The historical rank and industry rank for International Personal Finance's ROE % or its related term are showing as below:
IPFPF'
s ROE % Range Over the Past 10 Years
Min: -15.91 Med: 11.97 Max: 17.68
Current: 10.74
During the past 13 years, International Personal Finance's highest ROE % was 17.68%. The lowest was -15.91%. And the median was 11.97%.
IPFPF's ROE % is ranked better than 65.78% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs IPFPF: 10.74
International Personal Finance (OTCPK:IPFPF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
International Personal Finance ROE % Related Terms
International Personal Finance ROE % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, International Personal Finance's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
International Personal Finance ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's ROE % distribution charts can be found below:
* The bar in red indicates where International Personal Finance's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
International Personal Finance (IPFPF) has a ROE % of 8.80% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on International Personal Finance and its competitors. This is 26% below median its historical median of 11.97. According to the industry distribution chart, International Personal Finance ranks #181 out of 529 companies in the Credit Services industry, placing it in the top 34.2%.
Is International Personal Finance's ROE % too high?
International Personal Finance's current ROE % of 8.80% is 26% below median its 10-year median of 11.97. The Credit Services industry median ROE % is 6.61. International Personal Finance's value of 8.80% is 33.1% above this industry median. Based on the distribution chart, International Personal Finance ranks #181 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, International Personal Finance has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #181 out of 529 companies for ROE %. This puts International Personal Finance in the upper half of its industry. The industry median ROE % is 6.61. International Personal Finance's value of 8.80% is 33.1% above this benchmark. While the company's 10-year median is 11.97 vs. the industry median of 6.61, International Personal Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current ROE % of 8.80% is 33.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current ROE % is 8.80%, which is 26% below median its own 10-year median of 11.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International Personal Finance stock overvalued right now?
International Personal Finance (IPFPF) has a current ROE % of 8.80%. The stock's GF Value™ is $1.75, compared to a current price of $2.83 — trading 61.7% above its estimated fair value. The current ROE % is 8.80%, which is 26% below median its 10-year median of 11.97 and 33.1% above the Credit Services industry median of 6.61. International Personal Finance's overall GF Score™ is 51/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current ROE % is 8.80% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is International Personal Finance (IPFPF) Overvalued in 2026?
Based on GuruFocus' analysis, International Personal Finance stock appears to be overvalued.
The current stock price of $2.83 is trading 61.7% above its estimated GF Value™ of $1.75.
Key valuation signals for IPFPF:
ROE %: 8.80% (26% below median its 10-year median of 11.97)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 33.1% above the Credit Services median (#181 of 529)
No single metric tells the full story. See the IPFPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
International Personal Finance Business Description
International Personal Finance PLC provides consumer loans. The company's segment is based on geographical regions: European home credit, Mexico home credit, and Digital. It generates maximum revenue from the European home credit segment. The company home credit business operates as the Provident brand and makes small, unsecured loans to customers with low or unstable incomes and little to no credit history. Its digital business provides loans and revolving credit lines that customers access online.
51GF Score
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