Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. International Personal Finance's selling, general, & admin. expense for the
six
months ended in Dec. 2025 was $215.7 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was $421.6 Mil.
International Personal Finance (OTCPK:IPFPF) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
International Personal Finance Selling, General, & Admin. Expense Related Terms
International Personal Finance Selling, General, & Admin. Expense 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.
International Personal Finance Selling, General, & Admin. Expense Chart
IPFPF vs V, MA, AXP: Selling, General, & Admin. Expense Comparison
For the Credit Services subindustry, International Personal Finance's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Selling, General, & Admin. Expense falls into.
International Personal Finance Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $421.6 Mil.
* 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.
What does a Selling, General, & Admin. Expense of $421.6 Mil mean?
International Personal Finance (IPFPF) has a Selling, General, & Admin. Expense of $421.6 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on International Personal Finance and its competitors.
Is International Personal Finance's Selling, General, & Admin. Expense too high?
International Personal Finance's current Selling, General, & Admin. Expense is $421.6 Mil. Overall, International Personal Finance has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's Selling, General, & Admin. Expense compare to V and MA?
International Personal Finance's Selling, General, & Admin. Expense of $421.6 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Credit Services company?
A good Selling, General, & Admin. Expense depends on the Credit Services industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on International Personal Finance and its competitors. International Personal Finance's current Selling, General, & Admin. Expense is $421.6 Mil. 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 Selling, General, & Admin. Expense of $421.6 Mil. The stock's GF Value™ is $1.77, compared to a current price of $2.83 — trading 59.9% above its estimated fair value. The current Selling, General, & Admin. Expense is $421.6 Mil. International Personal Finance's overall GF Score™ is 56/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Selling, General, & Admin. Expense is $421.6 Mil 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 59.9% above its estimated GF Value™ of $1.77.
Key valuation signals for IPFPF:
Selling, General, & Admin. Expense: $421.6 Mil
GF Value™: $1.77 vs. price of $2.83 (59.9% above fair value)
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.
56GF Score
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Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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