IPFPF (International Personal Finance) 1-Year Sharpe Ratio: 0.95 (As of Jul. 06, 2026)


IPFPF International Personal Finance PLC IPFPF
56 GF Score
Price $2.83
GF Value $1.78
! 8 Warning Signs
View Full Analysis

What is International Personal Finance 1-Year Sharpe Ratio?

International Personal Finance IPFPF 56 1-Year Sharpe Ratio is 0.95 as of Jul. 06, 2026. GuruFocus rates IPFPF with a GF Score™ of 56/100 and a GF Value™ of $1.78. The stock has 8 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-06), International Personal Finance's 1-Year Sharpe Ratio is 0.95.

International Personal Finance  (OTCPK:IPFPF) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

International Personal Finance 1-Year Sharpe Ratio Related Terms

IPFPF vs V, MA, AXP: 1-Year Sharpe Ratio Comparison

For the Credit Services subindustry, International Personal Finance's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, International Personal Finance's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where International Personal Finance's 1-Year Sharpe Ratio falls into.


IPFPF
56GF Score
International Personal Finance PLC IPFPF
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

International Personal Finance 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 0.95 mean?
International Personal Finance (IPFPF) has a 1-Year Sharpe Ratio of 0.95 as of Jul. 06, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for International Personal Finance and its competitors.
Is International Personal Finance's 1-Year Sharpe Ratio too high?
International Personal Finance's current 1-Year Sharpe Ratio is 0.95. 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 1-Year Sharpe Ratio compare to V and MA?
International Personal Finance's 1-Year Sharpe Ratio of 0.95 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 1-Year Sharpe Ratio for a Credit Services company?
A good 1-Year Sharpe Ratio depends on the Credit Services industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for International Personal Finance and its competitors. International Personal Finance's current 1-Year Sharpe Ratio is 0.95. 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 1-Year Sharpe Ratio of 0.95. The stock's GF Value™ is $1.78, compared to a current price of $2.83 — trading 59% above its estimated fair value. The current 1-Year Sharpe Ratio is 0.95. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current 1-Year Sharpe Ratio is 0.95 as of Jul. 06, 2026. 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% above its estimated GF Value™ of $1.78.

Key valuation signals for IPFPF:

  • 1-Year Sharpe Ratio: 0.95
  • GF Value™: $1.78 vs. price of $2.83 (59% above fair value)
  • GF Score™: 56/100 with 8 warning signs

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

Other Exchanges IPFl:UKIPF:UK3I8:Germany
Address 26 Whitehall Road, Leeds, West Yorkshire, GBR, LS12 1BE
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

Get the complete analysis for IPFPF

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.83
Price
$1.78
GF Value