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International Personal FinanceIPFPF 55 Shiller PE Ratio is 10.11 as of Jul. 30, 2026, which is 82% above its 10-year median of 5.55. GuruFocus rates IPFPF with a GF Score™ of 55/100 and a GF Value™ of $1.92. The stock has 9 warning signs investors should review. Among 328 Credit Services companies, International Personal Finance ranks better than 60.98% on this metric.
The historical rank and industry rank for International Personal Finance's Shiller PE Ratio or its related term are showing as below:
IPFPF'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 1.16 Med: 5.55 Max: 12.5
Current: 11
During the past 13 years, International Personal Finance's highest Shiller PE Ratio was 12.50. The lowest was 1.16. And the median was 5.55.
IPFPF's Shiller PE Ratio is ranked better than 60.98% of 328
companies
in the Credit Services industry
Industry Median: 14.2
vs IPFPF: 11.00
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
International Personal Finance's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $0.316. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $0.28 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
International Personal Finance (OTCPK:IPFPF) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
International Personal Finance Shiller PE Ratio Related Terms
International Personal Finance Shiller PE Ratio 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 Shiller PE Ratio Chart
For the Credit Services subindustry, International Personal Finance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Shiller PE Ratio falls into.
International Personal Finance Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
International Personal Finance (IPFPF) has a Shiller PE Ratio of 10.11 as of Jul. 30, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on International Personal Finance and its competitors. This is 82% above median its historical median of 5.55. Over the past decade, International Personal Finance's Shiller PE Ratio has ranged from 1.16 to 12.50. According to the industry distribution chart, International Personal Finance ranks #128 out of 328 companies in the Credit Services industry, placing it in the top 39%.
Is International Personal Finance's Shiller PE Ratio too high?
International Personal Finance's current Shiller PE Ratio of 10.11 is 82% above median its 10-year median of 5.55. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 12.50. The Credit Services industry median Shiller PE Ratio is 14.20. International Personal Finance's value of 10.11 is 28.8% below this industry median. Based on the distribution chart, International Personal Finance ranks #128 out of 328 companies in the Credit Services industry, which is above the industry midpoint. Overall, International Personal Finance has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's Shiller PE Ratio compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #128 out of 328 companies for Shiller PE Ratio. This puts International Personal Finance in the upper half of its industry. The industry median Shiller PE Ratio is 14.20. International Personal Finance's value of 10.11 is 28.8% below this benchmark. Historically, International Personal Finance's own Shiller PE Ratio has ranged from 1.16 to 12.50 over the past decade. While the company's 10-year median is 5.55 vs. the industry median of 14.20, International Personal Finance has consistently been below 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.20, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Shiller PE Ratio of 10.11 is 28.8% below 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Shiller PE Ratio is 10.11, which is 82% above median its own 10-year median of 5.55. 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 Shiller PE Ratio of 10.11. The stock's GF Value™ is $1.92, compared to a current price of $2.83 — trading 47.4% above its estimated fair value. The current Shiller PE Ratio is 10.11, which is 82% above median its 10-year median of 5.55 and 28.8% below the Credit Services industry median of 14.20. International Personal Finance's overall GF Score™ is 55/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Shiller PE Ratio is 10.11 as of Jul. 30, 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 47.4% above its estimated GF Value™ of $1.92.
Key valuation signals for IPFPF:
Shiller PE Ratio: 10.11 (82% above median its 10-year median of 5.55)
GF Value™: $1.92 vs. price of $2.83 (47.4% above fair value)
Industry Position: 28.8% below the Credit Services median (#128 of 328)
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.
55GF Score
Get the complete analysis for IPFPF
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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