IPFPF (International Personal Finance) Scaled Net Operating Assets: 0.93 (As of Dec. 2025)


IPFPF International Personal Finance PLC IPFPF
51 GF Score
Price $2.83
GF Value $1.75
! 8 Warning Signs
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What is International Personal Finance Scaled Net Operating Assets?

International Personal Finance IPFPF 51 Scaled Net Operating Assets is 0.93 as of Dec. 2025. GuruFocus rates IPFPF with a GF Score™ of 51/100 and a GF Value™ of $1.75. The stock has 8 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

International Personal Finance's operating assets for the quarter that ended in Dec. 2025 was $1,749.5 Mil. International Personal Finance's operating liabilities for the quarter that ended in Dec. 2025 was $202.1 Mil. International Personal Finance's Total Assets for the quarter that ended in Jun. 2025 was $1,663.2 Mil. Therefore, International Personal Finance's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.93.

IPFPF
51GF Score
International Personal Finance PLC IPFPF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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International Personal Finance Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

International Personal Finance's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1749.532-202.142)/1443.363
=1.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1790.228 - 40.696
=1749.532

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1059.304 - 857.162 - 0
=202.142

International Personal Finance's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(1749.532-202.142)/1663.229
=0.93

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1790.228 - 40.696
=1749.532

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1059.304 - 857.162 - 0
=202.142

* 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 Scaled Net Operating Assets of 0.93 mean?
International Personal Finance (IPFPF) has a Scaled Net Operating Assets of 0.93 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on International Personal Finance and its competitors.
Is International Personal Finance's Scaled Net Operating Assets too high?
International Personal Finance's current Scaled Net Operating Assets is 0.93. 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 Scaled Net Operating Assets compare to V and MA?
International Personal Finance's Scaled Net Operating Assets of 0.93 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on International Personal Finance and its competitors. International Personal Finance's current Scaled Net Operating Assets is 0.93. 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 Scaled Net Operating Assets of 0.93. 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 Scaled Net Operating Assets is 0.93. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Scaled Net Operating Assets is 0.93 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:

  • Scaled Net Operating Assets: 0.93
  • GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
  • GF Score™: 51/100 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.
51GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.83
Price
$1.75
GF Value