International Personal Finance (CHIX:IPFL) 3-Month Share Buyback Ratio: 0.00% (As of Dec. 2025 )

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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:IPFL International Personal Finance PLC CHIX:IPFL
57 GF Score
Price £2.49
GF Value £1.58
Valuation Significantly Overvalued
! 9 Warning Signs
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What is International Personal Finance 3-Month Share Buyback Ratio?

International Personal Finance CHIX:IPFL 57 3-Month Share Buyback Ratio is 0.00 as of Dec. 2025. GuruFocus rates CHIX:IPFL with a GF Score™ of 57/100 and a GF Value™ of £1.58 (Significantly Overvalued). The stock has 9 warning signs investors should review.

3-Month Share Buyback Ratio only apply to companies whose reporting frequency is 3 months.

CHIX:IPFL
57GF Score
International Personal Finance PLC CHIX:IPFL
3-Month Share Buyback Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a 3-Month Share Buyback Ratio of 0.00 mean?
International Personal Finance (CHIX:IPFL) has a 3-Month Share Buyback Ratio of 0.00 as of Dec. 2025. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for International Personal Finance and its competitors.
Is International Personal Finance's 3-Month Share Buyback Ratio too high?
International Personal Finance's current 3-Month Share Buyback Ratio is 0.00. Overall, International Personal Finance has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's 3-Month Share Buyback Ratio compare to V and MA?
International Personal Finance's 3-Month Share Buyback Ratio of 0.00 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 3-Month Share Buyback Ratio for a Credit Services company?
A good 3-Month Share Buyback Ratio depends on the Credit Services industry context. However, 3-Month Share Buyback 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 3-Month Share Buyback Ratio mean?
A high 3-Month Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for International Personal Finance and its competitors. International Personal Finance's current 3-Month Share Buyback Ratio is 0.00. 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?
Based on GuruFocus' analysis, International Personal Finance (CHIX:IPFL) is currently considered Significantly Overvalued. The stock's GF Value™ is £1.58, compared to a current price of £2.49 — trading 57.6% above its estimated fair value. The current 3-Month Share Buyback Ratio is 0.00. International Personal Finance's overall GF Score™ is 57/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Month Share Buyback Ratio calculated?
3-Month Share Buyback Ratio is calculated from a company's financial statements. For International Personal Finance (CHIX:IPFL), the current 3-Month Share Buyback Ratio is 0.00 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 (CHIX:IPFL) Overvalued in 2026?

Based on GuruFocus' analysis, International Personal Finance stock appears to be overvalued. The current stock price of £2.49 is trading 57.6% above its estimated GF Value™ of £1.58. GuruFocus considers International Personal Finance to be Significantly Overvalued.

Key valuation signals for CHIX:IPFL:

  • 3-Month Share Buyback Ratio: 0.00
  • GF Value™: £1.58 vs. price of £2.49 (57.6% above fair value)
  • GF Score™: 57/100 with 9 warning signs

No single metric tells the full story. See the CHIX:IPFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

International Personal Finance Business Description

Other Exchanges IPF: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.
57GF Score

Get the complete analysis for CHIX:IPFL

3-Month Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£2.49
Price
£1.58
GF Value