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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. International Personal Finance's current 5-Year Share Buyback Ratio was 1.10%.
IPFPF's 5-Year Share Buyback Ratio is ranked better than 86.05% of 301
companies
in the Credit Services industry
Industry Median: -3.5
vs IPFPF: 1.10
International Personal Finance (OTCPK:IPFPF) 5-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
International Personal Finance 5-Year Share Buyback Ratio Related Terms
IPFPF vs V, MA, AXP: 5-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, International Personal Finance's 5-Year Share Buyback Ratio, along with its competitors' market caps and 5-Year Share Buyback 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 5-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's 5-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where International Personal Finance's 5-Year Share Buyback Ratio falls into.
International Personal Finance 5-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from five years ago to the current year. The annualized percentage change is calculated with least-square regression based on the latest six years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 5-Year Share Buyback Ratio of 1.10 mean?
International Personal Finance (IPFPF) has a 5-Year Share Buyback Ratio of 1.10 as of Dec. 2025. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for International Personal Finance and its competitors. According to the industry distribution chart, International Personal Finance ranks #42 out of 301 companies in the Credit Services industry, placing it in the top 14%.
Is International Personal Finance's 5-Year Share Buyback Ratio too high?
International Personal Finance's current 5-Year Share Buyback Ratio is 1.10. Based on the distribution chart, International Personal Finance ranks #42 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 5-Year Share Buyback Ratio compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #42 out of 301 companies for 5-Year Share Buyback Ratio. This places International Personal Finance in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Share Buyback Ratio for a Credit Services company?
A good 5-Year Share Buyback Ratio depends on the Credit Services industry context. However, 5-Year 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 5-Year Share Buyback Ratio mean?
A high 5-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for International Personal Finance and its competitors. International Personal Finance's current 5-Year Share Buyback Ratio is 1.10. 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 5-Year Share Buyback Ratio of 1.10. 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 5-Year Share Buyback Ratio is 1.10. 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 5-Year Share Buyback Ratio calculated?
5-Year Share Buyback Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current 5-Year Share Buyback Ratio is 1.10 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% above its estimated GF Value™ of $1.78.
Key valuation signals for IPFPF:
5-Year Share Buyback Ratio: 1.10
GF Value™: $1.78 vs. price of $2.83 (59% 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.
55GF Score
Get the complete analysis for IPFPF
5-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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