International Personal Finance plc

DB:3I8 Stock Report

Market Cap: €344.4m

International Personal Finance Balance Sheet Health

Financial Health criteria checks 3/6

International Personal Finance has a total shareholder equity of £480.4M and total debt of £544.5M, which brings its debt-to-equity ratio to 113.3%. Its total assets and total liabilities are £1.2B and £716.4M respectively. International Personal Finance's EBIT is £167.1M making its interest coverage ratio 2.3. It has cash and short-term investments of £86.5M.

Key information

113.3%

Debt to equity ratio

UK£544.50m

Debt

Interest coverage ratio2.3x
CashUK£86.50m
EquityUK£480.40m
Total liabilitiesUK£716.40m
Total assetsUK£1.20b

Recent financial health updates

Recent updates

Financial Position Analysis

Short Term Liabilities: 3I8's short term assets (£736.6M) exceed its short term liabilities (£205.8M).

Long Term Liabilities: 3I8's short term assets (£736.6M) exceed its long term liabilities (£510.6M).


Debt to Equity History and Analysis

Debt Level: 3I8's net debt to equity ratio (95.3%) is considered high.

Reducing Debt: 3I8's debt to equity ratio has reduced from 157.7% to 113.3% over the past 5 years.

Debt Coverage: 3I8's debt is not well covered by operating cash flow (13.6%).

Interest Coverage: 3I8's interest payments on its debt are not well covered by EBIT (2.3x coverage).


Balance Sheet


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