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 ratio | 2.3x |
| Cash | UK£86.50m |
| Equity | UK£480.40m |
| Total liabilities | UK£716.40m |
| Total assets | UK£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).