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).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/26 17:07 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
International Personal Finance plc is covered by 22 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Graham Webster | Arden Partners Plc. |
| Prasaanna Jeyanandhan | Berenberg |
| Martin Price | BofA Global Research |