International Personal Finance plc

DB:3I8 Stock Report

Market Cap: €343.0m

International Personal Finance Management

Management criteria checks 2/4

International Personal Finance's CEO is Gerard Ryan, appointed in Apr 2012, has a tenure of 12.67 years. total yearly compensation is £2.42M, comprised of 24% salary and 76% bonuses, including company stock and options. directly owns 0.67% of the company’s shares, worth €2.31M. The average tenure of the management team and the board of directors is 2.7 years and 4.8 years respectively.

Key information

Gerard Ryan

Chief executive officer

UK£2.4m

Total compensation

CEO salary percentage24.0%
CEO tenure12.7yrs
CEO ownership0.7%
Management average tenure2.7yrs
Board average tenure4.8yrs

Recent management updates

Recent updates

CEO Compensation Analysis

How has Gerard Ryan's remuneration changed compared to International Personal Finance's earnings?
DateTotal CompensationSalaryCompany Earnings
Jun 30 2024n/an/a

UK£49m

Mar 31 2024n/an/a

UK£49m

Dec 31 2023UK£2mUK£581k

UK£48m

Sep 30 2023n/an/a

UK£46m

Jun 30 2023n/an/a

UK£45m

Mar 31 2023n/an/a

UK£51m

Dec 31 2022UK£1mUK£560k

UK£57m

Sep 30 2022n/an/a

UK£54m

Jun 30 2022n/an/a

UK£50m

Mar 31 2022n/an/a

UK£45m

Dec 31 2021UK£1mUK£533k

UK£42m

Sep 30 2021n/an/a

UK£34m

Jun 30 2021n/an/a

UK£20m

Mar 31 2021n/an/a

-UK£57m

Dec 31 2020UK£677kUK£533k

-UK£64m

Sep 30 2020n/an/a

-UK£47m

Jun 30 2020n/an/a

-UK£23m

Mar 31 2020n/an/a

UK£60m

Dec 31 2019UK£1mUK£530k

UK£72m

Sep 30 2019n/an/a

UK£72m

Jun 30 2019n/an/a

UK£71m

Mar 31 2019n/an/a

UK£73m

Dec 31 2018UK£1mUK£516k

UK£75m

Sep 30 2018n/an/a

UK£64m

Jun 30 2018n/an/a

UK£52m

Mar 31 2018n/an/a

UK£49m

Dec 31 2017UK£1mUK£505k

UK£45m

Compensation vs Market: Gerard's total compensation ($USD3.03M) is above average for companies of similar size in the German market ($USD1.01M).

Compensation vs Earnings: Gerard's compensation has increased by more than 20% in the past year.

CEO

Gerard Ryan (60 yo)

12.7yrs

Tenure

UK£2,417,000

Compensation

Mr. Gerard Jude Ryan has been the Chief Executive Officer of International Personal Finance Plc since April 1, 2012 and its Executive Director since January 17, 2012. Mr. Ryan joined International Personal...

Leadership Team

NamePositionTenureCompensationOwnership
Gerard Ryan
CEO & Executive Director12.7yrsUK£2.42m0.67%
€ 2.3m
Gary Thompson
CFO & Executive Director2.7yrsUK£835.00k0.076%
€ 261.7k
Rachel Moran
Investor Relations Managerno datano datano data
Thomas Crane
Company Secretary & Chief Legal Officer2.3yrsno datano data
Gergely Mikola
Group Corporate Affairs Directorno datano datano data
Lyndsey Hamilton-Scott
Chief Human Resources Officerno datano datano data
Botond Szirmak
Head of European Home Creditno datano datano data
Wojciech Nesterenki
Head of People Communication & Cultureno datano datano data
Krzysztof Adamski
Group Treasurerno datano datano data

2.7yrs

Average Tenure

52yo

Average Age

Experienced Management: 3I8's management team is considered experienced (2.7 years average tenure).

Board Members

NamePositionTenureCompensationOwnership
Gerard Ryan
CEO & Executive Director12.9yrsUK£2.42m0.67%
€ 2.3m
Gary Thompson
CFO & Executive Director2.7yrsUK£835.00k0.076%
€ 261.7k
Stuart Sinclair
Independent Chairman4.8yrsUK£200.00k0.060%
€ 205.4k
William Holmes
Independent Non-Executive Director4.8yrsUK£88.00k0.13%
€ 434.6k
Deborah Davis
Independent Non-Executive Director6.2yrsUK£65.00k0.028%
€ 94.8k
Katrina Cliffe
Senior Independent Non-Executive Director2.3yrsUK£57.00k0.018%
€ 63.2k
Aileen Wallace
Independent Non-Executive Director2yrsUK£57.00k0.022%
€ 75.6k

4.8yrs

Average Tenure

60yo

Average Age

Experienced Board: 3I8's board of directors are considered experienced (4.8 years average tenure).

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 17:07
End of Day Share Price 2024/12/23 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

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.

AnalystInstitution
Graham WebsterArden Partners Plc.
Prasaanna JeyanandhanBerenberg
Martin PriceBofA Global Research