International Personal Finance plc

DB:3I8 Stock Report

Market Cap: €343.0m

International Personal Finance Past Earnings Performance

Past criteria checks 4/6

International Personal Finance has been growing earnings at an average annual rate of 11%, while the Consumer Finance industry saw earnings growing at 20.9% annually. Revenues have been declining at an average rate of 3.6% per year. International Personal Finance's return on equity is 10.2%, and it has net margins of 6.5%.

Key information

11.0%

Earnings growth rate

11.0%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate-3.6%
Return on equity10.2%
Net Margin6.5%
Next Earnings Update26 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How International Personal Finance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:3I8 Revenue, expenses and earnings (GBP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 24760493130
31 Mar 24764493110
31 Dec 23768483090
30 Sep 23748463010
30 Jun 23728452920
31 Mar 23687512820
31 Dec 22646572720
30 Sep 22621542700
30 Jun 22583502630
31 Mar 22567452620
31 Dec 21549422590
30 Sep 21553342610
30 Jun 21562202630
31 Mar 21596-572620
31 Dec 20661-642790
30 Sep 20729-472920
30 Jun 20804-233100
31 Mar 20862603280
31 Dec 19889723310
30 Sep 19892723320
30 Jun 19894713320
31 Mar 19880733320
31 Dec 18866753310
30 Sep 18855643350
30 Jun 18844523390
31 Mar 18835493340
31 Dec 17826453290
30 Sep 17816583220
30 Jun 17796773070
31 Mar 17776743030
31 Dec 16757713000
30 Sep 16742652920
30 Jun 16724602810
31 Mar 16730612770
31 Dec 15735632720
30 Sep 15749732740
30 Jun 15762832770
31 Mar 15773772750
31 Dec 14783722740
30 Sep 14782722740
30 Jun 14781722740
31 Mar 14764842710
31 Dec 13747962690

Quality Earnings: 3I8 has high quality earnings.

Growing Profit Margin: 3I8's current net profit margins (6.5%) are higher than last year (6.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 3I8's earnings have grown by 11% per year over the past 5 years.

Accelerating Growth: 3I8's earnings growth over the past year (9.6%) is below its 5-year average (11% per year).

Earnings vs Industry: 3I8 earnings growth over the past year (9.6%) exceeded the Consumer Finance industry 3.2%.

Return on Equity

High ROE: 3I8's Return on Equity (10.2%) is considered low.

Return on Assets

Return on Capital Employed

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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