International Personal Finance plc

DB:3I8 Stock Report

Market Cap: €344.4m

International Personal Finance Valuation

Is 3I8 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 3I8 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 3I8 (€1.58) is trading below our estimate of fair value (€2.43)

Significantly Below Fair Value: 3I8 is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for 3I8?

Key metric: As 3I8 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 3I8. This is calculated by dividing 3I8's market cap by their current earnings.
What is 3I8's PE Ratio?
PE Ratio5.8x
EarningsUK£49.00m
Market CapUK£285.56m

Price to Earnings Ratio vs Peers

How does 3I8's PE Ratio compare to its peers?

The above table shows the PE ratio for 3I8 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average23.5x
OT8 Eleving Group
9.5x29.7%€194.4m
E4I Multitude
10.7x19.8%€117.6m
JDC JDC Group
58.3x24.8%€325.9m
O4B OVB Holding
15.6x3.5%€287.9m
3I8 International Personal Finance
5.8x10.3%€285.6m

Price-To-Earnings vs Peers: 3I8 is good value based on its Price-To-Earnings Ratio (5.8x) compared to the peer average (23.5x).


Price to Earnings Ratio vs Industry

How does 3I8's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
3I8 5.8xIndustry Avg. 9.3xNo. of Companies5PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 3I8 is good value based on its Price-To-Earnings Ratio (5.8x) compared to the European Consumer Finance industry average (9.3x).


Price to Earnings Ratio vs Fair Ratio

What is 3I8's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

3I8 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.8x
Fair PE Ratio12.3x

Price-To-Earnings vs Fair Ratio: 3I8 is good value based on its Price-To-Earnings Ratio (5.8x) compared to the estimated Fair Price-To-Earnings Ratio (12.3x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 3I8 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€1.58
€2.22
+40.7%
9.9%€2.50€1.97n/a3
Dec ’25€1.57
€2.22
+41.6%
9.9%€2.50€1.97n/a3
Nov ’25€1.56
€2.26
+44.7%
8.8%€2.52€2.04n/a3
Oct ’25€1.77
€2.25
+27.3%
8.8%€2.51€2.03n/a3
Sep ’25€1.89
€2.22
+17.4%
7.7%€2.45€2.04n/a3
Aug ’25€1.80
€2.20
+22.0%
11.0%€2.49€1.90n/a3
Jul ’25€1.46
€2.08
+42.5%
13.3%€2.47€1.88n/a3
Jun ’25€1.36
€2.06
+51.8%
13.3%€2.45€1.87n/a3
May ’25€1.20
€2.06
+71.6%
13.3%€2.45€1.86n/a3
Apr ’25€1.28
€2.06
+60.9%
13.3%€2.45€1.86n/a3
Mar ’25€1.29
€2.48
+92.6%
1.2%€2.51€2.46n/a2
Feb ’25€1.39
€2.26
+62.5%
11.7%€2.52€2.00n/a2
Jan ’25€1.37
€2.31
+68.9%
10.2%€2.51€1.98n/a3
Dec ’24€1.30
€2.42
+86.4%
13.3%€2.86€1.95€1.574
Nov ’24€1.43
€2.42
+69.4%
13.3%€2.86€1.95€1.564
Oct ’24€1.45
€2.40
+65.4%
13.7%€2.90€1.98€1.774
Sep ’24€1.38
€2.32
+68.2%
10.1%€2.63€1.97€1.894
Aug ’24€1.31
€2.28
+74.1%
10.2%€2.62€1.96€1.804
Jul ’24€1.28
€2.28
+78.2%
10.2%€2.62€1.96€1.464
Jun ’24€1.24
€2.28
+84.0%
10.2%€2.62€1.96€1.364
May ’24€1.07
€2.18
+104.0%
10.2%€2.47€1.93€1.203
Apr ’24€1.11
€2.18
+96.4%
10.9%€2.48€1.90€1.283
Mar ’24€1.06
€1.85
+75.6%
23.9%€2.46€1.41€1.293
Feb ’24€0.91
€1.83
+102.4%
15.7%€2.18€1.43€1.394
Jan ’24€0.78
€1.83
+134.5%
15.7%€2.18€1.43€1.374
Dec ’23€0.88
€1.83
+109.3%
15.7%€2.18€1.43€1.304

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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