International Personal Finance plc

BATS-CHIXE:IPFL Stock Report

Market Cap: UK£282.1m

International Personal Finance Valuation

Is IPFL 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 IPFL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: IPFL (£1.25) is trading below our estimate of fair value (£2.97)

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


Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

IPFL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1x
Enterprise Value/EBITDA4.6x
PEG Ratio0.5x

Price to Earnings Ratio vs Peers

How does IPFL's PE Ratio compare to its peers?

The above table shows the PE ratio for IPFL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.9x
SUS S&U
9x11.8%UK£229.6m
HAT H&T Group
7.8x10.0%UK£163.5m
ASAI ASA International Group
10.6x36.6%UK£77.3m
RFX Ramsdens Holdings
8.1xn/aUK£63.0m
IPFL International Personal Finance
5.9x13.1%UK£282.1m

Price-To-Earnings vs Peers: IPFL is good value based on its Price-To-Earnings Ratio (5.9x) compared to the peer average (8.9x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a36.0%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a36.0%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: IPFL is good value based on its Price-To-Earnings Ratio (5.9x) compared to the European Consumer Finance industry average (8.1x).


Price to Earnings Ratio vs Fair Ratio

What is IPFL'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.

IPFL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.9x
Fair PE Ratio15.5x

Price-To-Earnings vs Fair Ratio: IPFL is good value based on its Price-To-Earnings Ratio (5.9x) compared to the estimated Fair Price-To-Earnings Ratio (15.5x).


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 IPFL forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£1.25
UK£1.77
+41.3%
13.3%UK£2.10UK£1.60n/a3
Jun ’25UK£1.20
UK£1.77
+47.8%
13.3%UK£2.10UK£1.60n/a3
May ’25UK£1.04
UK£1.77
+69.9%
13.3%UK£2.10UK£1.60n/a3
Apr ’25UK£1.10
UK£1.77
+61.3%
13.3%UK£2.10UK£1.60n/a3
Mar ’25UK£1.14
UK£2.13
+86.4%
1.2%UK£2.15UK£2.10n/a2
Feb ’25UK£1.20
UK£1.93
+60.4%
11.7%UK£2.15UK£1.70n/a2
Jan ’25UK£1.20
UK£1.98
+65.3%
10.2%UK£2.15UK£1.70n/a3
Dec ’24UK£1.15
UK£2.11
+84.3%
13.3%UK£2.49UK£1.70n/a4
Nov ’24UK£1.29
UK£2.11
+63.6%
13.3%UK£2.49UK£1.70n/a4
Oct ’24UK£1.27
UK£2.06
+62.2%
13.7%UK£2.49UK£1.70n/a4
Sep ’24UK£1.21
UK£2.01
+65.7%
10.1%UK£2.27UK£1.70n/a4
Aug ’24UK£1.20
UK£1.98
+65.0%
10.2%UK£2.27UK£1.70n/a4
Jul ’24UK£1.14
UK£1.98
+74.4%
10.2%UK£2.27UK£1.70n/a4
Jun ’24UK£1.11
UK£1.98
+78.4%
10.2%UK£2.27UK£1.70UK£1.204
May ’24UK£0.98
UK£1.93
+96.6%
10.2%UK£2.18UK£1.70UK£1.043
Apr ’24UK£1.00
UK£1.92
+91.6%
10.9%UK£2.18UK£1.67UK£1.103
Mar ’24UK£1.10
UK£1.64
+48.9%
23.9%UK£2.18UK£1.25UK£1.143
Feb ’24UK£0.91
UK£1.61
+76.4%
15.7%UK£1.91UK£1.25UK£1.204
Jan ’24UK£0.70
UK£1.61
+127.7%
15.7%UK£1.91UK£1.25UK£1.204
Dec ’23UK£0.78
UK£1.61
+106.3%
15.7%UK£1.91UK£1.25UK£1.154
Nov ’23UK£0.78
UK£1.61
+106.6%
15.7%UK£1.91UK£1.25UK£1.294
Oct ’23UK£0.83
UK£2.06
+146.6%
32.9%UK£2.97UK£1.35UK£1.273
Sep ’23UK£0.95
UK£2.02
+111.5%
29.2%UK£2.97UK£1.35UK£1.214
Aug ’23UK£0.99
UK£2.03
+105.3%
28.3%UK£2.97UK£1.40UK£1.204
Jul ’23UK£0.75
UK£1.99
+165.0%
25.7%UK£2.81UK£1.40UK£1.144
Jun ’23UK£0.83
UK£1.99
+139.8%
25.5%UK£2.80UK£1.40UK£1.114

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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