IPF Stock Overview
Provides consumer credit in Europe and Mexico. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 2/6 |
| Past Performance | 3/6 |
| Financial Health | 3/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
My Notes
Capture your thoughts, links and company narrative
International Personal Finance plc Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£1.26 |
| 52 Week High | UK£1.66 |
| 52 Week Low | UK£0.99 |
| Beta | 1.3 |
| 1 Month Change | -4.55% |
| 3 Month Change | -17.11% |
| 1 Year Change | 4.13% |
| 3 Year Change | -3.67% |
| 5 Year Change | -25.00% |
| Change since IPO | -52.45% |
Recent News & Updates
Recent updates
International Personal Finance's (LON:IPF) Dividend Will Be £0.034
Aug 10
Here's Why Shareholders May Want To Be Cautious With Increasing International Personal Finance plc's (LON:IPF) CEO Pay Packet
Apr 25International Personal Finance's (LON:IPF) Shareholders Will Receive A Bigger Dividend Than Last Year
Aug 20Earnings Update: Here's Why Analysts Just Lifted Their International Personal Finance plc (LON:IPF) Price Target To UK£1.39
Mar 06International Personal Finance (LON:IPF) Share Prices Have Dropped 70% In The Last Five Years
Dec 14
Shareholder Returns
| IPF | GB Consumer Finance | GB Market | |
|---|---|---|---|
| 7D | -3.1% | 0.1% | -1.5% |
| 1Y | 4.1% | 1.1% | 3.5% |
Return vs Industry: IPF exceeded the UK Consumer Finance industry which returned 1.1% over the past year.
Return vs Market: IPF matched the UK Market which returned 3.5% over the past year.
Price Volatility
| IPF volatility | |
|---|---|
| IPF Average Weekly Movement | 2.8% |
| Consumer Finance Industry Average Movement | 5.5% |
| Market Average Movement | 4.9% |
| 10% most volatile stocks in GB Market | 10.6% |
| 10% least volatile stocks in GB Market | 2.6% |
Stable Share Price: IPF has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: IPF's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1997 | 8,279 | Gerard Ryan | www.ipfin.co.uk |
International Personal Finance plc, together with its subsidiaries, provides consumer credit in Europe and Mexico. The company offers credit products, such as online payment transaction; revolving credit line; digital installment loans; credit card; hybrid loans; and home credit installment loans. It also offers medical and life insurances.
International Personal Finance plc Fundamentals Summary
| IPF fundamental statistics | |
|---|---|
| Market cap | UK£277.96m |
| Earnings (TTM) | UK£49.00m |
| Revenue (TTM) | UK£759.50m |
5.6x
P/E Ratio0.4x
P/S RatioIs IPF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| IPF income statement (TTM) | |
|---|---|
| Revenue | UK£759.50m |
| Cost of Revenue | UK£144.50m |
| Gross Profit | UK£615.00m |
| Other Expenses | UK£566.00m |
| Earnings | UK£49.00m |
Last Reported Earnings
Jun 30, 2024
Next Earnings Date
Feb 26, 2025
| Earnings per share (EPS) | 0.23 |
| Gross Margin | 80.97% |
| Net Profit Margin | 6.45% |
| Debt/Equity Ratio | 113.3% |
How did IPF perform over the long term?
See historical performance and comparisonDividends
8.4%
Current Dividend Yield49%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/19 19:03 |
| End of Day Share Price | 2024/12/19 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
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.
| Analyst | Institution |
|---|---|
| Graham Webster | Arden Partners Plc. |
| Prasaanna Jeyanandhan | Berenberg |
| Martin Price | BofA Global Research |