International Personal Finance plc

LSE:IPF Stock Report

Market Cap: UK£311.5m

International Personal Finance Balance Sheet Health

Financial Health criteria checks 3/6

International Personal Finance has a total shareholder equity of £480.4M and total debt of £544.5M, which brings its debt-to-equity ratio to 113.3%. Its total assets and total liabilities are £1.2B and £716.4M respectively. International Personal Finance's EBIT is £167.1M making its interest coverage ratio 2.3. It has cash and short-term investments of £86.5M.

Key information

113.3%

Debt to equity ratio

UK£544.50m

Debt

Interest coverage ratio2.3x
CashUK£86.50m
EquityUK£480.40m
Total liabilitiesUK£716.40m
Total assetsUK£1.20b

Recent financial health updates

Recent updates

International Personal Finance's (LON:IPF) Dividend Will Be £0.034

Aug 10
International Personal Finance's (LON:IPF) Dividend Will Be £0.034

Here's Why Shareholders May Want To Be Cautious With Increasing International Personal Finance plc's (LON:IPF) CEO Pay Packet

Apr 25
Here's Why Shareholders May Want To Be Cautious With Increasing International Personal Finance plc's (LON:IPF) CEO Pay Packet

International Personal Finance's (LON:IPF) Shareholders Will Receive A Bigger Dividend Than Last Year

Aug 20
International Personal Finance's (LON:IPF) Shareholders Will Receive A Bigger Dividend Than Last Year

Earnings Update: Here's Why Analysts Just Lifted Their International Personal Finance plc (LON:IPF) Price Target To UK£1.39

Mar 06
Earnings Update: Here's Why Analysts Just Lifted Their International Personal Finance plc (LON:IPF) Price Target To UK£1.39

International Personal Finance (LON:IPF) Share Prices Have Dropped 70% In The Last Five Years

Dec 14
International Personal Finance (LON:IPF) Share Prices Have Dropped 70% In The Last Five Years

Financial Position Analysis

Short Term Liabilities: IPF's short term assets (£736.6M) exceed its short term liabilities (£205.8M).

Long Term Liabilities: IPF's short term assets (£736.6M) exceed its long term liabilities (£510.6M).


Debt to Equity History and Analysis

Debt Level: IPF's net debt to equity ratio (95.3%) is considered high.

Reducing Debt: IPF's debt to equity ratio has reduced from 157.7% to 113.3% over the past 5 years.

Debt Coverage: IPF's debt is not well covered by operating cash flow (13.6%).

Interest Coverage: IPF's interest payments on its debt are not well covered by EBIT (2.3x coverage).


Balance Sheet


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