International Personal Finance plc

LSE:IPF Stock Report

Market Cap: UK£249.7m

International Personal Finance Past Earnings Performance

Past criteria checks 1/6

International Personal Finance's earnings have been declining at an average annual rate of -1.3%, while the Consumer Finance industry saw earnings growing at 5% annually. Revenues have been declining at an average rate of 6.7% per year. International Personal Finance's return on equity is 9.6%, and it has net margins of 6.3%.

Key information

-1.3%

Earnings growth rate

-1.2%

EPS growth rate

Consumer Finance Industry Growth4.2%
Revenue growth rate-6.7%
Return on equity9.6%
Net Margin6.3%
Next Earnings Update31 Jul 2024

Recent past performance updates

Recent updates

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

Revenue & Expenses Breakdown
Beta

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


Earnings and Revenue History

LSE:IPF Revenue, expenses and earnings (GBP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
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
30 Sep 13721962600
30 Jun 13696952520
31 Mar 13674852450

Quality Earnings: IPF has high quality earnings.

Growing Profit Margin: IPF's current net profit margins (6.3%) are lower than last year (8.8%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: IPF's earnings have declined by 1.3% per year over the past 5 years.

Accelerating Growth: IPF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: IPF had negative earnings growth (-15.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (-15.5%).


Return on Equity

High ROE: IPF's Return on Equity (9.6%) is considered low.


Return on Assets


Return on Capital Employed


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