International Personal Finance plc

LSE:IPF Stock Report

Market Cap: UK£311.5m

International Personal Finance Valuation

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

Below Fair Value: IPF (£1.43) is trading below our estimate of fair value (£1.93)

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


Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

IPF 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 IPF's PE Ratio compare to its peers?

The above table shows the PE ratio for IPF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8x
SUS S&U
11.4x23.8%UK£214.5m
HAT H&T Group
7.1x7.3%UK£153.9m
ASAI ASA International Group
4.9x24.9%UK£72.0m
RFX Ramsdens Holdings
8.5xn/aUK£66.2m
IPF International Personal Finance
6.4x12.8%UK£311.5m

Price-To-Earnings vs Peers: IPF is good value based on its Price-To-Earnings Ratio (6.4x) compared to the peer average (9.2x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a47.4%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a47.4%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: IPF is good value based on its Price-To-Earnings Ratio (6.4x) compared to the European Consumer Finance industry average (8.5x).


Price to Earnings Ratio vs Fair Ratio

What is IPF'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.

IPF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.4x
Fair PE Ratio14.9x

Price-To-Earnings vs Fair Ratio: IPF is good value based on its Price-To-Earnings Ratio (6.4x) compared to the estimated Fair Price-To-Earnings Ratio (14.9x).


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 IPF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£1.43
UK£1.88
+31.7%
8.8%UK£2.10UK£1.70n/a3
Oct ’25UK£1.48
UK£1.88
+27.3%
8.8%UK£2.10UK£1.70n/a3
Sep ’25UK£1.58
UK£1.90
+20.3%
7.7%UK£2.10UK£1.75n/a3
Aug ’25UK£1.51
UK£1.85
+22.9%
11.0%UK£2.10UK£1.60n/a3
Jul ’25UK£1.29
UK£1.77
+37.5%
13.3%UK£2.10UK£1.60n/a3
Jun ’25UK£1.13
UK£1.77
+56.3%
13.3%UK£2.10UK£1.60n/a3
May ’25UK£1.06
UK£1.77
+67.5%
13.3%UK£2.10UK£1.60n/a3
Apr ’25UK£1.09
UK£1.77
+62.1%
13.3%UK£2.10UK£1.60n/a3
Mar ’25UK£1.10
UK£2.13
+93.2%
1.2%UK£2.15UK£2.10n/a2
Feb ’25UK£1.21
UK£1.93
+59.1%
11.7%UK£2.15UK£1.70n/a2
Jan ’25UK£1.19
UK£1.98
+66.7%
10.2%UK£2.15UK£1.70n/a3
Dec ’24UK£1.14
UK£2.11
+85.1%
13.3%UK£2.49UK£1.70n/a4
Nov ’24UK£1.27
UK£2.11
+66.1%
13.3%UK£2.49UK£1.70n/a4
Oct ’24UK£1.26
UK£2.06
+63.5%
13.7%UK£2.49UK£1.70UK£1.484
Sep ’24UK£1.21
UK£2.01
+66.4%
10.1%UK£2.27UK£1.70UK£1.584
Aug ’24UK£1.22
UK£1.98
+63.0%
10.2%UK£2.27UK£1.70UK£1.514
Jul ’24UK£1.13
UK£1.98
+76.0%
10.2%UK£2.27UK£1.70UK£1.294
Jun ’24UK£1.12
UK£1.98
+76.8%
10.2%UK£2.27UK£1.70UK£1.134
May ’24UK£0.98
UK£1.93
+96.6%
10.2%UK£2.18UK£1.70UK£1.063
Apr ’24UK£0.98
UK£1.92
+95.6%
10.9%UK£2.18UK£1.67UK£1.093
Mar ’24UK£1.11
UK£1.64
+47.8%
23.9%UK£2.18UK£1.25UK£1.103
Feb ’24UK£0.92
UK£1.61
+74.5%
15.7%UK£1.91UK£1.25UK£1.214
Jan ’24UK£0.73
UK£1.61
+119.6%
15.7%UK£1.91UK£1.25UK£1.194
Dec ’23UK£0.75
UK£1.61
+112.9%
15.7%UK£1.91UK£1.25UK£1.144
Nov ’23UK£0.77
UK£1.61
+109.0%
15.7%UK£1.91UK£1.25UK£1.274
Oct ’23UK£0.83
UK£2.06
+149.0%
32.9%UK£2.97UK£1.35UK£1.263

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


Discover undervalued companies