International Personal Finance plc, together with its subsidiaries, provides consumer credit in Europe and Mexico. More Details
Adequate balance sheet with reasonable growth potential.
Share Price & News
How has International Personal Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: IPF is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: IPF's weekly volatility (7%) has been stable over the past year.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: IPF exceeded the UK Consumer Finance industry which returned 49.8% over the past year.
Return vs Market: IPF exceeded the UK Market which returned 26.3% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is International Personal Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall StEarnings Update: Here's Why Analysts Just Lifted Their International Personal Finance plc (LON:IPF) Price Target To UK£1.39
4 months ago | Simply Wall StInternational Personal Finance (LON:IPF) Share Prices Have Dropped 70% In The Last Five Years
6 months ago | Simply Wall StDo Institutions Own International Personal Finance plc (LON:IPF) Shares?
Is International Personal Finance undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: IPF (£1.32) is trading below our estimate of fair value (£2.03)
Significantly Below Fair Value: IPF is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: IPF is unprofitable, so we can't compare its PE Ratio to the GB Consumer Finance industry average.
PE vs Market: IPF is unprofitable, so we can't compare its PE Ratio to the UK market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate IPF's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: IPF is good value based on its PB Ratio (0.8x) compared to the GB Consumer Finance industry average (1.3x).
How is International Personal Finance forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: IPF is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.9%).
Earnings vs Market: IPF is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: IPF's is expected to become profitable in the next 3 years.
Revenue vs Market: IPF's revenue (5.7% per year) is forecast to grow faster than the UK market (5.3% per year).
High Growth Revenue: IPF's revenue (5.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: IPF's Return on Equity is forecast to be low in 3 years time (15.7%).
How has International Personal Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: IPF is currently unprofitable.
Growing Profit Margin: IPF is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: IPF is unprofitable, and losses have increased over the past 5 years at a rate of 26.6% per year.
Accelerating Growth: Unable to compare IPF's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: IPF is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-46%).
Return on Equity
High ROE: IPF has a negative Return on Equity (-17.33%), as it is currently unprofitable.
How is International Personal Finance's financial position?
Financial Position Analysis
Short Term Liabilities: IPF's short term assets (£660.8M) exceed its short term liabilities (£136.0M).
Long Term Liabilities: IPF's short term assets (£660.8M) exceed its long term liabilities (£517.4M).
Debt to Equity History and Analysis
Debt Level: IPF's debt to equity ratio (132.8%) is considered high.
Reducing Debt: IPF's debt to equity ratio has reduced from 170.2% to 132.8% over the past 5 years.
Debt Coverage: IPF's debt is well covered by operating cash flow (57.6%).
Interest Coverage: IPF is unprofitable, therefore interest payments are not well covered by earnings.
What is International Personal Finance current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate IPF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate IPF's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if IPF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if IPF's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: IPF is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of IPF's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gerard Ryan (55 yo)
Mr. Gerard Jude Ryan has been the Chief Executive Officer of International Personal Finance Plc since April 1, 2012. Mr. Ryan served as the Chief Financial Officer of Garanti Bank, Turkey. He served as the...
CEO Compensation Analysis
Compensation vs Market: Gerard's total compensation ($USD957.15K) is above average for companies of similar size in the UK market ($USD718.45K).
Compensation vs Earnings: Gerard's compensation has been consistent with company performance over the past year.
Experienced Management: IPF's management team is seasoned and experienced (5.2 years average tenure).
Experienced Board: IPF's board of directors are not considered experienced ( 2.6 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
International Personal Finance plc's company bio, employee growth, exchange listings and data sources
- Name: International Personal Finance plc
- Ticker: IPF
- Exchange: LSE
- Founded: 1997
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£293.497m
- Shares outstanding: 222.68m
- Website: https://www.ipfin.co.uk
Number of Employees
- International Personal Finance plc
- Number Three
- Leeds City Office Park
- West Yorkshire
- LS11 5BD
- United Kingdom
International Personal Finance plc, together with its subsidiaries, provides consumer credit in Europe and Mexico. It offers home credit products, such as home credit cash loans with agent service; money t...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/10 19:12|
|End of Day Share Price||2021/05/10 00:00|
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.