International Personal Finance Balance Sheet Health
Financial Health criteria checks 3/6
International Personal Finance has a total shareholder equity of £445.2M and total debt of £548.8M, which brings its debt-to-equity ratio to 123.3%. Its total assets and total liabilities are £1.2B and £725.9M respectively. International Personal Finance's EBIT is £145.5M making its interest coverage ratio 2.1. It has cash and short-term investments of £50.7M.
Key information
123.3%
Debt to equity ratio
UK£548.80m
Debt
| Interest coverage ratio | 2.1x |
| Cash | UK£50.70m |
| Equity | UK£445.20m |
| Total liabilities | UK£725.90m |
| Total assets | UK£1.17b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Short Term Liabilities: IPFP.F's short term assets (£729.6M) exceed its short term liabilities (£228.8M).
Long Term Liabilities: IPFP.F's short term assets (£729.6M) exceed its long term liabilities (£497.1M).
Debt to Equity History and Analysis
Debt Level: IPFP.F's net debt to equity ratio (111.9%) is considered high.
Reducing Debt: IPFP.F's debt to equity ratio has reduced from 136.5% to 123.3% over the past 5 years.
Debt Coverage: IPFP.F's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: IPFP.F's interest payments on its debt are not well covered by EBIT (2.1x coverage).