International Personal Finance PLC (IPF)

Currency in GBP
181.20
+1.00(+0.56%)
Closed·
IPF Scorecard
Full Analysis
Has raised its dividend for 4 consecutive years
Trading near 52-week High
Fair Value
Day's Range
180.00181.80
52 wk Range
120.00181.80
Key Statistics
Bid/Ask
176.00 / 181.60
Prev. Close
180.2
Open
180.4
Day's Range
180-181.8
52 wk Range
120-181.8
Volume
302.4K
Average Volume (3m)
334.13K
1-Year Change
33.48%
Fair Value
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Fair Value Upside
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IPF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
193.33
Upside
+6.70%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low P/E ratio relative to near-term earnings growth
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

International Personal Finance PLC Company Profile

International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico. The company provides home credit installment loans; hybrid loans; credit card; retail credit; digital installment loans; revolving credit line; mobile wallet services; and value added services, including health and life insurance. It offers its products under the Provident home credit, Credit24 digital, and Creditea brands. The company was founded in 1997 and is headquartered in Leeds, the United Kingdom.

Sector
Financial
Employees
8351

International Personal Finance PLC Earnings Call Summary for Q1/2025

  • Customer lending up 12% YoY, net receivables rose 10% to £885M; impairment rate below 9%, outperforming 14-16% target
  • Secured $36M new bank funding; planning 15M share buyback by Q3; stock up 0.43% to £140, trading near Fair Value
  • Targeting £130-150M receivables growth through 2025; confident in meeting market consensus for growth and net profit
  • EPS forecasts: $1.26 for FY2025, $2.02 for FY2026; dividend raised for 4 consecutive years; management buying back shares
  • Risks: potential impairment rate increase, economic uncertainties in key markets, regulatory changes, exchange rate fluctuations
Last Updated: 01/05/2025, 09:36
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Compare IPF to Peers and Sector

Metrics to compare
IPF
Peers
Sector
Relationship
P/E Ratio
6.5x11.2x9.7x
PEG Ratio
0.230.220.03
Price/Book
0.8x1.8x1.0x
Price / LTM Sales
0.5x1.8x2.9x
Upside (Analyst Target)
2.3%19.2%9.7%
Fair Value Upside
Unlock17.8%1.4%Unlock

Analyst Ratings

3 Buy
0 Hold
0 Sell
Ratings:
3 analysts
Overall Consensus
Strong Buy

Analysts 12-Month Price Target:

Average 193.33
(+6.70% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 0.27%
Dividend Yield
6.33%
Industry Median 4.50%
Annualised payout
11.40
Paid unevenly
5-Years Growth
+19.90%
Growth Streak

Earnings

Latest Release
Mar 20, 2025
EPS / Forecast
0.18 / 0.10
Revenue / Forecast
354.60M / 407.20M
EPS Revisions
Last 90 days

IPF Income Statement

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FAQ

What Stock Exchange Does Intl Personal Finance Trade On?

Intl Personal Finance is listed and trades on the London Stock Exchange stock exchange.

What Is the Stock Symbol for Intl Personal Finance?

The stock symbol for Intl Personal Finance is "IPF."

What Is the Intl Personal Finance Market Cap?

As of today, Intl Personal Finance market cap is 396.65M.

What Is Intl Personal Finance's Earnings Per Share (TTM)?

The Intl Personal Finance EPS (TTM) is 0.27.

When Is the Next Intl Personal Finance Earnings Date?

Intl Personal Finance will release its next earnings report on 29 Jul 2025.

From a Technical Analysis Perspective, Is IPF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Intl Personal Finance Stock Split?

Intl Personal Finance has split 0 times.

How Many Employees Does Intl Personal Finance Have?

Intl Personal Finance has 8351 employees.

What is the current trading status of Intl Personal Finance (IPF)?

As of 23 Jul 2025, Intl Personal Finance (IPF) is trading at a price of 181.20, with a previous close of 180.20. The stock has fluctuated within a day range of 180.00 to 181.80, while its 52-week range spans from 120.00 to 181.80.
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