IPF — International Personal Finance Share Price
Last trade - 00:00- £291.49m
- £784.39m
- £767.80m
- 95
- 97
- 71
- 99
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 5.98 | ||
| PEG Ratio (f) | 0.54 | ||
| EPS Growth (f) | 12.37% | ||
| Dividend Yield (f) | 9.08% | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 0.57 | ||
| Price to Tang. Book | 0.64 | ||
| Price to Free Cashflow | 4.5 | ||
| Price to Sales | 0.37 | ||
| EV to EBITDA | 6.74 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 8.74% | ||
| Return on Equity | 10.14% | ||
| Operating Margin | 11.2% | ||
Financial Summary
| Year End 31st Dec | Unit | 2019 | 2020 | 2021 | 2022 | 2023 | 2024E | 2025E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | £m | 889.1 | 661.3 | 548.7 | 645.5 | 767.8 | 741.8 | 809.33 | -2.39% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | -6.39 | n/a | n/a | +61.27 | -34.17 | -2.5 | +29.12 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
International Personal Finance plc is a United Kingdom-based global financial services company. The Company's business divisions include European home credit, Mexico home credit and IPF Digital. The Company offers a suite of traditional products and services to suit its customers’ preferences and different credit profiles. It has built a suite of products ranging from home credit and digital installment loans through to a credit card, digital credit lines and a mobile wallet. It also offers a range of insurance and other value-added services which are underwritten by third-party partners. Its brands include Provident, Creditea and Credit24. It provides ProviGo customer app through which customers can view their account online, look at their balance, track receipts of payments and see if they can access another loan or value-added service. ProviGo also enables the Company to communicate directly with customers in real time with the offers and promotions it is running.
Directors
- Stuart Sinclair NEC (66)
- Gerard Ryan CEO
- James Ormrod SEC
- Deborah Davis NID (58)
- Richard Holmes NID
- John Mangelaars NID
- Richard Frank Moat NID
- Cathryn Riley NID (59)
- Bronwyn Syiek NID
- Last Annual
- December 31st, 2023
- Last Interim
- December 31st, 2023
- Incorporated
- December 5th, 2006
- Public Since
- October 8th, 2007
- No. of Employees
- 6,555
- Sector
- Banking Services
- Industry
- Financials
- Exchange
- London Stock Exchange
- Shares in Issue
- 226,721,356
- Address
- 26 Whitehall Road, LEEDS, LS12 1BE
- Web
- https://www.ipfin.co.uk/
- Phone
- +44 1135395466
- Contact
- Rachel Moran
- Auditors
- Deloitte LLP
Latest News for IPF
Upcoming Events for IPF
Half Year 2024 International Personal Finance PLC Earnings Release
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FAQ
As of Today at 21:22 UTC, shares in International Personal Finance are trading at 125.50p. This share price information is delayed by 15 minutes.
Shares in International Personal Finance last closed at 125.50p and the price had moved by +9.13% over the past 365 days. In terms of relative price strength the International Personal Finance share price has underperformed the FTSE All Share Index by -1.5% over the past year.
The overall consensus recommendation for International Personal Finance is Buy. You can view the full broker recommendation list by unlocking its StockReport.
The International Personal Finance dividend yield is 8.21% based on the trailing twelve month period.
Last year, International Personal Finance paid a total dividend of £0.10, and it currently has a trailing dividend yield of 8.21%. We do not have any data on when International Personal Finance is to next pay dividends.
We do not have data on when International Personal Finance is to next pay dividends. The historic dividend yield on International Personal Finance shares is currently 8.21%.
To buy shares in International Personal Finance you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
As of the previous close price of 125.50p, shares in International Personal Finance had a market capitalisation of £284.54m.
Here are the trading details for International Personal Finance:
- Country of listing: United Kingdom
- Exchange: LSE
- Ticker Symbol: IPF
Based on an overall assessment of its quality, value and momentum International Personal Finance is currently classified as a Super Stock. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
The analyst consensus target price for shares in International Personal Finance is 176.67p. That is 40.77% above the last closing price of 125.50p.
Analysts covering International Personal Finance currently have a consensus Earnings Per Share (EPS) forecast of £0.18 for the next financial year.
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like International Personal Finance. Over the past six months, its share price has underperformed the FTSE All Share Index by -1.52%.
As of the last closing price of 125.50p, shares in International Personal Finance were trading +6.84% higher than their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
The International Personal Finance PE ratio based on its reported earnings over the past 12 months is 5.98. The shares last closed at 125.50p.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
International Personal Finance's management team is headed by:
- Stuart Sinclair - NEC
- Gerard Ryan - CEO
- James Ormrod - SEC
- Deborah Davis - NID
- Richard Holmes - NID
- John Mangelaars - NID
- Richard Frank Moat - NID
- Cathryn Riley - NID
- Bronwyn Syiek - NID