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International Personal Finance PLC

Financial Services GB IPF

248.0GBX
0.00(0%)

Last update at 2026-06-03T15:39:00Z

Day Range

248.00255.00
LowHigh

52 Week Range

118.38248.39
LowHigh

Fundamentals

  • Previous Close 248.00
  • Market Cap540.03M
  • Volume864184
  • P/E Ratio10.25
  • Dividend Yield5.20%
  • EBITDA166.00M
  • Revenue TTM737.50M
  • Revenue Per Share TTM3.38
  • Gross Profit TTM 610.70M
  • Diluted EPS TTM0.24

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 85.30M 73.30M 83.90M 77.40M 67.70M
Minority interest - - - - -
Net income 54.20M 60.90M 48.00M 56.80M 41.90M
Selling general administrative 312.90M 308.10M 308.90M 271.80M 259.40M
Selling and marketing expenses - - - - -
Gross profit 708.70M 655.90M 598.40M 577.40M 494.70M
Reconciled depreciation 28.80M 29.30M 29.30M 27.30M 28.70M
Ebit 158.60M 212.70M 160.80M 145.50M 67.70M
Ebitda 187.40M - 190.10M 172.80M 96.40M
Depreciation and amortization 28.80M 29.30M 29.30M 27.30M 28.70M
Non operating income net other - - - - -
Operating income 159.90M 212.70M 289.50M 145.50M 67.70M
Other operating expenses 577.60M 443.20M 478.30M 393.30M 370.80M
Interest expense 73.30M 71.70M 76.90M 68.10M 54.00M
Tax provision 31.10M 12.40M 35.90M 20.60M 25.80M
Interest income 739.50M 727.60M 767.80M 645.50M 548.70M
Net interest income 666.20M 655.90M 690.90M 577.40M 494.70M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 31.10M 12.40M 35.90M 20.60M 25.80M
Total revenue 737.50M 655.90M 767.80M 577.40M 494.70M
Total operating expenses 548.80M 443.20M 308.90M 393.30M 370.80M
Cost of revenue 28.80M 71.70M 169.40M - -
Total other income expense net -74.60000M -139.40000M -205.60000M -68.10000M -54.00000M
Discontinued operations - - - - -
Net income from continuing ops 54.20M 60.90M 48.00M 56.80M 41.90M
Net income applicable to common shares - - - 56.80M 41.90M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1337.30M 1141.70M 1189.00M 1171.10M 999.30M
Intangible assets 52.70M 37.10M 32.30M 27.90M 25.20M
Earning assets - - - - -
Other current assets 1076.80M 872.50M 22.20M 4.50M 863.30M
Total liab 791.30M 675.40M 687.10M 725.90M 632.20M
Total stockholder equity 546.00M 466.30M 501.90M 445.20M 367.10M
Deferred long term liab - - - - -
Other current liab -14.40000M -106.90000M 129.50M -106.70000M -112.80000M
Common stock 22.50M 22.50M 23.40M 23.40M 23.40M
Capital stock 22.50M 22.50M 23.40M 23.40M 23.40M
Retained earnings 536.60M 513.40M 503.20M 476.00M 441.50M
Other liab - - - 5.90M 7.90M
Good will 23.80M 22.60M 23.60M 24.20M 22.90M
Other assets - 1141.70M -2.90000M 1019.80M 863.30M
Cash 30.40M 27.60M 42.50M 50.70M 41.70M
Cash and equivalents - - - - -
Total current liabilities 67.30M 14.40M 214.10M 15.50M 112.80M
Current deferred revenue - - 43.70M - -
Net debt 624.10M -27.60000M 492.90M 519.50M 448.60M
Short term debt 67.30M 100.90M 60.50M - -
Short long term debt - - - - -
Short long term debt total 654.50M 535.80M 535.40M 570.20M 490.30M
Other stockholder equity -37.90000M -21.70000M -27.00000M -54.20000M -97.80000M
Property plant equipment - - - 36.60M 31.50M
Total current assets 1110.10M 913.70M 754.30M 58.10M 55.70M
Long term investments 1.50M 2.60M 2.90M 4.50M 0.70M
Net tangible assets - - - 393.10M 319.00M
Short term investments - - - - -
Net receivables 2.90M 13.60M 689.60M 16.20M 14.00M
Long term debt - - - - -
Inventory - - 0.00000M - -
Accounts payable 14.40M 14.40M 16.80M 122.20M 112.80M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 24.80M -44.70000M 12.00M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 5.00M 890.50M 341.10M -93.20000M -80.30000M
Deferred long term asset charges - - - - -
Non current assets total 227.20M 1091.20M 437.60M 93.20M 80.30M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -24.10000M -22.60000M -23.50000M -15.20000M
Change to liabilities - - - -3.80000M 26.70M
Total cashflows from investing activities -35.20000M -24.10000M -22.60000M -23.50000M -15.20000M
Net borrowings 78.80M 39.70M -39.20000M 46.50M -23.40000M
Total cash from financing activities 40.70M -12.60000M -72.70000M 27.20M -32.20000M
Change to operating activities - - - 2.20M -15.80000M
Net income 54.20M 60.90M 48.00M 56.80M 41.90M
Change in cash 2.80M -14.90000M -8.20000M 9.00M -74.60000M
Begin period cash flow 27.60M 42.50M 50.70M 41.70M 116.30M
End period cash flow 30.40M 27.60M 42.50M 50.70M 41.70M
Total cash from operating activities -4.50000M 24.80M 85.80M -0.90000M -24.80000M
Issuance of capital stock 0.50M -1.10000M 0.40M - -
Depreciation 28.80M 29.30M 29.30M 27.30M 28.70M
Other cashflows from investing activities - -17.70000M -17.90000M - -
Dividends paid 25.80M 23.90M 21.50M 18.90M 4.90M
Change to inventory - - - - -
Change to account receivables -119.10000M -10.40000M 0.90M -115.70000M -88.40000M
Sale purchase of stock 0.00000M -15.10000M -0.40000M -0.40000M -3.90000M
Other cashflows from financing activities -12.80000M -12.20000M -11.60000M 90.10M 39.50M
Change to netincome - - - 32.30M -17.90000M
Capital expenditures 7.40M 24.20M 22.60M 23.80M 15.40M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -119.10000M -62.00000M -1.40000M -117.30000M -77.50000M
Stock based compensation 2.10M 1.70M 2.70M 2.20M -0.20000M
Other non cash items 31.60M -5.10000M 7.20M 30.10M 55.20M
Free cash flow -11.90000M 0.60M 63.20M -24.70000M -40.20000M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
IPF
International Personal Finance PLC		 - -% 248.00 10.25 9.48 0.73 0.99 1.77
FCH
Funding Circle Holdings PLC		 -4.8 3.46% 134.00 10.00 14.04 1.97 1.67 2.25 15.97
47IE
S&U plc		 - -% 0.65 - - 5.12 -
SUS
S&U plc		 -40.0 2.07% 1890.00 11.83 9.30 3.52 1.02 4.66 9.84
ASAI
ASA International Group PLC		 4.50 2.31% 199.50 6.19 3.58 0.89 1.77 2.72

Reports Covered

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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, and Creditea digital brands. The company was founded in 1997 and is headquartered in Leeds, the United Kingdom.

International Personal Finance PLC

26 Whitehall Road, Leeds, United Kingdom, LS12 1BE

Key Executives

Name Title Year Born
Mr. Gerard Jude Ryan CEO & Exec. Director 1965
Mr. Gary Thompson CFO & Exec. Director 1973
Ms. Rachel Moran Investor Relations Mang. NA
James Ormrod Chief Legal Officer NA
Mr. Gergely Mikola Group Corp. Affairs Director NA
Ms. Lyndsey Hamilton-Scott Chief HR Officer NA
Ms. Botond Szirmak Head of European Home Credit NA
Krzysztof Adamski Group Treasurer NA
Laura Dobson Company Sec. NA
Mr. Craig Shannon Exec. Officer 1964

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