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XLONIPF
Market cap342mUSD
Jan 08, Last price  
127.50GBP
1D
-3.04%
1Q
-12.67%
Jan 2017
-26.00%
IPO
-39.72%
Name

International Personal Finance PLC

Chart & Performance

D1W1MN
XLON:IPF chart
P/E
577.27
P/S
36.09
EPS
0.22
Div Yield, %
0.08%
Shrs. gr., 5y
0.29%
Rev. gr., 5y
-1.01%
Revenues
768m
+32.98%
365,300,000409,800,000557,100,000550,200,000608,700,000649,500,000610,100,000697,800,000737,900,000693,800,000716,300,000770,600,000807,900,000825,600,000614,500,000494,700,000577,400,000767,800,000
Net income
48m
-15.49%
23,000,00032,500,00050,600,00032,800,00059,200,00076,500,00074,100,00095,600,00071,800,00062,500,00066,900,00036,600,00075,400,00071,800,000-64,200,00041,900,00056,800,00048,000,000
CFO
86m
P
22,600,000-7,000,00014,800,00067,300,00039,000,00011,900,00029,200,000-1,300,00033,900,00022,400,00021,800,000-7,800,00060,200,00064,200,000283,600,000-24,800,000-900,00085,800,000
Dividend
Aug 29, 20243.4 GBP/sh
Earnings
Feb 26, 2025

Profile

International Personal Finance plc, together with its subsidiaries, provides consumer credit in Europe and Mexico. The company offers home credit products, such as money transfer loans direct to bank account, cash and microbusiness loans, home, medical and life insurances, and repayments services. It also offers digital business services comprising of instalment loans and repayment schedules, credit line products, and mobile wallet payments. The company offers its products under the Provident, Credit24, hapiloans, and Creditea brands. International Personal Finance plc was founded in 1997 and is headquartered in Leeds, the United Kingdom.
URL
https://www.ipfin.co.uk/
IPO date
Oct 08, 2007
Employees
8,862
Domiciled in
GB
Incorporated in
GB

Valuation

Title
GBP in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
767,800
32.98%
577,400
16.72%
Cost of revenue
478,300
378,500
Unusual Expense (Income)
NOPBT
289,500
198,900
NOPBT Margin
37.71%
34.45%
Operating Taxes
35,900
20,600
Tax Rate
12.40%
10.36%
NOPAT
253,600
178,300
Net income
48,000
-15.49%
56,800
35.56%
Dividends
(21,500)
(18,900)
Dividend yield
7.61%
11.05%
Proceeds from repurchase of equity
(400)
BB yield
0.23%
Debt
Debt current
60,500
79,000
Long-term debt
490,200
584,400
Deferred revenue
(5,900)
Other long-term liabilities
(474,900)
(554,700)
Net debt
505,300
608,200
Cash flow
Cash from operating activities
85,800
(900)
CAPEX
(4,700)
(23,800)
Cash from investing activities
(22,600)
(23,500)
Cash from financing activities
(72,700)
27,200
FCF
(1,111,100)
156,800
Balance
Cash
42,500
50,700
Long term investments
2,900
4,500
Excess cash
7,010
26,330
Stockholders' equity
538,600
1,018,900
Invested Capital
1,028,390
1,184,070
ROIC
22.92%
17.43%
ROCE
27.96%
16.35%
EV
Common stock shares outstanding
237,500
234,000
Price
1.19
62.79%
0.73
-43.33%
Market cap
282,625
65.23%
171,054
-43.65%
EV
787,925
1,309,654
EBITDA
318,800
226,200
EV/EBITDA
2.47
5.79
Interest
76,900
68,100
Interest/NOPBT
26.56%
34.24%