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An update from International Personal Finance ( (GB:IPF) ) is now available.
International Personal Finance reported a 4.0% rise in pre-exceptional profit before tax to £88.6m for 2025, driven by an 11.8% increase in customer lending and a 13.9% rise in closing net receivables at constant exchange rates. Customer numbers grew 4.7% to 1.7 million, credit quality improved with an impairment rate of 9.0%, and the board proposed a higher full-year dividend of 12.8 pence per share, reflecting a strong balance sheet and funding headroom of £129m.
Operationally, the group accelerated its Next Gen growth strategy, scaling ProviSmart credit cards in Poland, launching a card pilot in Romania, expanding retail partnerships in Romania and Mexico, and rolling out short-term loans in Mexico and Poland. The board also backed an increased 250p-per-share takeover offer from IPF Parent Holdings’ BasePoint, implying a roughly 40% premium to the pre-offer share price and signalling a potential change of ownership for shareholders as the company commits an extra £5m annually to growth initiatives over the next two to three years.
The most recent analyst rating on (GB:IPF) stock is a Hold with a £241.00 price target. To see the full list of analyst forecasts on International Personal Finance stock, see the GB:IPF Stock Forecast page.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Neutral.
The stock’s overall score is driven by strong technical indicators and an attractive valuation, despite financial performance challenges. The bullish momentum and undervaluation are significant positives, while financial risks due to high leverage and negative cash flow are concerns.
To see Spark’s full report on GB:IPF stock, click here.
More about International Personal Finance
International Personal Finance is a consumer finance group focused on financial inclusion, providing affordable credit products and insurance services to underserved customers across nine international markets. The company operates through three divisions and is expanding its product mix, including credit cards, short-term loans and retail partnership credit, to deepen its presence in emerging and developing consumer credit segments.
Average Trading Volume: 2,550,469
Technical Sentiment Signal: Buy
Current Market Cap: £514.2M
For an in-depth examination of IPF stock, go to TipRanks’ Overview page.