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International Personal Finance PLC (GB:IPF)
LSE:IPF
IPF Stock Chart & Stats
235.00 p
3.00 p(2.35%)
At close: 4:00 PM EST
235.00 p
3.00 p(2.35%)
Day’s Range― - ―
52-Week Range124.00 p - 252.00 p
Previous CloseN/A
Volume7.42K
Average Volume (3M)1.10M
Market Cap
£532.87M
Enterprise Value1.16B
Total Cash (Recent Filing)£30.40M
Total Debt (Recent Filing)£654.50M
Price to Earnings (P/E)9.4
Beta0.70
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.39%
Share Statistics
EPS (TTM)0.11
Shares Outstanding219,846,660
10 Day Avg. Volume1,392,662
30 Day Avg. Volume1,098,286
Financial Highlights & Ratios
PEG Ratio-1.27
Price to Book (P/B)0.94
Price to Sales (P/S)0.69
P/FCF Ratio-42.93
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Sell
Number of Analyst Covering1
EPS Forecast (FY)0.27
Revenue Forecast (FY)£881.40M
Bulls Say, Bears Say
Bulls Say
Receivables And Customer GrowthSustained lending and receivables growth with receivables topping £1bn indicates durable expansion of the core interest-earning asset base. Scale and rising customer counts diversify revenue sources across markets and support long-term finance income assuming credit performance holds.
Improving Credit Quality And Healthy MarginsA falling impairment rate alongside solid operating margins signals resilient underwriting and profitable lending economics. Improved credit performance materially reduces volatility in provisions and supports sustainable net interest margins and returns over the medium term.
Funding Access And Lowered Funding CostsAccessible facilities, meaningful headroom and a lower blended funding cost enhance liquidity and net interest spread resilience. Reliable funding and stable ratings provide structural capacity to finance receivables growth and absorb short-term portfolio cash flow variability.
Bears Say
Volatile And Weak Cash GenerationInconsistent conversion of earnings into cash increases dependence on external funding and working-capital dynamics. For a consumer-lending franchise this heightens refinancing and liquidity risk, complicates dividend and reinvestment plans, and raises sensitivity to credit-cycle downturns.
Elevated Leverage And Balance Sheet SensitivitySustained leverage narrows the margin for error in a non-prime lending model. Elevated debt-to-equity magnifies losses from deterioration in receivables, limits strategic flexibility, and increases funding cost and refinancing risk if macro or credit conditions worsen.
Regulatory Uncertainty (CCD II)Potential regulatory changes that restrict pricing, fees or acquisition channels are structural risks to lending economics. If enacted, they could compress yields, raise customer acquisition costs and force product redesigns, materially altering long-term revenue and margin assumptions.
International Personal Finance News
IPF FAQ
What was International Personal Finance PLC’s price range in the past 12 months?
International Personal Finance PLC lowest share price was 124.00 p and its highest was 252.00 p in the past 12 months.
What is International Personal Finance PLC’s market cap?
International Personal Finance PLC’s market cap is £532.87M.
When is International Personal Finance PLC’s upcoming earnings report date?
International Personal Finance PLC’s upcoming earnings report date is Jul 29, 2026 which is in 142 days.
How were International Personal Finance PLC’s earnings last quarter?
International Personal Finance PLC released its earnings results on Feb 25, 2026. The company reported 0.106 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.106 p.
Is International Personal Finance PLC overvalued?
According to Wall Street analysts International Personal Finance PLC’s price is currently Overvalued.
Does International Personal Finance PLC pay dividends?
International Personal Finance PLC pays a Semiannually dividend of 3.8 p which represents an annual dividend yield of 4.39%. See more information on International Personal Finance PLC dividends here
What is International Personal Finance PLC’s EPS estimate?
International Personal Finance PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does International Personal Finance PLC have?
International Personal Finance PLC has 219,846,660 shares outstanding.
What happened to International Personal Finance PLC’s price movement after its last earnings report?
International Personal Finance PLC reported an EPS of 0.106 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 6.61%.
Which hedge fund is a major shareholder of International Personal Finance PLC?
Currently, no hedge funds are holding shares in GB:IPF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
International Personal Finance Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Sell
Average Price Target:
― (―)
― (―)
Blogger Sentiment
Bullish
GB:IPF Sentiment 100%
Sector Average 69%
Sector Average 69%
Technicals
SMA
Positive
20 days / 200 days
Momentum
54.79%
12-Months-Change
Fundamentals
Return on Equity
10.35%
Trailing 12-Months
Asset Growth
17.13%
Trailing 12-Months
Company Description
International Personal Finance PLC
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.
IPF Stock 12 Month Forecast
Average Price Target
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Options Prices
Currently, No data available
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