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International Personal Finance PLC (GB:IPF)
LSE:IPF
UK Market

International Personal Finance (IPF) Ratios

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International Personal Finance Ratios

GB:IPF's free cash flow for Q2 2024 was £0.83. For the 2024 fiscal year, GB:IPF's free cash flow was decreased by £ and operating cash flow was £0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
3.75 3.52 3.75 0.49 1.42
Quick Ratio
3.75 3.52 3.75 0.49 1.42
Cash Ratio
3.27 0.20 3.27 0.37 1.31
Solvency Ratio
0.77 0.11 0.77 0.74 0.88
Operating Cash Flow Ratio
-0.06 0.40 -0.06 -0.22 3.18
Short-Term Operating Cash Flow Coverage
0.00 1.64 0.00 0.00 1.42K
Net Current Asset Value
£ -667.80M£ 67.20M£ -667.80M£ -576.50M£ -527.20M
Leverage Ratios
Debt-to-Assets Ratio
0.49 0.45 0.49 0.49 0.50
Debt-to-Equity Ratio
1.28 1.07 1.28 1.34 1.38
Debt-to-Capital Ratio
0.56 0.52 0.56 0.57 0.58
Long-Term Debt-to-Capital Ratio
0.00 0.48 0.00 0.56 0.57
Financial Leverage Ratio
2.63 2.37 2.63 2.72 2.76
Debt Service Coverage Ratio
1.93 1.19 1.93 2.31 -0.41
Interest Coverage Ratio
2.14 3.76 2.14 1.25 -0.72
Debt to Market Cap
0.00 1.89 0.00 1.63 2.71
Interest Debt Per Share
2.87 2.74 2.87 2.44 2.55
Net Debt to EBITDA
3.42 2.59 3.42 2.97 0.00
Profitability Margins
Gross Profit Margin
81.52%77.94%81.52%88.64%59.71%
EBIT Margin
25.20%20.94%25.20%24.68%-7.00%
EBITDA Margin
26.27%24.76%26.27%30.48%0.00%
Operating Profit Margin
25.20%37.71%25.20%13.69%-6.62%
Pretax Profit Margin
13.40%10.93%13.40%13.69%-6.62%
Net Profit Margin
9.84%6.25%9.84%8.47%-10.45%
Continuous Operations Profit Margin
9.84%6.25%9.84%8.47%-10.45%
Net Income Per EBT
73.39%57.21%73.39%61.89%157.74%
EBT Per EBIT
53.20%28.98%53.20%100.00%100.00%
Return on Assets (ROA)
4.85%4.04%4.85%4.19%-6.27%
Return on Equity (ROE)
12.76%9.56%12.76%11.41%-17.33%
Return on Capital Employed (ROCE)
12.59%29.70%12.59%7.64%-4.35%
Return on Invested Capital (ROIC)
78.63%15.95%78.63%180.60%-51.24%
Return on Tangible Assets
5.08%4.24%5.08%4.40%-6.62%
Earnings Yield
34.97%17.73%34.97%14.55%-35.42%
Efficiency Ratios
Receivables Turnover
35.64 1.11 35.64 35.34 62.07
Payables Turnover
6.88 10.08 6.88 5.20 32.16
Inventory Turnover
106.70M 0.00 106.70M 56.20M 247.60M
Fixed Asset Turnover
15.78 20.37 15.78 15.70 18.68
Asset Turnover
0.49 0.65 0.49 0.50 0.60
Working Capital Turnover Ratio
-79.64 2.63 -79.64 -49.47 -37.82
Cash Conversion Cycle
-42.78 291.63 -42.78 -59.81 -5.47
Days of Sales Outstanding
10.24 327.82 10.24 10.33 5.88
Days of Inventory Outstanding
<0.01 0.00 <0.01 <0.01 <0.01
Days of Payables Outstanding
53.02 36.20 53.02 70.14 11.35
Operating Cycle
10.24 327.82 10.24 10.33 5.88
Cash Flow Ratios
Operating Cash Flow Per Share
>-0.01 0.38 >-0.01 -0.11 1.28
Free Cash Flow Per Share
-0.11 0.28 -0.11 -0.18 1.21
CapEx Per Share
0.11 0.10 0.11 0.07 0.07
Free Cash Flow to Operating Cash Flow
27.44 0.74 27.44 1.62 0.95
Dividend Paid and CapEx Coverage Ratio
-0.02 1.95 -0.02 -1.22 18.30
Capital Expenditure Coverage Ratio
-0.04 3.80 -0.04 -1.61 18.30
Operating Cash Flow Coverage Ratio
>-0.01 0.16 >-0.01 -0.05 0.55
Operating Cash Flow to Sales Ratio
>-0.01 0.11 >-0.01 -0.05 0.46
Free Cash Flow Yield
-15.21%23.35%-15.21%-13.96%147.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
2.86 5.64 2.86 6.87 -2.82
Price-to-Sales (P/S) Ratio
0.28 0.35 0.28 0.58 0.29
Price-to-Book (P/B) Ratio
0.36 0.54 0.36 0.78 0.49
Price-to-Free Cash Flow (P/FCF) Ratio
-6.58 4.28 -6.58 -7.16 0.68
Price-to-Operating Cash Flow Ratio
-180.48 3.15 -180.48 -11.61 0.64
Price-to-Earnings Growth (PEG) Ratio
0.08 -0.29 0.08 -0.04 0.01
Price-to-Fair Value
0.36 0.54 0.36 0.78 0.49
Enterprise Value Multiple
4.50 4.02 4.50 4.88 0.00
Enterprise Value
681.93M 763.58M 681.93M 736.53M 576.16M
EV to EBITDA
4.50 4.02 4.50 4.88 0.00
EV to Sales
1.18 0.99 1.18 1.49 0.94
EV to Free Cash Flow
-27.61 12.08 -27.61 -18.32 2.15
EV to Operating Cash Flow
-757.70 8.90 -757.70 -29.70 2.03
Tangible Book Value Per Share
1.77 1.99 1.77 1.43 1.42
Shareholders’ Equity Per Share
2.00 2.24 2.00 1.64 1.67
Tax and Other Ratios
Effective Tax Rate
0.27 0.43 0.27 0.38 -0.58
Revenue Per Share
2.60 3.43 2.60 2.22 2.76
Net Income Per Share
0.26 0.21 0.26 0.19 -0.29
Tax Burden
0.73 0.57 0.73 0.62 1.58
Interest Burden
0.53 0.52 0.53 0.55 0.95
Research & Development to Revenue
<0.01 0.00 <0.01 <0.01 >-0.01
SG&A to Revenue
0.47 0.40 0.47 0.52 0.48
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 >-0.01 <0.01
Income Quality
-0.02 1.79 -0.02 -0.59 -4.42
Currency in GBP
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