International Personal Finance (IPF) AI Stock Analysis

• Market Cap: £518.58M
• Dividend Yield: 4.39%
• Average Volume (3M): 1.10M
• Price to Earnings (P/E): 7.2
• Beta (1Y): 0.82
• Revenue Growth: -7.52%
• EPS Growth: 50.23%
• Country: UK
• Employees: 8,351
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.14
• Shares Outstanding: 219,832,050
• 10 Day Avg. Volume: 1,392,662
• 30 Day Avg. Volume: 1,098,286
• PEG Ratio: 0.17
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 0.44
• P/FCF Ratio: 482.73
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: 234.00p ▼(-0.43% Downside)

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.

Positive Factors

Revenue Growth

The increase in lending and receivables indicates strong demand and improved credit quality, suggesting potential for sustained revenue growth and market expansion.

Balance Sheet Health

A strong balance sheet with low debt levels enhances financial stability and provides flexibility for future investments and growth initiatives.

Management Quality

Recent board appointments reflect a commitment to governance and strategic oversight, potentially leading to better decision-making and long-term company performance.

Negative Factors

Cash Flow Volatility

Volatile cash flow and decreased operating cash flow to net income ratio indicate potential challenges in cash generation, affecting operational stability.

Revenue Decline

The decline in revenue highlights market challenges and could impact profitability if not addressed through strategic initiatives.

Operating Efficiency Concerns

Absence of operating efficiency metrics raises concerns about cost management and profitability, potentially affecting long-term financial performance.

International Personal Finance Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

IPF generates revenue primarily through the interest and fees charged on the personal loans it provides to consumers. The company typically offers loans with varying terms and interest rates, allowing it to cater to a diverse customer base. Key revenue streams include the interest income from loan repayments, late fees, and other service fees associated with the loans. Additionally, IPF focuses on building strong customer relationships to encourage repeat borrowing, which further enhances its revenue potential. The company may also engage in strategic partnerships with local businesses and financial institutions to expand its reach and improve customer acquisition, contributing to its overall earnings.

International Personal Finance Financial Statement Overview

Summary

International Personal Finance demonstrates strong gross margins and operational efficiency but faces challenges with revenue growth and cash flow management. The high leverage and negative free cash flow indicate potential financial risks, although return on equity remains solid.

Income Statement

The company shows a strong gross profit margin of 84.41% TTM, indicating efficient cost management. However, the net profit margin is moderate at 10.28% TTM, reflecting some profitability challenges. Revenue growth is negative at -1.67% TTM, suggesting a decline in sales compared to previous periods. EBIT and EBITDA margins are healthy, indicating good operational efficiency.

Balance Sheet

The debt-to-equity ratio is relatively high at 1.17 TTM, indicating significant leverage, which could pose financial risks. Return on equity is solid at 14.92% TTM, showing effective use of equity to generate profits. The equity ratio is moderate, suggesting a balanced capital structure but with potential leverage concerns.

Cash Flow

The company faces challenges with free cash flow, which is negative TTM, indicating potential liquidity issues. The operating cash flow to net income ratio is low at 0.02 TTM, suggesting limited cash generation relative to net income. Free cash flow to net income is negative, highlighting cash flow constraints.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	702.40M	655.90M	767.80M	645.50M	548.70M	661.30M
Gross Profit	592.90M	655.90M	598.40M	538.80M	438.50M	413.70M
EBITDA	164.90M	0.00	190.10M	172.70M	150.80M	33.40M
Net Income	72.20M	60.90M	48.00M	56.80M	41.90M	-64.20M
Balance Sheet
Total Assets	1.23B	1.14B	1.19B	1.17B	999.30M	1.02B
Cash, Cash Equivalents and Short-Term Investments	38.00M	27.60M	42.50M	50.70M	41.70M	116.30M
Total Debt	587.10M	535.80M	535.40M	570.20M	490.30M	511.20M
Total Liabilities	724.20M	675.40M	687.10M	725.90M	632.20M	653.40M
Stockholders Equity	501.60M	466.30M	501.90M	445.20M	367.10M	370.50M
Cash Flow
Free Cash Flow	-4.60M	600.00K	63.20M	-24.70M	-40.20M	268.10M
Operating Cash Flow	2.30M	24.80M	85.80M	-900.00K	-24.80M	283.60M
Investing Cash Flow	-28.30M	-24.10M	-22.60M	-23.50M	-15.20M	-15.10M
Financing Cash Flow	-21.50M	-12.60M	-72.70M	27.20M	-32.20M	-189.60M

International Personal Finance Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 235.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:IPF, the sentiment is Positive. The current price of 235 is above the 20-day moving average (MA) of 231.00, above the 50-day MA of 215.52, and above the 200-day MA of 187.79, indicating a bullish trend. The MACD of 6.41 indicates Positive momentum. The RSI at 72.40 is Negative, neither overbought nor oversold. The STOCH value of 72.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:IPF.

International Personal Finance Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ORCH	75 Outperform	£12.81M	4.18	15.17%	3.33%	8.91%	94.32%
SUS	74 Outperform	£280.68M	14.07	8.41%	5.33%	-11.17%	6.04%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IPF	67 Neutral	£518.58M	7.21	14.70%	4.39%	-7.52%	50.23%
ASAI	56 Neutral	£194.00M	5.91	39.40%	4.74%	―	―
VANQ	49 Neutral	£299.29M	-3.87	-16.30%	―	-3.77%	-147.20%
AMGO	47 Neutral	£5.52M	-20.00	―	―	-97.14%	98.49%

International Personal Finance Corporate Events

International Personal Finance Confirms Total Voting Rights

International Personal Finance has confirmed its total voting rights as at 31 December 2025, reporting issued share capital of 224,610,034 ordinary shares of 10 pence each, of which 4,777,987 are held in treasury. This leaves 219,832,047 voting rights in issue, a figure the company highlights as the reference denominator for shareholders assessing whether they must disclose holdings or changes in holdings under the UK Financial Conduct Authority’s Disclosure Guidance and Transparency Rules, ensuring ongoing compliance with market transparency requirements.

IPF Extends Deadline for BasePoint’s Potential Acquisition Offer

International Personal Finance Plc (IPF) has announced an extension of the deadline for BasePoint Capital LLC to finalize its financing arrangements for a potential cash offer to acquire IPF. The revised offer would allow IPF shareholders to receive 235 pence per share, with an additional entitlement to a final dividend. The extension reflects BasePoint’s progress in securing financing, although there is no certainty that a firm offer will be made. This development could impact IPF’s market positioning and shareholder value, pending further announcements.

IPF Extends Deadline for BasePoint’s Potential Acquisition Offer

International Personal Finance Plc has announced an extension to the deadline for BasePoint Capital LLC to finalize its financing arrangements for a potential cash offer to acquire the entire share capital of IPF. The extension, granted by the Board and consented by the Panel, pushes the deadline to December 31, 2025. This move indicates progress in the acquisition talks, although there is no certainty that a firm offer will be made. Stakeholders are advised to stay informed as further announcements are expected.

International Personal Finance Announces Total Voting Rights Update

International Personal Finance Plc announced its total voting rights as of November 30, 2025, with an issued share capital comprising 224,610,034 ordinary shares, of which 4,792,675 are held in treasury. This results in a total of 219,817,359 voting rights, a figure shareholders can use to assess their interests under FCA rules.

International Personal Finance Receives Revised Acquisition Proposal from BasePoint

International Personal Finance Plc (IPF) has received a further revised non-binding proposal from BasePoint Capital LLC to acquire its entire share capital. The proposal includes a cash consideration of 235 pence per share, allowing shareholders to retain any final dividend up to 9 pence per share for the financial year ending December 31, 2025. The IPF board is inclined to recommend this offer, pending a firm intention announcement and agreement on all terms. BasePoint has completed due diligence and obtained necessary approvals, but requires more time to finalize financing. The deadline for BasePoint to announce its firm intention has been extended to December 17, 2025. The outcome of this potential acquisition could significantly impact IPF’s market position and shareholder value.

International Personal Finance plc Announces Successful SEK 1 Billion Bond Issuance

International Personal Finance plc has successfully priced SEK 1 billion in senior unsecured floating rate notes due 2028, marking its largest bond issuance in the Nordic capital market. The notes, which will trade on the Frankfurt Open Market, were well oversubscribed, reflecting strong investor confidence in the company’s business and its Next Gen strategy. The funds raised will support IPF’s continued growth and efforts to enhance financial inclusion for consumers underserved by mainstream lenders.

International Personal Finance Extends Deadline for Potential Acquisition Offer

International Personal Finance Plc has announced an extension to the deadline for BasePoint Capital LLC to make a firm offer for the company. This extension allows BasePoint more time to finalize financing for the potential acquisition, although there is no certainty that a firm offer will be made. The announcement highlights the ongoing discussions and the procedural steps being taken under the City Code on Takeovers and Mergers, with implications for shareholders and market positioning.

International Personal Finance Reports Strong Q3 2025 Growth

International Personal Finance plc reported a strong third quarter in 2025, with significant growth driven by robust consumer demand and new product initiatives. The company’s Next Gen strategy has resulted in a 14% increase in customer lending and a 2.3% year-on-year growth in customer numbers. The Group’s net receivables have surpassed £1 billion, and the company maintains a well-capitalized balance sheet with secured bank facilities. Despite an increase in the annualized impairment rate due to growth, the company remains on track to meet its full-year financial targets, with a focus on expanding its market presence in Mexico, Australia, and digital products.