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International Personal Finance
(LSE:IPF)
International Personal Finance (IPF) vs. iShares MSCI United Kingdom ETF (EWC)
International Personal Finance Business Overview & Revenue Model
International Personal Finance Financial Statement Overview
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 759.50M | 655.90M | 767.80M | 577.40M | 494.70M | 614.50M |
| Gross Profit | 615.00M | 655.90M | 598.40M | 470.70M | 438.50M | 366.90M |
| EBITDA | 173.60M | 0.00 | 190.10M | 151.70M | 150.80M | 0.00 |
| Net Income | 49.00M | 60.90M | 48.00M | 56.80M | 41.90M | -64.20M |
Balance Sheet | ||||||
| Total Assets | 1.20B | 1.14B | 1.19B | 1.17B | 999.30M | 1.02B |
| Cash, Cash Equivalents and Short-Term Investments | 86.50M | 27.60M | 42.50M | 50.70M | 41.70M | 116.30M |
| Total Debt | 566.50M | 0.00 | 535.40M | 570.20M | 490.30M | 511.20M |
| Total Liabilities | 716.40M | 675.40M | 687.10M | 725.90M | 632.20M | 653.40M |
| Stockholders Equity | 480.40M | 466.30M | 501.90M | 445.20M | 367.10M | 370.50M |
Cash Flow | ||||||
| Free Cash Flow | 69.40M | 600.00K | 63.20M | -24.70M | -40.20M | 268.10M |
| Operating Cash Flow | 74.20M | 24.80M | 85.80M | -900.00K | -24.80M | 283.60M |
| Investing Cash Flow | -22.60M | -24.10M | -22.60M | -23.50M | -15.20M | -15.10M |
| Financing Cash Flow | 7.50M | -12.60M | -72.70M | 27.20M | -32.20M | -189.60M |
International Personal Finance Technical Analysis
International Personal Finance Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | £201.70M | 11.26 | 7.59% | 595.24% | 0.15% | -29.58% | |
75 Outperform | £395.98M | 6.63 | 12.58% | 461.51% | -5.41% | 27.41% | |
64 Neutral | $6.69B | 10.23 | 7.22% | 190.13% | 24.15% | 5.15% | |
61 Neutral | £252.61M | ― | -23.29% | 9.29% | 1.10% | -1831.40% | |
35 Underperform | £1.57M | ― | -200.00% | ― | ― | ― |
International Personal Finance Corporate Events
International Personal Finance Plc has announced a change in the breakdown of voting rights, with Aberforth Partners LLP crossing a threshold on May 1, 2025. The notification reveals that Aberforth Partners LLP now holds 9.996% of the voting rights, a decrease from the previous 10.710%. This change in voting rights could impact the company’s governance and decision-making processes, potentially influencing its strategic direction and stakeholder relations.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance scores well due to its strong valuation with a low P/E ratio and high dividend yield, which are attractive to investors. Technical indicators suggest positive momentum, though with caution due to near overbought signals. Financial performance is mixed, with strengths in profitability and weaknesses in cash flow management. Overall, the stock is positioned favorably, but improvements in cash flow stability are needed for sustained growth.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance Plc has announced a change in its major holdings, with Artemis Investment Management LLP now holding 13.21623% of voting rights. This adjustment in voting rights reflects a slight increase from the previous 13.111695%, indicating a potential shift in shareholder influence and company governance dynamics.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance scores well due to its strong valuation with a low P/E ratio and high dividend yield, which are attractive to investors. Technical indicators suggest positive momentum, though with caution due to near overbought signals. Financial performance is mixed, with strengths in profitability and weaknesses in cash flow management. Overall, the stock is positioned favorably, but improvements in cash flow stability are needed for sustained growth.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance plc announced that all resolutions were passed at its Annual General Meeting held on 1 May 2025. Key resolutions included the approval of the directors’ remuneration report, the declaration of a final dividend, and the re-election of several directors. The successful passing of these resolutions reflects strong shareholder support and positions the company for continued stability and growth.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance is bolstered by a strong valuation due to low P/E and high dividend yield, alongside positive corporate developments such as debt redemption and strong financial results. While financial performance and cash flow management need improvement, the technical outlook remains stable. These factors collectively position the stock favorably in the market.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance Plc has announced its total voting rights as of April 30, 2025, in compliance with the Disclosure Guidance and Transparency Rules. The company reported an issued share capital of 224,610,034 ordinary shares, with 5,936,141 held in treasury, resulting in 218,673,893 total voting rights. This figure is crucial for shareholders to determine their notification obligations under FCA rules.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance is bolstered by a strong valuation due to low P/E and high dividend yield, alongside positive corporate developments such as debt redemption and strong financial results. While financial performance and cash flow management need improvement, the technical outlook remains stable. These factors collectively position the stock favorably in the market.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance plc reported a strong start to 2025, with a 12% increase in customer lending and a 10% rise in net receivables year-on-year at constant exchange rates. The company attributes this growth to strong demand and excellent customer repayment behavior, which has improved credit quality and reduced the annualized impairment rate to 9%. With a robust balance sheet and new bank facilities secured, IPF is well-positioned to accelerate growth and enhance financial inclusion. The company is also progressing with its Next Gen strategy, focusing on broadening product choices and improving operational efficiency, which is expected to support its financial plans for 2025.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance is bolstered by a strong valuation due to low P/E and high dividend yield, alongside positive corporate developments such as debt redemption and strong financial results. While financial performance and cash flow management need improvement, the technical outlook remains stable. These factors collectively position the stock favorably in the market.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance plc (IPF) has announced changes in its board of directors, with Aileen Wallace appointed as the new Chair of the Remuneration Committee, succeeding Deborah Davis. Additionally, Katrina Cliffe will join the Audit & Risk Committee. Both appointments are effective immediately following the company’s AGM. These changes reflect IPF’s ongoing commitment to strengthening its governance and oversight structures, potentially impacting its strategic direction and stakeholder engagement.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance is bolstered by a strong valuation due to low P/E and high dividend yield, alongside positive corporate developments such as debt redemption and strong financial results. While financial performance and cash flow management need improvement, the technical outlook remains stable. These factors collectively position the stock favorably in the market.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance plc has announced the grant of shares to several key executives under its Restricted Share Plan and Deferred Share Plan. This move involves the issuance of a significant number of shares to directors and managers across its European and Mexican operations, as well as other strategic roles, reflecting the company’s commitment to aligning management incentives with shareholder interests. The transactions, conducted outside a trading venue, are part of the company’s strategy to retain and motivate its leadership team, potentially impacting its operational focus and stakeholder engagement.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance is bolstered by a strong valuation due to low P/E and high dividend yield, alongside positive corporate developments such as debt redemption and strong financial results. While financial performance and cash flow management need improvement, the technical outlook remains stable. These factors collectively position the stock favorably in the market.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance Plc has announced a change in its voting rights structure, with Aberdeen Group plc reducing its holdings to below 5%. This adjustment in voting rights could impact the company’s governance and influence within the industry, potentially affecting stakeholders and strategic decisions moving forward.
Spark’s Take on GB:IPF Stock
According to Spark, TipRanks’ AI Analyst, GB:IPF is a Outperform.
International Personal Finance is bolstered by a strong valuation due to low P/E and high dividend yield, alongside positive corporate developments such as debt redemption and strong financial results. While financial performance and cash flow management need improvement, the technical outlook remains stable. These factors collectively position the stock favorably in the market.
To see Spark’s full report on GB:IPF stock, click here.
International Personal Finance plc announced the exercise of options by Povilas Gircys, the Managing Director of IPFD, under the company’s Performance Share Plan. The transactions involved the exercise of 28,948 options granted in 2021 and 103,012 options granted in 2022, both at nil price, conducted on the London Stock Exchange. This move signifies a strategic alignment with the company’s incentive plans, potentially impacting shareholder value and management’s stake in the company.
International Personal Finance Plc has announced a change in its voting rights structure following an acquisition by Aberdeen Group plc, which now holds a 5.008830% stake in the company. This development signifies Aberdeen Group’s increased influence in the company’s decision-making process, potentially impacting its strategic direction and stakeholder interests.
International Personal Finance Plc announced a change in voting rights as Aberdeen Group plc’s holdings in the company have fallen below the 5% threshold. This adjustment in shareholding could impact the company’s governance and stakeholder dynamics, as significant voting rights influence decision-making processes.
International Personal Finance Plc has successfully completed the early redemption of its remaining outstanding EUR 341,228,000 Senior Unsecured Notes due 2025. This move, which involved delisting the notes from the London Stock Exchange, reflects the company’s proactive management of its debt obligations and positions it for future engagements in the debt capital markets.
International Personal Finance Plc has announced its total voting rights as of March 31, 2025, in compliance with the Disclosure Guidance and Transparency Rules. The company reported an issued share capital of 224,610,034 ordinary shares, with 6,202,060 held in treasury, resulting in 218,407,974 total voting rights. This figure is crucial for shareholders to determine their interests in the company under FCA regulations.
Artemis Investment Management LLP has increased its voting rights in International Personal Finance Plc to 13.11%, up from a previous 12.27%. This acquisition of voting rights signifies a strengthened position for Artemis within the company, potentially impacting the strategic decisions and future direction of International Personal Finance Plc.
International Personal Finance plc has released its Annual Report and Financial Statements for 2024, along with the notice for its 2025 Annual General Meeting. These documents have been distributed to shareholders who opted for hard copies and are accessible online. The release of these documents provides transparency and insight into the company’s financial performance and strategic plans, potentially impacting investor decisions and stakeholder engagement.
International Personal Finance Plc has announced a change in its voting rights structure, with Aberdeen Group plc increasing its stake above the 5% threshold. This change, resulting from trading activities on March 14, 2025, reflects a shift in the company’s shareholder dynamics, potentially impacting its governance and strategic decisions.
International Personal Finance plc announced transactions involving two of its key managerial personnel. Gergely Mikola, Head of Corporate Affairs, exercised and sold 35,000 shares, while Botond Szirmák, General Manager of European Home Credit, exercised 107,750 options. These transactions, conducted on the London Stock Exchange, reflect the company’s ongoing engagement with its share-based compensation plans, potentially impacting stakeholder perceptions and market positioning.
International Personal Finance Plc has announced a change in its major holdings, with Artemis Investment Management LLP now holding 12.26776% of the voting rights, up from a previous position of 12.067835%. This change reflects an acquisition or disposal of voting rights, impacting the company’s shareholder structure and potentially influencing its strategic decisions. The notification indicates a slight increase in voting power, which may affect the company’s governance and decision-making processes.
International Personal Finance plc announced a transaction involving Florin Balcan, the Country Manager for Romania, who exercised options under the company’s Deferred Share Plan and Performance Share Plan. This transaction, conducted on the London Stock Exchange, reflects the company’s ongoing commitment to rewarding its management team, potentially impacting its operational dynamics and stakeholder interests.
International Personal Finance Plc has announced its decision to redeem in full its EUR 341,228,000 Senior Unsecured Notes due 2025, with the redemption set for 1 April 2025. This move will result in the cancellation and delisting of the Notes from the London Stock Exchange, impacting the company’s financial obligations and potentially influencing investor relations.
International Personal Finance plc announced a transaction involving Botond Szirmák, the General Manager of European Home Credit, who exercised 56,810 options under the company’s Deferred Share Plan. This transaction, conducted on the London Stock Exchange, reflects the company’s ongoing commitment to its share-based incentive programs, which aim to align management’s interests with those of shareholders.
Artemis Investment Management LLP has increased its voting rights in International Personal Finance Plc to 12.067835%, up from a previous position of 11.108257%. This change signifies a notable shift in shareholder influence, potentially impacting the company’s strategic decisions and stakeholder dynamics.
Artemis Investment Management LLP has increased its voting rights in International Personal Finance Plc to 10.73%, up from a previous position of 10.15%. This change in holdings, effective from March 7, 2025, reflects a strategic move by Artemis, potentially influencing the company’s governance and decision-making processes.
International Personal Finance plc has announced a change in its major holdings, with Artemis Investment Management LLP increasing its voting rights to 11.108250%. This acquisition marks a significant shift in the company’s shareholder structure, potentially impacting its strategic decisions and governance. The increase in voting rights reflects a growing interest and confidence in the company’s market position and future prospects.
International Personal Finance reported strong financial performance for 2024, with pre-exceptional profit before tax reaching £85.2 million, surpassing previous guidance. The company announced an 11.1% increase in the final dividend and plans for a further £15 million share buyback. Growth was driven by robust credit demand and operational execution, with significant achievements in Mexico and Hungary. The company’s strong balance sheet and funding position support future growth, and its Next Gen strategy is expected to accelerate growth in 2025, particularly in Poland and Mexico.
International Personal Finance Plc, a UK-based issuer, recently announced a change in their voting rights structure. Janus Henderson Group Plc has acquired or disposed of voting rights, resulting in a total holding of 6.473237%, which includes 4.948999% attached to shares and 1.524238% through financial instruments. This change in voting rights may impact the company’s governance and stakeholder dynamics.
International Personal Finance plc announced the retirement of Deborah Davis, Non-Executive Director and Chair of the Remuneration Committee, effective after the Annual General Meeting on 1 May 2025. The company is in the process of appointing a new Chair of the Remuneration Committee, ensuring a majority of independent Non-Executive Directors remains on the Board.
International Personal Finance plc has announced that Stuart Sinclair, currently Non-Executive Director and Chair of the Board and Nominations and Governance Committee, will take on the role of Chair at Vida Bank, a UK-based specialist mortgage provider. This appointment, pending regulatory approval, marks a significant move for Sinclair and potentially enhances the strategic relationship between IPF and Vida Bank, signaling possible shifts in corporate governance and strategic direction within the financial services industry.