International Personal Finance plc (FRA:3I8)

FRA:3I8 Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb 19, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	595	342	307	183	340	202
Market Cap Growth	76.76%	11.21%	67.56%	-46.04%	68.15%	-52.39%
Enterprise Value	1,224	922	902	729	807	798
Last Close Price	2.72	1.45	1.15	0.60	1.06	0.65
PE Ratio	7.07	4.64	5.55	2.86	6.81	-
PS Ratio	0.73	0.39	0.35	0.25	0.52	0.27
PB Ratio	1.02	0.61	0.53	0.37	0.78	0.49
P/TBV Ratio	1.17	0.70	0.60	0.41	0.89	0.57
P/FCF Ratio	-	15.35	3.29	-	-	0.65
P/OCF Ratio	221.90	11.39	3.11	-	-	0.64
EV/Sales Ratio	1.52	1.05	1.02	1.00	1.24	1.08
EV/EBITDA Ratio	6.12	4.70	4.68	4.26	5.33	21.40
EV/EBIT Ratio	6.75	4.90	4.87	4.44	5.57	27.28
EV/FCF Ratio	-228.13	41.44	9.65	-	-	2.55
Debt / Equity Ratio	1.17	1.15	1.07	1.28	1.34	1.38
Debt / EBITDA Ratio	3.36	3.11	3.02	3.56	3.61	11.81
Debt / FCF Ratio	-	29.12	6.60	-	-	1.83
Net Debt / Equity Ratio	1.10	1.09	0.98	1.17	1.22	1.07
Net Debt / EBITDA Ratio	3.33	3.13	2.95	3.43	3.52	11.82
Net Debt / FCF Ratio	-119.37	27.62	6.08	-51.95	-15.00	1.41
Asset Turnover	0.58	0.62	0.65	0.60	0.54	0.56
Quick Ratio	3.32	2.88	3.62	3.13	4.30	4.80
Current Ratio	3.33	2.93	3.68	3.19	4.35	4.86
Return on Equity (ROE)	14.70%	12.58%	10.14%	13.98%	11.36%	-15.91%
Return on Assets (ROA)	8.17%	8.34%	8.52%	8.38%	7.52%	1.40%
Return on Invested Capital (ROIC)	12.55%	13.13%	9.39%	12.00%	9.53%	2.82%
Return on Capital Employed (ROCE)	15.80%	17.20%	16.30%	15.40%	14.20%	3.00%
Earnings Yield	14.15%	21.56%	18.01%	34.93%	14.69%	-35.47%
FCF Yield	-0.90%	6.51%	30.43%	-6.15%	-10.48%	154.59%
Dividend Yield	5.02%	9.53%	10.30%	17.34%	9.00%	-
Payout Ratio	34.90%	39.25%	44.79%	33.27%	11.70%	-
Buyback Yield / Dilution	3.20%	0.93%	-1.50%	0.55%	-5.80%	6.20%
Total Shareholder Return	8.23%	10.46%	8.80%	17.90%	3.20%	6.20%

Source: S&P Global Market Intelligence. Standard template. Financial Sources.