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	Dec 1, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	503	342	307	183	340	202
Market Cap Growth	46.75%	11.21%	67.56%	-46.04%	68.15%	-52.39%
Enterprise Value	1,128	922	902	729	807	798
Last Close Price	2.34	1.45	1.15	0.60	1.06	0.65
PE Ratio	5.98	4.64	5.55	2.86	6.81	-
PS Ratio	0.61	0.39	0.35	0.25	0.52	0.27
PB Ratio	0.86	0.61	0.53	0.37	0.78	0.49
P/TBV Ratio	0.99	0.70	0.60	0.41	0.89	0.57
P/FCF Ratio	-	15.35	3.29	-	-	0.65
P/OCF Ratio	187.65	11.39	3.11	-	-	0.64
EV/Sales Ratio	1.41	1.05	1.02	1.00	1.24	1.08
EV/EBITDA Ratio	5.67	4.70	4.68	4.26	5.33	21.40
EV/EBIT Ratio	6.26	4.90	4.87	4.44	5.57	27.28
EV/FCF Ratio	-210.22	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
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 Capital (ROIC)	9.26%	9.54%	9.79%	9.71%	8.75%	1.63%
Return on Capital Employed (ROCE)	15.80%	17.20%	16.30%	15.40%	14.20%	3.00%
Earnings Yield	16.73%	21.56%	18.01%	34.93%	14.69%	-35.47%
FCF Yield	-1.07%	6.51%	30.43%	-6.15%	-10.48%	154.59%
Dividend Yield	5.79%	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	8.99%	10.46%	8.80%	17.90%	3.20%	6.20%

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