International Personal Finance plc (FRA:3I8)

FRA:3I8 Statistics

Total Valuation

FRA:3I8 has a market cap or net worth of EUR 503.49 million. The enterprise value is 1.13 billion.

Market Cap	503.49M
Enterprise Value	1.13B

Important Dates

The next estimated earnings date is Wednesday, February 25, 2026.

Earnings Date	Feb 25, 2026
Ex-Dividend Date	Aug 28, 2025

Share Statistics

Current Share Class	219.12M
Shares Outstanding	n/a
Shares Change (YoY)	-3.20%
Shares Change (QoQ)	-1.03%
Owned by Insiders (%)	14.28%
Owned by Institutions (%)	84.42%
Float	183.51M

Valuation Ratios

The trailing PE ratio is 5.98 and the forward PE ratio is 8.14.

PE Ratio	5.98
Forward PE	8.14
PS Ratio	0.61
PB Ratio	0.86
P/TBV Ratio	0.99
P/FCF Ratio	n/a
P/OCF Ratio	187.65
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.67, with an EV/FCF ratio of -210.22.

EV / Earnings	13.39
EV / Sales	1.41
EV / EBITDA	5.67
EV / EBIT	6.26
EV / FCF	-210.22

Financial Position

The company has a current ratio of 3.33, with a Debt / Equity ratio of 1.17.

Current Ratio	3.33
Quick Ratio	3.32
Debt / Equity	1.17
Debt / EBITDA	3.36
Debt / FCF	-127.63
Interest Coverage	2.25

Financial Efficiency

Return on equity (ROE) is 14.70% and return on invested capital (ROIC) is 9.27%.

Return on Equity (ROE)	14.70%
Return on Assets (ROA)	8.17%
Return on Invested Capital (ROIC)	9.27%
Return on Capital Employed (ROCE)	15.82%
Revenue Per Employee	98,122
Profits Per Employee	10,086
Employee Count	8,351
Asset Turnover	0.58
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:3I8 has paid 16.92 million in taxes.

Income Tax	16.92M
Effective Tax Rate	16.72%

Stock Price Statistics

The stock price has increased by +52.26% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+52.26%
50-Day Moving Average	2.37
200-Day Moving Average	2.05
Relative Strength Index (RSI)	55.29
Average Volume (20 Days)	125

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:3I8 had revenue of EUR 819.42 million and earned 84.23 million in profits. Earnings per share was 0.36.

Revenue	819.42M
Gross Profit	691.68M
Operating Income	184.67M
Pretax Income	101.14M
Net Income	84.23M
EBITDA	192.37M
EBIT	184.67M
Earnings Per Share (EPS)	0.36

Balance Sheet

The company has 44.33 million in cash and 684.91 million in debt, giving a net cash position of -640.58 million.

Cash & Cash Equivalents	44.33M
Total Debt	684.91M
Net Cash	-640.58M
Net Cash Per Share	n/a
Equity (Book Value)	585.17M
Book Value Per Share	2.69
Working Capital	612.46M

Cash Flow

In the last 12 months, operating cash flow was 2.68 million and capital expenditures -8.05 million, giving a free cash flow of -5.37 million.

Operating Cash Flow	2.68M
Capital Expenditures	-8.05M
Free Cash Flow	-5.37M
FCF Per Share	n/a

Margins

Gross margin is 84.41%, with operating and profit margins of 22.54% and 10.28%.

Gross Margin	84.41%
Operating Margin	22.54%
Pretax Margin	12.34%
Profit Margin	10.28%
EBITDA Margin	23.48%
EBIT Margin	22.54%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.14, which amounts to a dividend yield of 5.79%.

Dividend Per Share	0.14
Dividend Yield	5.79%
Dividend Growth (YoY)	9.83%
Years of Dividend Growth	3
Payout Ratio	34.90%
Buyback Yield	3.20%
Shareholder Yield	8.99%
Earnings Yield	16.73%
FCF Yield	-1.07%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

FRA:3I8 has an Altman Z-Score of 2.37 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.37
Piotroski F-Score	5