International Personal Finance plc (LON:IPF)

LON:IPF Income Statement

Financials in millions GBP. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Revenue	726.3	767.8	645.5	548.7	661.3
Revenue Growth (YoY)	-5.41%	18.95%	17.64%	-17.03%	-25.62%
Cost of Revenue	127.5	169.4	106.7	56.2	247.6
Gross Profit	598.8	598.4	538.8	492.5	413.7
Selling, General & Admin	308.1	308.9	271.8	259.4	278.8
Other Operating Expenses	135.1	128.7	121.5	111.4	108.7
Operating Expenses	443.2	437.6	393.3	370.8	387.5
Operating Income	155.6	160.8	145.5	121.7	26.2
Interest Expense	-70.4	-76.9	-68.1	-54	-56.7
Interest & Investment Income	-	-	-	-	1.7
EBT Excluding Unusual Items	85.2	83.9	77.4	67.7	-28.8
Merger & Restructuring Charges	-6.1	-	-	-	-20.1
Other Unusual Items	-5.8	-	-	-	8.2
Pretax Income	73.3	83.9	77.4	67.7	-40.7
Income Tax Expense	12.4	35.9	20.6	25.8	23.5
Earnings From Continuing Operations	60.9	48	56.8	41.9	-64.2
Net Income	60.9	48	56.8	41.9	-64.2
Net Income to Common	60.9	48	56.8	41.9	-64.2
Net Income Growth	26.88%	-15.49%	35.56%	-	-
Shares Outstanding (Basic)	223	224	222	223	222
Shares Outstanding (Diluted)	235	238	234	235	222
Shares Change (YoY)	-0.93%	1.50%	-0.55%	5.80%	-6.20%
EPS (Basic)	0.27	0.21	0.26	0.19	-0.29
EPS (Diluted)	0.26	0.20	0.24	0.18	-0.29
EPS Growth	28.22%	-16.87%	36.52%	-	-
Free Cash Flow	18.4	81.1	-10	-29.9	279.8
Free Cash Flow Per Share	0.08	0.34	-0.04	-0.13	1.26
Dividend Per Share	0.114	0.103	0.092	0.080	-
Dividend Growth	10.68%	11.96%	15.00%	-	-
Gross Margin	82.45%	77.94%	83.47%	89.76%	62.56%
Operating Margin	21.42%	20.94%	22.54%	22.18%	3.96%
Profit Margin	8.38%	6.25%	8.80%	7.64%	-9.71%
Free Cash Flow Margin	2.53%	10.56%	-1.55%	-5.45%	42.31%
EBITDA	162.4	167.3	151.7	127.3	33.4
EBITDA Margin	22.36%	21.79%	23.50%	23.20%	5.05%
D&A For EBITDA	6.8	6.5	6.2	5.6	7.2
EBIT	155.6	160.8	145.5	121.7	26.2
EBIT Margin	21.42%	20.94%	22.54%	22.18%	3.96%
Effective Tax Rate	16.92%	42.79%	26.61%	38.11%	-

Updated Mar 20, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.