International Personal Finance plc (LON:IPF)
London · Delayed Price · Currency is GBP · Price in GBX 250.00
0.00 (0.00%)
Inactive · Last trade price on Aug 3, 2026
LON:IPF Financials Overview
Financials in millions GBP. Fiscal year is January - December.
Millions GBP. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 802.9 | 737.5 | 726.3 | 767.8 | 645.5 | 548.7 |
Revenue Growth | 8.87% | 1.54% | -5.41% | 18.95% | 17.64% | -17.03% |
Gross Profit Gross Profit Growth | 648.8 | 610.7 | 598.8 | 598.4 | 538.8 | 492.5 |
Operating Income Operating Income Growth | 163.9 | 159.9 | 155.6 | 160.8 | 145.5 | 121.7 |
Net Income Net Income Growth | 48.4 | 54.2 | 60.9 | 48 | 56.8 | 41.9 |
Earnings Per Share EPS Growth | 0.21 | 0.24 | 0.26 | 0.20 | 0.24 | 0.18 |
EPS Growth | -11.02% | -8.88% | 28.22% | -16.87% | 36.52% | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Provident Europe Provident Europe Growth | 365.6 | 339.7 | 328.2 | 375.9 | 317.5 | 284.7 |
Provident Mexico Provident Mexico Growth | 273.2 | 247.1 | 263.8 | 261.6 | 210.9 | 146 |
IPF Digital IPF Digital Growth | 164.1 | 150.7 | 134.3 | 130.3 | 117.1 | 118 |
Total Total Growth | 802.9 | 737.5 | 726.3 | 767.8 | 645.5 | 548.7 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 22.9 | 30.4 | 27.6 | 42.5 | 50.7 | 41.7 |
Total Debt Total Debt Growth | 731.1 | 640.3 | 535.8 | 535.4 | 570.2 | 490.3 |
Net Cash (Debt) Net Cash Growth | -708.2 | -609.9 | -508.2 | -492.9 | -519.5 | -448.6 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -3.08 | -2.65 | -2.16 | -2.08 | -2.22 | -1.91 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -41.7 | -4.5 | 24.8 | 85.8 | -0.9 | -24.8 |
Capital Expenditures CapEx Growth | -7.3 | -7.4 | -6.4 | -4.7 | -9.1 | -5.1 |
Free Cash Flow Free Cash Flow Growth | -49 | -11.9 | 18.4 | 81.1 | -10 | -29.9 |
Free Cash Flow Growth | - | - | -77.31% | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Gross Margin | 80.81% | 82.81% | 82.45% | 77.94% | 83.47% | 89.76% |
Operating Margin | 20.41% | 21.68% | 21.42% | 20.94% | 22.54% | 22.18% |
Pretax Margin | 9.74% | 11.57% | 10.09% | 10.93% | 11.99% | 12.34% |
Profit Margin | 6.03% | 7.35% | 8.38% | 6.25% | 8.80% | 7.64% |
FCF Margin | -6.10% | -1.61% | 2.53% | 10.56% | -1.55% | -5.45% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 5, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.128 | 0.128 | 0.114 | 0.103 | 0.092 | 0.080 |
Dividend Per Share Growth | 12.28% | 12.28% | 10.68% | 11.96% | 15.00% | - |
Dividend Yield | 5.13% | 5.67% | 9.86% | 10.63% | 16.92% | 9.07% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 5, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 11.91 | 9.47 | 4.64 | 5.55 | 2.86 | 6.81 |
Forward PE | 9.65 | 8.41 | 5.84 | 5.93 | 4.42 | 6.57 |
P/FCF Ratio | - | - | 15.35 | 3.29 | - | - |
PS Ratio | 0.73 | 0.70 | 0.39 | 0.35 | 0.25 | 0.52 |