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 Cash Flow Statement
Financials in millions GBP. Fiscal year is January - December.
Millions GBP. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 48.4 | 54.2 | 60.9 | 48 | 56.8 | 41.9 |
Depreciation & Amortization | 16.5 | 16 | 16.9 | 16.2 | 14.7 | 14 |
Other Amortization | 15.6 | 12.8 | 12.4 | 13.1 | 12.6 | 14.7 |
Loss (Gain) From Sale of Assets | -0.1 | - | - | 0.1 | -0.1 | 0.4 |
Asset Writedown & Restructuring Costs | - | - | - | 0.2 | - | - |
Stock-Based Compensation | 1.4 | 2.1 | 1.7 | 2.7 | 2.2 | -0.2 |
Other Operating Activities | 28.1 | 29.5 | -5.1 | 6.9 | 30.2 | -18.1 |
Change in Accounts Receivable | -161.2 | -127.3 | -58.8 | -3.8 | -115.7 | -88.4 |
Change in Accounts Payable | 6.4 | -0.7 | 7.6 | 4.8 | -3.8 | 26.7 |
Change in Other Net Operating Assets | 3.2 | 8.9 | -10.8 | -2.4 | 2.2 | -15.8 |
Operating Cash Flow | -41.7 | -4.5 | 24.8 | 85.8 | -0.9 | -24.8 |
Operating Cash Flow Growth | - | - | -71.10% | - | - | - |
Investing Activities
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 |
Capital Expenditures | -7.3 | -7.4 | -6.4 | -4.7 | -9.1 | -5.1 |
Sale of Property, Plant & Equipment | - | - | 0.1 | - | 0.3 | 0.2 |
Cash Acquisitions | -5.2 | - | - | - | - | - |
Sale (Purchase) of Intangibles | -31.6 | -27.8 | -17.8 | -17.9 | -14.7 | -10.3 |
Investing Cash Flow | -44.1 | -35.2 | -24.1 | -22.6 | -23.5 | -15.2 |
Financing Activities
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 |
Long-Term Debt Issued | - | 140 | 313.2 | 48.1 | 99.3 | 49.4 |
Long-Term Debt Repaid | - | -74 | -285.7 | -99.3 | -52.8 | -72.8 |
Net Debt Issued (Repaid) | 96.5 | 66 | 27.5 | -51.2 | 46.5 | -23.4 |
Issuance of Common Stock | 0.5 | 0.5 | 0.2 | 0.4 | - | - |
Repurchase of Common Stock | - | - | -16.4 | -0.4 | -0.4 | -3.9 |
Common Dividends Paid | -28.1 | -25.8 | -23.9 | -21.5 | -18.9 | -4.9 |
Financing Cash Flow | 68.9 | 40.7 | -12.6 | -72.7 | 27.2 | -32.2 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | 1.8 | 1.8 | -3 | 1.3 | 6.2 | -2.4 |
Net Cash Flow | -15.1 | 2.8 | -14.9 | -8.2 | 9 | -74.6 |
Free Cash Flow
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 |
Free Cash Flow | -49 | -11.9 | 18.4 | 81.1 | -10 | -29.9 |
Free Cash Flow Growth | - | - | -77.31% | - | - | - |
Free Cash Flow Margin | -6.10% | -1.61% | 2.53% | 10.56% | -1.55% | -5.45% |
Free Cash Flow Per Share | -0.21 | -0.05 | 0.08 | 0.34 | -0.04 | -0.13 |
Levered Free Cash Flow | -74.89 | -61.63 | 96.75 | 23.74 | -26.13 | 22.61 |
Unlevered Free Cash Flow | -26.26 | -17.06 | 140.75 | 71.8 | 16.44 | 56.36 |
Additional Metrics
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 |
Cash Interest Paid | 71.8 | 69.7 | 72.3 | 74.5 | 65.2 | 52.7 |
Cash Income Tax Paid | 26 | 21.8 | 18.3 | 33.1 | -5.5 | 46.4 |
Change in Working Capital | -151.6 | -119.1 | -62 | -1.4 | -117.3 | -77.5 |