International Personal Finance plc (LON:IPF)
London flag London · Delayed Price · Currency is GBP · Price in GBX
140.80
+1.60 (1.15%)
Apr 28, 2025, 8:32 AM BST

LON:IPF Statistics

Total Valuation

LON:IPF has a market cap or net worth of GBP 303.24 million. The enterprise value is 811.44 million.

Market Cap 303.24M
Enterprise Value 811.44M

Important Dates

The next estimated earnings date is Wednesday, July 30, 2025.

Earnings Date Jul 30, 2025
Ex-Dividend Date Apr 10, 2025

Share Statistics

LON:IPF has 217.85 million shares outstanding. The number of shares has decreased by -0.93% in one year.

Current Share Class n/a
Shares Outstanding 217.85M
Shares Change (YoY) -0.93%
Shares Change (QoQ) -2.35%
Owned by Insiders (%) 7.51%
Owned by Institutions (%) 69.88%
Float 197.39M

Valuation Ratios

The trailing PE ratio is 5.37 and the forward PE ratio is 5.90.

PE Ratio 5.37
Forward PE 5.90
PS Ratio 0.42
PB Ratio 0.65
P/TBV Ratio 0.75
P/FCF Ratio 16.48
P/OCF Ratio 12.23
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.70, with an EV/FCF ratio of 44.10.

EV / Earnings 13.32
EV / Sales 1.12
EV / EBITDA 4.70
EV / EBIT 5.21
EV / FCF 44.10

Financial Position

The company has a current ratio of 2.93, with a Debt / Equity ratio of 1.15.

Current Ratio 2.93
Quick Ratio 2.88
Debt / Equity 1.15
Debt / EBITDA 3.11
Debt / FCF 29.12
Interest Coverage 2.21

Financial Efficiency

Return on equity (ROE) is 12.58% and return on invested capital (ROIC) is 9.54%.

Return on Equity (ROE) 12.58%
Return on Assets (ROA) 8.35%
Return on Invested Capital (ROIC) 9.54%
Return on Capital Employed (ROCE) 17.19%
Revenue Per Employee 86,972
Profits Per Employee 7,293
Employee Count 8,351
Asset Turnover 0.62
Inventory Turnover n/a

Taxes

Income Tax n/a
Effective Tax Rate n/a

Stock Price Statistics

The stock price has increased by +29.49% in the last 52 weeks. The beta is 0.93, so LON:IPF's price volatility has been similar to the market average.

Beta (5Y) 0.93
52-Week Price Change +29.49%
50-Day Moving Average 137.66
200-Day Moving Average 138.97
Relative Strength Index (RSI) 51.36
Average Volume (20 Days) 516,765

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, LON:IPF had revenue of GBP 726.30 million and earned 60.90 million in profits. Earnings per share was 0.26.

Revenue 726.30M
Gross Profit 598.80M
Operating Income 155.60M
Pretax Income 73.30M
Net Income 60.90M
EBITDA 162.40M
EBIT 155.60M
Earnings Per Share (EPS) 0.26
Full Income Statement

Balance Sheet

The company has 27.60 million in cash and 535.80 million in debt, giving a net cash position of -508.20 million or -2.33 per share.

Cash & Cash Equivalents 27.60M
Total Debt 535.80M
Net Cash -508.20M
Net Cash Per Share -2.33
Equity (Book Value) 466.30M
Book Value Per Share 2.16
Working Capital 457.20M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 24.80 million and capital expenditures -6.40 million, giving a free cash flow of 18.40 million.

Operating Cash Flow 24.80M
Capital Expenditures -6.40M
Free Cash Flow 18.40M
FCF Per Share 0.08
Full Cash Flow Statement

Margins

Gross margin is 82.45%, with operating and profit margins of 21.42% and 8.38%.

Gross Margin 82.45%
Operating Margin 21.42%
Pretax Margin 10.09%
Profit Margin 8.38%
EBITDA Margin 22.36%
EBIT Margin 21.42%
FCF Margin 2.53%

Dividends & Yields

This stock pays an annual dividend of 0.11, which amounts to a dividend yield of 8.19%.

Dividend Per Share 0.11
Dividend Yield 8.19%
Dividend Growth (YoY) 10.68%
Years of Dividend Growth 3
Payout Ratio 39.24%
Buyback Yield 0.93%
Shareholder Yield 9.12%
Earnings Yield 20.08%
FCF Yield 6.07%
Dividend Details

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

LON:IPF has an Altman Z-Score of 2.45. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.45
Piotroski F-Score n/a