LON: IPF Statistics

Total Valuation

International Personal Finance has a market cap or net worth of GBP 273.62 million. The enterprise value is 753.62 million.

Market Cap	273.62M
Enterprise Value	753.62M

Important Dates

The next estimated earnings date is Wednesday, February 26, 2025.

Earnings Date	Feb 26, 2025
Ex-Dividend Date	Aug 29, 2024

Share Statistics

International Personal Finance has 217.16 million shares outstanding. The number of shares has increased by 1.77% in one year.

Current Share Class	n/a
Shares Outstanding	217.16M
Shares Change (YoY)	+1.77%
Shares Change (QoQ)	-0.71%
Owned by Insiders (%)	7.49%
Owned by Institutions (%)	73.36%
Float	199.54M

Valuation Ratios

The trailing PE ratio is 6.15 and the forward PE ratio is 6.11.

PE Ratio	6.15
Forward PE	6.11
PS Ratio	0.37
PB Ratio	0.59
P/TBV Ratio	0.65
P/FCF Ratio	3.94
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.10, with an EV/FCF ratio of 10.86.

EV / Earnings	15.38
EV / Sales	0.99
EV / EBITDA	4.10
EV / EBIT	4.51
EV / FCF	10.86

Financial Position

The company has a current ratio of 3.58, with a Debt / Equity ratio of 1.18.

Current Ratio	3.58
Quick Ratio	3.55
Debt / Equity	1.18
Debt / EBITDA	3.09
Debt / FCF	8.16
Interest Coverage	2.27

Financial Efficiency

Return on equity (ROE) is 10.39% and return on invested capital (ROIC) is 10.17%.

Return on Equity (ROE)	10.39%
Return on Assets (ROA)	8.81%
Return on Capital (ROIC)	10.17%
Revenue Per Employee	91,738
Profits Per Employee	5,919
Employee Count	8,279
Asset Turnover	0.64
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +3.70% in the last 52 weeks. The beta is 1.33, so International Personal Finance's price volatility has been higher than the market average.

Beta (5Y)	1.33
52-Week Price Change	+3.70%
50-Day Moving Average	133.60
200-Day Moving Average	130.75
Relative Strength Index (RSI)	31.10
Average Volume (20 Days)	276,792

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, International Personal Finance had revenue of GBP 759.50 million and earned 49.00 million in profits. Earnings per share was 0.20.

Revenue	759.50M
Gross Profit	615.00M
Operating Income	167.10M
Pretax Income	82.60M
Net Income	49.00M
EBITDA	173.60M
EBIT	167.10M
Earnings Per Share (EPS)	0.20

Full Income Statement

Balance Sheet

The company has 86.50 million in cash and 566.50 million in debt, giving a net cash position of -480.00 million or -2.21 per share.

Cash & Cash Equivalents	86.50M
Total Debt	566.50M
Net Cash	-480.00M
Net Cash Per Share	-2.21
Equity (Book Value)	480.40M
Book Value Per Share	2.14
Working Capital	530.80M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 74.20 million and capital expenditures -4.80 million, giving a free cash flow of 69.40 million.

Operating Cash Flow	74.20M
Capital Expenditures	-4.80M
Free Cash Flow	69.40M
FCF Per Share	0.32

Full Cash Flow Statement

Margins

Gross margin is 80.97%, with operating and profit margins of 22.00% and 6.45%.

Gross Margin	80.97%
Operating Margin	22.00%
Pretax Margin	10.88%
Profit Margin	6.45%
EBITDA Margin	22.86%
EBIT Margin	22.00%
FCF Margin	9.14%

Dividends & Yields

This stock pays an annual dividend of 0.11, which amounts to a dividend yield of 8.41%.

Dividend Per Share	0.11
Dividend Yield	8.41%
Dividend Growth (YoY)	10.42%
Years of Dividend Growth	2
Payout Ratio	47.14%
Buyback Yield	-1.77%
Shareholder Yield	6.65%
Earnings Yield	n/a
FCF Yield	n/a

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

International Personal Finance has an Altman Z-Score of 2.43. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.43
Piotroski F-Score	n/a