International Personal Finance plc (LON:IPF)
London flag London · Delayed Price · Currency is GBP · Price in GBX
243.00
+2.50 (1.04%)
At close: Mar 6, 2026

LON:IPF Statistics

Total Valuation

LON:IPF has a market cap or net worth of GBP 533.07 million. The enterprise value is 1.14 billion.

Market Cap533.07M
Enterprise Value 1.14B

Important Dates

The last earnings date was Wednesday, February 25, 2026.

Earnings Date Feb 25, 2026
Ex-Dividend Date Mar 26, 2026

Share Statistics

LON:IPF has 219.37 million shares outstanding. The number of shares has decreased by -2.30% in one year.

Current Share Class 219.37M
Shares Outstanding 219.37M
Shares Change (YoY) -2.30%
Shares Change (QoQ) -0.17%
Owned by Insiders (%) 13.64%
Owned by Institutions (%) 105.25%
Float 170.12M

Valuation Ratios

The trailing PE ratio is 10.30 and the forward PE ratio is 8.47.

PE Ratio 10.30
Forward PE 8.47
PS Ratio 0.72
PB Ratio 0.98
P/TBV Ratio 1.14
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.50, with an EV/FCF ratio of -96.05.

EV / Earnings 21.09
EV / Sales 1.55
EV / EBITDA 6.50
EV / EBIT 7.15
EV / FCF -96.05

Financial Position

The company has a current ratio of 3.83, with a Debt / Equity ratio of 1.17.

Current Ratio 3.83
Quick Ratio 3.82
Debt / Equity 1.17
Debt / EBITDA 3.64
Debt / FCF -53.81
Interest Coverage 2.24

Financial Efficiency

Return on equity (ROE) is 10.71% and return on invested capital (ROIC) is 8.79%.

Return on Equity (ROE) 10.71%
Return on Assets (ROA) 8.06%
Return on Invested Capital (ROIC) 8.79%
Return on Capital Employed (ROCE) 14.24%
Weighted Average Cost of Capital (WACC) 7.04%
Revenue Per Employee 88,313
Profits Per Employee 6,490
Employee Count8,351
Asset Turnover 0.60
Inventory Turnover n/a

Taxes

In the past 12 months, LON:IPF has paid 31.10 million in taxes.

Income Tax 31.10M
Effective Tax Rate 36.46%

Stock Price Statistics

The stock price has increased by +85.00% in the last 52 weeks. The beta is 0.50, so LON:IPF's price volatility has been lower than the market average.

Beta (5Y) 0.50
52-Week Price Change +85.00%
50-Day Moving Average 236.54
200-Day Moving Average 205.75
Relative Strength Index (RSI) 52.58
Average Volume (20 Days) 2,602,868

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 737.50 million and earned 54.20 million in profits. Earnings per share was 0.24.

Revenue737.50M
Gross Profit 610.70M
Operating Income 159.90M
Pretax Income 85.30M
Net Income 54.20M
EBITDA 166.00M
EBIT 159.90M
Earnings Per Share (EPS) 0.24
Full Income Statement

Balance Sheet

The company has 30.40 million in cash and 640.30 million in debt, with a net cash position of -609.90 million or -2.78 per share.

Cash & Cash Equivalents 30.40M
Total Debt 640.30M
Net Cash -609.90M
Net Cash Per Share -2.78
Equity (Book Value) 546.00M
Book Value Per Share 2.49
Working Capital 606.30M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -4.50 million and capital expenditures -7.40 million, giving a free cash flow of -11.90 million.

Operating Cash Flow -4.50M
Capital Expenditures -7.40M
Free Cash Flow -11.90M
FCF Per Share -0.05
Full Cash Flow Statement

Margins

Gross margin is 82.81%, with operating and profit margins of 21.68% and 7.35%.

Gross Margin 82.81%
Operating Margin 21.68%
Pretax Margin 11.57%
Profit Margin 7.35%
EBITDA Margin 22.51%
EBIT Margin 21.68%
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of 0.13, which amounts to a dividend yield of 5.32%.

Dividend Per Share 0.13
Dividend Yield 5.32%
Dividend Growth (YoY) 12.28%
Years of Dividend Growth 4
Payout Ratio 47.60%
Buyback Yield 2.30%
Shareholder Yield 7.56%
Earnings Yield 10.17%
FCF Yield -2.23%
Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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 2.34 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.34
Piotroski F-Score 4