International Personal Finance plc (LON:IPF)
London flag 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 Statistics

Total Valuation

LON:IPF has a market cap or net worth of GBP 589.20 million. The enterprise value is 1.30 billion.

Market Cap589.20M
Enterprise Value 1.30B

Important Dates

The last earnings date was Wednesday, July 29, 2026.

Earnings Date Jul 29, 2026
Ex-Dividend Date Mar 26, 2026

Share Statistics

LON:IPF has 235.68 million shares outstanding. The number of shares has decreased by -0.50% in one year.

Current Share Class 235.68M
Shares Outstanding 235.68M
Shares Change (YoY) -0.50%
Shares Change (QoQ) +0.39%
Owned by Insiders (%) 13.85%
Owned by Institutions (%) 85.64%
Float 174.62M

Valuation Ratios

The trailing PE ratio is 11.91 and the forward PE ratio is 9.65.

PE Ratio 11.91
Forward PE 9.65
PS Ratio 0.73
PB Ratio 1.05
P/TBV Ratio 1.23
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 26.81
EV / Sales 1.62
EV / EBITDA 6.62
EV / EBIT 7.92
EV / FCF n/a

Financial Position

The company has a current ratio of 3.64, with a Debt / Equity ratio of 1.30.

Current Ratio 3.64
Quick Ratio 3.63
Debt / Equity 1.30
Debt / EBITDA 3.73
Debt / FCF -14.92
Interest Coverage 2.11

Financial Efficiency

Return on equity (ROE) is 9.11% and return on invested capital (ROIC) is 7.99%.

Return on Equity (ROE) 9.11%
Return on Assets (ROA) 7.65%
Return on Invested Capital (ROIC) 7.99%
Return on Capital Employed (ROCE) 13.55%
Weighted Average Cost of Capital (WACC) 6.55%
Revenue Per Employee 98,238
Profits Per Employee 5,922
Employee Count8,173
Asset Turnover 0.60
Inventory Turnover n/a

Taxes

In the past 12 months, LON:IPF has paid 29.80 million in taxes.

Income Tax 29.80M
Effective Tax Rate 38.11%

Stock Price Statistics

The stock price has increased by +17.93% in the last 52 weeks. The beta is 0.41, so LON:IPF's price volatility has been lower than the market average.

Beta (5Y) 0.41
52-Week Price Change +17.93%
50-Day Moving Average 248.28
200-Day Moving Average 235.70
Relative Strength Index (RSI) 62.92
Average Volume (20 Days) 451,888

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 802.90 million and earned 48.40 million in profits. Earnings per share was 0.21.

Revenue802.90M
Gross Profit 648.80M
Operating Income 163.90M
Pretax Income 78.20M
Net Income 48.40M
EBITDA 196.00M
EBIT 163.90M
Earnings Per Share (EPS) 0.21
Full Income Statement

Balance Sheet

The company has 22.90 million in cash and 731.10 million in debt, with a net cash position of -708.20 million or -3.00 per share.

Cash & Cash Equivalents 22.90M
Total Debt 731.10M
Net Cash -708.20M
Net Cash Per Share -3.00
Equity (Book Value) 561.10M
Book Value Per Share 2.55
Working Capital 638.30M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -41.70 million and capital expenditures -7.30 million, giving a free cash flow of -49.00 million.

Operating Cash Flow -41.70M
Capital Expenditures -7.30M
Depreciation & Amortization 6.30M
Net Borrowing 96.50M
Free Cash Flow -49.00M
FCF Per Share -0.21
Full Cash Flow Statement

Margins

Gross margin is 80.81%, with operating and profit margins of 20.41% and 6.03%.

Gross Margin 80.81%
Operating Margin 20.41%
Pretax Margin 9.74%
Profit Margin 6.03%
EBITDA Margin 24.41%
EBIT Margin 20.41%
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of 0.13, which amounts to a dividend yield of 5.13%.

Dividend Per Share 0.13
Dividend Yield 5.13%
Dividend Growth (YoY) 12.28%
Years of Dividend Growth 4
Payout Ratio 58.06%
Buyback Yield 0.50%
Shareholder Yield 5.63%
Earnings Yield 8.21%
FCF Yield -8.32%
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 2.3 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.3
Piotroski F-Score 4