International Personal Finance (IPF)

Sector:

Financials

Index:

FTSE Small Cap

111.00p
   
  • Change Today:
      1.50p
  • 52 Week High: 131.00
  • 52 Week Low: 100.50
  • Currency: UK Pounds
  • Shares Issued: 226.68m
  • Volume: 1,542,293
  • Market Cap: £251.61m
  • RiskGrade: 268

Income Statement - Unadjusted

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
31-Dec-14 31-Dec-13 31-Dec-12 31-Dec-11 31-Dec-10
Continuing Operations          
Revenue 783.20 746.80 651.70 649.50 608.70
           
EBITDA 376.80 388.80 319.80 325.90 138.60
Depreciation & Amortisation (231.30) (209.30) (187.90) (182.50) (16.50)
           
Operating Profit/(Loss) 145.50 179.50 131.90 143.40 122.10
Interest Payable (45.30) (49.00) (41.60) (42.90) (33.90)
Interest Receivable/Investment Income n/a n/a n/a n/a n/a
           
Group Profit after Interest 100.20 130.50 90.30 100.50 88.20
Share of Assoc Cos/JV Profits n/a n/a n/a n/a n/a
           
Profit Before Tax 100.20 130.50 90.30 100.50 88.20
Tax (28.40) (34.90) (16.20) (24.00) (29.00)
           
Profit After Tax 71.80 95.60 74.10 76.50 59.20
           
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
           
PROFIT FOR THE PERIOD 71.80 95.60 74.10 76.50 59.20
           
Attributable to:          
Equity Shareholders' Earnings 71.80 95.60 74.10 76.50 59.20
Minority interests n/a n/a n/a n/a n/a
           
Equity Dividends cn/a cn/a cn/a cn/a cn/a
Retained Profit/(Loss) for the Financial Year cn/a cn/a cn/a cn/a cn/a


Per Share Record - Unadjusted 31-Dec-14 31-Dec-13 31-Dec-12 31-Dec-11 31-Dec-10
Continuing EPS          
Earnings per Share - Basic 30.20p 39.20p 29.42p 30.17p 23.34p
Earnings per Share - Diluted 29.40p 38.10p 28.63p 29.57p 23.09p
Continuing and Discontinued EPS          
Earnings per Share - Basic 30.20p 39.20p 29.42p 30.17p 23.34p
Earnings per Share - Diluted 29.40p 38.10p 28.63p 29.57p 23.09p
           
Dividend per Share 12.00p 9.30p 7.74p 7.10p 6.27p


Key Financals 31-Dec-14 31-Dec-13 31-Dec-12 31-Dec-11 31-Dec-10
Shares in Issue (millions)          
Shares in Issue - Year End 230.83 237.46 n/a 257.22 257.22
Weighted Average 237.60 244.00 251.90 253.60 253.60
Diluted 244.40 251.10 258.80 258.70 256.40
           
Performance Ratios          
Continuing Operations          
Operating Margin 18.58% 24.04% 20.24% 22.08% 20.06%
Tax Rate 28.34% 26.74% 17.94% 23.88% 32.88%
Return on Capital Employed 20.34% 22.65% 19.30% 23.88% 21.25%
Continuing Operations & Discontinued Operations          
Return on Equity (ROE) 19.86% 24.27% 19.72% 23.34% 19.16%
           
Financial Status          
Continuing Operations          
Interest Cover 3.21 3.66 3.17 3.34 3.60
Revenue per Share 329.63p 306.07p 258.71p 256.11p 240.02p
Pre-Tax Profit per Share 42.17p 53.48p 35.85p 39.63p 34.78p
           
Market Data          
Continuing Operations          
Earnings per Share Growth - Basic -23% 33% -2% 29% 31%
Earnings per Share Growth - Adjusted 7% 29% -4% 16% 38%
Earnings per Share Growth - Diluted -23% 33% -3% 28% 31%
PE Ratio - Adjusted 11.8 14.0 13.5 6.0 15.6
PEG - Adjusted 1.7 0.5 n/a 0.4 0.4
Dividend Cover 3.17 3.82 3.56 4.02 3.92
Continuing Operations & Discontinued Operations          
Earnings per Share Growth - Basic -23% 33% -2% 29% 83%
Earnings per Share Growth - Adjusted 7% 29% -4% 16% 92%
Earnings per Share Growth - Diluted -23% 33% -3% 28% 82%
PE Ratio - Adjusted 11.8 14.0 13.5 6.0 15.6
PEG - Adjusted 1.7 0.5 n/a 0.4 0.2
Dividend Cover 3.17 3.82 3.56 4.02 3.92
           
Market Capitalisation £ (Millions) 1,037.82 1,182.54 n/a 441.13 987.72
Dividend per Share 12.00p 9.30p 7.74p 7.10p 6.27p
Dividend Yield 2.7% 1.9% 2.1% 4.1% 1.6%
Dividend per Share Growth 29.03% 20.16% 9.01% 13.24% 10.00%

Key

* GAAP

a. Includes discontinued activities

b. Includes preference dividends

c. Not disclosed under IFRS

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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