International Personal Finance (IPFL)

149.00p
   
  • Change Today:
      0.100p
  • 52 Week High: 164.50
  • 52 Week Low: 99.40
  • Currency: UK Pounds
  • Shares Issued: 220.97m
  • Volume: 5,698
  • Market Cap: £329.25m

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
Revenue 726.30 767.80 645.50 548.70 661.30
Operating Profit/(Loss) 155.60 160.80 145.50 121.70 6.10
Profit Before Tax 85.20 83.90 77.40 67.70 (40.70)
Profit After Tax 60.90 48.00 56.80 41.90 (64.20)
           
Earnings per Share - Basic 24.90p 23.20p 25.60p 18.80p (28.90p)
Earnings per Share - Adjusted 27.30p 21.50p 20.80p 18.80p (24.00p)
           
Dividend per Share 11.40p 10.30p 9.20p 8.00p 4.60p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Assets          
Non-Current Assets          
Property, Plant & Equipment 31.70 37.70 36.60 31.50 32.90
Intangible Assets 59.70 55.90 52.10 48.10 54.60
Other Non-Current Assets 356.70 341.10 352.80 295.10 275.60
  448.10 434.70 441.50 374.70 363.10
Current Assets          
Inventories n/a n/a n/a n/a n/a
Cash at Bank & in Hand 27.60 42.50 50.70 41.70 116.30
Other Current Assets 18.70 6.20 6.10 2.30 2.00
  693.60 754.30 729.60 624.60 660.80
           
Other Assets n/a n/a n/a n/a n/a
Total Assets 1,141.70 1,189.00 1,171.10 999.30 1,023.90
Current Liabilities          
Borrowings 100.90 60.50 79.00 9.50 7.60
Other Current Liabilities 135.50 144.60 149.80 134.00 128.40
           
Current Liabilities 236.40 205.10 228.80 143.50 136.00
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Borrowings 434.90 474.90 491.20 480.80 503.60
Other Non-Current Liabilities n/a n/a n/a n/a n/a
Non-Current Liabilities 439.00 482.00 497.10 488.70 517.40
           
Other Liabilities n/a n/a n/a n/a n/a
Total Liabilities 675.40 687.10 725.90 632.20 653.40
           
Net Assets 466.30 501.90 445.20 367.10 370.50
           
Shareholders Funds 466.30 501.90 445.20 367.10 370.50
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 466.30 501.90 445.20 367.10 370.50
Cash Flow 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Net Cash Flow From Operating Activities 24.80 85.80 (0.90) (24.80) 283.60
Net Cash Flow from Investing Activities (24.10) (22.60) (23.50) (15.20) (15.10)
Net Cash Flow from Financing Activities (12.60) (72.70) 27.20 (32.20) (189.60)
Net Increase/Decrease In Cash (11.90) (9.50) 2.80 (72.20) 78.90
Ratios - based on IFRS 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
PE Ratio - Adjusted 4.8 5.6 3.4 6.9 n/a
PEG - Adjusted 0.2 1.9 0.3 n/a n/a
Earnings per Share Growth - Adjusted 27% 3% 11% n/a n/a
Dividend Cover 2.39 2.09 2.26 2.35 (5.22)
Revenue per Share 328.69p 347.47p 292.12p 2.51p 299.27p
Pre-Tax Profit per Share 38.56p 37.97p 35.03p 0.31p (18.42p)
Operating Margin 21.42% 20.94% 22.54% 22.18% 0.92%
Return on Capital Employed 16.44% 16.27% 15.01% 0.15% 0.73%
           
Dividend Yield 8.8% 8.6% 13.0% 6.2% 5.6%
Dividend per Share Growth 10.68% 11.96% 15.00% 73.91% (62.90%)
Operating Cash Flow per Share 11.22p 38.83p (0.41p) (11.22p) 128.34p
Cash Incr/Decr per Share (5.38p) (4.30p) 1.27p (0.33p) 35.71p
Net Asset Value per Share (exc. Intangibles) 184.01p 201.84p 177.90p 144.36p 142.96p
Net Gearing 108.99% 98.21% 116.69% 122.20% 106.59%

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 5 minutes.

Note 2: Forecast figures based on normalised accounts.

 

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