International Personal Finance (IPF)

Sector:

Financials

Index:

FTSE Small Cap

106.00p
   
  • Change Today:
      0.50p
  • 52 Week High: 131.00
  • 52 Week Low: 96.80
  • Currency: UK Pounds
  • Shares Issued: 224.71m
  • Volume: 93,543
  • Market Cap: £238.20m
  • RiskGrade: 268

Dividend Data

  31-Dec-2331-Dec-2231-Dec-2131-Dec-2031-Dec-19
Interim Dividend3.10p2.70p2.20pn/a4.60p
Final Dividend7.20p6.50p5.80pn/an/a
Total Dividend10.30p9.20p8.00pn/a4.60p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
Revenue 767.80 645.50 548.70 661.30 889.10
Operating Profit/(Loss) 160.80 145.50 121.70 6.10 177.50
Net Interest (76.90) (68.10) (54.00) (46.80) (63.50)
Profit Before Tax 83.90 77.40 67.70 (40.70) 114.00
Profit After Tax 48.00 56.80 41.90 (64.20) 71.80
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 48.00 56.80 41.90 (64.20) 71.80
Attributable to:          
Equity Holders of Parent Company 48.00 56.80 41.90 (64.20) 71.80
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 21.50p 25.60p 18.80p (28.90p) 32.20p
Earnings per Share - Diluted 20.20p 24.30p 17.80p (27.40p) 30.30p
Earnings per Share - Adjusted 23.20p 20.80p 18.80p (24.00p) 32.20p
Continuing and Discontinued EPS          
Earnings per Share - Basic 21.50p 25.60p 18.80p (28.90p) 32.20p
Earnings per Share - Diluted 20.20p 24.30p 17.80p (27.40p) 30.30p
Earnings per Share - Adjusted 23.20p 20.80p 18.80p (24.00p) 32.20p
           
Dividend per Share 10.30p 9.20p 8.00p 4.60p 12.40p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Assets          
Non-Current Assets          
Property, Plant & Equipment 37.70 36.60 31.50 32.90 38.80
Intangible Assets 55.90 52.10 48.10 54.60 66.30
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a n/a
Other Financial Assets n/a n/a n/a n/a n/a
Other Non-Current Assets 341.10 352.80 295.10 275.60 434.60
  434.70 441.50 374.70 363.10 539.70
Current Assets          
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables 705.60 672.80 580.60 542.50 745.20
Cash at Bank & in Hand 42.50 50.70 41.70 116.30 37.40
Current Asset Investments n/a n/a n/a n/a n/a
Other Current Assets 6.20 6.10 2.30 2.00 0.40
  754.30 729.60 624.60 660.80 783.00
           
Other Assets n/a n/a n/a n/a n/a
Total Assets 1,189.00 1,171.10 999.30 1,023.90 1,322.70
           
Liabilities          
Current Liabilities          
Borrowings 60.50 79.00 9.50 7.60 121.40
Other Current Liabilities 144.60 149.80 134.00 128.40 170.40
  205.10 228.80 143.50 136.00 291.80
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Non-Current Liabilities          
Borrowings 474.90 491.20 480.80 503.60 574.50
Provisions 7.10 5.90 7.90 13.80 20.00
Other Non-Current Liabilities n/a n/a n/a n/a n/a
  482.00 497.10 488.70 517.40 594.50
           
Other Liabilities n/a n/a n/a n/a n/a
Total Liabilities 687.10 725.90 632.20 653.40 886.30
           
Net Assets 501.90 445.20 367.10 370.50 436.40
           
Capital & Reserves          
Share Capital 23.40 23.40 23.40 23.40 23.40
Share Premium Account n/a n/a n/a n/a n/a
Other Reserves (24.70) (54.20) (97.80) (59.50) (57.30)
Retained Earnings 503.20 476.00 441.50 406.60 470.30
Shareholders Funds 501.90 445.20 367.10 370.50 436.40
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 501.90 445.20 367.10 370.50 436.40
Cash Flow 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Net Cash Flow From Operating Activities 85.80 (0.90) (24.80) 283.60 64.20
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (22.60) (23.50) (15.20) (15.10) (31.20)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (72.70) 27.20 (32.20) (189.60) (40.10)
Net Increase/Decrease In Cash (9.50) 2.80 (72.20) 78.90 (7.10)
Ratios - based on IFRS 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
PE Ratio - Adjusted 5.1 3.5 6.9 n/a 5.0
PEG - Adjusted 0.4 0.3 n/a n/a n/a
Earnings per Share Growth - Adjusted 12% 11% n/a n/a -5%
Dividend Cover 2.25 2.26 2.35 (5.22) 2.60
Revenue per Share 341.68p 287.25p 2.46p 294.29p 395.66p
Pre-Tax Profit per Share 37.34p 34.44p 0.30p (18.11p) 50.73p
Operating Margin 20.94% 22.54% 22.18% 0.92% 19.96%
Return on Capital Employed 16.27% 15.01% 0.15% 0.73% 16.34%
Continuing & Discontinued Operations          
PE Ratio - Adjusted 5.1 3.5 679.8 n/a 5.0
PEG - Adjusted 0.4 0.0 n/a n/a n/a
Earnings per Share Growth - Adjusted 12% 10,861% n/a n/a -5%
Dividend Cover 2.25 2.26 0.02 (5.22) 2.60
           
Dividend Yield 8.7% 12.6% 6.2% 5.6% 7.7%
Dividend per Share Growth 11.96% 15.00% 73.91% (62.90%) n/a
Operating Cash Flow per Share 38.18p (0.40p) (11.04p) 126.20p 28.57p
Cash Incr/Decr per Share (4.23p) 1.25p (0.32p) 35.11p (3.16p)
Net Asset Value per Share (exc. Intangibles) 198.47p 174.93p 141.96p 140.58p 164.70p
Net Gearing 98.21% 116.69% 122.20% 106.59% 150.89%

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 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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