International Personal Finance (IPF)

Sector:

Financials

Index:

FTSE Small Cap

102.50p
   
  • Change Today:
      1.00p
  • 52 Week High: 131.00
  • 52 Week Low: 94.00
  • Currency: UK Pounds
  • Shares Issued: 224.71m
  • Volume: 238,173
  • Market Cap: £230.33m
  • RiskGrade: 268

IPF Overview

International Personal Finance plc is a United Kingdom-based global financial services provider. The Company's business divisions include European home credit, Mexico home credit and IPF Digital. The Company offers a broad suite of traditional products and services to suit its customers’ preferences and different credit profiles. The Company's suite of products range from home credit and digital instalment loans, a credit card and digital credit lines to a mobile wallet, insurances and other value-added services. It provides ProviGo customer app through which customers can view their account online, look at their balance, track receipts of payments and see if they can access another loan or value-added service. ProviGo also enables the Company to communicate directly with customers in real time with offers and promotions it is running.

1 Day Chart (18-04-2024)

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Financials

Latest F'cast
Div Yield 10.0% 0.0%
Div Cover 2.3 1.8
Op Mrgn 20.9% 35.2%
ROCE 16.3%  
Latest F'cast
P/E 4.4 5.4
PEG 0.4 n/a
Pr/Revenue 0.3 0.3
Pr/Book 0.5  
Latest F'cast
Revenue 18.9% -5.8%
PBT 8.4% 203.3%
EPS 11.5% -17.1%
DPS 12.0% 5.8%

IPF Fundamentals

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-19 889.10 114.00 32.20p 5.0 n/a -5% 12.40p 7.7%
31-Dec-20 661.30 (40.70) (24.00)p n/a n/a n/a 4.60p 5.6%
31-Dec-21 548.70 67.70 18.80p 6.9 n/a n/a 8.00p 6.2%
31-Dec-22 645.50 77.40 20.80p 3.5 0.3 +11% 9.20p 12.6%
31-Dec-23 767.80 83.90 23.20p 5.1 0.4 +12% 10.30p 8.7%

a. Based on UK GAAP presentation of accounts - includes discontinued activities

IPF Forecasts

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-24 723.17 254.50 19.23p 5.3 n/a -17% 10.90p 0.0%
31-Dec-25 770.95 163.25 24.07p 4.3 0.2 +25% 11.93p 0.0%
31-Dec-26 866.20 179.05 29.57p 3.5 0.2 +23% 13.07p 0.0%

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IPF Company Announcements

Director/PDMR Shareholding 08-Apr-2024 13:13 RNS
Director/PDMR Shareholding 05-Apr-2024 10:00 RNS
Director/PDMR Shareholding 04-Apr-2024 10:48 RNS

IPF ShareCast News

Profits jump at International Personal Finance d... 14-Mar-2024 ShareCast
Intl Personal Finance delays FY results, cites P... 26-Feb-2024 ShareCast
IPF sees 'good momentum' continue through Q3 26-Oct-2023 ShareCast

IPF Top Newspaper Links

Doorstep finance from IPF fills Hungary's bankin... 02-Apr-2009 Times
Tesco joins comparison site market with RBS back... 12-Sep-2007 The Scotsman

Latest IPF Director Deals

Traded Action Notifier PriceAmountValue
04-Apr-24 Sell Gerard Ryan 109.24p 381,689 £416,941.80
04-Apr-24 Exercise of option Gerard Ryan 0.000p 810,185 £0.00
02-Apr-24 Buy Aileen Wallace 110.25p 16,903 £18,635.56

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: In the case of dual listed securities, broker recommendations and forecasts relate to the primary listing.

Note 6: Forecast figures based on normalised accounts.

 

IPF Market Data

Currency UK Pounds
Share Price 102.50p
Change Today 1.00p
% Change 0.99 %
52 Week High 131.00
52 Week Low 94.00
Volume 238,173
Shares Issued 224.71m
Market Cap £230.33m
RiskGrade 268

IPF Star Ratings

Compare performance with the sector and the market.
more star ratings
Key: vs Market vs Sector
Value
97.76% above the market average97.76% above the market average97.76% above the market average97.76% above the market average97.76% above the market average
96.26% above the sector average96.26% above the sector average96.26% above the sector average96.26% above the sector average96.26% above the sector average
Price Trend
19.89% above the market average19.89% above the market average19.89% above the market average19.89% above the market average19.89% above the market average
12.07% above the sector average12.07% above the sector average12.07% above the sector average12.07% above the sector average12.07% above the sector average
Income
98.75% above the market average98.75% above the market average98.75% above the market average98.75% above the market average98.75% above the market average
97.01% above the sector average97.01% above the sector average97.01% above the sector average97.01% above the sector average97.01% above the sector average
Growth
17.73% below the market average17.73% below the market average17.73% below the market average17.73% below the market average17.73% below the market average
3.7% below the sector average3.7% below the sector average3.7% below the sector average3.7% below the sector average3.7% below the sector average

What The Brokers Say

Strong Buy 1
Buy 2
Neutral 0
Sell 0
Strong Sell 0
Total 3
buy
Broker recommendations should not be taken as investment advice, and are provided by the authorised brokers listed on this page.

IPF Dividends

  Latest Previous
  Final Interim
Ex-Div 11-Apr-24 31-Aug-23
Paid 10-May-24 29-Sep-23
Amount 7.20p 3.10p

Trades for 18-Apr-2024

Time Volume / Share Price
16:35 2,049 @ 102.50p
16:35 222 @ 102.50p
16:35 60 @ 102.50p
16:35 111 @ 102.50p
16:35 176 @ 102.50p

IPF Key Personnel

CEO Gerard Ryan
Chair Stuart Sinclair
CFO Gary Thompson

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