1. Finance

  2. •

    Finance/Rental/Leasing
International Personal Finance plc

International Personal Finance plc

GGETTEX:3I8
2.92
EUR
0.00
(0.00%)
583.48MMarket Cap
International Personal Finance plc
GETTEX:3I8
(Gettex)

Recent

price

2.92

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
GBP
2.4
2.39
2.42
2.86
3.11
3.03
3.21
3.46
3.62
3.7
2.76
2.22
2.6
3.09
2.94
3.05
- -
Revenue per Share
0.23
0.3
0.29
0.39
0.3
0.27
0.3
0.16
0.34
0.32
-0.29
0.19
0.26
0.21
0.27
0.25
- -
Basic EPS, GAAP
0.11
-0.01
0.07
-0.06
0.05
-0.02
-0.01
-0.15
0.15
0.15
1.21
-0.18
-0.11
0.28
- -
-0.18
- -
Free Cash Flow per Basic Share
0.06
0.07
0.07
0.08
0.1
0.12
0.12
0.12
0.12
0.12
- -
0.02
0.09
0.1
0.11
0.12
- -
Dividend per Share
1.2
1.27
1.51
1.64
1.51
1.4
1.93
2.23
1.85
1.86
1.58
1.65
2
2.24
2.15
2.49
2.49
Book Value per Share
1.17
1.26
1.49
1.64
1.47
1.2
1.68
1.97
1.58
1.58
1.35
1.44
1.76
1.99
1.87
2.14
2.14
Tangible Book Value per Share
254
254
252
244
238
229
221
222
223
223
222
223
222
224
223
218
253
Basic Weighted Avg Shares
609
607
610
698
738
694
710
771
808
826
615
495
577
691
656
666
- -
Sales/Revenue/Turnover
13.96
16.07
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
17
15
12
11
11
15
19
22
24
32
43
29
27
29
29
29
- -
Depreciation Expense
59
77
74
96
72
63
67
37
75
72
-64
42
57
48
61
54
- -
Net Income, GAAP
32.88
23.88
17.94
26.74
28.34
37.62
25.83
57.39
31.02
37.02
- -
38.11
26.61
42.79
16.92
36.46
- -
Effective Tax Rate (%)
9.73
12.61
12.15
13.7
9.73
9.01
9.42
4.75
9.33
8.7
-10.45
8.47
9.84
6.95
9.28
8.14
- -
Profit Margin (%)
506
518
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
285
277
311
401
478
557
623
678
698
696
511
490
570
535
536
640
640
LT Debt
309
328
376
394
362
327
430
497
433
436
371
367
445
502
466
546
546
Total Equity
9.49
12
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
14.35
17.84
11.42
12.91
8.79
7.25
6.91
3.29
6.54
6.34
- -
4.82
6.07
4.68
5.97
4.95
- -
Return on Capital (%)
20.82
24.03
21.07
24.84
19.01
18.15
17.68
7.9
16.22
16.52
-15.91
11.36
13.98
10.14
12.58
10.71
- -
Return on Common Equity (%)

Capital Structure

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
217
219
219
Market Capitalization
282
379
509

Working Capital

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
28
38
30
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.29%
8.62%
17.09%
Free Cash Flow
-554.11%
-1,465.03%
-6,716.67%
Net Income, GAAP
-25.57%
-25.86%
-11%
Sales/Revenue/Turnover
0.57%
2.68%
1.57%
Total Cash Common Dividend
- -
- -
7.95%

Quarterly Revenue

GBP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
691
2024
- -
- -
- -
- -
656
2025
- -
- -
- -
- -
666

Quarterly Earnings Per Share

GBP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.21
2024
- -
- -
- -
- -
0.27
2025
- -
- -
- -
- -
0.25

Quarterly Dividends Per Share

GBP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.1
2024
- -
- -
- -
- -
0.11
2025
- -
- -
- -
- -
0.12
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