International Personal Finance plc

International Personal Finance plc

IPFPF
International Personal Finance plcUS flagOther OTC
2.83
USD
- -
- -
622.68MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.86
3.11
3.03
3.21
3.46
3.62
3.7
2.76
2.22
2.6
3.09
2.94
- -
2.22
Basic EPS, GAAP
0.39
0.3
0.27
0.3
0.16
0.34
0.32
-0.29
0.19
0.26
0.21
0.27
- -
0.19
Free Cash Flow per Basic Share
-0.06
0.05
-0.02
-0.01
-0.15
0.15
0.15
1.21
-0.18
-0.11
0.28
- -
- -
-0.18
Dividend per Share
0.08
0.1
0.12
0.12
0.12
0.12
0.12
- -
0.02
0.09
0.1
0.11
- -
- -
Book Value per Share
1.67
1.93
2.02
2.22
2.27
2.01
2.21
1.93
2.08
2.25
2.35
2.41
- -
2.08
Tangible Book Value per Share
1.61
1.48
1.23
1.69
1.98
1.66
1.66
1.42
1.43
1.77
1.99
1.82
- -
1.43
Basic Weighted Avg Shares
244
238
229
221
222
223
223
222
223
222
224
223
- -
223
Sales/Revenue/Turnover
698
738
694
710
771
808
826
614
495
577
691
656
666
495
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
11
15
19
22
24
32
43
29
27
29
29
29
29
Net Income, GAAP
96
72
62
67
37
75
72
-64
42
57
48
61
54
42
Effective Tax Rate (%)
26.74
28.34
37.62
25.83
57.39
31.02
37.02
- -
38.11
26.61
42.79
16.92
36.46
38.11
Profit Margin (%)
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
8.47
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
400
478
557
623
678
698
696
511
490
570
535
536
640
490
Total Equity
394
362
327
430
497
433
436
370
367
445
502
466
546
367
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.68
8.23
6.39
6.27
3.19
6.47
6.15
- -
4.42
5.61
4.5
5.71
4.77
4.42
Return on Common Equity (%)
23.99
16.58
13.58
14.03
7.34
15.82
15.26
-13.9
9.36
11.78
9.36
11.46
9.9
9.36

Capital Structure

FRC

in mil. unless spec.
Jun'21
Sep'21
Dec'21
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
224
224
222
Market Capitalization
218
220
198

Working Capital

FRC

in mil. unless spec.
Jun'21
Sep'21
Dec'21
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
100
92
42
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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
- -
47.25%
7.95%

Quarterly Revenue

FRC

in mil. unless spec.

Year

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

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

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

Company Description

APIChat
CEO
Gerard Jude Ryan
Full Time Employees
8,351
Sector
Financial Services
Industry
Financial - Credit Services
Address
26 Whitehall Road Leeds United Kingdom LS12 1BE
IPO Date
Dec 16, 2010
Business
International Personal Finance plc (IPF) is a United Kingdom-based global financial services company that provides unsecured consumer credit and insurance products to underserved customers in emerging markets. The company offers a broad portfolio of home credit and digital lending solutions, including home credit installment loans under the Provident brand; hybrid loans; digital installment loans through brands such as Creditea and Credit24; revolving credit lines; credit cards; retail credit; and mobile wallet services; as well as medical and life insurance products at competitive rates. IPF operates in nine markets across Europe, Mexico, and Australia, serving approximately 1.7 million customers with a focus on those with limited access to traditional banking. Founded in 1997 as a division of Provident Financial and demerged to list on the London Stock Exchange in 2007, IPF is headquartered at 26 Whitehall Road, Leeds, LS12 1BE, United Kingdom. Its business segments include European home credit, Mexico home credit, and IPF Digital, with subsidiaries such as Provident Mexico SA de CV and IPF International Ltd supporting its international footprint. In recent developments, IPF launched a £15 million share buyback programme and announced a possible cash offer for BasePoint Capital LLC valued at £482.1 million in July 2025, reflecting strategic expansion efforts amid ongoing takeover panel disclosures. The company also issued its half-year report and Q1 2024 trading update, alongside final results for the prior year, demonstrating continued focus on shareholder returns through dividends and operational enhancements. These initiatives build on prior digital expansions, including past acquisitions like MCB Finance in 2015, to strengthen its hybrid lending model.

Company News

APIChat
  • International Personal Finance plc (IPFPF) Q4 2025 Earnings Call Transcript

  • International Personal Finance shares jump 7% as BasePoint submits revised final offer

  • European Stocks Pause as IPF Jumps on £543 Million Buyout Deal

  • International Personal Finance jumps as BasePoint agrees £543m cash takeover

  • International Personal Finance board signs off £543m BasePoint cash bid

  • International Personal Finance plc (IPFPF) Q3 2025 Sales Call Prepared Remarks Transcript

  • International Personal Finance open to takeover as BasePoint ups offer