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  3. •

    Finance/Rental/Leasing
International Personal Finance plc

International Personal Finance plc

250.00
GBX
+0.50
(+0.20%)
51.31BMarket Cap
Feb 24Next Earn
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
3.05
- -
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
0.25
- -
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
0.12
- -
Book Value per Share
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
Tangible Book Value per Share
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
Basic Weighted Avg Shares
244
238
229
221
222
223
223
222
223
222
224
223
218
219
Sales/Revenue/Turnover
698
738
694
710
771
808
826
615
495
577
691
656
666
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
11
15
19
22
24
32
43
29
27
29
29
29
- -
Net Income, GAAP
96
72
63
67
37
75
72
-64
42
57
48
61
54
- -
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
- -
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
401
478
557
623
678
698
696
511
490
570
535
536
640
640
Total Equity
394
362
327
430
497
433
436
371
367
445
502
466
546
546
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
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 Common Equity (%)
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
- -

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
372
513

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%

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
691
2024
- -
- -
656
2025
- -
- -
666

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.21
2024
- -
- -
0.27
2025
- -
- -
0.25

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.1
2024
- -
- -
0.11
2025
- -
- -
0.12

Company Description

Company Profile APIChatGPT
CEO
Gerard Ryan
Full Time Employees
8,305
Sector
Finance
Industry
Finance/Rental/Leasing
Address
26 Whitehall Road Leeds WY United Kingdom LS12 1BE
IPO Date
Jul 16, 2007
Website
ipfin.co.uk
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Business
International Personal Finance plc (IPF.L) is a United Kingdom-based global financial services company that provides small unsecured cash loans, home credit, and digital lending products to underserved consumers in emerging markets; its core offerings include traditional agent-collected home credit loans, digital installment loans, credit cards, digital credit lines, and mobile wallets under brands such as Provident, Creditea, and Credit24, complemented by value-added services like medical and life insurance underwritten by third-party partners and accessible via the ProviGo customer app for account management, payments, and real-time promotions. The company operates through three main divisions—European home credit, Mexico home credit, and IPF Digital—across Central and Eastern Europe, Mexico, and other developing regions, serving customers with varying credit profiles through a flexible product suite that supports transitions between home credit and digital channels. Founded in 2006 and headquartered at 26 Whitehall Road, Leeds, United Kingdom, IPF employs approximately 6,670 people and targets individual consumers seeking affordable, responsible credit solutions in nine markets. Recent developments include a 14% year-on-year increase in net receivables to £1,007 million in Q3 2025, driven by strong lending growth and robust repayment performance under its Next Gen strategy; the company secured £141 million in new bank facilities year-to-date through Q3 2025 and confirmed full-year results in line with guidance while planning 2026 reinvestments in Mexico, Australia, and digital products. Additionally, IPF has been evaluating revised non-binding acquisition proposals from BasePoint Capital LLC, including offers at 235 pence per share in September 2025 with shareholder retention of the interim dividend, reflecting ongoing strategic interest amid its solid financial position with £83 million in debt facility headroom and a 52% equity-to-receivables ratio.