International Personal Finance Plc

  • Market Cap: Small Cap
  • Industry: Finance
  • ISIN: GB00B1YKG049
GBP
2.55
0.00 (0.00%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

1.2 M

Shareholding (Dec 2015)

FII

2.20%

Held by 1 FIIs

DII

97.8%

Held by 0 DIIs

Promoter

0.00%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

Positive results in Jun 25

  • ROCE(HY) Highest at 14.7%
  • INTEREST COVERAGE RATIO(Q) Highest at 281.71
  • RAW MATERIAL COST(Y) Fallen by 0% (YoY)
2

With ROE of 22.75%, it has a attractive valuation with a 0.97 Price to Book Value

3

Consistent Returns over the last 3 years

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Finance

stock-summary
Market cap

GBP 572 Million (Small Cap)

stock-summary
P/E

4.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

152.89%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

22.75%

stock-summary
Price to Book

1.05

Revenue and Profits:
Net Sales:
149 Million
(Quarterly Results - Dec 2021)
Net Profit:
10 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
14.35%
0%
14.35%
6 Months
26.87%
0%
26.87%
1 Year
66.67%
0%
66.67%
2 Years
127.68%
0%
127.68%
3 Years
145.19%
0%
145.19%
4 Years
144.72%
0%
144.72%
5 Years
140.57%
0%
140.57%

International Personal Finance Plc for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
5.59%
EBIT Growth (5y)
7.12%
EBIT to Interest (avg)
1.73
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
16.92%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
2.22%
ROCE (avg)
28.83%
ROE (avg)
10.66%

Valuation key factors

Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.97
EV to EBIT
3.12
EV to EBITDA
2.64
EV to Capital Employed
0.97
EV to Sales
0.68
PEG Ratio
NA
Dividend Yield
165.31%
ROCE (Latest)
31.01%
ROE (Latest)
22.75%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2015stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Foreign Institutions

Domestic Funds

Held in 0 Schemes (0%)

Foreign Institutions

Held by 1 Foreign Institutions (2.2%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "alert": "No Quarterly Results declared by International Personal Finance Plc"
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2025 is 1.54% vs -5.41% in Dec 2024",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2025 is -11.00% vs 26.88% in Dec 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "737.50",
          "val2": "726.30",
          "chgp": "1.54%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "188.70",
          "val2": "184.90",
          "chgp": "2.06%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "73.30",
          "val2": "71.70",
          "chgp": "2.23%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-3.30",
          "val2": "-11.90",
          "chgp": "72.27%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "54.20",
          "val2": "60.90",
          "chgp": "-11.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "216.80%",
          "val2": "214.20%",
          "chgp": "0.26%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Annual Results Snapshot (Consolidated) - Dec'25stock-summary

Dec'25
Dec'24
Change(%)
Net Sales
737.50
726.30
1.54%
Operating Profit (PBDIT) excl Other Income
188.70
184.90
2.06%
Interest
73.30
71.70
2.23%
Exceptional Items
-3.30
-11.90
72.27%
Consolidate Net Profit
54.20
60.90
-11.00%
Operating Profit Margin (Excl OI)
216.80%
214.20%
0.26%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2025 is 1.54% vs -5.41% in Dec 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2025 is -11.00% vs 26.88% in Dec 2024

stock-summaryCompany CV
About International Personal Finance Plc stock-summary
stock-summary
International Personal Finance Plc
Finance
International Personal Finance plc is a United Kingdom-based holding company. The Company offers unsecured consumer finance products, channels and brands. Its segments include home credit and digital. Under home credit segment, the company offers home credit cash loans; money transfer loans; home, medical and life insurances; micro-business loans, and provident-branded digital loan products. Under digital segment, it offers installment loans, revolving credit line facility, and monthly repayment products. The Company operates home credit business in Poland, Lithuania and Czech Republic. It operates digital business in Finland, Estonia, Latvia, Lithuania, Poland, Spain, Mexico and Australia. The Company offers digital credit through Hapiloans, Creditea, Credit 24 and Sving brands.
Company Coordinates stock-summary
Company Details
Number Three, Meadow Lane , LEEDS None : LS11 5BJ
stock-summary
Tel: 44 113 2856700
stock-summary
Registrar Details