Compare International Personal Finance Plc with Similar Stocks
Total Returns (Price + Dividend) 
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 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
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
Shareholding Snapshot : Dec 2015
Shareholding Compare (%holding) 
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
Annual Results Snapshot (Consolidated) - Dec'25
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.
Net Sales
YoY Growth in year ended Dec 2025 is 1.54% vs -5.41% in Dec 2024
Consolidated Net Profit
YoY Growth in year ended Dec 2025 is -11.00% vs 26.88% in Dec 2024
About International Personal Finance Plc 
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 
Company Details
Number Three, Meadow Lane , LEEDS None : LS11 5BJ
Registrar Details






