International Personal Finance Plc

  • Market Cap: Small Cap
  • Industry: Finance
  • ISIN: GB00B1YKG049
GBP
2.03
0.02 (1.25%)
  • 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

1.9 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

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Dashboard
1

Flat results in Jun 25

  • DEBTORS TURNOVER RATIO(HY) Lowest at 0.76%
  • NET SALES(Q) Lowest at GBP 347.8 MM
2

With ROE of 25.54%, it has a very attractive valuation with a 0.94 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 447 Million (Small Cap)

stock-summary
P/E

4.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

195.53%

stock-summary
Debt Equity

-999,999.00

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Return on Equity

25.54%

stock-summary
Price to Book

0.89

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
0%
0%
0.0%
6 Months
25.0%
0%
25.0%
1 Year
53.79%
0%
53.79%
2 Years
78.07%
0%
78.07%
3 Years
160.26%
0%
160.26%
4 Years
55.2%
0%
55.2%
5 Years
118.28%
0%
118.28%

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)
1.21%
EBIT Growth (5y)
115.24%
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
41.71%
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
0.94
EV to EBIT
2.74
EV to EBITDA
2.31
EV to Capital Employed
0.93
EV to Sales
0.62
PEG Ratio
0.09
Dividend Yield
185.52%
ROCE (Latest)
34.15%
ROE (Latest)
25.54%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bearish
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'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is -5.41% vs 18.95% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 26.88% vs -15.49% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "726.30",
          "val2": "767.80",
          "chgp": "-5.41%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "184.90",
          "val2": "190.20",
          "chgp": "-2.79%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "71.70",
          "val2": "76.90",
          "chgp": "-6.76%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "-11.90",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "60.90",
          "val2": "48.00",
          "chgp": "26.88%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "214.20%",
          "val2": "209.60%",
          "chgp": "0.46%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
726.30
767.80
-5.41%
Operating Profit (PBDIT) excl Other Income
184.90
190.20
-2.79%
Interest
71.70
76.90
-6.76%
Exceptional Items
-11.90
0.00
Consolidate Net Profit
60.90
48.00
26.88%
Operating Profit Margin (Excl OI)
214.20%
209.60%
0.46%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is -5.41% vs 18.95% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 26.88% vs -15.49% in Dec 2023

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
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Tel: 44 113 2856700
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Registrar Details