Compare International Personal Finance Plc with Similar Stocks
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
14.15%
0%
14.15%
6 Months
8.84%
0%
8.84%
1 Year
84.25%
0%
84.25%
2 Years
91.8%
0%
91.8%
3 Years
180.24%
0%
180.24%
4 Years
91.18%
0%
91.18%
5 Years
192.5%
0%
192.5%
International Personal Finance Plc for the last several years.
Risk Adjusted Returns v/s 
News

International Personal Finance Plc Hits Day High with 7.73% Surge
International Personal Finance Plc has seen notable stock performance, with a significant increase on December 18, 2025. The company reported a strong return on equity of 25.54% and an attractive price-to-book ratio of 0.94, while maintaining a solid market position in the finance sector.
Read full news article Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
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
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
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'24
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.
Net Sales
YoY Growth in year ended Dec 2024 is -5.41% vs 18.95% in Dec 2023
Consolidated Net Profit
YoY Growth in year ended Dec 2024 is 26.88% vs -15.49% in Dec 2023
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






