Total Returns (Price + Dividend) 
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 
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)
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
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






