ScoreWhy is International Personal Finance Plc ?
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
- Over the past year, while the stock has generated a return of 53.79%, its profits have risen by 33.7% ; the PEG ratio of the company is 0.1
3
Consistent Returns over the last 3 years
- Along with generating 53.79% returns in the last 1 year, the stock has outperformed FTSE 100 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to International Personal Finance Plc should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is International Personal Finance Plc for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
International Personal Finance Plc
-100.0%
-2.10
31.73%
FTSE 100
16.5%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality 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%
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
ROCE(HY)
Highest at 14.7%
INTEREST COVERAGE RATIO(Q)
Highest at 281.71
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
PRE-TAX PROFIT(Q)
Highest at GBP 49.9 MM
-2What is not working for the Company
DEBTORS TURNOVER RATIO(HY)
Lowest at 0.76%
NET SALES(Q)
Lowest at GBP 347.8 MM
Here's what is working for International Personal Finance Plc
Interest Coverage Ratio
Highest at 281.71
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Pre-Tax Profit
Highest at GBP 49.9 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for International Personal Finance Plc
Net Sales
Lowest at GBP 347.8 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (GBP MM)
Debtors Turnover Ratio
Lowest at 0.76%
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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