International Personal Finance Plc (IPF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Mortgage Advice Bureau (Holdings) plc

Redde Northgate Plc

S&U Plc

Ashtead Technology Holdings Plc

Vanquis Banking Group Plc

H&T Group Plc

International Personal Finance Plc

Vp Plc

Speedy Hire Plc

Burford Capital Ltd.

Ashtead Group Plc

Why is International Personal Finance Plc ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 10.66%

Poor long term growth as Net Sales has grown by an annual rate of 5.59% and Operating profit at 7.12%

Poor long term growth as Net Sales has grown by an annual rate of 5.59% and Operating profit at 7.12%

Negative results in Jun 26

OPERATING CASH FLOW(Y) Lowest at GBP -39.4 MM
ROCE(HY) Lowest at 9.11%
DEBT-EQUITY RATIO (HY) Highest at 126.22 %

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is International Personal Finance Plc for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

International Personal Finance Plc

17.92%

-3.10

19.04%

FTSE 100

19.78%

1.58

11.75%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

5.59%

EBIT Growth (5y)

7.12%

EBIT to Interest (avg)

2.13

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

38.11%

Dividend Payout Ratio

51.55%

Pledged Shares

Institutional Holding

2.22%

ROCE (avg)

35.25%

ROE (avg)

10.66%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.00

EV to EBIT

3.22

EV to EBITDA

2.73

EV to Capital Employed

1.00

EV to Sales

0.70

PEG Ratio

Dividend Yield

525.60%

ROCE (Latest)

31.01%

ROE (Latest)

22.75%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

NET SALES(Q)

Highest at GBP 413.2 MM

-11What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at GBP -39.4 MM

ROCE(HY)

Lowest at 9.11%

DEBT-EQUITY RATIO (HY)

Highest at 126.22 %

DEBTORS TURNOVER RATIO(HY)

Lowest at 0.74 times

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

CASH AND EQV(HY)

Lowest at GBP 22.9 MM

DIVIDEND PER SHARE(HY)

Lowest at GBP 0.74

Here's what is working for International Personal Finance Plc

Net Sales

Highest at GBP 413.2 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (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

Depreciation

Highest at GBP 17.2 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (GBP MM)

Here's what is not working for International Personal Finance Plc

Debt-Equity Ratio

Highest at 126.22 % and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio

Debtors Turnover Ratio

Lowest at 0.74 times and Fallen

In each half year in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio

Operating Cash Flow

Lowest at GBP -39.4 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (GBP MM)

Cash and Eqv

Lowest at GBP 22.9 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Dividend per share

Lowest at GBP 0.74

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (GBP)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)