ScoreWhy is International Personal Finance Plc ?
1
Positive results in Jun 25
- ROCE(HY) Highest at 14.7%
- INTEREST COVERAGE RATIO(Q) Highest at 281.71
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
2
With ROE of 22.75%, it has a attractive valuation with a 0.97 Price to Book Value
- Over the past year, while the stock has generated a return of 66.34%, its profits have fallen by -16.9%
3
Consistent Returns over the last 3 years
- Along with generating 66.34% 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
66.67%
-1.85
31.47%
FTSE 100
13.98%
1.15
13.60%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.59%
EBIT Growth (5y)
7.12%
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
0
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
0.97
EV to EBIT
3.12
EV to EBITDA
2.64
EV to Capital Employed
0.97
EV to Sales
0.68
PEG Ratio
NA
Dividend Yield
165.31%
ROCE (Latest)
31.01%
ROE (Latest)
22.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What 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
DIVIDEND PER SHARE(HY)
Highest at GBP 0.76
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 times
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)
Dividend per share
Highest at GBP 0.76
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (GBP)
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 times
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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
