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International Personal Finance plc (IPF.L)
GBp249.00
+0.50 (+0.20%)
GB LSE Financial Services Financial - Credit Services
Address
26 Whitehall Road LS12 1BE
Leeds, GB
Leeds, GB
CEO
Gerard Jude Ryan
Website
ipfin.co.uk
IPO
2007-07-16
ISIN GB00B1YKG049
Also trades on
London Stock Exchange · IPF.L (GBp)
Other OTC · IPFPF (USD)
Description
International Personal Finance plc and its affiliated companies deliver a range of consumer lending services throughout Europe and Mexico. Their offerings encompass traditional home credit options, such as cash advances, small business loans, direct-to-bank account money transfers, and complementary insurance products for home, medical, and life needs, along with repayment administration. Furthermore, they provide contemporary digital financial solutions including installment credit, revolving credit facilities, tailored repayment plans, and mobile wallet payment methods. The company distributes its diverse financial products under brand names like Provident, Credit24, hapiloans, and Creditea. Founded in 1997, its primary corporate office is situated in Leeds, United Kingdom.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp249.00
+0.50 (+0.20%)
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Volume Profile
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Liquidity & share structure
Average Volume
939.0K
Beta
0.41
Float Shares
155.16M
Free Float %
70.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.20% | +0.20% | +0.00% | +21.27% | +5.98% | +53.47% | +120.44% | +87.31% | -10.79% | -6.42% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
249.00
DCF (Unlevered)
711.39
+185.7%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | -1 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
3.78
Safe zone
Piotroski F-Score
6 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+12.4% Q4'25: +0.5% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%-7.7% Q4'25: -18.2% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-5.9% Q4'25: -3.8% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+21.5% Q4'25: +18.9% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+8.6% ★ Q4'25: +16.5% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%-2.3% ★ Q4'25: -4.2% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×3.49× ★ Q4'25: 1.85× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2007 actual |
Dec 2008 actual |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
409.80M
est: 419.71M (-2.4%)
|
557.10M
est: 559.37M (-0.4%)
|
550.20M
est: 571.52M (-3.7%)
|
608.70M
est: 628.23M (-3.1%)
|
649.50M
est: 678.19M (-4.2%)
|
610.10M
est: 645.66M (-5.5%)
|
697.80M
est: 764.75M (-8.8%)
|
737.90M
est: 816.03M (-9.6%)
|
693.80M
est: 795.98M (-12.8%)
|
716.30M
est: 745.42M (-3.9%)
|
770.60M
est: 820.68M (-6.1%)
|
807.90M
est: 858.90M (-5.9%)
|
825.60M
est: 883.05M (-6.5%)
|
661.30M
est: 677.73M (-2.4%)
|
548.70M
est: 549.50M (-0.1%)
|
645.50M
est: 614.80M (+5.0%)
|
767.80M
est: 759.50M (+1.1%)
|
655.90M
est: 749.26M (-12.5%)
|
737.50M
est: 759.10M (-2.8%)
|
881.40M
881.40M – 881.40M
+16.1% YoY
|
997.90M
997.90M – 997.90M
+13.2% YoY
|
| EBITDA |
62.60M
est: 70.55M (-11.3%)
|
88.00M
est: 79.97M (+10.0%)
|
79.80M
est: 90.63M (-11.9%)
|
111.50M
est: 73.44M (+51.8%)
|
118.30M
est: 113.03M (+4.7%)
|
106.60M
est: 110.21M (-3.3%)
|
180.90M
est: 120.81M (+49.7%)
|
134.90M
est: 150.29M (-10.2%)
|
173.10M
est: 109.16M (+58.6%)
|
161.70M
est: 110.01M (+47.0%)
|
182.50M
est: 121.02M (+50.8%)
|
177.00M
est: 126.76M (+39.6%)
|
210.40M
est: 136.22M (+54.5%)
|
33.40M
est: 121.78M (-72.6%)
|
150.80M
est: 125.97M (+19.7%)
|
172.70M
est: 137.57M (+25.5%)
|
190.10M
est: 158.59M (+19.9%)
|
—
est: 156.39M (-100.0%)
|
187.40M
est: 158.51M (+18.2%)
|
184.05M
184.05M – 184.05M
+16.1% YoY
|
208.38M
208.38M – 208.38M
+13.2% YoY
|
| EBIT |
-13.00M
est: 54.74M (-123.7%)
|
70.20M
est: 62.64M (+12.1%)
|
-18.40M
est: 72.32M (-125.4%)
|
-16.50M
est: 67.33M (-124.5%)
|
-14.80M
est: 95.21M (-115.5%)
|
94.90M
est: 96.07M (-1.2%)
|
170.20M
est: 106.96M (+59.1%)
|
123.60M
est: 138.90M (-11.0%)
|
157.70M
est: 98.10M (+60.8%)
|
142.80M
est: 95.35M (+49.8%)
|
160.80M
est: 105.05M (+53.1%)
|
167.80M
est: 112.58M (+49.0%)
|
178.00M
est: 111.95M (+59.0%)
|
26.20M
est: 94.83M (-72.4%)
|
122.10M
est: 98.09M (+24.5%)
|
145.50M
est: 107.12M (+35.8%)
|
160.80M
est: 125.71M (+27.9%)
|
-29.30M
est: 119.03M (-124.6%)
|
158.60M
est: 125.64M (+26.2%)
|
145.89M
145.89M – 145.89M
+16.1% YoY
|
165.17M
165.17M – 165.17M
+13.2% YoY
|
| Net Income |
32.50M
est: 31.05M (+4.7%)
|
50.60M
est: 43.31M (+16.8%)
|
32.80M
est: 52.05M (-37.0%)
|
59.20M
est: 35.79M (+65.4%)
|
76.50M
est: 63.91M (+19.7%)
|
74.10M
est: 73.13M (+1.3%)
|
95.60M
est: 87.77M (+8.9%)
|
71.80M
est: 101.75M (-29.4%)
|
62.50M
est: 70.29M (-11.1%)
|
66.90M
est: 59.48M (+12.5%)
|
36.60M
est: 73.21M (-50.0%)
|
75.40M
est: 39.02M (+93.2%)
|
71.80M
est: 77.23M (-7.0%)
|
-64.20M
est: 59.73M (-207.5%)
|
41.90M
est: 61.78M (-32.2%)
|
56.80M
est: 44.70M (+27.1%)
|
48.00M
est: 50.19M (-4.4%)
|
60.90M
est: 47.24M (+28.9%)
|
54.20M
est: 54.40M (-0.4%)
|
59.54M
59.54M – 59.54M
+9.4% YoY
|
70.86M
70.86M – 70.86M
+19.0% YoY
|
| SGA |
175.70M
est: 183.62M (-4.3%)
|
212.70M
est: 234.17M (-9.2%)
|
207.30M
est: 224.57M (-7.7%)
|
220.90M
est: 226.22M (-2.3%)
|
241.30M
est: 238.47M (+1.2%)
|
238.50M
est: 230.66M (+3.4%)
|
268.60M
est: 282.49M (-4.9%)
|
274.40M
est: 285.89M (-4.0%)
|
277.60M
est: 268.64M (+3.3%)
|
305.50M
est: 258.84M (+18.0%)
|
328.70M
est: 530.60M (-38.1%)
|
330.80M
est: 564.84M (-41.4%)
|
330.80M
est: 571.31M (-42.1%)
|
278.80M
est: 477.73M (-41.6%)
|
259.40M
est: 494.15M (-47.5%)
|
271.80M
est: 539.65M (-49.6%)
|
308.90M
est: 268.24M (+15.2%)
|
308.10M
est: 264.51M (+16.5%)
|
—
est: 268.10M (-100.0%)
|
311.29M
311.29M – 311.29M
+16.1% YoY
|
352.43M
352.43M – 352.43M
+13.2% YoY
|
| EPS |
0.13
est: 0.13 (-1.5%)
|
0.20
est: 0.21 (-3.7%)
|
0.13
est: 0.16 (-16.8%)
|
0.23
est: 0.26 (-13.1%)
|
0.30
est: 0.30 (-0.9%)
|
0.29
est: 0.28 (+4.9%)
|
0.39
est: 0.36 (+7.3%)
|
0.30
est: 0.37 (-19.9%)
|
0.27
est: 0.38 (-29.3%)
|
0.30
est: 0.30 (+1.6%)
|
0.17
est: 0.29 (-41.2%)
|
0.34
est: 0.31 (+11.4%)
|
0.32
est: 0.24 (+31.1%)
|
-0.29
est: -0.26 (-12.4%)
|
0.19
est: 0.15 (+25.8%)
|
0.26
est: 0.21 (+21.7%)
|
0.21
est: 0.22 (-3.8%)
|
0.27
est: 0.21 (+31.4%)
|
0.25
est: 0.24 (+3.0%)
|
0.26
0.26 – 0.26
+6.7% YoY
|
0.31
0.31 – 0.31
+19.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-28 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-27 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-26 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-22 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-21 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-19 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-18 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-15 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-14 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-13 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-12 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-11 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-08 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-07 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-01 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
8.73M
OE per share TTM
0.03
Owner's Yield
1.60%
Maintenance CapEx ratio
22.00%
Maint CapEx / Avg PPE
5.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 14 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree UK Quality Dividend Growth UCITS ETF - GBP UGRW.L | 0.39% | 42.3K | 0.29% |
| 2 | HSBC FTSE 250 UCITS ETF HMCX.L | 0.16% | 106.5K | 0.09% |
| 3 | Invesco FTSE 250 UCITS ETF S250.L | 0.16% | 56.0K | 0.12% |
| 4 | Xtrackers FTSE 250 UCITS ETF 1D XMCX.L | 0.16% | 60.4K | 0.15% |
| 5 | iShares FTSE 250 UCITS ETF MIDD.L | 0.16% | 1.32M | 0.40% |
| 6 | Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE | 0.15% | 4.10M | 0.10% |
| 7 | Vanguard FTSE 250 UCITS ETF VMIG.MI | 0.15% | 4.10M | 0.10% |
| 8 | Avantis International Small Cap Equity ETF AVDS | 0.03% | 88.6K | 0.30% |
| 9 | Schwab Fundamental International Small Company Index ETF FNDC | 0.02% | 585.1K | 0.39% |
| 10 | State Street SPDR FTSE UK All Share UCITS ETF (Acc) FTAL.L | 0.01% | 135.3K | 0.20% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
19.0K
Shares Outstanding
220.03M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Gerard Jude Ryan | Chief Executive Officer & Executive Director | 2M | male |
| Gary Thompson | Chief Financial Officer & Executive Director | 897.0K | male |
| Gary Howard Thompson | Chief Financial Officer & Executive Director | 897.0K | male |
| Krzysztof Adamski | Group Treasurer | — | male |
| Lyndsey Hamilton-Scott | Chief Human Resources Officer | — | female |
| Rachel Moran | Investor Relations Manager | — | female |
| Thomas Crane | Company Secretary & Chief Legal Officer | — | male |
| Botond Szirmak | Head of European Home Credit | — | female |
| Wojciech Nesterenki | Head of People Communication & Culture | — | — |
| Georgia Dunn | Secretary | — | female |
| Gergely Mikola | Group Corporation Affairs Director | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for IPF.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
