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International Personal Finance plc (IPFPF)
Leeds, GB
International Personal Finance plc functions as a consumer finance provider across various European countries and Mexico. The company delivers a diverse range of personal credit solutions, including traditional doorstep loans that offer direct bank transfers for funds, cash advances, and financing for micro-enterprises. Furthermore, it supplies various insurance offerings, such as coverage for homes, health, and life, along with services for managing repayments. Venturing into digital platforms, IPF facilitates installment credit, revolving credit facilities, and supports mobile wallet payments. Its prominent brands encompass Provident, Credit24, hapiloans, and Creditea. Established in 1997, the firm maintains its head office in Leeds, United Kingdom.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +0.00% | +0.00% | +0.00% | +0.00% | +88.67% | +335.38% | +41.50% | -24.33% | -50.70% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
-
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%+31.6% 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)
* 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.
| Metric |
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 |
693.80M
est: 793.92M (-12.6%)
|
716.30M
est: 750.16M (-4.5%)
|
770.60M
est: 836.82M (-7.9%)
|
807.90M
est: 814.12M (-0.8%)
|
825.60M
est: 911.23M (-9.4%)
|
661.30M
est: 680.47M (-2.8%)
|
548.70M
est: 550.63M (-0.4%)
|
645.50M
est: 606.13M (+6.5%)
|
767.80M
est: 692.26M (+10.9%)
|
655.90M
est: 749.06M (-12.4%)
|
737.38M
est: 758.98M (-2.8%)
|
877.86M
877.86M – 877.86M
+15.7% YoY
|
993.89M
993.89M – 993.89M
+13.2% YoY
|
| EBITDA |
173.10M
est: 116.77M (+48.2%)
|
161.70M
est: 110.34M (+46.6%)
|
182.50M
est: 123.08M (+48.3%)
|
177.00M
est: 119.74M (+47.8%)
|
210.40M
est: 134.03M (+57.0%)
|
33.40M
est: 100.09M (-66.6%)
|
127.30M
est: 80.99M (+57.2%)
|
151.70M
est: 89.15M (+70.2%)
|
167.30M
est: 101.82M (+64.3%)
|
—
est: 140.68M (-100.0%)
|
187.37M
est: 142.54M (+31.5%)
|
164.86M
164.86M – 164.86M
+15.7% YoY
|
186.65M
186.65M – 186.65M
+13.2% YoY
|
| EBIT |
157.70M
est: 103.46M (+52.4%)
|
142.80M
est: 97.76M (+46.1%)
|
160.80M
est: 109.05M (+47.5%)
|
167.80M
est: 106.09M (+58.2%)
|
178.00M
est: 118.75M (+49.9%)
|
26.20M
est: 88.68M (-70.5%)
|
122.10M
est: 71.76M (+70.2%)
|
145.50M
est: 78.99M (+84.2%)
|
160.80M
est: 90.21M (+78.2%)
|
-29.30M
est: 123.90M (-123.6%)
|
158.57M
est: 125.54M (+26.3%)
|
145.20M
145.20M – 145.20M
+15.7% YoY
|
164.39M
164.39M – 164.39M
+13.2% YoY
|
| Net Income |
62.50M
est: 132.44M (-52.8%)
|
66.90M
est: 85.84M (-22.1%)
|
36.60M
est: 91.98M (-60.2%)
|
75.40M
est: 91.48M (-17.6%)
|
71.80M
est: 76.06M (-5.6%)
|
-64.20M
est: -82.98M (+22.6%)
|
41.90M
est: 48.03M (-12.8%)
|
56.80M
est: 60.80M (-6.6%)
|
48.00M
est: 60.51M (-20.7%)
|
60.90M
est: 79.63M (-23.5%)
|
54.19M
est: 101.27M (-46.5%)
|
107.64M
107.64M – 107.64M
+6.3% YoY
|
128.11M
128.11M – 128.11M
+19.0% YoY
|
| SGA |
277.60M
est: 347.33M (-20.1%)
|
305.50M
est: 328.19M (-6.9%)
|
328.70M
est: 366.10M (-10.2%)
|
330.80M
est: 356.17M (-7.1%)
|
330.80M
est: 398.66M (-17.0%)
|
278.80M
est: 297.70M (-6.3%)
|
259.40M
est: 240.90M (+7.7%)
|
271.80M
est: 265.18M (+2.5%)
|
308.90M
est: 302.86M (+2.0%)
|
308.10M
est: 328.12M (-6.1%)
|
312.90M
est: 332.46M (-5.9%)
|
384.54M
384.54M – 384.54M
+15.7% YoY
|
435.37M
435.37M – 435.37M
+13.2% YoY
|
| EPS |
0.27
est: 0.56 (-52.0%)
|
0.30
est: 0.36 (-17.8%)
|
0.17
est: 0.39 (-56.5%)
|
0.34
est: 0.39 (-12.5%)
|
0.32
est: 0.32 (-1.0%)
|
-0.29
est: -0.35 (+17.8%)
|
0.19
est: 0.20 (-6.9%)
|
0.26
est: 0.26 (+0.6%)
|
0.20
est: 0.26 (-22.2%)
|
0.27
est: 0.26 (+5.0%)
|
0.24
est: 0.33 (-26.6%)
|
0.35
0.35 – 0.35
+6.3% YoY
|
0.41
0.41 – 0.41
+19.0% YoY
|
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
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 | 1M | male |
| Gary Howard Thompson | Chief Financial Officer & Executive Director | 1M | 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 |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for IPFPF
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.
