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Equity
International Personal Finance PLC(IPF)
GBX --+0.00%
Reward49Moderate
Risk51Moderate
📊75%Data
5.2% dividend yield
IPF
+0.0 · +0.00%
GBX · LSE
International Personal Finance PLC | Financial Services
Value Trap
Market Cap:539.45M
ℹ️
Reward Rating
49
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
51
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on IPF to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: 195p.

What is International Personal Finance PLC?

International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico.

IPF · Verdict

Moderate reward · elevated risk

IPF stands out on valuation and volatility, but watch the cash flow signal.

Based on 88% data coverage

IPF · Verdict

What’s working & what to watch

Strengths 2

  • Valuation80/100

    P/E 9.5× · PEG 0.90

  • Volatility80/100

    Top decile vs peers

Watchouts 3

  • Cash flow35/100

    -2% free-cash-flow margin

  • Balance sheet38/100

    Interest covered 2.2×

  • Growth39/100

    Rev +4.5% CAGR · earnings -1.5%

Model-based scoring. For information only — not financial advice.

What is International Personal Finance PLC?

International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico. The company provides home credit installment loans; hybrid loans; credit card; retail credit; digital installment loans; revolving credit line; mobile wallet services; and value added services, including health and life insurance. The company is listed on the LSE in UK, operating in the Financial Services sector, with a market capitalisation of 539.45M, and a P/E ratio of 10.3x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Profitability metrics are mixed — margins may be under pressure.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: Moderate (49)

The scoring profile indicates limited reward potential at this time, with valuation and momentum offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap539.45M
P/E Ratio10.25
Dividend Yield5.16%
52 Week High252
52 Week Low117.1234
Last AnnualDecember
IPO DateN/A
IncorporatedUK
Shares Outstanding219M
No. of Employees8,351
IndustryCredit Services
ExchangeLSE
Beta0.497
CurrencyGBX
Websitewww.ipfin.co.uk
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