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Equity
IPF
+0.0 · +0.00%
GBX · LSE

International Personal Finance PLC(IPF) Stock Analysis | Financial Services

GBX --+0.00%
Reward50Moderate
Risk42Moderate
75%Data
3.6% dividend yield · Revenue growing 19% YoY
Deep Value
Market Cap:555.33M
ⓘ
Reward Rating
50
Moderate
Reward Assessment
75% data coverage
Bottom 50% of stocksView factors
ⓘ
Risk Rating
42
Moderate
Risk Assessment
4 metrics flaggedView details

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.

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.
New listing — limited trading history
Fundamental and analyst data are available for IPF, but momentum and volatility metrics will develop as more trading history accumulates (0 trading sessions so far).
Not available yet for this stock
The overview tab requires data we don't have for this stock yet. The price chart is the most reliable view we have — try the Chart tab.
Earnings Ex-dividend

Market Performance

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

Analyst Target

Analyst consensus price target: 185p.

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 · moderate 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 9.6× · PEG 0.90

  • Volatility80/100

    Top decile vs peers

Watchouts 4

  • Cash flow35/100

    -5% free-cash-flow margin

  • Balance sheet38/100

    Interest covered 2.2×

  • Growth42/100

    Rev +4.5% CAGR · earnings -1.5%

  • Profitability44/100

    7% net margin · 9% ROE

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 555.33M, and a P/E ratio of 11.9x.

Financial Highlights

Investment Breakdown

Growth
Revenue and earnings growing steadily, indicating improving operating performance.
Profitability
Profitability metrics are mixed — margins may be under pressure.
Risk
Risk profile appears balanced versus broad market conditions.
Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: Moderate (50)

The scoring profile indicates limited reward potential at this time, with valuation and momentum offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

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Company Information
SectorFinancial Services
IndustryCredit Services
Market Cap555.33M
P/E Ratio11.9048
Dividend Yield3.61%
Beta0.41
Insider Activity
12M windowAwaiting coverage
LSE director-dealings coverage launching later this year. The data feed is in development.
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