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International Personal Finance Plc(LSE) IPF

Market Cap£572.27MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2007)+123%
5 Year+69%
1 Year+18%
1 Month+1%
£2.50
+0.20%
+0.00Today
International Personal Finance Plc last closing stock price
MetricPriceDate
Last closeGBX 250.002026-08-03
International Personal Finance Plc stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.6%GBX 248.502026-07-27
1 month+0.6%GBX 248.502026-07-03
3 month+1.01%GBX 247.502026-05-05
Year to date+6.84%GBX 234.002025-12-31
1 year+17.92%GBX 212.002025-08-01
3 year+99.2%GBX 125.502023-08-04
5 year+68.92%GBX 148.002021-08-04
Since inception+122.86%GBX 1.122007-07-16

International Personal Finance Plc Financials at a Glance

Market Cap

£572.27MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

£1.51B

Net Income (TTM)

£120.60M

EPS (TTM)

£0.21

P/E Ratio

11.35

Dividend

£0.13

Beta (Volatility)

0.07 (Low)

Price

£2.50

Volume

1,237,220

Open

£2.47

Previous Close

£2.50

Daily Range

£2.46 - £2.50

52-Week Range

£1.83 - £2.50

Estimated Earnings Date

Jul 29, 2026

IPF News

No articles available.

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About International Personal Finance Plc

International Personal Finance plc is a leading provider of consumer lending services across Europe and Mexico. The company specializes in home credit, small business loans, and digital financial solutions, catering to a diverse customer base through various brand names.

Products and Services
  • Home credit options including cash advances and small business loans
  • Digital financial solutions such as installment credit and mobile wallet payments
  • Complementary insurance products for home, medical, and life needs
Growth Outlook
  • Revenue increased to £413.2 million in Q2 2026, reflecting strong demand
  • Operating income rose to £88.7 million, indicating improved operational efficiency
  • Net income reached £25.2 million, showcasing profitability amidst market challenges
Financial Highlights
  • Trailing twelve-month revenue of £1.5 billion, demonstrating consistent growth
  • Dividend yield of 9.62%, appealing for income-focused investors
  • Current ratio of 14.03, indicating strong liquidity position
International Personal Finance plc has established itself as a significant player in the financial services sector, particularly in consumer lending. The company's diverse product offerings and strong market presence position it well for future growth. Recent financial performance highlights a robust revenue stream and profitability, which may attract potential investors looking for opportunities in the financial services industry. The high dividend yield further enhances its appeal, making it a noteworthy consideration for those interested in income-generating investments.
AI Generated • Aug 3, 2026

Industry

Consumer Finance

Sector

Financials

Employees

8,305

CEO

Gerard Ryan

Website

ipfin.co.uk

Headquarters

Leeds, WY LS12 1BE, GB

IPF Financials

Key Financial Metrics (TTM)

Gross Margin

96.00%

Operating Margin

20.41%

Net Income Margin

6.03%

Return on Equity

8.74%

Return on Capital

13.32%

Return on Assets

3.33%

Earnings Yield

8.81%

Dividend Yield

4.81%

Payout Ratio

58.06%

Stock Overview

Market Cap

£572.27MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

228.91M

Volume

1.24M

Avg. Volume

510.28K

Financials (TTM)

Gross Profit

£1.36B

Operating Income

£453.80M

EBITDA

£354.80M

Operating Cash Flow

-£39.40M

Capital Expenditure

-£14.20M

Free Cash Flow

-£53.60M

Cash & ST Invst.

£22.90M

Total Debt

£731.10M

International Personal Finance Plc Performance Analysis

International Personal Finance Plc annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31GBP 645,500,00017.6%
20232023-12-31GBP 767,800,00018.9%
20242024-12-31GBP 726,300,000-5.4%
20252025-12-31GBP 737,500,0001.5%
International Personal Finance Plc sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-31-4.6%
Q22025-06-30-1.9%
Q42025-12-3112.0%
Q22026-06-306.0%
International Personal Finance Plc annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31GBP 0.2436.3%
20232023-12-31GBP 0.20-16.7%
20242024-12-31GBP 0.2628.1%
20252025-12-31GBP 0.24-8.9%
International Personal Finance Plc sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-31114.0%
Q22025-06-30-23.8%
Q42025-12-31-25.9%
Q22026-06-3010.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

£413.20M

+11.2%

Gross Profit

£396.00M

+28.8%

Gross Margin

95.84%

N/A

Market Cap

£572.27MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

£70.02K

N/A

Employees

8,173

N/A

Net Income

£25.20M

+27.9%

EBITDA

£101.30M

+18.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

£22.90M

-73.5%

Total Debt

£731.10M

+29.1%

Accounts Receivable

£832.10M

+33.1%

Inventory

£0.00

N/A

Long Term Debt

£644.30M

+28.0%

Short Term Debt

£86.80M

+37.8%

Return on Assets

3.33%

N/A

Return on Invested Capital

12.01%

N/A

Free Cash Flow

-£34.20M

-232.0%

Operating Cash Flow

-£32.10M

-216.3%

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Questions About IPF

What is the current price of International Personal Finance Plc?

International Personal Finance Plc is trading at £2.50 per share.

What is the 52-week range for International Personal Finance Plc?

Over the past 52 weeks, International Personal Finance Plc has traded between £1.83 and £2.50.

How much debt does International Personal Finance Plc have?

As of the most recent reporting period, International Personal Finance Plc reported total debt of £640.30M.

How much cash does International Personal Finance Plc have on hand?

International Personal Finance Plc reported £30.40M in cash and cash equivalents in its most recent financial results.

What is International Personal Finance Plc’s dividend yield?

International Personal Finance Plc currently has a dividend yield of 4.81%.

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