Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
International Personal Finance plc is a British-based global financial services company specializing in home credit and digital consumer credit. It serves approximately 1.7 million customers across nine markets, including Poland, Hungary, Romania, the Czech Republic, Mexico, Australia, Latvia, Lithuania, and Estonia, targeting individuals with low to medium incomes who face challenges accessing traditional bank financing. The company offers unsecured, affordable credit through personalized home visits by 17,500 agents and fully digital online platforms, complemented by great-value insurance products delivered responsibly. Established as a division of Provident Financial in 1997 and demerged in 2007, International Personal Finance plc emphasizes financial inclusion to support everyday needs and long-term planning, operating under a code of ethics that prioritizes respect, responsibility, and straightforwardness. Headquartered in Leeds, United Kingdom, it plays a key role in non-deposit taking consumer credit, fostering access to finance in underserved communities worldwide.
£2.49
£0.01 (-0.20%)
EOD Jul 3, 2026
Revenue growth slowed to 1.6%, essentially flat. This is a business that needs a catalyst.
Free cash flow declined 6717% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -£40M. The business is consuming cash, not generating it.
10.5x earnings. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£666M
▲ +1.6% YoY
Net Income (TTM)
£54M
▼ -11.0% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
-£40M
▼ -6716.7% YoY
Op. Cash Flow (TTM)
£137M
▲ +10.8% YoY
Net Debt
£610M
Cash & Equiv.
£30M
3Y CAGR: +4.9%
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At a P/E of 10.5, International Personal Finance (IPF.XLON)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, International Personal Finance scores 25/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 4.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
International Personal Finance scores 25 out of 100 on Intrinsiqq's quality score, a weighted blend of 5 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, International Personal Finance pays a regular dividend of about £0.12 per share per year (typically in quarterly installments), a yield of roughly 4.8% at the current price. That is a payout ratio of about 47.6% of earnings, so the dividend is well covered. International Personal Finance has grown the dividend at roughly 51.5% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For IPF.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh IPF.XLON's valuation and scores 25/100 on quality (lower-quality). It also yields about 4.8%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.