International Personal Finance PLC (IPF)

Industry Credit Services

This stock can be held in an Investment ISA, SIPP and Investment Account
Sell

153.00p

Buy

153.60p

arrow-up0.40p (+0.26%)

International Personal Finance PLC provides home credit to customers under provident brand. The company primarily provides home credit and digital credit.
Prices updated at 16 May 2025, 16:35 BST
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Prices in GBX

Income statement

20172018201920202021202220232024
771m808m826m615m495m577m691m656m
--------
--------
--------
37m75m72m-64m42m57m48m61m
--------
Sales, General and administrative329m331m331m296m259m272m309m308m
Interest expenses55m59m64m57m54m68m77m72m
Provision for income taxes61m34m42m24m26m21m36m12m
Operating expenses464m472m468m405m371m393m438m443m
Income before taxes106m109m114m-41m68m77m84m73m
Net income available to common shareholders37m75m72m-64m42m57m48m61m
0.1650.3380.322-0.2890.1880.2560.2150.273
Net interest income771m808m826m615m495m577m691m656m
Advertising and promotion--------
Net investment income, net--------
Realised capital gains (losses), net--------
Total benefits, claims and expenses--------
Earnings per share (diluted)0.1580.3220.303-0.2890.1780.2430.2020.259
Free cash flow per share-0.08510.1375-0.01820.63120.0357-0.26450.07710.2159
Book value/share2.13791.65041.93771.65851.68171.81282.06622.2151
Debt equity ratio1.3638561.6127021.5946381.3797571.3356031.2807731.0667461.149046

Balance sheet

20172018201920202021202220232024
Current assets--------
Current liabilities--------
Total capital1,175m1,131m1,113m863m839m994m1,014m982m
Total debt678m698m696m511m490m570m535m536m
Total equity497m433m436m371m367m445m502m466m
Total non current liabilities--------
Loans--------
Total assets1,343m1,323m1,323m1,024m999m1,171m1,189m1,142m
Total liabilities--------
Cash and cash equivalents27m47m37m116m42m51m43m28m
Common stock223m234m234m234m222m223m224m217m

Cash flow

20172018201920202021202220232024
Cash at beginning of period43m27m47m37m116m42m51m43m
Cash dividends paid-28m-28m-28m--5m-19m-21m-24m
-33m34m33m268m-40m-25m63m600,000
Investments (gains) losses-21m-26m-31m-15m-15m-23m-23m-24m
27m47m37m116m42m51m43m28m
Net income--------
-8m60m64m284m-25m-900,00086m25m
-25m-26m-31m-15m-15m-24m-23m-24m
The figures shown in the tables are quoted in the currency of the stock selected.
Please note that past performance is not a reliable indicator of future returns. Please use the interactive graph for benchmark comparison.


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