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
0.40p (+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
Important documents: Please ensure that you have read the Pre-sale Illustrations document & Doing Business with Fidelity document (incorporating the Fidelity Client Terms) and
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Income statement
Year | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
---|---|---|---|---|---|---|---|---|
771m | 808m | 826m | 615m | 495m | 577m | 691m | 656m | |
- | - | - | - | - | - | - | - | |
- | - | - | - | - | - | - | - | |
- | - | - | - | - | - | - | - | |
37m | 75m | 72m | -64m | 42m | 57m | 48m | 61m | |
- | - | - | - | - | - | - | - | |
Sales, General and administrative | 329m | 331m | 331m | 296m | 259m | 272m | 309m | 308m |
Interest expenses | 55m | 59m | 64m | 57m | 54m | 68m | 77m | 72m |
Provision for income taxes | 61m | 34m | 42m | 24m | 26m | 21m | 36m | 12m |
Operating expenses | 464m | 472m | 468m | 405m | 371m | 393m | 438m | 443m |
Income before taxes | 106m | 109m | 114m | -41m | 68m | 77m | 84m | 73m |
Net income available to common shareholders | 37m | 75m | 72m | -64m | 42m | 57m | 48m | 61m |
0.165 | 0.338 | 0.322 | -0.289 | 0.188 | 0.256 | 0.215 | 0.273 | |
Net interest income | 771m | 808m | 826m | 615m | 495m | 577m | 691m | 656m |
Advertising and promotion | - | - | - | - | - | - | - | - |
Net investment income, net | - | - | - | - | - | - | - | - |
Realised capital gains (losses), net | - | - | - | - | - | - | - | - |
Total benefits, claims and expenses | - | - | - | - | - | - | - | - |
Earnings per share (diluted) | 0.158 | 0.322 | 0.303 | -0.289 | 0.178 | 0.243 | 0.202 | 0.259 |
Free cash flow per share | -0.0851 | 0.1375 | -0.0182 | 0.6312 | 0.0357 | -0.2645 | 0.0771 | 0.2159 |
Book value/share | 2.1379 | 1.6504 | 1.9377 | 1.6585 | 1.6817 | 1.8128 | 2.0662 | 2.2151 |
Debt equity ratio | 1.363856 | 1.612702 | 1.594638 | 1.379757 | 1.335603 | 1.280773 | 1.066746 | 1.149046 |
Balance sheet
Year | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
---|---|---|---|---|---|---|---|---|
Current assets | - | - | - | - | - | - | - | - |
Current liabilities | - | - | - | - | - | - | - | - |
Total capital | 1,175m | 1,131m | 1,113m | 863m | 839m | 994m | 1,014m | 982m |
Total debt | 678m | 698m | 696m | 511m | 490m | 570m | 535m | 536m |
Total equity | 497m | 433m | 436m | 371m | 367m | 445m | 502m | 466m |
Total non current liabilities | - | - | - | - | - | - | - | - |
Loans | - | - | - | - | - | - | - | - |
Total assets | 1,343m | 1,323m | 1,323m | 1,024m | 999m | 1,171m | 1,189m | 1,142m |
Total liabilities | - | - | - | - | - | - | - | - |
Cash and cash equivalents | 27m | 47m | 37m | 116m | 42m | 51m | 43m | 28m |
Common stock | 223m | 234m | 234m | 234m | 222m | 223m | 224m | 217m |
Cash flow
Year | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
---|---|---|---|---|---|---|---|---|
Cash at beginning of period | 43m | 27m | 47m | 37m | 116m | 42m | 51m | 43m |
Cash dividends paid | -28m | -28m | -28m | - | -5m | -19m | -21m | -24m |
-33m | 34m | 33m | 268m | -40m | -25m | 63m | 600,000 | |
Investments (gains) losses | -21m | -26m | -31m | -15m | -15m | -23m | -23m | -24m |
27m | 47m | 37m | 116m | 42m | 51m | 43m | 28m | |
Net income | - | - | - | - | - | - | - | - |
-8m | 60m | 64m | 284m | -25m | -900,000 | 86m | 25m | |
-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.