Stock IPF INTERNATIONAL PERSONAL FINANCE PLC
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Financials International Personal Finance plc

Equities

IPF

GB00B1YKG049

Consumer Lending

Market Closed - London S.E.
Other stock markets
 11:35:17 2024-07-05 am EDT 		5-day change 1st Jan Change
128.5 GBX -0.77% Intraday chart for International Personal Finance plc +1.18% +7.98%
Jun. 20 Transcript : International Personal Finance plc - Special Call
Jun. 19 Fitch Raises International Personal Finance’s Rating on Enhanced Business Profile MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 359.5 181 285.3 162.6 266.5 291.3 - -
Enterprise Value (EV) 1 359.5 556.7 715.2 162.6 266.5 291.3 291.3 291.3
P/E ratio 5.31 x -2.82 x 7.25 x 3.01 x 5.89 x 7.11 x 5.3 x 4.37 x
Yield 7.7% - 6.2% 12.6% 8.66% 8.5% 9.3% 10.2%
Capitalization / Revenue 0.4 x 0.27 x 0.52 x 0.25 x 0.35 x 0.41 x 0.38 x 0.35 x
EV / Revenue 0.4 x 0.27 x 0.52 x 0.25 x 0.35 x 0.41 x 0.38 x 0.35 x
EV / EBITDA - - - - 741,443 x - - -
EV / FCF - - - - 3,286,668 x - - -
FCF Yield - - - - 0% - - -
Price to Book 0.83 x 0.49 x 0.78 x 0.36 x 0.53 x 0.59 x 0.56 x 0.52 x
Nbr of stocks (in thousands) 223,292 222,078 221,169 222,429 223,991 226,729 - -
Reference price 2 1.610 0.8150 1.290 0.7310 1.190 1.285 1.285 1.285
Announcement Date 2/26/20 3/3/21 2/23/22 3/1/23 3/14/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 889.1 661.3 548.7 645.5 767.8 706.6 769.7 839.2
EBITDA - - - - 359.5 - - -
EBIT 1 177.5 26.2 121.7 145.5 330.2 161.8 193.2 217.5
Operating Margin 19.96% 3.96% 22.18% 22.54% 43.01% 22.9% 25.1% 25.92%
Earnings before Tax (EBT) 1 114 -40.7 67.7 77.4 83.9 69.74 92.22 111.8
Net income 1 71.8 -64.2 41.9 56.8 48 41.75 55.15 66.55
Net margin 8.08% -9.71% 7.64% 8.8% 6.25% 5.91% 7.16% 7.93%
EPS 2 0.3030 -0.2890 0.1780 0.2430 0.2020 0.1807 0.2427 0.2943
Free Cash Flow - - - - 81.1 - - -
FCF margin - - - - 10.56% - - -
FCF Conversion (EBITDA) - - - - 22.56% - - -
FCF Conversion (Net income) - - - - 168.96% - - -
Dividend per Share 2 0.1240 - 0.0800 0.0920 0.1030 0.1092 0.1195 0.1305
Announcement Date 2/26/20 3/3/21 2/23/22 3/1/23 3/14/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2022 S1 2023 S1 2023 S2
Net sales 1 - 380 387.8
EBITDA 1 - 89.8 269.7
EBIT - 75.7 -
Operating Margin - 19.92% -
Earnings before Tax (EBT) 33.8 - -
Net income - - -
Net margin - - -
EPS - - -
Dividend per Share - - -
Announcement Date - 8/1/23 3/14/24
1GBP in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - 376 430 - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - 81.1 - - -
ROE (net income / shareholders' equity) 16.5% -13.2% 11.4% 11.5% 11.1% 8.9% 11% 12.5%
ROA (Net income/ Total Assets) 11.3% -4.54% - 4.27% 4.41% 3.5% 4.3% 5%
Assets 1 635.4 1,413 - 1,331 1,089 1,193 1,283 1,331
Book Value Per Share 2 1.950 1.670 1.640 2.000 2.240 2.170 2.300 2.480
Cash Flow per Share - - -0.1100 - - - - -
Capex - - - - 4.7 - - -
Capex / Sales - - - - 0.61% - - -
Announcement Date 2/26/20 3/3/21 2/23/22 3/1/23 3/14/24 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for International Personal Finance plc

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
1.285 GBP
Average target price
1.85 GBP
Spread / Average Target
+43.97%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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Other Consumer Lending
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