# International Personal Finance plc (IPF.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Consumer Finance. Price 250p, market value 555 millionp.

## Valuation
- **P/E (trailing): 11.9×** (5-yr avg 617.1×, 3-yr avg 689.3×). International Personal Finance plc trades at 11.9× trailing earnings, well below its own five-year average of 617.1×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.4×**. Each dollar of revenue is priced at 0.4×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 101.7×**. The shares trade at 101.7× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 3.5×**. Enterprise value is 3.5× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 1.2%** (5-yr avg -0.0%). Free cash flow equals 1.2% of the market value, above its five-year average of -0.0%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Gross margin: 87.1%**. International Personal Finance plc keeps 87.1% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 35.2%**. 35.2% of revenue is left after running the business, an exceptional level.
- **Net margin: 7.3%**. 7.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.9%**. 9.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 29.5%**. Return on all capital, debt included, is 29.5%: comfortably above what that capital costs.
- **Return on assets: 8.6%**. Each dollar of assets produces 8.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 12.4%** (3-yr 4.5%/yr, 5-yr 2.2%/yr). Revenue grew 12.4% over the last year, against 2.2% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -7.7%** (3-yr 0.0%/yr). Earnings per share fell 7.7%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: 30 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 5.12%** (0p per share, trailing). International Personal Finance plc yields 5.12%, an income-level yield.
- **Payout ratio: 48%** (765% of free cash flow). 48% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Shareholder yield: 8.0%**. Dividends plus net buybacks return 8.0% of the market value a year.

## Analyst view
- **Analyst consensus: strong_buy** (1 analyst). 1 analysts cover International Personal Finance plc; the consensus is strong_buy, with an average price target of 185p (-26% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 18.0%** (YTD 6.9%, 3-mo 1.0%). The shares are up 18.0% over twelve months including dividends.
- **From 52-week high: -2.9%** (28.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 63**. An RSI of 63 is neutral.
- **Beta (1 yr): 0.24** (volatility 19%). Beta of 0.24 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IPF.L · Page: https://foliofundamentals.com/stocks/ipf.l

Not investment advice.