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International Personal Finance plc IPFPF

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Price alert · IPFPF

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2.83 USD 0.00 0.00%

At close · Aug 10

0.65 Day range 2.83
0.65 52-week range 2.83
YTD
0.00%
1 year
+88.67%
Open
2.83
Prev close
2.83
Mkt cap
628.63M
Vol
1.00K
Avg vol
811
EPS
0.3182
P/E
8.89
More statistics
Low
0.65
High
2.83

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Financial health

Altman Z-Score

2.68 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 8.8×
FY 2016: 9.6×FY 2017: 9.8×FY 2018: 5.2×FY 2019: 5.3×FY 2020: -5.0×FY 2021: 6.8×FY 2022: 1.9×FY 2023: 2.6×FY 2024: 4.4×FY 2025: 8.8×
FY 2016 5y median 4.4× FY 2025
P/S 0.8×
FY 2016: 0.9×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.8×
FY 2016 5y median 0.4× FY 2025
P/B 1.1×
FY 2016: 1.5×FY 2017: 0.7×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.6×FY 2025: 1.1×
FY 2016 5y median 0.6× FY 2025
P/FCF -51.9×
FY 2016: -277×FY 2017: -11.3×FY 2018: 11.5×FY 2019: 11.5×FY 2020: 1.2×FY 2021: -7.2×FY 2022: -4.5×FY 2023: 1.9×FY 2024: 445×FY 2025: -51.9×
FY 2016 5y median -4.5× FY 2025
EV/EBITDA 6.6×
FY 2016: 7.5×FY 2017: 5.6×FY 2018: 5.5×FY 2019: 4.9×FY 2020: 9.8×FY 2021: 4.9×FY 2022: 3.6×FY 2023: 3.2×FY 2024: 7.6×FY 2025: 6.6×
FY 2016 5y median 4.9× FY 2025
EV/Sales 1.7×
FY 2016: 1.7×FY 2017: 1.3×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 1.2×FY 2025: 1.7×
FY 2016 5y median 1.2× FY 2025
FCF Yield -1.9%
FY 2016: -0.4%FY 2017: -8.9%FY 2018: 8.7%FY 2019: 8.7%FY 2020: 82.4%FY 2021: -13.9%FY 2022: -22.4%FY 2023: 52.1%FY 2024: 0.2%FY 2025: -1.9%
FY 2016 5y median -1.9% FY 2025

Profitability

Gross Margin 96.1%
FY 2016: 74.2%FY 2017: 73.9%FY 2018: 71.9%FY 2019: 70.5%FY 2020: 62.6%FY 2021: 79.9%FY 2022: 83.5%FY 2023: 77.9%FY 2024: 100.0%FY 2025: 96.1%
FY 2016 5y median 83.5% FY 2025
Operating Margin 21.7%
FY 2016: 19.5%FY 2017: 19.8%FY 2018: 20.8%FY 2019: 13.8%FY 2020: 20.4%FY 2021: 42.5%FY 2022: 41.4%FY 2023: 37.7%FY 2024: 32.4%FY 2025: 21.7%
FY 2016 5y median 37.7% FY 2025
Net Margin 7.3%
FY 2016: 9.3%FY 2017: 4.7%FY 2018: 9.3%FY 2019: 8.7%FY 2020: -9.7%FY 2021: 7.6%FY 2022: 8.8%FY 2023: 6.3%FY 2024: 9.3%FY 2025: 7.3%
FY 2016 5y median 7.6% FY 2025
ROE 9.9%
FY 2016: 15.6%FY 2017: 7.4%FY 2018: 17.4%FY 2019: 16.5%FY 2020: -17.3%FY 2021: 11.4%FY 2022: 12.8%FY 2023: 9.6%FY 2024: 13.1%FY 2025: 9.9%
FY 2016 5y median 11.4% FY 2025
ROIC 7.6%
FY 2016: 73.9%FY 2017: 56.9%FY 2018: 6430.9%FY 2019: 310.8%FY 2020: 108.0%FY 2021: 441.2%FY 2022: 91.2%FY 2023: 16.0%FY 2024: 14.4%FY 2025: 7.6%
FY 2016 5y median 16.0% FY 2025
ROA 4.1%
FY 2016: 5.5%FY 2017: 2.7%FY 2018: 5.7%FY 2019: 5.4%FY 2020: -6.3%FY 2021: 4.2%FY 2022: 4.9%FY 2023: 4.0%FY 2024: 5.3%FY 2025: 4.1%
FY 2016 5y median 4.2% FY 2025

Growth (YoY)

Revenue 12.4%
FY 2016: 3.2%FY 2017: 7.6%FY 2018: 4.8%FY 2019: 2.2%FY 2020: -19.9%FY 2021: -17.0%FY 2022: 17.6%FY 2023: 18.9%FY 2024: -14.6%FY 2025: 12.4%
FY 2016 FY 2025
Operating Income -24.8%
FY 2016: -1.5%FY 2017: 9.1%FY 2018: 10.1%FY 2019: -32.1%FY 2020: 18.3%FY 2021: 72.8%FY 2022: 14.5%FY 2023: 8.4%FY 2024: -26.5%FY 2025: -24.8%
FY 2016 FY 2025
EPS (diluted) -7.7%
FY 2016: 7.4%FY 2017: -44.8%FY 2018: 100.0%FY 2019: -6.3%FY 2020: -196.7%FY 2021: 162.1%FY 2022: 33.3%FY 2023: -16.7%FY 2024: 30.0%FY 2025: -7.7%
FY 2016 FY 2025
Free Cash Flow -2083.0%
FY 2016: 51.1%FY 2017: -1326.1%FY 2018: 204.3%FY 2019: -4.1%FY 2020: 717.4%FY 2021: -115.0%FY 2022: 38.6%FY 2023: 355.9%FY 2024: -99.1%FY 2025: -2083.0%
FY 2016 FY 2025

Financial Health

Current Ratio 16.5×
FY 2016: 4.7×FY 2017: 2.6×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 1.3×FY 2021: 0.5×FY 2022: 3.7×FY 2023: 3.5×FY 2024: 1.9×FY 2025: 16.5×
FY 2016 5y median 3.5× FY 2025
Quick Ratio 16.5×
FY 2016: 4.7×FY 2017: 2.6×FY 2018: 0.4×FY 2019: 0.6×FY 2020: 1.3×FY 2021: 0.5×FY 2022: 3.7×FY 2023: 3.5×FY 2024: 1.9×FY 2025: 16.5×
FY 2016 5y median 3.5× FY 2025
Debt / Equity 1.2×
FY 2016: 1.5×FY 2017: 1.4×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 3.3×
FY 2016: 3.6×FY 2017: 3.5×FY 2018: 3.4×FY 2019: 3.1×FY 2020: 5.4×FY 2021: 3.0×FY 2022: 3.0×FY 2023: 2.6×FY 2024: 5.0×FY 2025: 3.3×
FY 2016 5y median 3.0× FY 2025
Interest Coverage 2.2×
FY 2016: 3.0×FY 2017: 2.8×FY 2018: 2.9×FY 2019: 1.8×FY 2020: 2.5×FY 2021: 4.3×FY 2022: 3.9×FY 2023: 3.8×FY 2024: 3.0×FY 2025: 2.2×
FY 2016 5y median 3.8× FY 2025

Dividends

Dividend Yield 4.2%
FY 2016: 4.3%FY 2017: 7.5%FY 2018: 7.0%FY 2019: 7.3%FY 2020: 0.0%FY 2021: 1.7%FY 2022: 17.2%FY 2023: 17.7%FY 2024: 8.9%FY 2025: 4.2%
FY 2016 5y median 8.9% FY 2025
Payout Ratio 47.6%
FY 2016: 41.0%FY 2017: 75.4%FY 2018: 36.7%FY 2019: 38.6%FY 2020: 0.0%FY 2021: 11.7%FY 2022: 33.3%FY 2023: 44.8%FY 2024: 39.2%FY 2025: 47.6%
FY 2016 5y median 39.2% FY 2025

Annual · latest fiscal year ends 2025-12-31