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
 11:35:14 2024-04-26 am EDT 		5-day change 1st Jan Change
106 GBX +0.47% Intraday chart for International Personal Finance plc +4.95% -10.92%
Mar. 14 EARNINGS AND TRADING: Castillo losses double; GCP proposes wind-down AN
Mar. 14 Stocks down as US producer inflation disappoints AN

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 359.5 181 285.3 162.6 266.5 238.1 - -
Enterprise Value (EV) 1 359.5 556.7 715.2 162.6 266.5 238.1 238.1 238.1
P/E ratio 5.31 x -2.82 x 7.25 x 3.01 x 5.89 x 5.68 x 4.34 x 3.58 x
Yield 7.7% - 6.2% 12.6% 8.66% 10.3% 11.3% 12.3%
Capitalization / Revenue 0.4 x 0.27 x 0.52 x 0.25 x 0.35 x 0.31 x 0.29 x 0.26 x
EV / Revenue 0.4 x 0.27 x 0.52 x 0.25 x 0.35 x 0.31 x 0.29 x 0.26 x
EV / EBITDA - - - - 741,443 x - - -
EV / FCF - - - - 3.29 x 1.96 x 1.74 x 2.03 x
FCF Yield - - - - 30.4% 50.9% 57.4% 49.3%
Price to Book 0.83 x 0.49 x 0.78 x 0.36 x 0.53 x 0.49 x 0.46 x 0.43 x
Nbr of stocks (in thousands) 223,292 222,078 221,169 222,429 223,991 224,599 - -
Reference price 2 1.610 0.8150 1.290 0.7310 1.190 1.060 1.060 1.060
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 1 889.1 661.3 548.7 645.5 767.8 762.7 829.9 901.6
EBITDA - - - - 359.5 - - -
EBIT 1 177.5 26.2 121.7 145.5 330.2 167.8 196.8 191.8
Operating Margin 19.96% 3.96% 22.18% 22.54% 43.01% 22% 23.71% 21.27%
Earnings before Tax (EBT) 1 114 -40.7 67.7 77.4 83.9 71.97 92.82 112.4
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% 5.47% 6.65% 7.38%
EPS 2 0.3030 -0.2890 0.1780 0.2430 0.2020 0.1866 0.2442 0.2958
Free Cash Flow 1 - - - - 81.1 121.2 136.7 117.3
FCF margin - - - - 10.56% 15.89% 16.47% 13.01%
FCF Conversion (EBITDA) - - - - 22.56% - - -
FCF Conversion (Net income) - - - - 168.96% 290.3% 247.87% 176.26%
Dividend per Share 2 0.1240 - 0.0800 0.0920 0.1030 0.1091 0.1194 0.1307
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 2024 S1 2024 S2 2025 S1 2025 S2
Net sales 1 - 380 387.8 391.4 407.2 418.8 443.8
EBITDA - 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 1 - - - - 81.1 121 137 117
ROE (net income / shareholders' equity) 16.5% -13.2% 11.4% 11.5% 11.1% 8.85% 11% 12.4%
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 1 - - - - 4.7 8 8.6 9.2
Capex / Sales - - - - 0.61% 1.05% 1.04% 1.02%
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
3
Last Close Price
1.06 GBP
Average target price
1.767 GBP
Spread / Average Target
+66.67%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

Sector Other Consumer Lending

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Other Consumer Lending
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