International Personal Finance (IPF) Share Price, News & Analysis

Company Overview

International Personal Finance plc is helping to build a better world through financial inclusion by providing affordable credit products and insurance services to underserved consumers across nine markets. Our 1.7 million customers, who have low to medium incomes and a limited credit history, turn to us to fulfil their plans when it really matters. As a group of people who are often financially excluded, we play a vital role in society by responsibly providing unsecured, affordable credit tailored to meet their personal needs and financial circumstances, as well as a variety of great value home, medical and life insurances to help them and their families. There is significant demand for affordable credit within our target demographic, and we see substantial and sustainable long-term growth opportunities through meeting the needs of more consumers with an increased choice of products and distribution channels. Our history of growth and innovation has successfully helped meet the credit needs of more than 15 million customers, created genuine career opportunities for our people to develop and grow, and generated more than £1 billion of profit in the past decade. For more information visit www.ipfin.co.uk.

Key Stats

• Today's Range: 247.50 to 248.50
• 50-Day Range: 240.50 to 255
• 52-Week Range: 149.20 to 257.50
• Volume: 5.07 million shs
• Average Volume: 3.94 million shs
• Market Capitalization: £545.67 million
• P/E Ratio: 10.51
• Dividend Yield: 5.17%
• Price Target: N/A
• Consensus Rating: Sell

International Personal Finance Stock Analysis - MarketRank™

International Personal Finance scored higher than 30% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 0.7 / 5
• Analyst Rating: Sell

Consensus Rating

International Personal Finance has received a consensus rating of Sell. The company's average rating score is 1.00, and is based on no strong buy ratings, no buy ratings, no hold ratings, and 1 sell rating.

Amount of Analyst Coverage

International Personal Finance has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of International Personal Finance is 10.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of International Personal Finance is 10.49, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 16.03.

Price to Earnings Growth Ratio

International Personal Finance has a PEG Ratio of 0.32. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

International Personal Finance has a P/B Ratio of 1.22. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for IPF.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

International Personal Finance is a leading dividend payer. It pays a dividend yield of 5.17%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

International Personal Finance does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of International Personal Finance is 50.00%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 1.1 / 5
• News Sentiment: -0.26

News Sentiment

International Personal Finance has a news sentiment score of -0.26. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.91 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for International Personal Finance this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, International Personal Finance insiders have sold more of their company's stock than they have bought. Specifically, they have bought GBX 0 in company stock and sold £885,359.15 in company stock.

Percentage Held by Insiders

1.89% of the stock of International Personal Finance is held by insiders.

Percentage Held by Institutions

50.56% of the stock of International Personal Finance is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 2/25/2026
• Today: 5/15/2026

Industry, Sector and Symbol

• Stock Exchange: LON
• Sector: Financial Services
• Industry: Credit Services
• Sub-Industry: Electronic Equipment
• Current Symbol: LON:IPF
• CIK: N/A
• Web: www.ipfin.co.uk
• Phone: +44-113-2856700
• Fax: N/A
• Employees: 6,230
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): GBX 23.60
• Trailing P/E Ratio: 10.51
• Forward P/E Ratio: 11.22
• P/E Growth: 0.32
• Net Income: £44.87 million
• Net Margins: 7.35%
• Pretax Margin: N/A
• Return on Equity: 10.35%
• Return on Assets: 8.81%

Debt

• Debt-to-Equity Ratio: 119.87
• Current Ratio: 16.49
• Quick Ratio: 3.69

Sales & Book Value

• Annual Sales: £666.20 million
• Price / Sales: 0.82
• Cash Flow: GBX 65.84 per share
• Price / Cash Flow: 3.77
• Book Value: GBX 202.40 per share
• Price / Book: 1.23

Miscellaneous

• Outstanding Shares: 220,030,000
• Free Float: N/A
• Market Cap: £545.67 million
• Optionable: Not Optionable
• Beta: 0.42