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International Personal Finance

Current Price 135.50p Bid 134.00p Ask 135.00p Change 0.00%
Last Updated: 11/03/2025 04:25. Prices delayed by at least 15 minutes.
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Company Overview

International Personal Finance plc is a United Kingdom-based global financial services provider. The Company's business divisions include European home credit, Mexico home credit and IPF Digital. The Company offers a broad suite of traditional products and services to suit its customers' preferences and different credit profiles. The Company's suite of products range from home credit and digital instalment loans, a credit card and digital credit lines to a mobile wallet, insurances and other value-added services. It provides ProviGo customer app through which customers can view their account online, look at their balance, track receipts of payments and see if they can access another loan or value-added service. ProviGo also enables the Company to communicate directly with customers in real time with offers and promotions it is running.

Financial Highlights Year Ended 31/12/2024

Revenue
£726.30m
Operating Profit/Loss
£155.60m
Dividend yield (%)
8.80
Total dividend for year
n/ap
Dividend cover
2.39
P/E Ratio
4.80
More Financials

Key Personnel

Mr Gerard Ryan
Chief Executive Officer
Mr Gary Thompson
Chief Financial Officer
Mr Aileen Wallace
Independent Non-Executive Director
Mr Deborah Davis
Independent Non-Executive Director
Mr Katrina Cliffe
Independent Non-Executive Director
Mr Richard Holmes
Independent Non-Executive Director
Mr Stuart Sinclair
Independent Non-Executive Director

Stock Details

EPIC
IPFL
ISIN
GB00B1YKG049
Shares in Issue
220.97m
Market cap
£299.42m

Analyst Views (4)

Strong Buy
 
50.00%
Buy
 
50.00%
Hold
 
0%
Sell
 
0%
Strong Sell
 
0%
This information is provided by Web Financial Group (UK) Limited. It is subject to change without notice and doesn't reflect the views held by Redmayne Bentley and is not advice.

Price Summary

Mid Price
135.50p
Bid Price
134.00p
Ask Price
135.00p
Volume
0
Change Today
0.00p
% Change Today
0.00%
Open
132.50p
Previous Close
135.50p
Intraday High
135.50p
Intraday Low
135.50p
52 Week High
164.50p
52 Week Low
99.40p
52 week high and low figures quoted above are calculated from intraday price data.

Intra-Day Chart

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Income Statement

Year End Date
31 Dec 2024
31 Dec 2023
 
£ (M)
£ (M)
Continuing Operations
Revenue
726.30
767.80
Operating Profit/Loss
155.60
160.80
Net Interest
-70.40
-76.90
Pre-Tax Profit
85.20
83.90
Profit After Tax from continuing operations
60.90
48.00
Discontinued Operations
Profit After Tax
n/a
n/a
Profit/Loss for the Year
60.90
48.00
Attributable to:
Equity Holders of Parent Company
60.90
48.00
Minority Interests
n/a
n/a
Total Dividend Paid
n/ap
n/ap
Retained Profit/(Loss) for the Financial Year
n/a
n/a

Earnings per Share

Year End Date
31 Dec 2024
31 Dec 2023
Basic
24.90p
23.20p
Diluted
23.50p
21.90p
Adjusted
27.30p
21.50p
Dividend per Share
n/ap
n/ap

Assets

Year End Date
31 Dec 2024
31 Dec 2023
 
£ (M)
£ (M)
Non-Current Assets
Property, Plant & Equipment
31.70
37.70
Intangible Assets
59.70
55.90
Investment Properties
n/a
n/a
Investments
n/a
n/a
Other Financial Assets
n/a
n/a
Other Non-Current Assets
356.70
341.10
Current Assets
Inventories
n/a
n/a
Trade & Other Receivables
647.30
705.60
Cash at Bank & In Hand
27.60
42.50
Current Asset Investments
n/a
n/a
Other Current Assets
18.70
6.20
Other Assets
n/a
n/a
Total Assets
1,141.70
1,189.00

Liabilities

Year End Date
31 Dec 2024
31 Dec 2023
 
£ (M)
£ (M)
Current Liabilities
Borrowings
100.90
60.50
Other Current Liabilities
135.50
144.60
Total Current Liabilities
236.40
205.10
Non-Current Liabilities
Borrowings
434.90
474.90
Provisions
4.10
7.10
Other Non-Current Liabilities
n/a
n/a
Total Non-Current Liabilities
439.00
482.00
Other Liabilities
n/a
n/a
Total Liabilities
675.40
687.10

Net Assets

Year End Date
31 Dec 2024
31 Dec 2023
 
£ (M)
£ (M)
Net Assets
466.30
501.90

Capital & Reserves

Year End Date
31 Dec 2024
31 Dec 2023
 
£ (M)
£ (M)
Share Capital
22.50
23.40
Share Premium Account
n/a
n/a
Other Reserves
-69.60
-24.70
Retained Earnings
513.40
503.20
Shareholders Funds
466.30
501.90
Minority Interests/Other Equity
n/a
n/a
Total Equity
466.30
501.90

Dividend History

Type
Ex-Dividend Date
Payment Date
Payment
Final
10 Apr 2025
12 May 2025
8.00p
Interim
29 Aug 2024
27 Sep 2024
3.40p
Final
11 Apr 2024
10 May 2024
7.20p
Interim
31 Aug 2023
29 Sep 2023
3.10p
Final
06 Apr 2023
05 May 2023
6.50p
Interim
01 Sep 2022
30 Sep 2022
2.70p
Final
07 Apr 2022
06 May 2022
5.80p
Interim
02 Sep 2021
01 Oct 2021
2.20p
Interim
05 Sep 2019
04 Oct 2019
4.60p
Final
11 Apr 2019
10 May 2019
7.80p
Interim
06 Sep 2018
05 Oct 2018
4.60p
Final
12 Apr 2018
11 May 2018
7.80p
Interim
07 Sep 2017
06 Oct 2017
4.60p
Final
13 Apr 2017
12 May 2017
7.80p
Interim
01 Sep 2016
07 Oct 2016
4.60p
Final
07 Apr 2016
13 May 2016
7.80p
Interim
03 Sep 2015
02 Oct 2015
4.60p

Dividend Metrics

Year End Date
31 Dec 2024
31 Dec 2023
Dividend growth
10.68%
11.96%
Dividend yield
8.80%
8.60%
Dividend cover
2.39
2.09


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