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About the company
International Personal Finance plc is a United Kingdom-based global financial services company. The Company's business divisions include European home credit, Mexico home credit and IPF Digital. The Company offers a suite of traditional products and services that are tailored to its customers’ preferences and different credit profiles. It has built a suite of products ranging from home credit and digital installment loans through to a credit card, digital credit lines and a mobile wallet. It also offers a range of insurance and other value-added services which are underwritten by third-party partners. Its brands include Provident, Creditea and Credit24. It provides a 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 the offers and promotions it is running.
- Revenue in GBP (TTM)702.40m
- Net income in GBP72.20m
- Incorporated2006
- Employees6.67k
- LocationInternational Personal Finance PLC26 Whitehall RoadLEEDS LS12 1BEUnited KingdomGBR
- Phone+44 113 539 5466
- Fax+44 113 245 1675
- Websitehttps://www.ipfin.co.uk/
Peer analysis
- Key Information
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- Per Share Data
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- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Distribution Finance Capital Holdngs PLC | 83.88m | 13.90m | 110.04m | 136.00 | 9.02 | 1.01 | 7.29 | 1.31 | 0.0732 | 0.0732 | 0.4418 | 0.6558 | 0.1091 | -- | 23.37 | 616,742.60 | 1.81 | 0.4066 | 11.11 | 1.84 | 58.87 | 61.45 | 16.57 | 5.04 | -- | -- | 0.8563 | 0.00 | 28.45 | 44.03 | 344.41 | -- | 13.19 | -- |
| ASA International Group PLC | 198.34m | 31.40m | 224.00m | 14.23k | 7.13 | 2.19 | 6.06 | 1.13 | 0.314 | 0.314 | 1.98 | 1.02 | 0.45 | -- | 7.96 | 13,936.13 | 7.02 | 2.24 | 13.74 | 4.60 | -- | -- | 15.60 | 6.47 | -- | 2.89 | 0.7772 | 6.37 | 42.88 | 4.90 | 217.72 | -2.97 | 16.93 | -- |
| S&U PLC | 107.00m | 19.95m | 289.19m | 248.00 | 14.49 | 1.20 | 14.16 | 2.70 | 1.64 | 1.64 | 8.81 | 19.85 | 0.2342 | -- | 67.83 | 431,455.70 | 4.37 | 6.89 | 4.44 | 7.03 | 84.80 | 81.02 | 18.65 | 25.66 | -- | 2.95 | 0.433 | 52.32 | 0.1507 | 5.15 | -29.58 | -9.11 | 18.94 | -3.58 |
| Vanquis Banking Group PLC | 591.10m | -78.60m | 303.18m | 1.38k | -- | 0.6974 | -- | 0.5129 | -0.3071 | -0.3044 | 2.28 | 1.69 | 0.181 | -- | 7.90 | 429,890.90 | -2.41 | 0.3303 | -2.45 | 0.3405 | 74.62 | -- | -13.30 | 1.70 | -- | -- | 0.8712 | 171.57 | 0.9908 | -9.60 | -919.66 | -- | -30.93 | -- |
| Funding Circle Holdings PLC | 180.90m | 8.40m | 471.24m | 721.00 | 67.41 | 2.45 | 22.23 | 2.60 | 0.0232 | 0.0675 | 0.4763 | 0.6387 | 0.4781 | -- | 9.62 | 250,901.50 | 2.22 | -2.22 | 3.81 | -4.11 | -- | -- | 4.64 | -7.82 | -- | -- | 0.4722 | -- | 24.92 | -0.1799 | 103.66 | -- | -7.10 | -- |
| International Personal Finance Plc | 702.40m | 72.20m | 516.61m | 6.67k | 7.53 | 1.03 | 5.10 | 0.7355 | 0.3119 | 0.3119 | 3.04 | 2.29 | 0.5799 | -- | 1.08 | 105,291.60 | 5.96 | 2.55 | 7.25 | 3.09 | 90.19 | 90.49 | 10.28 | 4.28 | -- | 55.88 | 0.5393 | 51.46 | -5.41 | -3.96 | 26.88 | -3.24 | -5.08 | 19.90 |
| Holder | Shares | % Held |
|---|---|---|
| Artemis Investment Management LLPas of 16 Jan 2026 | 30.18m | 13.73% |
| FIAM LLCas of 31 Dec 2024 | 11.48m | 5.22% |
| Marathon Asset Management Ltd.as of 31 Dec 2024 | 10.61m | 4.83% |
| Jupiter Asset Management Ltd.as of 31 Dec 2024 | 10.61m | 4.83% |
| Janus Henderson Investors UK Ltd.as of 30 Dec 2025 | 9.50m | 4.32% |
| Barclays Wealth Trustees (India) Pvt Ltd.as of 29 Jan 2026 | 9.47m | 4.31% |
| J.O. Hambro Capital Management Ltd.as of 29 Jan 2026 | 8.86m | 4.03% |
| Soci�t� G�n�rale Gestion SAas of 22 Jan 2026 | 7.36m | 3.35% |
| Schroder Investment Management Ltd.as of 29 Jan 2026 | 7.15m | 3.25% |
| BNP Paribas Asset Management Europe SASas of 31 Dec 2024 | 6.57m | 2.99% |
