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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 to suit 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 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)767.80m
- Net income in GBP48.00m
- Incorporated2006
- Employees6.56k
- LocationInternational Personal Finance PLC26 Whitehall RoadLEEDS LS12 1BEUnited KingdomGBR
- Phone+44 113 539 5466
- Fax+44 113 245 1675
- Websitehttps://www.ipfin.co.uk/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- 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 | 61.06m | 3.16m | 52.91m | 126.00 | 17.17 | 0.527 | 13.13 | 0.8666 | 0.0172 | 0.0172 | 0.3257 | 0.5598 | 0.0958 | -- | 26.85 | 484,603.20 | 0.4951 | -0.9825 | 3.01 | -3.06 | 62.24 | 60.87 | 5.17 | -14.22 | -- | 213.78 | 0.8537 | -- | 127.52 | 63.80 | -67.68 | -- | -10.31 | -- |
| West Bromwich Building Society | 245.50m | 21.60m | 53.36m | 626.00 | -- | 0.2486 | 1.90 | 0.4973 | -- | -- | 83.26 | 339.85 | -- | -- | -- | -- | 0.3745 | 0.231 | -- | -- | -- | -- | 20.13 | 16.90 | -- | -- | -- | -- | 45.90 | 5.11 | 7.38 | 27.10 | 1.90 | -- |
| ASA International Group PLC | 125.93m | 7.25m | 65.59m | 13.60k | 9.05 | 1.07 | 5.80 | 0.5209 | 0.0725 | 0.0725 | 1.26 | 0.6138 | -- | -- | -- | -- | -- | 2.47 | -- | 5.00 | -- | -- | 5.48 | 7.50 | -- | 3.30 | 0.8228 | -- | -15.10 | 1.10 | -48.55 | -17.42 | 25.53 | -- |
| Trufin PLC | 18.13m | -5.51m | 87.84m | 191.00 | -- | 2.47 | -- | 4.84 | -0.059 | -0.0682 | 0.1817 | 0.3359 | 0.3122 | -- | 8.00 | 94,926.70 | -10.98 | -12.69 | -14.56 | -16.62 | 72.27 | 65.70 | -35.17 | -69.94 | -- | -1,806.50 | 0.1596 | -- | 30.82 | 32.95 | 18.34 | -- | 11.91 | -- |
| Bango plc | 36.31m | -6.95m | 99.61m | 274.00 | -- | 4.60 | 406.66 | 2.74 | -0.0906 | -0.0906 | 0.4733 | 0.282 | 0.6529 | -- | 2.07 | 132,504.80 | -12.50 | -5.48 | -23.84 | -7.75 | 85.95 | 90.92 | -19.15 | -10.20 | -- | -1.01 | 0.2761 | -- | 61.80 | 39.19 | -312.43 | -- | 37.33 | -- |
| Litigation Capital Management Ltd | 44.01m | 21.35m | 126.02m | -- | 5.63 | 1.33 | 5.88 | 2.86 | 0.1916 | 0.1916 | 0.3901 | 0.8120 | 0.2028 | -- | 3.18 | -- | 9.84 | 7.56 | 10.17 | 7.95 | 24.70 | -- | 48.52 | 34.91 | -- | 5.84 | 0.2439 | 1.03 | 8.34 | 19.65 | -9.03 | 29.64 | -4.90 | -- |
| Vanquis Banking Group PLC | 600.20m | -6.00m | 155.94m | 1.91k | -- | 0.2675 | 7.22 | 0.2598 | -0.0242 | -0.0242 | 2.37 | 2.27 | 0.2044 | -- | 11.27 | 314,570.20 | -0.2044 | 1.73 | -0.2103 | 1.82 | 99.72 | -- | -0.9997 | 7.63 | -- | 2.58 | 0.8131 | 42.55 | 12.42 | -11.27 | -107.29 | -- | 11.57 | -9.71 |
| H & T Group PLC | 220.78m | 21.08m | 173.75m | 1.11k | 8.16 | 0.9796 | 5.44 | 0.787 | 0.4842 | 0.4842 | 5.08 | 4.03 | 0.9527 | 4.39 | 1.85 | 199,075.80 | 9.10 | 7.55 | 9.65 | 8.16 | 24.33 | 24.73 | 9.55 | 8.84 | 11.48 | 9.36 | 0.2681 | 37.13 | 26.93 | 9.07 | 41.38 | 13.99 | 34.58 | 9.10 |
| Equals Group PLC | 95.71m | 7.75m | 231.72m | 341.00 | 30.28 | 3.99 | 14.46 | 2.42 | 0.0408 | 0.0408 | 0.4948 | 0.3094 | 1.23 | 130.68 | 8.08 | 280,677.40 | 9.97 | -0.9635 | 14.51 | -1.28 | 54.67 | 55.26 | 8.09 | -1.22 | 1.35 | 19.92 | 0.0568 | -- | 37.35 | 29.68 | 139.30 | 24.23 | 1.99 | -- |
| S&U PLC | 115.44m | 25.44m | 245.45m | 239.00 | 9.65 | 1.05 | 9.46 | 2.13 | 2.09 | 2.09 | 9.50 | 19.27 | 0.258 | -- | 75.87 | 483,000.00 | 5.68 | 8.18 | 5.78 | 8.35 | 80.23 | 79.28 | 22.04 | 29.32 | -- | 3.23 | 0.4903 | 49.88 | 12.39 | 6.83 | -24.56 | -1.89 | -20.41 | 0.3367 |
| International Personal Finance Plc | 767.80m | 48.00m | 257.28m | 6.56k | 5.63 | 0.5066 | 3.33 | 0.3351 | 0.2017 | 0.2017 | 3.23 | 2.24 | 0.6507 | -- | 1.14 | 117,132.00 | 4.07 | 2.67 | 4.98 | 3.24 | 90.26 | 91.10 | 6.25 | 4.39 | -- | 40.95 | 0.5162 | 46.34 | 18.95 | -2.39 | -15.49 | -8.64 | -2.76 | -3.64 |
| Funding Circle Holdings PLC | 170.90m | -38.30m | 281.53m | 959.00 | -- | 1.17 | -- | 1.65 | -0.1112 | -0.1112 | 0.4962 | 0.6831 | 0.4514 | -- | 9.26 | 178,206.50 | -10.12 | -5.64 | -13.30 | -10.70 | -- | -- | -22.41 | -21.30 | -- | -- | 0.2197 | -- | 11.34 | 3.79 | -455.07 | -- | -1.71 | -- |
| LSL Property Services plc | 144.42m | 8.09m | 330.31m | 3.95k | 40.46 | 4.34 | 24.19 | 2.29 | 0.0786 | -0.3692 | 1.40 | 0.7333 | 0.7464 | -- | 5.75 | -- | 4.15 | 5.33 | 7.21 | 7.65 | -- | -- | 5.56 | 5.72 | -- | -- | 0.293 | 54.35 | -33.59 | -14.96 | 130.31 | -14.67 | -13.44 | 0.901 |
Data as of May 24 2024. Currency figures normalised to International Personal Finance PLC's reporting currency: UK Pound GBX
55.06%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Aberforth Partners LLPas of 08 Feb 2024 | 42.75m | 19.02% |
| abrdn Investment Management Ltd.as of 16 Nov 2023 | 21.22m | 9.44% |
| J.O. Hambro Capital Management Ltd.as of 08 Feb 2024 | 11.65m | 5.19% |
| Janus Henderson Investors UK Ltd.as of 23 Mar 2023 | 11.59m | 5.16% |
| Schroder Investment Management Ltd.as of 08 Feb 2024 | 11.18m | 4.97% |
| Artemis Investment Management LLPas of 08 Feb 2024 | 7.09m | 3.16% |
| Sanford DeLand Asset Management Ltd.as of 29 Sep 2023 | 7.09m | 3.16% |
| Dimensional Fund Advisors LPas of 08 Feb 2024 | 4.34m | 1.93% |
| Legal & General Investment Management Ltd.as of 08 Feb 2024 | 3.48m | 1.55% |
| BlackRock Investment Management (UK) Ltd.as of 08 Feb 2024 | 3.34m | 1.49% |
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Data from 29 Sep 2023 - 30 Apr 2024Source: FactSet Research Systems Inc.
