International Personal Finance (IPF)

Sector:

Financials

Index:

FTSE Small Cap

161.60p
   
  • Change Today:
      1.80p
  • 52 Week High: 163.50
  • 52 Week Low: 113.00
  • Currency: UK Pounds
  • Shares Issued: 218.67m
  • Volume: 658,561
  • Market Cap: £353.38m
  • RiskGrade: 268

Dividend Data

  31-Dec-2431-Dec-2331-Dec-2231-Dec-2131-Dec-20
Interim Dividend3.40p3.10p2.70p2.20p4.60p
Final Dividend8.00p7.20p6.50p5.80pn/a
Total Dividend11.40p10.30p9.20p8.00p4.60p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
Revenue 726.30 767.80 645.50 548.70 661.30
Operating Profit/(Loss) 155.60 160.80 145.50 121.70 6.10
Net Interest (70.40) (76.90) (68.10) (54.00) (46.80)
Profit Before Tax 85.20 83.90 77.40 67.70 (40.70)
Profit After Tax 60.90 48.00 56.80 41.90 (64.20)
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 60.90 48.00 56.80 41.90 (64.20)
Attributable to:          
Equity Holders of Parent Company 60.90 48.00 56.80 41.90 (64.20)
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 24.90p 23.20p 25.60p 18.80p (28.90p)
Earnings per Share - Diluted 23.50p 21.90p 24.30p 17.80p (27.40p)
Earnings per Share - Adjusted 27.30p 21.50p 20.80p 18.80p (24.00p)
Continuing and Discontinued EPS          
Earnings per Share - Basic 24.90p 23.20p 25.60p 18.80p (28.90p)
Earnings per Share - Diluted 23.50p 21.90p 24.30p 17.80p (27.40p)
Earnings per Share - Adjusted 27.30p 21.50p 20.80p 18.80p (24.00p)
           
Dividend per Share 11.40p 10.30p 9.20p 8.00p 4.60p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Assets          
Non-Current Assets          
Property, Plant & Equipment 31.70 37.70 36.60 31.50 32.90
Intangible Assets 59.70 55.90 52.10 48.10 54.60
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a n/a
Other Financial Assets n/a n/a n/a n/a n/a
Other Non-Current Assets 356.70 341.10 352.80 295.10 275.60
  448.10 434.70 441.50 374.70 363.10
Current Assets          
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables 647.30 705.60 672.80 580.60 542.50
Cash at Bank & in Hand 27.60 42.50 50.70 41.70 116.30
Current Asset Investments n/a n/a n/a n/a n/a
Other Current Assets 18.70 6.20 6.10 2.30 2.00
  693.60 754.30 729.60 624.60 660.80
           
Other Assets n/a n/a n/a n/a n/a
Total Assets 1,141.70 1,189.00 1,171.10 999.30 1,023.90
           
Liabilities          
Current Liabilities          
Borrowings 100.90 60.50 79.00 9.50 7.60
Other Current Liabilities 135.50 144.60 149.80 134.00 128.40
  236.40 205.10 228.80 143.50 136.00
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Non-Current Liabilities          
Borrowings 434.90 474.90 491.20 480.80 503.60
Provisions 4.10 7.10 5.90 7.90 13.80
Other Non-Current Liabilities n/a n/a n/a n/a n/a
  439.00 482.00 497.10 488.70 517.40
           
Other Liabilities n/a n/a n/a n/a n/a
Total Liabilities 675.40 687.10 725.90 632.20 653.40
           
Net Assets 466.30 501.90 445.20 367.10 370.50
           
Capital & Reserves          
Share Capital 22.50 23.40 23.40 23.40 23.40
Share Premium Account n/a n/a n/a n/a n/a
Other Reserves (69.60) (24.70) (54.20) (97.80) (59.50)
Retained Earnings 513.40 503.20 476.00 441.50 406.60
Shareholders Funds 466.30 501.90 445.20 367.10 370.50
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 466.30 501.90 445.20 367.10 370.50
Cash Flow 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Net Cash Flow From Operating Activities 24.80 85.80 (0.90) (24.80) 283.60
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (24.10) (22.60) (23.50) (15.20) (15.10)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (12.60) (72.70) 27.20 (32.20) (189.60)
Net Increase/Decrease In Cash (11.90) (9.50) 2.80 (72.20) 78.90
Ratios - based on IFRS 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
PE Ratio - Adjusted 4.8 5.5 3.5 6.9 n/a
PEG - Adjusted 0.2 1.8 0.3 n/a n/a
Earnings per Share Growth - Adjusted 27% 3% 11% n/a n/a
Dividend Cover 2.39 2.09 2.26 2.35 (5.22)
Revenue per Share 332.14p 351.12p 295.19p 250.92p 302.41p
Pre-Tax Profit per Share 38.96p 38.37p 35.40p 30.96p (18.61p)
Operating Margin 21.42% 20.94% 22.54% 22.18% 0.92%
Return on Capital Employed 16.44% 16.27% 15.01% 14.89% 0.73%
Continuing & Discontinued Operations          
PE Ratio - Adjusted 4.8 5.5 3.5 6.9 n/a
PEG - Adjusted 0.2 1.8 0.3 n/a n/a
Earnings per Share Growth - Adjusted 27% 3% 11% n/a n/a
Dividend Cover 2.39 2.09 2.26 2.35 (5.22)
           
Dividend Yield 8.8% 8.7% 12.6% 6.2% 5.6%
Dividend per Share Growth 10.68% 11.96% 15.00% 73.91% (62.90%)
Operating Cash Flow per Share 11.34p 39.24p (0.41p) (11.34p) 129.69p
Cash Incr/Decr per Share (5.44p) (4.34p) 1.28p (33.02p) 36.08p
Net Asset Value per Share (exc. Intangibles) 185.94p 203.96p 179.76p 145.88p 144.46p
Net Gearing 108.99% 98.21% 116.69% 122.20% 106.59%

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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