International Personal Finance (IPFL)

247.75p
   
  • Change Today:
      0.003p
  • 52 Week High: 255.00
  • 52 Week Low: 148.20
  • Currency: UK Pounds
  • Shares Issued: 220.97m
  • Volume: 7,163
  • Market Cap: £547.46m

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
Revenue 737.50 726.30 767.80 645.50 548.70
Operating Profit/(Loss) 156.60 143.70 160.80 145.50 121.70
Profit Before Tax 85.30 73.30 83.90 77.40 67.70
Profit After Tax 54.20 60.90 48.00 56.80 41.90
           
Earnings per Share - Basic 24.80p 27.30p 23.20p 25.60p 18.80p
Earnings per Share - Adjusted 26.30p 24.90p 21.50p 20.80p 18.80p
           
Dividend per Share 12.80p 11.40p 10.30p 9.20p 8.00p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Assets          
Non-Current Assets          
Property, Plant & Equipment 36.80 31.70 37.70 36.60 31.50
Intangible Assets 76.50 59.70 55.90 52.10 48.10
Other Non-Current Assets 403.50 356.70 341.10 352.80 295.10
  516.80 448.10 434.70 441.50 374.70
Current Assets          
Inventories n/a n/a n/a n/a n/a
Cash at Bank & in Hand 30.40 27.60 42.50 50.70 41.70
Other Current Assets 4.40 18.70 6.20 6.10 2.30
  820.50 693.60 754.30 729.60 624.60
           
Other Assets n/a n/a n/a n/a n/a
Total Assets 1,337.30 1,141.70 1,189.00 1,171.10 999.30
Current Liabilities          
Borrowings 67.30 100.90 60.50 79.00 9.50
Other Current Liabilities 146.90 135.50 144.60 149.80 134.00
           
Current Liabilities 214.20 236.40 205.10 228.80 143.50
           
Net Current Assets cn/a cn/a cn/a cn/a cn/a
           
Borrowings 573.00 434.90 474.90 491.20 480.80
Other Non-Current Liabilities n/a n/a n/a n/a n/a
Non-Current Liabilities 577.10 439.00 482.00 497.10 488.70
           
Other Liabilities n/a n/a n/a n/a n/a
Total Liabilities 791.30 675.40 687.10 725.90 632.20
           
Net Assets 546.00 466.30 501.90 445.20 367.10
           
Shareholders Funds 546.00 466.30 501.90 445.20 367.10
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 546.00 466.30 501.90 445.20 367.10
Cash Flow 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Net Cash Flow From Operating Activities (4.50) 24.80 85.80 (0.90) (24.80)
Net Cash Flow from Investing Activities (39.70) 0.70 (22.60) (23.50) (15.20)
Net Cash Flow from Financing Activities 40.70 (12.60) (72.70) 27.20 (32.20)
Net Increase/Decrease In Cash 1.00 (11.90) (9.50) 2.80 (72.20)
Ratios - based on IFRS 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
PE Ratio - Adjusted 8.9 5.2 5.6 3.4 6.9
PEG - Adjusted 1.5 0.3 1.9 0.3 n/a
Earnings per Share Growth - Adjusted 6% 16% 3% 11% n/a
Dividend Cover 2.05 2.18 2.09 2.26 2.35
Revenue per Share 337.84p 325.99p 344.61p 292.12p 248.31p
Pre-Tax Profit per Share 39.08p 32.90p 37.66p 35.03p 30.64p
Operating Margin 21.23% 19.79% 20.94% 22.54% 22.18%
Return on Capital Employed 14.06% 15.18% 16.27% 15.01% 14.89%
           
Dividend Yield 5.5% 8.8% 8.6% 13.0% 6.2%
Dividend per Share Growth 12.28% 10.68% 11.96% 15.00% 73.91%
Operating Cash Flow per Share (2.06p) 11.13p 38.51p (0.41p) (11.22p)
Cash Incr/Decr per Share 0.46p (5.34p) (4.26p) 1.27p (32.67p)
Net Asset Value per Share (exc. Intangibles) 215.07p 182.50p 200.18p 177.90p 144.36p
Net Gearing 111.70% 108.99% 98.21% 116.69% 122.20%

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 5 minutes.

Note 2: Forecast figures based on normalised accounts.

 

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