International Personal Finance PLC
LSE:IPF

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International Personal Finance PLC Logo
International Personal Finance PLC
LSE:IPF
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Price: 134 GBX 0.37% Market Closed
Market Cap: 291m GBX
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Intrinsic Value

The intrinsic value of one IPF stock under the Base Case scenario is 910.19 GBX. Compared to the current market price of 134 GBX, International Personal Finance PLC is Undervalued by 85%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

IPF Intrinsic Value
910.19 GBX
Undervaluation 85%
Intrinsic Value
Price
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Base Case
Best Case

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International Personal Finance PLC

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
International Personal Finance PLC

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0-12
Months
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Investment Journal
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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
International Personal Finance PLC

Current Assets 736.6m
Cash & Short-Term Investments 86.5m
Receivables 645m
Other Current Assets 5.1m
Non-Current Assets 460.2m
PP&E 33.7m
Intangibles 56.5m
Other Non-Current Assets 370m
Current Liabilities 205.8m
Accounts Payable 123.3m
Other Current Liabilities 82.5m
Non-Current Liabilities 510.6m
Long-Term Debt 503.5m
Other Non-Current Liabilities 7.1m
Efficiency

Earnings Waterfall
International Personal Finance PLC

Revenue
759.5m GBP
Cost of Revenue
-72.1m GBP
Gross Profit
687.4m GBP
Operating Expenses
-592.4m GBP
Operating Income
95m GBP
Other Expenses
-46m GBP
Net Income
49m GBP

Free Cash Flow Analysis
International Personal Finance PLC

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

IPF Profitability Score
Profitability Due Diligence

International Personal Finance PLC's profitability score is 54/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive Free Cash Flow
Positive 3-Years Revenue Growth
Positive Revenue Growth Forecast
54/100
Profitability
Score

International Personal Finance PLC's profitability score is 54/100. The higher the profitability score, the more profitable the company is.

IPF Solvency Score
Solvency Due Diligence

International Personal Finance PLC's solvency score is 40/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Average D/E
Average Altman Z-Score
40/100
Solvency
Score

International Personal Finance PLC's solvency score is 40/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

IPF Price Targets Summary
International Personal Finance PLC

Wall Street analysts forecast IPF stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for IPF is 190.4 GBX with a low forecast of 166.65 GBX and a high forecast of 220.5 GBX.

Lowest
Price Target
166.65 GBX
24% Upside
Average
Price Target
190.4 GBX
42% Upside
Highest
Price Target
220.5 GBX
65% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for IPF is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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Ownership

IPF Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

International Personal Finance PLC Logo
International Personal Finance PLC

Country

United Kingdom

Industry

Financial Services

Market Cap

304m GBP

Dividend Yield

7.91%

Description

International Personal Finance Plc provides home credit and the human face of finance. The company is headquartered in Leeds, West Yorkshire and currently employs 5,842 full-time employees. The company went IPO on 2007-10-08. The firm owns and operates a home credit business and a financial technology operator, IPF Digital. The Company’s home credit products and features include Home credit cash loans with agent service, money transfer loans direct to bank account, micro-business loans, home, medical and life insurances, provident-branded digital loans and weekly and monthly repayments. The Company’s digital business products and features include revolving credit line products, mobile wallet, instalment loans with terms up to three years, monthly repayments, and fast online application and credit decision.

Contact

WEST YORKSHIRE
LEEDS
Number Three, Meadow Lane
+441135395466.0
www.ipfin.co.uk

IPO

2007-10-08

Employees

5 842

Officers

CEO & Executive Director
Mr. Gerard Jude Ryan
CFO & Executive Director
Mr. Gary Thompson
Investor Relations Manager
Ms. Rachel Moran
Company Secretary & Chief Legal Officer
Mr. Thomas Crane MA
Group Corporate Affairs Director
Mr. Gergely Mikola
Chief Human Resources Officer
Ms. Lyndsey Hamilton-Scott
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Head of European Home Credit
Ms. Botond Szirmak
Head of People Communication & Culture
Wojciech Nesterenki
Group Treasurer
Krzysztof Adamski
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See Also

Discover More
What is the Intrinsic Value of one IPF stock?

The intrinsic value of one IPF stock under the Base Case scenario is 910.19 GBX.

Is IPF stock undervalued or overvalued?

Compared to the current market price of 134 GBX, International Personal Finance PLC is Undervalued by 85%.

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