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International Personal Finance PLC (LSE:IPF)

153.53 GBP

+0.030 0.020%
Last Updated at: 2024-09-12T07:13:00Z

International Personal Finance PLC

International Personal Finance plc, together with its subsidiaries, provides consumer credit in Europe and Mexico. The company offers credit products, such as online payment transaction; revolving credit line; microbusiness loans; digital installment loans; credit card; hybrid loans; and home credit installment loans, as well as medical and life insurances. International Personal Finance plc was founded in 1997 and is headquartered in Leeds, the United Kingdom.

26 Whitehall Road, Leeds, United Kingdom, LS12 1BE

44 11 3539 5466

https://www.ipfin.co.uk

Employees: 8862

Key Executives

Sr. No. Name Title Year Born
1. Mr. Gerard Jude Ryan CEO & Exec. Director 1965
2. Mr. Gary Thompson CFO & Exec. Director 1973
3. Ms. Rachel Moran Investor Relations Mang. NA
4. James Ormrod Chief Legal Officer NA
5. Mr. Gergely Mikola Group Corp. Affairs Director NA
6. Ms. Lyndsey Hamilton-Scott Chief HR Officer NA
7. Ms. Botond Szirmak Head of European Home Credit NA
8. Krzysztof Adamski Group Treasurer NA
9. Laura Dobson Company Sec. NA
10. Mr. Craig Shannon Exec. Officer 1964

Peers

Sector: Financial Services

Industry: Credit Services

Company Change (GBP) Price (GBP) Trailing PE(x) Forward PE(x) Price Sales TTM(x) Price to Book Value(x) Enterprise Value to Revenue(x) Enterprise Value to EBITDA(x)
GACA

General Accident PLC

 0.000 0.000% 0 2.140 0.000 137.889 0.000 0.000 0.000
VANQ

Vanquis Banking Group PLC

 +0.100 0.193% 52 7.970 0.000 0.000 0.000 0.000 0.000
SUS

S&U plc

 -39.715 2.153% 1805.2854 8.040 8.547 3.184 1.113 3.703 9.839
EQLS

Equals Group PLC

 +1.700 1.491% 114.65 30.750 19.841 2.799 4.853 2.630 13.740

Income Statement

(Currency in GBP)
Breakdown 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018
Income Before Tax 77.4M 67.7M -40.7M 114M 109.3M
Minority Interest - - - - -
Net Income 56.8M 41.9M -64.2M 71.8M 75.4M
Selling General Administrative 271.8M 259.4M 296.4M 330.8M 330.8M
Gross Profit 577.4M 494.7M 614.5M 825.6M 639.4M
Reconciled Depreciation 27.3M 28.7M 43M 32.4M 23.7M
Ebit 145.5M 67.7M -40.7M 114M 167.8M
Ebitda 172.8M 96.4M 2.3M 146.4M 191.5M
Depreciation And Amortization 27.3M 28.7M 43M 32.4M 23.7M
Operating Income 145.5M 67.7M -40.7M 114M 167.8M
Other Operating Expenses 393.3M 370.8M 405.1M 468.1M 140.8M
Interest Expense 68.1M 54M 56.7M 63.5M 58.5M
Tax Provision 20.6M 25.8M 23.5M 42.2M 33.9M
Interest Income 645.5M 548.7M 671.2M 889.1M 866.4M
Net Interest Income 577.4M 494.7M 614.5M 825.6M 807.9M
Income Tax Expense 20.6M 25.8M 23.5M 42.2M 33.9M
Total Revenue 577.4M 494.7M 614.5M 825.6M 807.9M
Total Operating Expenses 393.3M 370.8M 405.1M 468.1M 471.6M
Cost Of Revenue - - 55.2M 243.5M 227M
Total Other Income Expense Net -68.1M -54M -56.7M -63.5M -58.5M
Net Income From Continuing Ops 56.8M 41.9M -64.2M 71.8M 75.4M
Net Income Applicable To Common Shares 56.8M 41.9M -64.2M 71.8M 75.4M

Balance Sheet

(Currency in GBP)
Breakdown 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018
Total Assets 1171.1M 999.3M 1023.9M 1322.7M 1322.5M
Intangible Assets 27.9M 25.2M 30.2M 43.2M 38M
Other Current Assets 4.5M 863.3M 817.5M 1175.7M 1182.1M
Total Liab 725.9M 632.2M 653.4M 886.3M 889.5M
Total Stockholder Equity 445.2M 367.1M 370.5M 436.4M 433M
Other Current Liab -106.7M -112.8M -89.1M -123.9M 83.2M
Common Stock 23.4M 23.4M 23.4M 23.4M 23.4M
Capital Stock 23.4M 23.4M 23.4M 23.4M 23.4M
Retained Earnings 476M 441.5M 406.6M 470.3M 424.2M
Good Will 24.2M 22.9M 24.4M 23.1M 24.5M
Other Assets 1019.8M 863.3M 809.7M 1163M 1322.5M
Cash 50.7M 41.7M 116.3M 37.4M 46.6M
Cash And Equivalents - - - - -
Total Current Liabilities 15.5M 112.8M 89.1M 123.9M 209.6M
Current Deferred Revenue - - - - -
Net Debt 519.5M 448.6M 394.9M 658.5M 651.7M
Short Term Debt - - - 112.9M 29.4M
Short Long Term Debt - - - 112.9M 29.4M
Short Long Term Debt Total 570.2M 490.3M 511.2M 695.9M 698.3M
Other Stockholder Equity -54.2M -97.8M -59.5M -57.3M 72.7M
Property Plant Equipment 36.6M 31.5M 32.9M 38.8M 19.9M
Total Current Assets 58.1M 55.7M 126.2M 54.3M 1238.5M
Long Term Investments 4.5M 0.7M 0.5M 0.3M 1.6M
Short Term Investments - - - - -
Net Receivables 16.2M 14M 9.9M 16.9M 9.8M
Long Term Debt - - 491.8M 563.7M 669.5M
Inventory - - - - -
Accounts Payable 122.2M 112.8M 89.1M 123.9M 16.8M
Accumulated Other Comprehensive Income - - - -89.6M -87.3M
Non Currrent Assets Other -93.2M -80.3M -88M -105.4M -1.6M
Non Current Assets Total 93.2M 80.3M 88M 105.4M 84M
Capital Lease Obligations - - - - -
Long Term Debt Total - - - - -

Cash Flow

(Currency in GBP)
Breakdown 31-12-2022 31-12-2021 31-12-2020 31-12-2019 31-12-2018
Investments -23.5M -15.2M -15.1M -31.2M -25.7M
Total Cashflows From Investing Activities -23.5M -15.2M -15.1M -31.2M -25.7M
Total Cash From Financing Activities 27.2M -32.2M -189.6M -40.1M -15.5M
Net Income 56.8M 41.9M -64.2M 71.8M 75.4M
Change In Cash 9M -74.6M 78.9M -9.2M 19.2M
Begin Period Cash Flow 41.7M 116.3M 37.4M 46.6M 27.4M
End Period Cash Flow 50.7M 41.7M 116.3M 37.4M 46.6M
Total Cash From Operating Activities -0.9M -24.8M 283.6M 64.2M 60.2M
Depreciation 27.3M 28.7M 43M 32.4M 23.7M
Other Cashflows From Investing Activities - - 0.4M 0.2M 0.3M
Dividends Paid 18.9M 4.9M 4.9M 27.7M 27.7M
Change To Inventory - - - - -
Sale Purchase Of Stock -0.4M -3.9M 0M -2.1M -
Other Cashflows From Financing Activities 90.1M 39.5M 300.4M 110M 101.9M
Capital Expenditures 23.8M 15.4M 15.5M 31.4M 26M
Change In Working Capital -117.3M -77.5M 277.2M -46.5M -51.5M
Other Non Cash Items 30.1M 55.2M 48.5M 66.4M 11.5M
Free Cash Flow -24.7M -40.2M 268.1M 32.8M 34.2M

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