International Personal Finance plc (IPF.L)
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.
Company Info
| ISIN | GB00B1YKG049 |
|---|---|
| Sector | Financial Services |
| Industry | Credit Services |
Highlights
| Market Cap | £250.35M |
|---|---|
| EPS | £0.20 |
| PE Ratio | 5.53 |
| Revenue (TTM) | £767.80M |
| Gross Profit (TTM) | £538.80M |
| EBITDA (TTM) | £167.30M |
| Year Range | £93.57 - £125.66 |
| Target Price | £176.67 |
Share Price Chart
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Performance
Performance Chart
The chart shows the growth of an initial investment of £10,000 in International Personal Finance plc, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
International Personal Finance plc had a return of -0.61% year-to-date (YTD) and 14.40% in the last 12 months. Over the past 10 years, International Personal Finance plc had an annualized return of -8.58%, while the S&P 500 had an annualized return of 10.97%, indicating that International Personal Finance plc did not perform as well as the benchmark.
| Period | Return | Benchmark |
|---|---|---|
| Year-To-Date | -0.61% | 11.29% |
| 1 month | 6.76% | 4.87% |
| 6 months | -0.61% | 17.88% |
| 1 year | 14.40% | 29.16% |
| 5 years (annualized) | 1.74% | 13.20% |
| 10 years (annualized) | -8.58% | 10.97% |
Monthly Returns
The table below presents the monthly returns of IPF.L, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 0.84% | -6.67% | -2.68% | 2.13% | -0.61% | ||||||||
| 2023 | 15.18% | 14.01% | 2.08% | 6.74% | 13.27% | 1.35% | 3.11% | 10.03% | 1.20% | 3.97% | -16.03% | 8.18% | 78.14% |
| 2022 | -2.48% | -10.97% | -7.86% | -1.50% | -13.54% | -7.83% | 25.75% | 3.95% | -15.11% | -5.99% | 0.45% | -6.28% | -38.34% |
| 2021 | -1.84% | 1.38% | 29.22% | 21.76% | 3.45% | 1.21% | 11.68% | -0.67% | -5.31% | -7.81% | -3.61% | 5.05% | 60.72% |
| 2020 | -1.86% | -7.85% | -47.66% | -13.11% | -24.15% | 23.35% | 4.40% | 23.63% | -31.26% | 23.71% | 53.66% | -7.60% | -40.04% |
| 2019 | 0.29% | -2.62% | -3.04% | -2.25% | -13.01% | -24.62% | -15.50% | -12.92% | 31.46% | 20.04% | 5.26% | 15.00% | -14.69% |
| 2018 | 0.46% | -4.59% | 21.18% | 9.64% | -15.54% | -0.78% | 17.86% | -8.49% | 4.49% | -20.93% | 22.77% | -5.86% | 9.90% |
| 2017 | 1.28% | 3.84% | -9.63% | 2.77% | -0.31% | 5.31% | 12.76% | 2.50% | 10.28% | -3.69% | -5.44% | 3.27% | 22.92% |
| 2016 | -16.68% | 11.25% | 9.03% | -5.77% | 3.89% | 2.45% | -5.86% | 1.16% | -2.48% | 13.27% | -5.40% | -38.16% | -37.62% |
| 2015 | -3.14% | -0.76% | 11.11% | 5.32% | -1.17% | -7.09% | -12.69% | -0.35% | -1.25% | -4.61% | 0.14% | -22.02% | -33.90% |
| 2014 | -6.63% | 15.05% | -4.30% | 10.31% | 8.94% | -3.53% | -5.96% | -6.52% | -4.71% | -0.49% | -1.19% | -6.33% | -8.04% |
| 2013 | 8.15% | -0.97% | 12.49% | 14.61% | 1.86% | -3.95% | 27.45% | -6.37% | 3.15% | -5.41% | 2.86% | -16.16% | 35.66% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of IPF.L is 57, suggesting that the investment has average results relative to other stocks in terms of risk-adjusted performance. This ranking is determined by the cumulative values of the indicators listed below.
IPF.L (International Personal Finance plc)
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for International Personal Finance plc (IPF.L) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
International Personal Finance plc granted a 0.09% dividend yield in the last twelve months. The annual payout for that period amounted to £0.10 per share.
| Period | TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | £0.10 | £0.10 | £0.09 | £0.02 | £0.08 | £0.12 | £0.12 | £0.12 | £0.12 | £0.12 | £0.10 | £0.08 |
Dividend yield | 0.09% | 0.08% | 0.12% | 0.02% | 0.10% | 0.08% | 0.06% | 0.06% | 0.07% | 0.04% | 0.02% | 0.02% |
Monthly Dividends
The table displays the monthly dividend distributions for International Personal Finance plc. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | £0.00 | £0.00 | £0.00 | £0.07 | £0.00 | £0.07 | |||||||
| 2023 | £0.00 | £0.00 | £0.00 | £0.07 | £0.00 | £0.00 | £0.00 | £0.03 | £0.00 | £0.00 | £0.00 | £0.00 | £0.10 |
| 2022 | £0.00 | £0.00 | £0.00 | £0.06 | £0.00 | £0.00 | £0.00 | £0.00 | £0.03 | £0.00 | £0.00 | £0.00 | £0.09 |
| 2021 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.02 |
| 2020 | £0.00 | £0.00 | £0.00 | £0.08 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.08 |
| 2019 | £0.00 | £0.00 | £0.00 | £0.08 | £0.00 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.12 |
| 2018 | £0.00 | £0.00 | £0.00 | £0.08 | £0.00 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.12 |
| 2017 | £0.00 | £0.00 | £0.00 | £0.08 | £0.00 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.12 |
| 2016 | £0.00 | £0.00 | £0.00 | £0.08 | £0.00 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.12 |
| 2015 | £0.00 | £0.00 | £0.00 | £0.08 | £0.00 | £0.00 | £0.00 | £0.00 | £0.05 | £0.00 | £0.00 | £0.00 | £0.12 |
| 2014 | £0.00 | £0.00 | £0.00 | £0.06 | £0.00 | £0.00 | £0.00 | £0.00 | £0.04 | £0.00 | £0.00 | £0.00 | £0.10 |
| 2013 | £0.05 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.04 | £0.00 | £0.00 | £0.00 | £0.08 |
Dividend Yield & Payout
Dividend Yield
Payout Ratio
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way.
Worst Drawdowns
The table below displays the maximum drawdowns of the International Personal Finance plc. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the International Personal Finance plc was 92.28%, occurring on Apr 23, 2020. The portfolio has not yet recovered.
The current International Personal Finance plc drawdown is 66.08%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -92.28% | Oct 22, 2013 | 1645 | Apr 23, 2020 | — | — | — |
| -79.84% | Aug 11, 2008 | 191 | May 13, 2009 | 364 | Oct 19, 2010 | 555 |
| -61.32% | Jul 4, 2011 | 137 | Jan 16, 2012 | 231 | Dec 12, 2012 | 368 |
| -33.46% | Jul 20, 2007 | 20 | Aug 16, 2007 | 214 | Jun 23, 2008 | 234 |
| -19.81% | Jan 5, 2011 | 51 | Mar 16, 2011 | 72 | Jul 1, 2011 | 123 |
Volatility
Volatility Chart
The current International Personal Finance plc volatility is 8.10%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Income Statement
| TTM | |
|---|---|
| Revenue | |
Total Revenue | 0.00 |
Cost Of Revenue | 0.00 |
Gross Profit | 0.00 |
| Operating Expenses | |
Selling, General & Admin Expenses | 0.00 |
R&D Expenses | 0.00 |
Total Operating Expenses | 0.00 |
| Income | |
Income Before Tax | 0.00 |
Operating Income | 0.00 |
EBIT | 0.00 |
Earnings From Continuing Operations | 0.00 |
Net Income | 0.00 |
Income Tax Expense | 0.00 |
Interest Expense | 0.00 |
Other Non-Operating Income (Expenses) | 0.00 |
Extraordinary Items | 0.00 |
Discontinued Operations | 0.00 |
Effect Of Accounting Charges | 0.00 |
Non Recurring | 0.00 |
Minority Interest | 0.00 |
Other Items | 0.00 |