Financial Services
International Personal Finance plc(IPFPF)
Live Price
Offline$2.83
+0.00% today
1Y Change
+88.67%
Window
Jun 26, 2025 โ Jun 23, 2026
- Market Cap
- $540.00M
- Revenue Growth
- +12.4%
- EPS Growth
- -11.1%
- Dividend Yield
- 5.2%
Coverage: 244 bars ยท Jun 26, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
International Personal Finance plc (IPFPF) is a Financial Services stock with a market cap of $540.00M and listed on OTC. The stock last traded around $2.83 and up 88.7% across the available one-year price window (Jun 26, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +12.4%, EPS growth of -11.1%, a dividend yield of 5.2%. What stands out right now is revenue +12.4%, EPS -11.1%, free cash flow -2083.0% with operating margin 30.5% and ROIC 10.7%. The dividend matters to the case here, with a current yield around 5.2%. Valuation is more restrained than many high-expectation growth names at P/E 10.0 and price/sales 0.7. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines IPFPF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+12.4% vs +3.4% peer median
Operating Margin
Above sector median
+30.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report came in below the EPS bar
2026 was reported on Feb 25, 2026 with an EPS surprise of -23.1% and a revenue surprise of -12.3%.
The operating picture looks softer than before
Revenue is at +12.4% and EPS is at -11.1%, with operating margin around 30.5%.
The next real check-in already has a date
The next earnings event is scheduled for Jul 29, 2026, which is the clearest near-term catalyst for confirming whether the current trend is holding up.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +30.2% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Feb 25, 2026 | -23.1% | +0.0% | +0.0% | +0.0% |
2025 Jul 30, 2025 | +11.5% | +0.0% | +90.7% | +88.7% |
2025 Feb 26, 2025 | +77.2% | +0.0% | +0.0% | +0.0% |
Benchmark Edge
IPFPF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
IPFPF
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
IPFPF Max Drawdown
-38.52%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for IPFPF and SPY.
Company Overview
International Personal Finance plc
Other OTC
International Personal Finance plc, together with its subsidiaries, provides consumer credit in Europe and Mexico. The company offers home credit products, such as money transfer loans direct to bank account, cash and microbusiness loans, home, medical and life insurances, and repayments services. It also offers digital business services comprising of instalment loans and repayment schedules, credit line products, and mobile wallet payments. The company offers its products under the Provident, Credit24, hapiloans, and Creditea brands. International Personal Finance plc was founded in 1997 and is headquartered in Leeds, the United Kingdom.
- Leadership
- Gerard Jude Ryan
- IPO Date
- Dec 16, 2010
- Employees
- 8.4k
- Street Address
- 26 Whitehall Road
- Mailing
- Leeds, LS12 1BE
- Region
- Leeds, GB
- Reporting Currency
- USD
- Investor Line
- 44 11 3539 5466
- Last Updated
- Apr 30, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.0
- EV/EBITDA
- 6.6
- Price/Sales
- 0.7
- Price/Book
- 1.0
Growth
- Revenue
- +12.4%
- EPS
- -11.1%
- Free Cash Flow
- -2083.0%
Profitability
- Gross Margin
- 91.7%
- Operating Margin
- 30.5%
- Net Margin
- 7.3%
- ROE
- 10.3%
- ROIC
- 10.7%
Balance Sheet
- Debt/Equity
- 1.20
- Current Ratio
- 16.49
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.