Financial Services
Live Price
Offline$2.83
+0.00% today
1Y Change
+88.67%
Window
Jun 30, 2025 → Jun 23, 2026
Coverage: 242 bars · Jun 30, 2025 → 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 30, 2025 → 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.
Benchmark Edge
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
Relative Read
IPFPF is 69.94 pts ahead over the shared 1Y window.
IPFPF had 29.39 pts deeper max drawdown than SPY.
IPFPF beat SPY in 1 of 2 calendar years shown and trailed in 1.
IPFPF
+88.67%
Normalized return
SPY
+18.73%
S&P 500
Excess Return
+69.94 pts
Relative to SPY
IPFPF Max Drawdown
-38.52%
Trailing 1Y
SPY Max Drawdown
-9.13%
Trailing 1Y
Uses the longest available daily history for IPFPF and SPY.
| Year | IPFPF | SPY | Excess | Leader |
|---|---|---|---|---|
| 2026 | 0.00% | +6.71% | -6.71 pts | SPY |
| 2025 | +88.67% | +11.19% | +77.47 pts | IPFPF |
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$548.7M
-15.0% YoY
FY Net Income
$41.9M
-26.2% YoY
Free Cash Flow
-$40.2M
-62.8% YoY
Revenue Growth
+12.4%
EPS Growth
-11.1%
Gross Margin
91.7%
Net Margin
7.3%
Income statement
GBP
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 737M | 656M | 768M | 646M | 549M |
| Gross Profit | 709M | 656M | 598M | 539M | 439M |
| Operating Income | 160M | 213M | 290M | 267M | 233M |
| EBITDA | 187M | 0 | 167M | 152M | 127M |
| Net Income | 54M | 61M | 48M | 57M | 42M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
GBP
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 30M | 28M | 43M | 51M | 42M |
| Total Assets | 1.3B | 1.1B | 1.2B | 1.2B | 999M |
| Total Liabilities | 791M | 675M | 687M | 726M | 632M |
| Shareholder Equity | 546M | 466M | 502M | 445M | 367M |
| Total Debt | 654M | 536M | 535M | 570M | 490M |
| Net Debt | 624M | -28M | 493M | 520M | 449M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
25M
-2655.6% YoY
Capital Expenditures
15M
+35.3% YoY
Free Cash Flow
40M
-62.8% YoY
Key ratios
Gross Margin
91.7%
Operating Margin
30.5%
Net Margin
7.3%
ROE
10.3%
Debt / Equity
1.20x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.