International Personal Finance plc (IPF) is a leading credit services business based in the UK. International Personal Finance is listed on the London Stock Exchange (LSE) and employs 9,854 staff. All prices are listed in pence sterling.
|52-week range||32.55p - 151.8072p|
|50-day moving average||82.7833p|
|200-day moving average||68.6541p|
|Wall St. target price||308.5p|
|Dividend yield||0.12p (21.38%)|
|Earnings per share (TTM)||30.3p|
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Valuing International Personal Finance stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of International Personal Finance's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
International Personal Finance's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 5x. In other words, International Personal Finance shares trade at around 5x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the FTSE 250 at the end of September 2019 (19.71). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
International Personal Finance's EBITDA (earnings before interest, taxes, depreciation and amortisation) is £78.5 million.
The EBITDA is a measure of a International Personal Finance's overall financial performance and is widely used to measure a its profitability.
|Revenue TTM||£804.4 million|
|Operating margin TTM||8.72%|
|Gross profit TTM||£645.6 million|
|Return on assets TTM||3.46%|
|Return on equity TTM||-5.41%|
|Market capitalisation||£178.3 million|
TTM: trailing 12 months
We're not expecting International Personal Finance to pay a dividend over the next 12 months. However, you can browse other dividend-paying shares in our guide.
Over the last 12 months, International Personal Finance's shares have ranged in value from as little as 32.55p up to 151.8072p. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (LSE average) beta is 1, while International Personal Finance's is 1.5986. This would suggest that International Personal Finance's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
International Personal Finance plc, together with its subsidiaries, provides consumer credit products in Europe and Mexico. It offers home credit products, such as home credit cash loans with agent service; money transfer loans direct to bank account; home, medical, and life insurances; micro-business loans; and provident-branded digital loans. The company also digital loan products, including instalment and monthly repayments loans, and revolving credit facility. It offers its products under the Provident, Credit24, hapiloans, Sving, and Creditea brands. The company serves approximately 2.1 million customers. International Personal Finance plc was founded in 1997 and is headquartered in Leeds, the United Kingdom.
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