International Personal Finance shares have fallen -0.30% from yesterday's closing price (111p). Learn how to easily invest in International Personal Finance shares.
International Personal Finance PLC (IPF) is a publicly traded credit services business based in the UK. It opened the day at 125.2p after a previous close of 135p. During the day the price has varied from a low of 125.2p to a high of 136p. The latest price was 134.6p (25 minute delay). International Personal Finance is listed on the London Stock Exchange (LSE) and employs 8,862 staff. All prices are listed in pence sterling.
How to buy shares in International Personal Finance
Choose a platform.If you're a beginner, our share-dealing table below can help you choose.
Open your account.You'll need your ID, bank details and national insurance number.
Confirm your payment details.You'll need to fund your account with a bank transfer, debit card or credit card.
Search the platform for stock code:IPF in this case.
Research International Personal Finance shares.The platform should provide the latest information available.
Buy your International Personal Finance shares.It's that simple.
The whole process can take as little as 15 minutes. You'll need a smartphone or computer, an internet connection, your passport or driving licence and a means of payment.
Our top picks for where to buy International Personal Finance shares:
Best for
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Best for
Beginners
Best for
Beginner investments
BEST FOR
Transfer bonus
To choose the best investment app for each category, our experts analysed 83 different metrics for the investment platforms we've reviewed on our site. We've hand-picked the metrics we think are important for each category to help us find the best in 17 categories among our high-scoring partners. There are also "promoted" picks on some pages. They're based on factors that include special features or offers and the commission we receive. It's important to compare the full range of platforms available and keep in mind our picks may not always be the best fit for you.
Fees for buying 100x International Personal Finance shares with popular platforms
Share prices fluctuate in real time, so the costs presented here should be considered as a guide only. They do not incorporate stamp duty. Always refer to the platform itself for availability and pricing – which may differ from our information.
These providers cover a wide range of stocks, but we can't guarantee they'll all offer this stock.
All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
Alternative ways to invest in International Personal Finance
Buying shares in just one company can leave you more exposed to unexpected swings in the market than if you have a range of investments - a "diversified portfolio". Experts generally recommend having a broad mix of assets and funds that hold a ready-made portfolio of at least 50 different companies' shares, on the basis that drops in the value of some will be offset by rises elsewhere.
International Personal Finance is a major part of the LSE index, so it's included in many global funds and investment trusts, as well as tracker-style exchange traded funds (ETFs).
Is it a good time to buy International Personal Finance stock?
Only you can make the decision on the time to leap. The gauge below shows real-time ratings that are based on 26 popular indicators such as moving averages, for specific time periods. It's not a recommendation but is simply technical analysis that can form part of your research.
Finder might not agree with the analysis and we take no responsibility. We also give no representations or warranty on the accuracy or completeness of the information provided on this page.
Use our graph to track the performance of IPF stocks over time.
Share price volatility
Over the last 12 months, International Personal Finance's shares have ranged in value from as little as 58.8125p up to 113p. 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 1.6642. 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).
Historical closes compared with the last close of 134.6p
All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
Is International Personal Finance under- or over-valued?
Valuing a stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of overall performance. However, analysts commonly use some key metrics to help gauge value. Check out the International Personal Finance P/E ratio, PEG ratio and EBITDA
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 4x. In other words, International Personal Finance shares trade at around 4x 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 £151.7 million.
The EBITDA is a measure of a International Personal Finance's overall financial performance and is widely used to measure a its profitability.
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Forward annual dividend yield: 8.36% of stock value
Dividend payout ratio: 36.8% of net profits
International Personal Finance has recently paid out dividends equivalent to 8.36% of its share value annually.
International Personal Finance has paid out, on average, around 36.8% of recent net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 8.36% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), shareholders could enjoy a 8.36% return on their shares, in the form of dividend payments. In International Personal Finance's case, that would currently equate to about 9.2p per share.
While International Personal Finance's payout ratio might seem fairly standard, it's worth remembering that it may be investing much of the rest of its net profits in future growth.
The latest dividend was paid out to all shareholders who bought their shares by 5 April 2023 (the "ex-dividend date").
Dividend
Type
Ex-dividend date
Payment date
£0.022
Interim
03/09/2021
01/10/2021
£0.078
Final
13/04/2020
11/05/2020
£0.046
Interim
05/09/2019
04/10/2019
£0.078
Final
11/04/2019
10/05/2019
£0.046
Interim
06/09/2018
05/10/2018
£0.078
Final
12/04/2018
11/05/2018
£0.046
Interim
07/09/2017
06/10/2017
£0.078
Final
17/04/2017
12/05/2017
£0.046
Interim
01/09/2016
07/10/2016
£0.078
Final
07/04/2016
13/05/2016
£0.046
Interim
03/09/2015
02/10/2015
£0.078
Final
09/04/2015
08/05/2015
£0.042
Interim
03/09/2014
03/10/2014
£0.055
Final
09/04/2014
09/05/2014
£0.038
Interim
04/09/2013
04/10/2013
£0.0451
Final
20/03/2013
03/05/2013
£0.0323
Interim
05/09/2012
05/10/2012
£0.041
Final
18/04/2012
01/06/2012
£0.03
Interim
07/09/2011
07/10/2011
£0.0374
Final
13/04/2011
20/05/2011
£0.0253
Interim
08/09/2010
08/10/2010
£0.034
Final
14/04/2010
21/05/2010
£0.023
Interim
02/09/2009
02/10/2009
£0.034
Final
15/04/2009
22/05/2009
£0.023
Interim
03/09/2008
03/09/2008
£0.0285
Final
09/04/2008
23/05/2008
Currently 8.033% of International Personal Finance shares are held by insiders and 91.661% by institutions.
Latest data suggests 8,862 work at International Personal Finance.
International Personal Finance's fiscal year ends in December.
International Personal Finance's address is: 26 Whitehall Road, Leeds, United Kingdom, LS12 1BE
International Personal Finance's international securities identification number is: GB00B1YKG049
It's as easy to sell International Personal Finance as it is to buy! Here's how to sell International Personal Finance that you already own.
Open your investment app. If you've got one with desktop access, you can log in online
Go to your portfolio. This should be in the main menu
Find your shares. You may be able to search your portfolio
Choose how many you'd like to sell. You'll be able to review the price and see how much you'll receive
Sell your International Personal Finance shares. Your investment platform will let you know when your shares are sold
Most share dealing providers in the UK will let you use your debit card to top up your account and buy shares. The main ways are with a debit card, bank transfer or with Apple/Google Pay.
The easiest way to get hold of some International Personal Finance shares is to sign up for a share trading app and place a market order or basic order. This type of order tells the platform that you're interested, so it'll try to execute it as quickly as it can. It could take some time for the order to go through, especially if there's a lot of volatility in International Personal Finance shares.
If you're investing in a US stock, you'll need to complete a W8-BEN form to minimise your tax liability. Whether these are automatically handled for you depends on your broker, so it would be a good idea to check with them directly.
Financials
Revenue TTM
£645.5 million
Operating margin TTM
22.54%
Gross profit TTM
£538.8 million
Return on assets TTM
8.38%
Return on equity TTM
13.98%
Profit margin
8.8%
Book value
2p
Market capitalisation
£248.4 million
TTM: trailing 12 months
All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
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