/IPF.L
IPF.L Stock - International Personal Finance plc
Financial Services|Financial - Credit ServicesLSE
$222.50+0.00%
+$0.00 (+0.00%) • Dec 22
77
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.90
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).70
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.100
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+10.0%upside
Target: $244.75
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ENTRY ZONE$220.28 – $224.72
TARGET (TP)$255.87
STOP LOSS$204.70
RISK/REWARD1:1.9
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.47
52W High$225.00
52W Low$119.50
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $655.90M | $767.80M | $645.50M | $548.70M | $661.30M |
| Gross Profit | $655.90M | $598.40M | $538.80M | $438.50M | $413.70M |
| Gross Margin | 100.0% | 77.9% | 83.5% | 79.9% | 62.6% |
| Operating Income | $212.70M | $289.50M | $145.50M | $122.10M | $134.90M |
| Net Income | $60.90M | $48.00M | $56.80M | $41.90M | $-64,200,000 |
| Net Margin | 9.3% | 6.3% | 8.8% | 7.6% | -9.7% |
| EPS | $0.27 | $0.21 | $0.26 | $0.19 | $-0.29 |
Company Overview
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.
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Earnings History & Surprises
IPF.LBeat Rate
80%
Last 5 quarters
Avg Surprise
+28.3%
EPS vs Estimate
Beats / Misses
4/1
Last 12 quarters
Latest EPS
$0.13
Q3 2025
EPS Surprise History
Q2 22
No data
Q1 23
No data
Q3 23
+13.6%
$0.08vs$0.07
Q1 24
No data
Q2 24
+55.6%
$0.14vs$0.09
Q3 24
-17.3%
$0.08vs$0.10
Q1 25
+77.2%
$0.18vs$0.10
Q3 25
+12.2%
$0.13vs$0.12
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2026 | Feb 24, 2026 | — | — | — | — |
Q3 2025 | Jul 30, 2025 | $0.12 | $0.13 | +12.2% | ✓ BEAT |
Q1 2025 | Feb 26, 2025 | $0.10 | $0.18 | +77.2% | ✓ BEAT |
Q4 2024 | Oct 24, 2024 | — | — | — | — |
Q3 2024 | Jul 31, 2024 | $0.10 | $0.08 | -17.3% | ✗ MISS |
Q2 2024 | May 2, 2024 | $0.09 | $0.14 | +55.6% | ✓ BEAT |
Q1 2024 | Feb 28, 2024 | — | $0.12 | — | — |
Q4 2023 | Dec 7, 2023 | — | — | — | — |
Q3 2023 | Aug 1, 2023 | $0.07 | $0.08 | +13.6% | ✓ BEAT |
Q2 2023 | Apr 27, 2023 | — | — | — | — |
Q1 2023 | Mar 1, 2023 | — | $0.11 | — | — |
Q2 2022 | Jun 30, 2022 | — | $0.13 | — | — |
Q4 2021 | Dec 31, 2021 | — | $0.09 | — | — |
Q4 2021 | Nov 29, 2021 | — | $0.04 | — | — |
Q2 2021 | Jun 30, 2021 | — | $0.11 | — | — |
Q4 2020 | Dec 31, 2020 | — | $-0.01 | — | — |
Q2 2020 | Jun 30, 2020 | — | $-0.28 | — | — |
Q4 2019 | Dec 31, 2019 | — | $0.16 | — | — |
Q2 2019 | Jun 30, 2019 | — | $0.14 | — | — |
Q4 2018 | Dec 31, 2018 | — | $0.16 | — | — |
Latest News
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Frequently Asked Questions about IPF.L
What is IPF.L's current stock price?
International Personal Finance plc (IPF.L) is currently trading at $222.50 per share. The stock has moved +0.00% today.
What is the analyst price target for IPF.L?
No analyst price targets are currently available for this stock.
What sector is International Personal Finance plc in?
International Personal Finance plc operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the LSE exchange.
What is IPF.L's market cap?
International Personal Finance plc has a market capitalization of $0.49 billion, making it a small-cap company.
Does IPF.L pay dividends?
No, International Personal Finance plc does not currently pay a dividend to shareholders.
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