A Business at a Glance
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INTERNATIONAL PERSONAL FINANCE operates in the Financial - Credit Services industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 929M | 929M | 958M | 796M | 754M | 852M |
| Net Income | 78M | 78M | 60M | 70M | 58M | -83M |
| EPS | $0.33 | $0.33 | $0.25 | $0.30 | $0.24 | $-0.35 |
| Free Cash Flow | 24M | 24M | 101M | -12M | -41M | 361M |
| ROIC | 27.2% | 11.3% | 13.0% | 13.1% | 12.8% | 0.6% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 1.11 | 1.02 | 1.12 | 1.33 | 1.40 |
| Dividends/Share | $0.14 | $0.14 | $0.13 | $0.11 | $0.03 | - |
| Operating Income | 184M | 184M | 201M | 179M | 167M | 7.9M |
| Operating Margin | 19.8% | - | - | - | - | - |
| ROE | 13.1% | 12.7% | 10.2% | 13.3% | 11.7% | -17.3% |
| Shares Outstanding | 223M | 223M | 223M | 222M | 223M | 222M |
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 852M | 754M | 796M | 958M | 929M | 929M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 7.9M | 167M | 179M | 201M | 184M | 184M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | 19.8% |
| Net Income | -83M | 58M | 70M | 60M | 78M | 78M |
| Net Margin | -9.7% | 7.6% | 8.8% | 6.3% | 8.4% | 8.4% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 0.6% | 12.8% | 13.1% | 13.0% | 11.3% | 27.2% |
| ROE | -17.3% | 11.7% | 13.3% | 10.2% | 12.7% | 13.1% |
| ROA | -6.3% | 4.3% | 5.0% | 4.1% | 5.3% | 5.3% |
| Cash Flow | ||||||
| Op. Cash Flow | 366M | -34M | -1.1M | 107M | 32M | 32M |
| Free Cash Flow | 361M | -41M | -12M | 101M | 24M | 24M |
| Owner Earnings | 366M | -34M | -1.1M | 107M | 32M | 32M |
| CapEx | 4.9M | 7.0M | 11M | 5.9M | 8.2M | 8.2M |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 8.2M |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | 1.3% | N/A | N/A | 5.5% | 25.8% | 25.8% |
| Capital Allocation | ||||||
| Dividends Paid | 0 | 6.7M | 23M | 27M | 31M | 31M |
| Dividend Yield | N/A | 1.8% | 8.8% | 8.8% | 8.3% | 5.6% |
| Share Buybacks | 0 | 5.4M | 493K | 499K | 19M | 19M |
| Buyback Yield | 0.0% | 1.4% | 0.3% | 0.1% | 5.2% | 3.5% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 632M | 86M | 54M | 109M | 350M | 350M |
| Balance Sheet | ||||||
| Net Debt | 517M | 614M | 550M | 586M | 625M | -35M |
| Cash & Equiv. | 150M | 57M | 62M | 53M | 35M | 35M |
| Long-Term Debt | N/A | N/A | N/A | 574M | 541M | 541M |
| Debt/Equity | 1.40 | 1.33 | 1.12 | 1.02 | 1.11 | 0.00 |
| Interest Coverage | 0.1 | 2.3 | 2.1 | 2.1 | 2.0 | 2.0 |
| Equity | 478M | 505M | 549M | 626M | 597M | 597M |
| Total Assets | 1.3B | 1.4B | 1.4B | 1.5B | 1.5B | 1.5B |
| Total Liabilities | 842M | 869M | 895M | 858M | 864M | 864M |
| Intangibles | N/A | N/A | N/A | 40M | 47M | 47M |
| Retained Earnings | 524M | 607M | 587M | 628M | 657M | 657M |
| Working Capital | 676M | 661M | 617M | 685M | 585M | 585M |
| Current Assets | 852M | 859M | 899M | 941M | 887M | 887M |
| Current Liabilities | 175M | 197M | 282M | 256M | 302M | 302M |
| Per Share Data | ||||||
| EPS | -0.35 | 0.24 | 0.30 | 0.25 | 0.33 | 0.33 |
| Owner EPS | 1.65 | -0.15 | -0.01 | 0.48 | 0.14 | 0.14 |
| Book Value | 2.15 | 2.26 | 2.47 | 2.81 | 2.67 | 2.67 |
| Cash Flow/Share | 1.65 | -0.15 | -0.01 | 0.48 | 0.14 | 0.35 |
| Dividends/Share | N/A | 0.03 | 0.11 | 0.13 | 0.14 | 0.14 |
| Shares Out. | 222.1M | 222.9M | 221.9M | 223.3M | 223.1M | 223.1M |
| Valuation | ||||||
| P/E Ratio | -3.2 | 7.1 | 2.6 | 6.0 | 5.0 | 7.4 |
| P/FCF | 0.7 | N/A | N/A | 3.3 | 15.8 | 23.3 |
| EV/EBIT | 97.4 | 6.0 | 4.0 | 4.6 | 5.4 | 2.8 |
| Price/Book | 0.5 | 0.8 | 0.3 | 0.5 | 0.6 | 0.9 |
| Price/Sales | 0.3 | 0.5 | 0.2 | 0.4 | 0.4 | 0.6 |
| FCF Yield | 144.9% | -10.7% | -7.1% | 29.9% | 6.3% | 4.3% |
| Market Cap | 249M | 384M | 173M | 339M | 371M | 549M |
| Avg. Price | 1.09 | 1.69 | 1.19 | 1.37 | 1.65 | 2.46 |
| Year-End Price | 1.12 | 1.73 | 0.78 | 1.52 | 1.66 | 2.46 |
INTERNATIONAL PERSONAL FINANCE passes 3 of 9 quality checks, indicating weak fundamentals.
INTERNATIONAL PERSONAL FINANCE trades at 7.4x trailing earnings, compared to its 15-year median P/E of 5.5x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 23.3x vs a median of 3.3x. The company's 5-year average ROIC is 10.2%. Total shareholder yield (dividends + buybacks) is 9.1%. At current prices, the estimated annualized return to fair value is -35.7%.
INTERNATIONAL PERSONAL FINANCE (IPF-L) has a current P/E ratio of 7.4, compared to its historical median P/E of 5.5. The stock is currently considered Expensive based on its historical valuation range.
INTERNATIONAL PERSONAL FINANCE (IPF-L) has a 5-year average return on invested capital (ROIC) of 10.2%. This indicates solid capital allocation.
INTERNATIONAL PERSONAL FINANCE (IPF-L) has a market capitalization of $549M. It is classified as a small-cap stock.
Yes, INTERNATIONAL PERSONAL FINANCE (IPF-L) pays a dividend with a trailing twelve-month yield of 5.57%. The company also returns capital through share buybacks, with a buyback yield of 3.52%.
Based on historical P/E analysis, INTERNATIONAL PERSONAL FINANCE (IPF-L) appears expensive. The current P/E of 7.4 is 35% above its historical median of 5.5. The estimated fair value CAGR (P/E method) is 20.8%.
INTERNATIONAL PERSONAL FINANCE (IPF-L) operates in the Financial - Credit Services industry, within the Financial Services sector.
INTERNATIONAL PERSONAL FINANCE (IPF-L) reported annual revenue of $929 million in its most recent fiscal year, based on SEC EDGAR filings.
INTERNATIONAL PERSONAL FINANCE (IPF-L) has a net profit margin of 8.4%. This is a modest margin.
INTERNATIONAL PERSONAL FINANCE (IPF-L) generated $24 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
INTERNATIONAL PERSONAL FINANCE (IPF-L) has a debt-to-equity ratio of 1.11. This indicates moderate leverage.
INTERNATIONAL PERSONAL FINANCE (IPF-L) reported earnings per share (EPS) of $0.33 in its most recent fiscal year.
INTERNATIONAL PERSONAL FINANCE (IPF-L) has a return on equity (ROE) of 12.7%. This indicates moderate shareholder returns.
The Ledger Terminal provides 5 years of financial data for INTERNATIONAL PERSONAL FINANCE (IPF-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
INTERNATIONAL PERSONAL FINANCE (IPF-L) has a book value per share of $2.67, based on its most recent annual SEC filing.
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