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International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico. The company provides home credit installment loans; hybrid loans; credit card; retail credit; digital installment loans; revolving credit line; mobile wallet services; and value added services, including health and life insurance. It offers its products under the Provident, and Creditea digital brands. The company was founded in 1997 and is headquartered in Leeds, the United Kingdom.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 85.30M | 73.30M | 83.90M | 77.40M | 67.70M |
| Net income | 54.20M | 60.90M | 48.00M | 56.80M | 41.90M |
| Selling general administrative | 312.90M | 308.10M | 308.90M | 271.80M | 259.40M |
| Gross profit | 708.70M | 655.90M | 598.40M | 577.40M | 494.70M |
| Reconciled depreciation | 28.80M | 29.30M | 29.30M | 27.30M | 28.70M |
| Ebit | 158.60M | 212.70M | 160.80M | 145.50M | 67.70M |
| Ebitda | 187.40M | - | 190.10M | 172.80M | 96.40M |
| Depreciation and amortization | 28.80M | 29.30M | 29.30M | 27.30M | 28.70M |
| Operating income | 159.90M | 212.70M | 289.50M | 145.50M | 67.70M |
| Other operating expenses | 577.60M | 443.20M | 478.30M | 393.30M | 370.80M |
| Interest expense | 73.30M | 71.70M | 76.90M | 68.10M | 54.00M |
| Tax provision | 31.10M | 12.40M | 35.90M | 20.60M | 25.80M |
| Interest income | 739.50M | 727.60M | 767.80M | 645.50M | 548.70M |
| Net interest income | 666.20M | 655.90M | 690.90M | 577.40M | 494.70M |
| Income tax expense | 31.10M | 12.40M | 35.90M | 20.60M | 25.80M |
| Total revenue | 737.50M | 655.90M | 767.80M | 577.40M | 494.70M |
| Total operating expenses | 548.80M | 443.20M | 308.90M | 393.30M | 370.80M |
| Cost of revenue | 28.80M | 71.70M | 169.40M | - | - |
| Total other income expense net | -74.60M | -139.40M | -205.60M | -68.10M | -54.00M |
| Net income from continuing ops | 54.20M | 60.90M | 48.00M | 56.80M | 41.90M |
| Net income applicable to common shares | - | - | - | 56.80M | 41.90M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1337.30M | 1141.70M | 1189.00M | 1171.10M | 999.30M |
| Intangible assets | 52.70M | 37.10M | 32.30M | 27.90M | 25.20M |
| Other current assets | 1076.80M | 872.50M | 22.20M | 4.50M | 863.30M |
| Total liab | 791.30M | 675.40M | 687.10M | 725.90M | 632.20M |
| Total stockholder equity | 546.00M | 466.30M | 501.90M | 445.20M | 367.10M |
| Other current liab | -14.40M | -106.90M | 129.50M | -106.70M | -112.80M |
| Common stock | 22.50M | 22.50M | 23.40M | 23.40M | 23.40M |
| Capital stock | 22.50M | 22.50M | 23.40M | 23.40M | 23.40M |
| Retained earnings | 536.60M | 513.40M | 503.20M | 476.00M | 441.50M |
| Other liab | - | - | - | 5.90M | 7.90M |
| Good will | 23.80M | 22.60M | 23.60M | 24.20M | 22.90M |
| Other assets | - | 1141.70M | -2.90M | 1019.80M | 863.30M |
| Cash | 30.40M | 27.60M | 42.50M | 50.70M | 41.70M |
| Total current liabilities | 67.30M | 14.40M | 214.10M | 15.50M | 112.80M |
| Current deferred revenue | - | - | 43.70M | - | - |
| Net debt | 624.10M | -27.60M | 492.90M | 519.50M | 448.60M |
| Short term debt | 67.30M | 100.90M | 60.50M | - | - |
| Short long term debt total | 654.50M | 535.80M | 535.40M | 570.20M | 490.30M |
| Other stockholder equity | -37.90M | -21.70M | -27.00M | -54.20M | -97.80M |
| Property plant equipment | - | - | - | 36.60M | 31.50M |
| Total current assets | 1110.10M | 913.70M | 754.30M | 58.10M | 55.70M |
| Long term investments | 1.50M | 2.60M | 2.90M | 4.50M | 0.70M |
| Net tangible assets | - | - | - | 393.10M | 319.00M |
| Net receivables | 2.90M | 13.60M | 689.60M | 16.20M | 14.00M |
| Inventory | - | - | 0.00M | - | - |
| Accounts payable | 14.40M | 14.40M | 16.80M | 122.20M | 112.80M |
| Accumulated other comprehensive income | 24.80M | -44.70M | 12.00M | - | - |
| Non currrent assets other | 5.00M | 890.50M | 341.10M | -93.20M | -80.30M |
| Non current assets total | 227.20M | 1091.20M | 437.60M | 93.20M | 80.30M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -24.10M | -22.60M | -23.50M | -15.20M |
| Change to liabilities | - | - | - | -3.80M | 26.70M |
| Total cashflows from investing activities | -35.20M | -24.10M | -22.60M | -23.50M | -15.20M |
| Net borrowings | 78.80M | 39.70M | -39.20M | 46.50M | -23.40M |
| Total cash from financing activities | 40.70M | -12.60M | -72.70M | 27.20M | -32.20M |
| Change to operating activities | - | - | - | 2.20M | -15.80M |
| Net income | 54.20M | 60.90M | 48.00M | 56.80M | 41.90M |
| Change in cash | 2.80M | -14.90M | -8.20M | 9.00M | -74.60M |
| Begin period cash flow | 27.60M | 42.50M | 50.70M | 41.70M | 116.30M |
| End period cash flow | 30.40M | 27.60M | 42.50M | 50.70M | 41.70M |
| Total cash from operating activities | -4.50M | 24.80M | 85.80M | -0.90M | -24.80M |
| Issuance of capital stock | 0.50M | -1.10M | 0.40M | - | - |
| Depreciation | 28.80M | 29.30M | 29.30M | 27.30M | 28.70M |
| Other cashflows from investing activities | - | -17.70M | -17.90M | - | - |
| Dividends paid | 25.80M | 23.90M | 21.50M | 18.90M | 4.90M |
| Change to account receivables | -119.10M | -10.40M | 0.90M | -115.70M | -88.40M |
| Sale purchase of stock | 0.00M | -15.10M | -0.40M | -0.40M | -3.90M |
| Other cashflows from financing activities | -12.80M | -12.20M | -11.60M | 90.10M | 39.50M |
| Change to netincome | - | - | - | 32.30M | -17.90M |
| Capital expenditures | 7.40M | 24.20M | 22.60M | 23.80M | 15.40M |
| Change in working capital | -119.10M | -62.00M | -1.40M | -117.30M | -77.50M |
| Stock based compensation | 2.10M | 1.70M | 2.70M | 2.20M | -0.20M |
| Other non cash items | 31.60M | -5.10M | 7.20M | 30.10M | 55.20M |
| Free cash flow | -11.90M | 0.60M | 63.20M | -24.70M | -40.20M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(GBX) |
Price
(GBX) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FCH Funding Circle Holdings PLC |
1.50 0.71% |
214.00 | 10.00 | 14.04 | 1.97 | 1.67 | 2.25 |
| 47IE S&U plc |
-64.35 99.00% |
0.65 | - | - | 5.12 | - | - |
| SUS S&U plc |
30.00 1.60% |
1910.00 | 11.83 | 9.30 | 3.52 | 1.02 | 4.66 |
| ASAI ASA International Group PLC |
6.00 2.40% |
256.00 | 6.19 | 3.58 | 0.89 | 1.77 | 2.72 |
International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico. The company provides home credit installment loans; hybrid loans; credit card; retail credit; digital installment loans; revolving credit line; mobile wallet services; and value added services, including health and life insurance. It offers its products under the Provident, and Creditea digital brands. The company was founded in 1997 and is headquartered in Leeds, the United Kingdom.
| Name | Title | Year Born |
|---|---|---|
| Mr. Gerard Jude Ryan | CEO & Exec. Director | 1965 |
| Mr. Gary Thompson | CFO & Exec. Director | 1973 |
| Ms. Rachel Moran | Investor Relations Mang. | NA |
| James Ormrod | Chief Legal Officer | NA |
| Mr. Gergely Mikola | Group Corp. Affairs Director | NA |
| Ms. Lyndsey Hamilton-Scott | Chief HR Officer | NA |
| Ms. Botond Szirmak | Head of European Home Credit | NA |
| Krzysztof Adamski | Group Treasurer | NA |
| Laura Dobson | Company Sec. | NA |
| Mr. Craig Shannon | Exec. Officer | 1964 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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