International Personal Finance (LON:IPF) Issues Earnings Results

International Personal Finance (LON:IPF) released its earnings results on Wednesday. The company reported GBX 26.30 earnings per share for the quarter, Digital Look Earnings reports. International Personal Finance had a return on equity of 9.98% and a net margin of 6.45%.

Here are the key takeaways from International Personal Finance’s conference call:

• Delivered a solid set of results with pre-exceptional PBT of £88.6m (+4%), group lending up ~12%, receivables up ~14% to ~£1.1bn, and a proposed final dividend up 12.5%.
• Product and distribution momentum — >200,000 credit‑card users in Poland, partnerships in ~2,700 retailers, digital rollouts and customer growth to 1.729m, with a long‑term target of 2.5m customers.
• Strong funding and capital position with total facilities of £750m, funding headroom of £129m, blended funding cost down to 12.2%, and an equity‑to‑receivables ratio of 51% supporting planned growth.
• Management is increasing investment that will weigh on near‑term earnings — an extra £5m p.a. through the P&L for 2–3 years plus CapEx rising to ~£45–50m in 2026–27, which the company says will moderate returns in 2026 before improving later.
• Regulatory and geopolitical risks are material and uncertain — rapid CCD2 transposition could introduce fee/rate caps, tighter affordability rules or “free credit” sanctions, while recent security unrest in Mexico has closed branches and may affect ~10% of the local customer base.

International Personal Finance Trading Up 0.8%

LON IPF opened at GBX 250 on Friday. The firm has a market cap of £548.18 million, a P/E ratio of 8.04, a P/E/G ratio of 0.32 and a beta of 1.33. The company has a debt-to-equity ratio of 117.92, a current ratio of 3.58 and a quick ratio of 3.69. The stock’s 50-day moving average is GBX 234.46 and its 200-day moving average is GBX 216.88. International Personal Finance has a one year low of GBX 124 and a one year high of GBX 252.

Analyst Upgrades and Downgrades

Separately, Shore Capital Group downgraded shares of International Personal Finance to a “sell” rating in a research report on Tuesday, February 3rd. One investment analyst has rated the stock with a Sell rating, According to data from MarketBeat.com, International Personal Finance presently has an average rating of “Sell”.

Trending Headlines about International Personal Finance

Here are the key news stories impacting International Personal Finance this week:

• Positive Sentiment: IPF publicly backed an improved, revised offer from BasePoint (management recommended the improved bid), an outcome that typically supports share value by reducing takeover uncertainty and lifting near-term demand. International Personal Finance FY profits rise, backs improved BasePoint offer
• Positive Sentiment: The market moved sharply after reports that BasePoint submitted a revised final offer and shares jumped (~7% in initial headlines), reflecting investor optimism that a higher offer increases deal probability and value to shareholders. International Personal Finance shares jump 7% as BasePoint submits revised final offer
• Positive Sentiment: IPF reported solid FY/Q4 results (GBX 26.30 EPS for the quarter; FY profits rose and ROE ~10%), which supports valuation metrics (current P/E ~8) and underpins management’s support for the takeover talks. MarketBeat earnings release and slide deck
• Neutral Sentiment: Management held an earnings call (transcript available) with details on performance, outlook and integration risks—useful for shareholders doing diligence but not a fresh catalyst by itself. Earnings call transcript
• Neutral Sentiment: IPF Parent Holdings has also reportedly increased its offer/position, adding another buyer-side dynamic; this increases deal options but can prolong uncertainty until any agreement is finalised. IPF Parent Holdings boosts offer
• Neutral Sentiment: Short video/market roundup coverage mentioned IPF among small-cap movers; useful for retail visibility but not a primary driver. Small Cap Snapshot

About International Personal Finance

International Personal Finance plc is helping to build a better world through financial inclusion by providing affordable credit products and insurance services to underserved consumers across nine markets. Our 1.7 million customers, who have low to medium incomes and a limited credit history, turn to us to fulfil their plans when it really matters. As a group of people who are often financially excluded, we play a vital role in society by responsibly providing unsecured, affordable credit tailored to meet their personal needs and financial circumstances, as well as a variety of great value home, medical and life insurances to help them and their families.