Shares Magazine
132.00p+0.00 (+0.00%)19 Nov 2024, 16:35
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International Personal Finance PLC Fundamentals
| Company Name | International Personal Finance PLC | Last Updated | 2024-11-19 |
|---|---|---|---|
| Industry | Credit Services | Sector | Financial Services |
| Shares in Issue | 219.443 m | Market Cap | £289.66 m |
| PE Ratio | 7.32 | Dividend per Share | £0.10 |
| Dividend Yield | 7.07 | Dividend Cover | 2.10 |
| EPS | £0.20 | EPS Growth (%) | -0.16 |
| PEG | 0 | DPS Growth (%) | 0.1294 |
| Debt Ratio | 0.4733 | Debt Equity Ratio | 1.1792 |
| Asset Equity Ratio | 2.4913 | Cash Equity Ratio | n/a |
| Quick Ratio | 0 | Current Ratio | 0 |
| Price To Book Value | 0.5967 | ROCE | 0 |
International Personal Finance PLC Dividends
| Type | Ex-Date | Pay Date | Currency | Net Dividend | Year Total |
|---|---|---|---|---|---|
| Interim | 2024-08-29 | 2024-09-27 | GBP | 0.0340 | |
| Prelim | 2024-04-11 | 2024-05-10 | GBP | 0.0720 | |
| Interim | 2023-08-31 | 2023-09-29 | GBP | 0.0310 | |
| Prelim | 2023-04-06 | 2023-05-05 | GBP | 0.0650 | |
| Interim | 2022-09-01 | 2022-09-30 | GBP | 0.0270 | |
| Prelim | 2022-04-07 | 2022-05-06 | GBP | 0.0580 |
International Personal Finance PLC Company Financials
| Assets | 2023 | 2022 | 2021 |
|---|---|---|---|
| Tangible Assets | £37.70 m | £36.60 m | £31.50 m |
| Intangible Assets | £55.90 m | £52.10 m | £48.10 m |
| Investments | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 |
| Stocks | 0 | 0 | 0 |
| Debtors | 0 | 0 | 0 |
| Cash & Equivalents | 0 | 0 | 0 |
| Other Assets | 0 | 0 | 0 |
| Total Assets | £1.19 bn | £1.17 bn | £999.30 m |
| Liabilities | 2023 | 2022 | 2021 |
|---|---|---|---|
| Creditors within 1 year | 0 | 0 | 0 |
| Creditors after 1 year | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 |
| Total Liabilities | £687.10 m | £725.90 m | £632.20 m |
| Net assets | £501.90 m | £445.20 m | £367.10 m |
| Equity | 2023 | 2022 | 2021 |
|---|---|---|---|
| Called up share capital | £23.40 m | £23.40 m | £23.40 m |
| Share Premium | £2.30 m | £2.30 m | £2.30 m |
| Profit / Loss | £83.90 m | £77.40 m | £67.70 m |
| Other Equity | £501.90 m | £445.20 m | £367.10 m |
| Preference & Minorities | 0 | 0 | 0 |
| Total Capital Employed | £501.90 m | £445.20 m | £367.10 m |
| Ratios | 2023 | 2022 | 2021 |
|---|---|---|---|
| Debt Ratio | £0.52 | £0.56 | £0.57 |
| Debt-to-Equity | £1.07 | £1.28 | £1.34 |
| Assets / Equity | 2.4913 | 2.4913 | 2.4913 |
| Cash / Equity | n/a | n/a | n/a |
| EPS | £0.22 | £0.26 | £0.19 |
| Cash Flow | 2023 | 2022 | 2021 |
|---|---|---|---|
| Cash from operating activities | £85.80 m | -£900,000.00 | -£24.80 m |
| Cashflow before financing | £13.10 m | £26.30 m | -£57.00 m |
| Increase in Cash | -£9.50 m | £2.80 m | -£72.20 m |
| Income | 2023 | 2022 | 2021 |
|---|---|---|---|
| Turnover | £690.90 m | £577.40 m | £494.70 m |
| Cost of sales | 0 | 0 | 0 |
| Gross Profit | 0 | 0 | 0 |
| Operating Profit | 0 | 0 | 0 |
| Pre-Tax profit | £83.90 m | £77.40 m | £67.70 m |
International Personal Finance PLC Company Background
| Sector | Financial Services |
|---|---|
| Activities | International Personal Finance PLC provides consumer loans. The company's segment is based on geographical regions: European home credit, Mexico home credit, and Digital. It generates maximum revenue from the European home credit segment. The company home credit business operates as the Provident brand and makes small, unsecured loans to customers with low or unstable incomes and little to no credit history. Its digital business provides loans and revolving credit lines thatcustomers access online. |
| Latest Interim Date | 31 Jul 2024 |
| Latest Fiscal Year End Date | 14 Mar 2024 |
International Personal Finance PLC Directors
| Appointed | Name | Position |
|---|---|---|
| 2024-02-08 | Mr. Stuart William Sinclair | Non-Executive Director,Chairman |
| 2020-04-30 | Mr. Daniel Noel O'Connor | Non-Executive Director,Chairman |
| 2022-06-20 | Ms. Bronwyn Syiek | Non-Executive Director |
| 2017-03-21 | Mr. David Edward Spencer Broadbent | Executive Director,Chief Commercial Officer |
| 2012-04-19 | Mr. Charles Henry Gregson | Non-Executive Director |
| 2015-04-30 | Mr. Christopher John Rodrigues CBE | Non-Executive Director,Chairman |
| 2015-01-16 | Ms. Edyta Kurek | Non-Executive Director |
| 2023-03-23 | Ms. Cathryn Elizabeth Riley | Non-Executive Director |
| 2013-04-25 | Mr. John Lorimer | Non-Executive Director |
| 2019-05-02 | Mr. Antony John Hales CBE | Non-Executive Director |
| 2012-03-30 | Mr. John Arthur Harnett | Executive Director,Chief Executive Officer |
| 2015-12-18 | Mr. Nicholas Hurst Page | Non-Executive Director |
| 2024-04-05 | Mr. Gerard Jude Ryan | Executive Director,Chief Executive Officer |
| 2009-10-05 | Mr. Raymond Reginald Miles | Non-Executive Director,Deputy Chairman |
| 2011-08-09 | Mr. Craig Neil Shannon | Executive Director,Development Director |
| 2018-05-04 | Ms. Jayne Doreen Almond | Non-Executive Director |
| 2023-03-23 | Mr. Richard Frank Moat | Non-Executive Director,Senior Independent Director |
| 2017-03-21 | Mr. Adrian David Edmund Gardner | Executive Director,Chief Financial Officer |
| 2022-12-20 | Mr. John Mangelaars | Non-Executive Director |
| 2021-07-27 | Mr. Justin Lockwood | Executive Director,Chief Financial Officer |
| 2024-03-26 | Mrs. Katrina Cliffe | Non-Executive Director,Senior Independent Director |
| 2024-03-26 | Ms. Deborah Lee Davis | Non-Executive Director |
| 2024-03-26 | Mr. W Richard Holmes | Non-Executive Director |
| 2024-06-28 | Mr. Gary Thompson | Executive Director,Chief Financial Officer |
| 2024-06-12 | Ms. Aileen Wallace | Non-Executive Director |
International Personal Finance PLC Contact Details
| Company Name | International Personal Finance PLC |
|---|---|
| Address | Number Three, Leeds City Office Park, Meadow Lane, Leeds, LS11 5BD |
| Telephone | +44 1132856700 |
| Website | https://www.ipfin.co.uk |
International Personal Finance PLC Advisors
| Auditor | Deloitte LLP |
|---|---|
| Phone | +44 1312256834 |
| Fax | +44 1312254049 |
| Remuneration Consultant | Willis Towers Watson |
|---|---|
| Phone | +44 2071702000 |
| Fax | +44 2071702222 |
| Financial PR Adviser | FTI Consulting Inc |
|---|---|
| Phone | +44 2037271000 |
| Fax | +44 2037271007 |
| Financial Adviser | Canaccord Genuity |
|---|---|
| Phone | +44 2075238000 |
| Stockbroker | Citi |
|---|---|
| Phone | +44 2079864000 |
| Fax | +44 2079862266 |
| Registrar | Capita Asset Services |
|---|---|
| Phone | +44 8716640300 |
| Fax | +44 2086392342 |
| Stockbroker | Numis Securities Limited |
|---|---|
| Phone | +44 2072601000 |
| Fax | +44 2072601001 |
| Remuneration Consultant | Kepler Associates |
|---|---|
| Phone | +44 2079307730 |
| Fax | +44 2079307733 |
| Financial Adviser | Commerzbank AG |
|---|---|
| Phone | (020) 7653 7000 |
| Fax | (020) 7653 7400 |
| Solicitor | Slaughter and May |
|---|---|
| Phone | +44 2076001200 |
| Fax | +44 2070905000 |
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