Inter. Pers.

International Personal Finance (IPF)

Company name:Inter. Pers.
EPIC:IPFTrading Currency:GBX
Market Sector:SSC1ISIN:GB00B1YKG049
Market Segment:SSMMShare Type:DE
WWW Address:http://www.ipfin.co.uk/Description:ORD 10P
Industry Sector:GENERAL FINANCIAL
 Price Price Change [%] Bid Offer Open High Low Volume
 197.75 uk.advfn.com/p.php?gfx=/gb/dot 0.0 [0.00] 196.75 197.50 196.00 198.75 196.00 110,546
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 440.81 222.91 -0.28 30.20 12.40 6.55 6.27 222.25 - 143.80

International Personal Finance Key Figures

(at previous day's close)
Market Cap.440.81m
Shares In Issue222.91m
Prev. Close197.75
PE Ratio6.55 
Dividend Yield6.27%
EPS - basic30.20p
Dividend PS12.40p
Dividend Cover2.44 
Cash Flow PS9.78p
Return On Equity (ROE)15.58%
Operating Margin12.13%
PEG Factor0.62 
EPS Growth Rate10.62%
Dividends PS Growth Rate-%
Net Debt741.00m
Gross Gearing64.62%
Quick Assets1,119.20m
Net Working Capital952.40m
Intangibles / Fixed Assets59.03%
Turnover PS342.47p
Pre-Tax Profit PS41.54p
Retained Profit PS17.72p
Cash PS19.47p
Net Cash PS-55.36p
Net Tangible Asset Value PS *167.60p
Net Asset Value PS192.68p
Spread0.75 (0.38%) 

International Personal Finance Balance Sheet

LSE:IPF:Liabilities+EQLSE:IPF:Assets

Share Price Performance

Sample Period HighLow
1 week202.75190.75
4 weeks203.00188.25
12 weeks222.25172.25
1 year222.25143.80

Share Price Chart (5 years)

International Personal Finance Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week190.757.003.67190.750.15197.27
4 weeks194.253.501.80188.250.16195.84
12 weeks208.50-10.75-5.16172.250.39203.17
26 weeks161.5036.2522.45156.500.44193.87
1 year165.0032.7519.85143.800.61178.57
3 years442.30-244.55-55.29143.800.59289.29
5 years374.90-177.15-47.25143.800.56374.22

International Personal Finance Key Management Ratios

International Personal Finance Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio24.72 
PE Ratio6.55 
Tobin's Q Ratio 0.39 
Tobin's Q Ratio (excl. intangibles)0.41 
Dividend Yield6.27%
Market-to-Book Ratio1.03 
Price-to-Pre-Tax Profit PS4.76 
Price-to-Retained Profit PS11.16 
Price-to-Cash Flow PS20.22 
Price-to-Sales PS0.58 
Price-to-Net Tangible Asset Value PS1.18 
Price-to-Cash PS10.16 
Net Working Capital PS427.25 
Price Pct to Working Capital PS0.46%
Earnings Yield15.27%
Average PE11.32 
Years in average5 
PE to PE average57.84%

International Personal Finance Financial Ratios

(Leverage Ratios)
Debt Ratio58.98%
Debt-to-Equity Ratio1.44 
Debt-to-Equity Ratio (excl. Intgbl)1.65 
Debt-to-Equity Market Value1.40 
Net Gearing61.04%
Net Gearing (excl. Intangibles)63.99%
Gross Gearing64.62%
Gross Gearing (excl. Intangibles)67.74%
Gearing Under 1 Year13.74%
Gearing Under 1 Year (excl. Intgbl)14.40%
Assets/Equity2.83 
Cash/Equity10.10 
(Liquidity Ratios)
Net Working Capital to Total Assets78.46%
Current Ratio6.71 
Quick Ratio (Acid Test)6.71 
Liquidity Ratio0.26 
Cash & Equiv/Current Assets3.88%
(Solvency Ratios)
Enterprise Value1,015.01m
CFO/Sales0.03 
CFO/Attributable Profit0.33 
CFO/Assets0.02 
CFO/Debt0.03 
Total Debt/Equity Market Value1.78 
Total Debt/Sales1.03 
Total Debt/Pre-Tax Profit8.47 
Total Debt784.40m
Total Debt/Net Current Assets0.82%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth0.52%
10 yr Compound Earnings Growth8.26%
Earn drops > 5% in 10yrs4 
Beta (60-Mnth)Beta (36-Mnth)
-0.2812-0.1841

International Personal Finance Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)8.84%
Return On Assets (ROA)5.98%
Net Profit Margin8.76%
Assets Turnover0.68 
Return On Equity (ROE)15.58%
Return On Investment (ROI)6.98%
Dividend Payout Ratio41.06%
Plowback Ratio58.94%
Growth from Plowback Ratio10.42%
Net Income Of Revenues5.17%
(Asset Utilisation Multiples)
Shareholders Equity Turnover2.02 
Fixed Assets Turnover8.67 
Current Assets Turnover0.74 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales1.46 
Debtors-to-Sales129.45%
Debt Collection Period472.51Days

International Personal Finance Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
26 Jul 2017InterimGBX4.6031/12/201631/12/201707/09/201708/09/201706/10/2017-
01 Mar 2017FinalGBX7.8031/12/201531/12/201617/04/201718/04/201712/05/201712.40
28 Jul 2016InterimGBX4.6031/12/201531/12/201601/09/201602/09/201607/10/2016-
24 Feb 2016FinalGBX7.8031/12/201431/12/201507/04/201608/04/201613/05/201612.40
29 Jul 2015InterimGBX4.6031/12/201431/12/201503/09/201504/09/201502/10/2015-
25 Feb 2015FinalGBX7.8031/12/201331/12/201409/04/201510/04/201508/05/201512.00
30 Jul 2014InterimGBX4.2031/12/201331/12/201403/09/201405/09/201403/10/2014-
26 Feb 2014FinalGBX5.5031/12/201231/12/201309/04/201411/04/201409/05/20149.30
30 Jul 2013InterimGBX3.8031/12/201231/12/201304/09/201306/09/201304/10/2013-
06 Mar 2013FinalGBX4.5131/12/201131/12/201220/03/201322/03/201303/05/20137.74
24 Jul 2012InterimGBX3.2331/12/201131/12/201205/09/201207/09/201205/10/2012-
29 Feb 2012FinalGBX4.1031/12/201031/12/201118/04/201220/04/201201/06/20127.10
20 Jul 2011InterimGBX3.0031/12/201031/12/201107/09/201109/09/201107/10/2011-
02 Mar 2011FinalGBX3.7431/12/200931/12/201013/04/201115/04/201120/05/20116.27
22 Jul 2010InterimGBX2.5331/12/200931/12/201008/09/201010/09/201008/10/2010-
03 Mar 2010FinalGBX3.4031/12/200831/12/200914/04/201016/04/201021/05/20105.70
23 Jul 2009InterimGBX2.3030/12/200830/06/200902/09/200904/09/200902/10/2009-
04 Mar 2009FinalGBX3.4031/12/200731/12/200815/04/200917/04/200922/05/20095.70
31 Jul 2008InterimGBX2.3030/12/200730/06/200803/09/200805/09/200803/09/2008-
05 Mar 2008FinalGBX2.8531/12/200631/12/200709/04/200811/04/200823/05/20084.75

International Personal Finance Fundamentals

 31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
turnover746.80100.00%783.20100.00%735.40100.00%763.40100.00%m
pre tax profit13.051.75%100.2012.79%100.2013.63%92.6012.13%m
attributable profit95.6012.80%71.809.17%62.508.50%66.908.76%m
retained profit75.2010.07%48.906.24%33.904.61%39.505.17%m
eps - basic (p)39.18 30.20 27.30 30.20 
eps - diluted (p)38.07 29.40 26.60 29.40 
dividends per share9.30 12.00 12.40 12.40 

International Personal Finance Balance Sheet

 31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
LSE:IPF:Liabilities+EQLSE:IPF:AssetsLSE:IPF:Liabilities+EQLSE:IPF:AssetsLSE:IPF:Liabilities+EQLSE:IPF:AssetsLSE:IPF:Liabilities+EQLSE:IPF:Assets
 31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
ASSETS
fixed assets fixed assets28.803.11%28.202.93%24.302.38%23.401.93%m
intangibles intangibles1.800.19%10.101.05%45.704.47%55.904.60%m
fixed investments fixed investments6.500.70%5.800.60%11.501.13%15.401.27%m
current assets - other current assets - other--%--%--%--%m
stocks stocks--%--%--%--%m
debtors debtors865.7093.35%849.9088.27%900.7088.12%1,075.8088.62%m
cash & securities cash & securities24.602.65%68.807.15%39.903.90%43.403.58%m
TOTAL927.40100%962.80100%1,022.10100%1,213.90100%m
LIABILITIES
creditors - short creditors - short146.5015.80%194.6020.21%151.5014.82%166.8013.74%m
creditors - long creditors - long387.0041.73%406.6042.23%543.4053.17%617.6050.88%m
creditors - other creditors - other--%--%--%--%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds--%--%--%--%m
TOTAL533.5057.53%601.2062.44%694.9067.99%784.4064.62%m
EQUITY
ord cap, reserves ord cap, reserves393.9042.47%361.6037.56%327.2032.01%429.5035.38%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL393.9042.47%361.6037.56%327.2032.01%429.5035.38%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

International Personal Finance Cash Flow Statement

31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
Operating CF-1.3033.9022.4021.80m
Pre-Financing CF-14.6013.30-25.30-2.30m
Retained CF0.7045.10-26.70-1.50m

International Personal Finance Brokers

NameActivityTypeMnemonicCode
THE ROYAL BANK OF SCOT N.V.Market Maker(MME)Broker/DealerRBSMABNAGB22
J.P. Morgan Cazenove LimitedMarket Maker(MME)Broker/DealerCAZRCAZEGB2L
Commerzbank AGMarket Maker(MME)Broker/DealerKLWTDRESGB2LPST
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Canaccord Genuity LimitedMarket Maker(MME)Broker/DealerCANAHOARGB21001
Numis Securities LimitedMarket Maker(MME)Broker/DealerNUMSRAZHGB2LBIC
Citigrp Global Mkt UK EquitiesMarket Maker(MME)Broker/DealerCITISBUKGB21
Shore Capital Stockbrokers LtdMarket Maker(MME)Broker/DealerSCAPSHOCGB21
Merrill Lynch InternationalMarket Maker(MME)Broker/DealerMLSBSNCSGB2LBIC
UBS AGMarket Maker(MME)Broker/DealerUBS.UBSWGB2LEQU
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
Your Recent History
LSE
GKP
Gulf Keyst..
LSE
QPP
Quindell
FTSE
UKX
FTSE 100
LSE
IOF
Iofina
FX
GBPUSD
UK Sterlin..
Stocks you've viewed will appear in this box, letting you easily return to quotes you've seen previously.

Register now to create your own custom streaming stock watchlist.

NYSE, AMEX, and ASX quotes are delayed by at least 20 minutes.
All other quotes are delayed by at least 15 minutes unless otherwise stated.

By accessing the services available at ADVFN you are agreeing to be bound by ADVFN's Terms & Conditions

P:30 V:gb D:20171211 20:42:41