Inter. Pers.

International Personal Finance (IPF)

Company name:Inter. Pers.
EPIC:IPFTrading Currency:GBX
Market Sector:SSC5ISIN: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
 225.00 uk.advfn.com/p.php?gfx=/gb/down -1.2 [-0.53] 225.40 226.60 220.40 225.00 220.40 18,397
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 501.55 222.91 -0.32 33.70 12.40 6.68 5.51 258.80 - 156.25

International Personal Finance Key Figures

(at previous day's close)
Market Cap.501.55m
Shares In Issue222.91m
Prev. Close226.20
PE Ratio6.68 
Dividend Yield5.51%
EPS - basic33.70p
Dividend PS12.40p
Dividend Cover2.72 
Cash Flow PS-3.50p
Return On Equity (ROE)7.37%
Operating Margin12.79%
PEG Factor0.58 
EPS Growth Rate11.59%
Dividends PS Growth Rate-%
Net Debt818.30m
Gross Gearing62.99%
Quick Assets1,249.40m
Net Working Capital1,011.90m
Intangibles / Fixed Assets61.70%
Turnover PS370.46p
Pre-Tax Profit PS47.37p
Retained Profit PS4.04p
Cash PS12.29p
Net Cash PS-94.25p
Net Tangible Asset Value PS *197.12p
Net Asset Value PS222.91p
Spread1.20 (0.53%) 

International Personal Finance Balance Sheet

LSE:IPF:Liabilities+EQLSE:IPF:Assets

Share Price Performance

Sample Period HighLow
1 week236.20220.40
4 weeks251.40220.40
12 weeks258.80191.40
1 year258.80156.25

Share Price Chart (5 years)

International Personal Finance Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week234.00-9.00-3.85220.400.20228.32
4 weeks250.00-25.00-10.00220.400.22236.12
12 weeks196.3028.7014.62191.400.36226.72
26 weeks199.2525.7512.92182.000.24217.56
1 year165.5059.5035.95156.250.36198.88
3 years492.80-267.80-54.34143.800.53255.32
5 years524.50-299.50-57.10143.800.54362.24

International Personal Finance Key Management Ratios

International Personal Finance Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio- 
PE Ratio6.68 
Tobin's Q Ratio 0.39 
Tobin's Q Ratio (excl. intangibles)0.41 
Dividend Yield5.51%
Market-to-Book Ratio1.01 
Price-to-Pre-Tax Profit PS4.75 
Price-to-Retained Profit PS55.73 
Price-to-Cash Flow PS-64.30 
Price-to-Sales PS0.61 
Price-to-Net Tangible Asset Value PS1.14 
Price-to-Cash PS18.30 
Net Working Capital PS453.95 
Price Pct to Working Capital PS0.50%
Earnings Yield14.98%
Average PE9.96 
Years in average5 
PE to PE average67.05%

International Personal Finance Financial Ratios

(Leverage Ratios)
Debt Ratio55.04%
Debt-to-Equity Ratio1.22 
Debt-to-Equity Ratio (excl. Intgbl)1.38 
Debt-to-Equity Market Value1.21 
Net Gearing60.95%
Net Gearing (excl. Intangibles)63.68%
Gross Gearing62.99%
Gross Gearing (excl. Intangibles)65.81%
Gearing Under 1 Year17.69%
Gearing Under 1 Year (excl. Intgbl)18.48%
Assets/Equity2.70 
Cash/Equity5.51 
(Liquidity Ratios)
Net Working Capital to Total Assets75.37%
Current Ratio5.26 
Quick Ratio (Acid Test)5.26 
Liquidity Ratio0.12 
Cash & Equiv/Current Assets2.19%
(Solvency Ratios)
Enterprise Value1,082.35m
CFO/Sales-0.01 
CFO/Attributable Profit- 
CFO/Assets-0.01 
CFO/Debt-0.01 
Total Debt/Equity Market Value1.69 
Total Debt/Sales1.02 
Total Debt/Pre-Tax Profit8.01 
Total Debt845.70m
Total Debt/Net Current Assets0.84%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth7.27%
5 yr Compound Earnings Growth-%
10 yr Compound Earnings Growth5.50%
Earn drops > 5% in 10yrs4 
Beta (60-Mnth)Beta (36-Mnth)
-0.3244-0.1686

International Personal Finance Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)9.56%
Return On Assets (ROA)2.86%
Net Profit Margin4.43%
Assets Turnover0.65 
Return On Equity (ROE)7.37%
Return On Investment (ROI)3.40%
Dividend Payout Ratio36.80%
Plowback Ratio63.20%
Growth from Plowback Ratio4.99%
Net Income Of Revenues1.09%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.78 
Fixed Assets Turnover8.79 
Current Assets Turnover0.70 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales1.55 
Debtors-to-Sales139.13%
Debt Collection Period507.81Days

International Personal Finance Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
01 Mar 2018FinalGBX7.8031/12/201631/12/201712/04/201813/04/201811/05/201812.40
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 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
turnover783.20100.00%735.40100.00%763.40100.00%825.80100.00%m
pre tax profit100.2012.79%100.2013.63%92.6012.13%105.6012.79%m
attributable profit71.809.17%62.508.50%66.908.76%36.604.43%m
retained profit48.906.24%33.904.61%39.505.17%9.001.09%m
eps - basic (p)30.20 27.30 30.20 33.70 
eps - diluted (p)29.40 26.60 29.40 32.40 
dividends per share12.00 12.40 12.40 12.40 

International Personal Finance Balance Sheet

 31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
LSE:IPF:Liabilities+EQLSE:IPF:AssetsLSE:IPF:Liabilities+EQLSE:IPF:AssetsLSE:IPF:Liabilities+EQLSE:IPF:AssetsLSE:IPF:Liabilities+EQLSE:IPF:Assets
 31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
ASSETS
fixed assets fixed assets28.202.93%24.302.38%23.401.93%23.201.73%m
intangibles intangibles10.101.05%45.704.47%55.904.60%57.504.28%m
fixed investments fixed investments5.800.60%11.501.13%15.401.27%12.500.93%m
current assets - other current assets - other--%--%--%--%m
stocks stocks--%--%--%--%m
debtors debtors849.9088.27%900.7088.12%1,075.8088.62%1,222.0091.02%m
cash & securities cash & securities68.807.15%39.903.90%43.403.58%27.402.04%m
TOTAL962.80100%1,022.10100%1,213.90100%1,342.60100%m
LIABILITIES
creditors - short creditors - short194.6020.21%151.5014.82%166.8013.74%237.5017.69%m
creditors - long creditors - long406.6042.23%543.4053.17%617.6050.88%608.2045.30%m
creditors - other creditors - other--%--%--%--%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds--%--%--%--%m
TOTAL601.2062.44%694.9067.99%784.4064.62%845.7062.99%m
EQUITY
ord cap, reserves ord cap, reserves361.6037.56%327.2032.01%429.5035.38%496.9037.01%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL361.6037.56%327.2032.01%429.5035.38%496.9037.01%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

International Personal Finance Cash Flow Statement

31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
Operating CF33.9022.4021.80-7.80m
Pre-Financing CF13.30-25.30-2.30-29.10m
Retained CF45.10-26.70-1.50-17.40m

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
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P:33 V:gb D:20180524 07:55:26