Share Name Share Symbol Market Type Share ISIN Share Description
International Personal Finance LSE:IPF London Ordinary Share GB00B1YKG049 ORD 10P
  Price Change % Change Share Price Bid Price Offer Price High Price Low Price Open Price Shares Traded Last Trade
  -0.75p -0.43% 174.00p 174.75p 175.00p 178.75p 171.50p 178.75p 181,954 16:35:26
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
General Financial 763.4 92.6 30.2 5.8 387.87

International Personal Finance Share Discussion Threads

Showing 501 to 525 of 525 messages
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DateSubjectAuthorDiscuss
28/6/2017
09:28
Sale of home credit business in Bulgaria International Personal Finance plc ("IPF") has completed the sale of its home credit business in Bulgaria to Easy Asset Management AD, a large home credit operator in that market. The sale allows IPF to focus its resources on its larger home credit and rapidly-growing digital businesses where there is a strong demand for unsecured consumer lending. The transaction is expected to result in an exceptional charge to the profit and loss account of around GBP5M. So there goes another £5M. Selling the family silver at a loss or stripping the dead wood?
wad collector
20/6/2017
09:27
I'm just going to sit and wait. Years probably.
wad collector
14/6/2017
17:49
Sold my recent small holding in these for a small profit. Unfortunately, often couldn't seem to deal (sell) in any reasonable size. Waste of time.
woodhawk
01/6/2017
17:28
I view Prov as the safe steady income play too.
wad collector
01/6/2017
11:35
Wad collector Im trying to make sense of the price too. The only thing that it possibly slips up on is operating margin at just 12% compared to its parent Provident Financial at 26.9%. Otherwise it looks better on further comparisons Provident Financial in brackets....p/e 5.7 (17.9), debt to equity 0.84 (0.79), price to book 0.84 ( 5.77). Took a punt at 162 yesterday. Should be resistance at 157.5 the lowest ever close. This one isn't for the faint hearted and the volatilty could easily take out a stop loss very quickly.
stewart64
31/5/2017
11:45
FWIW Peel Hunt strengthened their rec to buy last week. If their eps estimate for next yr is anywhere near the mark at 32.8p , then this is a screaming buy. I don't know their view on the Polish situation (guessing like most brokers I suspect) . Good money after bad perhaps but may be an inspired buy , think I will have some more. Paid 160.5 , but don't want to think what I am averaging now.
wad collector
04/5/2017
09:05
Doesn't say much about Poland does it?
wad collector
27/4/2017
14:21
Q1 trading update on 3rd May.
brattray
27/4/2017
10:25
New lows but at least paid out the 7.4 dividend last week.
wad collector
11/4/2017
10:11
Any views on the IPF1 corporate bonds - 6.125% maturing 2020 - which took a huge dive on the Polish news and have come back to 91p (one of the very few high yield bonds trading below par)? How bad is the risk with IPF? Besides the specific Polish legal issue, will Brexit make it difficult to sustain the model of high risk unsecured lending in the EU?
jeffian
11/4/2017
08:22
Dividend looks likely to be cut IMO as they have mentioned it's already above their target pay-out rate of 35% of post-tax earnings. Lucky they didn't trim it this time, is how it reads to me.
nick rubens
06/4/2017
19:06
The concern is not the current yield , but whether it will be sustained with an expensive court case and uncertain outcome . I am not adding but not selling either....sitting on a paper loss atm.
wad collector
24/3/2017
15:52
8p divi, IPF goes ex divi on 13/04. Along with the interim divi of circa 5p, that's a smashing 8% yield based on today's share price perfect time to snap a bargain :).
cjones123
24/3/2017
15:51
8p divi, IPF goes ex divi on 13/04. Along with the interim divi of circa 5p, that's a smashing 8% yield based on today's share price perfect time to snap a bargain :).
cjones123
13/3/2017
16:50
I think you need to add charts and new updates if you want to supercede the other one.....just saying.
wad collector
04/3/2017
12:07
New International Personal Finance PLC (LON:IPF) Rating From Numis Indicates Stock As Potential Buy By Ashley Brown on Friday, 03 Mar 2017 12:02 PM Following an update released by analysts at Numis on Thursday the broker has now set a ‘Buy’ rating on shares of International Personal Finance PLC (LON:IPF) with a price target of 238. On Thursday Numis reiterated its target for shares of International Personal Finance PLC as ‘Buy’ recommending a target price of 238 for investors; potentially meaning there is an increase of 48.75% from International Personal Finance PLC’s share price of 160.
cjones123
01/3/2017
19:57
Here is an interesting article I found on Motley Fool: Why this value stock could double despite shares crashing 10% on results Peter Stephens | Wednesday, 1st March, 2017 Buying any stock following a double-digit fall in its share price may be seen as risky. Clearly, there has been negative news flow either regarding the stock or the industry in which it operates. However, for long-term investors it may also present an opportunity. That’s especially the case where the company in question trades on a low valuation and has upbeat forecasts over the medium term. A difficult year Falling over 10% on Wednesday was lending specialist International Personal Finance (LSE: IPF). Its shares declined by such a large amount following the release of its full-year results, which showed a fall in pre-tax profit of around 20%. This reflected lower home credit profit and higher investment in IPF Digital, which was partially offset by positive foreign exchange adjustments. Customer numbers decreased by 2% and while the amount of credit issued rose by 8% and revenue increased by 1%, the company’s overall performance was disappointing. IPF faced regulatory challenges in Europe, particularly in Poland. Performance in its Mexican home credit business was below its original expectations. Furthermore, it expects the competitive and regulatory environment to remain challenging in its major markets, which means its financial performance could come under further pressure in 2017. Upside potential Although IPF is expected to record a further fall in earnings of 3% this year, its outlook for 2018 is much more positive. Its investment in IPF Digital and its Mexican business is forecast to deliver a rise in earnings of 11%. This has the potential to create a step change in investor sentiment, with the market likely to warm to what could prove to be a successful turnaround. Despite this potential for improved performance, IPF trades on a price-to-earnings (P/E) ratio of 5.5. This is low on an absolute basis, but also when compared to its historic average P/E ratio from the last four years. During that time, the company’s rating has averaged 11.8. Assuming it is able to meet its forecasts in 2017 and 2018, a reversion to its historic average P/E ratio would see the company’s shares rise in price by around 132%. While this may sound optimistic, even factoring-in a margin of safety means IPF could prove to be a strong performer over the medium term. Outlook Of course, other lending companies offer more stable performance than IPF. For example, Provident Financial (LSE: PFG) has recorded double-digit earnings growth in four of the last five years and is expected to deliver growth in its net profit of 5% this year and 9% the year after. As such, it seems to have a lower risk profile and may prove to be a less volatile stock to own than IPF.
cjones123
01/3/2017
19:53
Today's bad results were expected anyways, so no major surprises there. 7% divi is not bad at all in my book. This is a good business at the core of it, which is still reporting profit. Definitely a buy at the current SP Also with 2M shares bought and only 1M sold today, this is bound to bounce back to at least the 175 mark over the next few days. IMO the expected bad results were already factored in the SP, as it has been holding up nicely @ around 164 mark.
cjones123
01/3/2017
09:46
Yes cheers wad, Not sure I want to catch a falling knife at the moment, so will await developments on the corporate front. Hard to believe the shares were once trading around 500p. Will need some strong earnings growth to see that again. Final dividend will be paid, but I reckon it will be cut later if earnings don't recover. "The full year dividend of 12.4 pence per share represents a total payment equivalent to approximately 41% of post-tax earnings for the full year 2016 which is above our target pay-out rate of 35%."
nick rubens
01/3/2017
09:32
Allaince news reckons it is the weaker home credit . ( Poland Lithuania isn't really new news I suspect)
wad collector
01/3/2017
09:15
from the accounts "Poland-Lithuania delivered profit before tax of £56.2M in 2016 reflecting a £20.8M decrease in underlying profit offset partially by a positive FX movement of £8.0M." "As noted in the regulatory update of this announcement, the Ministry of Justice in Poland published a draft bill in December 2016 proposing a further tightening to existing non-interest cost of credit legislation introduced in March 2016. We await an update on this matter and will inform the market in due course as to how our Polish business is likely to be affected by any changes that may be enacted." May explain today's share price fall. Anyone see it different? cheers NR
nick rubens
01/3/2017
08:28
http://uk.advfn.com/stock-market/london/international-personal-finance-IPF/share-news/International-Personal-Finance-Plc-Final-Results/73978979
wad collector
15/2/2017
14:05
It's a long way back up but making progress in the last 6 weeks .The worst behind the sp? I am 20% up on my most recent buy but way off my buying average. I will wait.
wad collector
09/2/2017
11:36
Poland is going to sit as a dampener on the share price here until more clarity ; hard to know how much is factored into the price now . The brokers views are pretty slow to update , I suspect they are scared on sticking their nose out. Numis target 236p and JPM reduced theirs to 180p but I suspect they have little hard data to make these guesses.
wad collector
13/1/2017
16:56
Have taken a small profit within a few days. The leaving of the FD may have something to do with Financial mess the company was in in Poland, going back to 2008. It is good to see today's rise , so I could take some profit. This is no doubt a very high risk play due to possible back taxes. If it became true, then share will tank significantly. do not know the reason for today's rise, has somebody tipped the share?
carer
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