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IPF International Personal Finance Plc

1.00 (0.88%)
04 Dec 2023 - Closed
Delayed by 15 minutes
Share Name Share Symbol Market Type Share ISIN Share Description
International Personal Finance Plc LSE:IPF London Ordinary Share GB00B1YKG049 ORD 10P
  Price Change % Change Share Price Shares Traded Last Trade
  1.00 0.88% 115.00 251,787 16:25:56
Bid Price Offer Price High Price Low Price Open Price
115.00 117.00 117.00 110.50 110.50
Industry Sector Turnover Profit EPS - Basic PE Ratio Market Cap
Personal Credit Institutions 577.5M 56.8M 0.2550 4.51 256.16M
Last Trade Time Trade Type Trade Size Trade Price Currency
17:45:26 O 1,918 114.989 GBX

International Personal F... (IPF) Latest News

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Date Time Title Posts
01/12/202310:23International Personal Finance plc2,377

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International Personal F... (IPF) Most Recent Trades

Trade Time Trade Price Trade Size Trade Value Trade Type

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Posted at 04/12/2023 08:20 by International Personal F... Daily Update
International Personal Finance Plc is listed in the Personal Credit Institutions sector of the London Stock Exchange with ticker IPF. The last closing price for International Personal F... was 114p.
International Personal F... currently has 222,749,163 shares in issue. The market capitalisation of International Personal F... is £256,161,537.
International Personal F... has a price to earnings ratio (PE ratio) of 4.51.
This morning IPF shares opened at 110.50p
Posted at 25/8/2023 17:38 by popit

Thanks for the figures

So if you think IPF is good value, what do you think of Vanquis?

It is about the same market cap as IPF now but it has twice the receivables at about £2 billion and it looks even better value than IPF

On Market Screener

The forecast PE for Vanquis is 2.5 in 2025 and 17% dividend
And forecast PE for IPF is 4 in 2025 and 10% dividend

Vanquis is mid cost credit and near prime now and so all the sub prime has gone and all the claims companies have gone

I think Vanquis and IPF are both good value, but I think Vanquis is better value at the present time

Have you looked at the figures for Vanquis?

Do you have your own estimates for Vanquis?
Posted at 19/8/2023 20:58 by popit

Where are you getting your forecast figures from?

You said that this implies eps in 2025 of 36p-48p and dividend of 16p-22p and a dividend yield of between 13% and 18%

Have you just made the figures up?

These figures are completely out of line with the forecast figures for IPF on Market Screener


It shows forecast eps of 18p in 2023, 21p in 2024, 28p in 2025
And forecast dividend of 10p, 11p, and 12p in 2025

The forecast eps for Vanquis is 42p in 2025
And the forecast dividend for Vanquis is 18p in 2025


So with the Vanquis share price now lower than IPF, Vanquis seems to offer a far better investment with a forecast PE of 2.5 in 2025, and a forecast dividend of nearly 17% in 2025

The forecast PE for IPF is over 4 in 2025, and a forecast dividend of 10% in 2025

So they both look like that they may be good investments, but Vanquis looks much better value than IPF now
Posted at 04/8/2023 08:58 by wad collector
It is difficult to compare the company from a decade ago in a different economic environment and very different interest rates.
It would be great if the share price repeated its 2013 performance and hit £6 but somehow I doubt it!
Sadly my average buy price is about 250p from holding Provident Financial for the last 25 years or so. It is hard to follow the exact prices with the company split and various renamings. Like many PIs, I failed to cut my losses and kept holding when the price fell. IPF is certainly performing better than it's previous sister Vanquis. Yep I hold them too and they are worth 6% of what I bought them for!
Posted at 09/5/2023 15:24 by 1cutandrun
International Personal Finance plc ("IPF" or the "Group") is pleased to announce that it will host a webinar for investors and analysts featuring the Group's IPF Digital business on Wednesday 10 May at 14:00 BST (0900hrs ET / 1600hrs EET).

The briefing will be broadcast live from Tallinn in Estonia and hosted by CEO, Gerard Ryan and IPF Digital's General Manager, Povilas Girčys. Investors and analysts will have the opportunity to learn more about this profitable and highly scalable business which is meeting the needs of a growing number of underserved consumers who want affordable credit online and seamless interactions with their digital financial provider. The presentation will cover details of the customers served, key market trends, credit decisioning technology and how IPF Digital is successfully executing its growth strategy to realise future growth and returns.

No new financial information will be disclosed. The briefing, including a live Q&A, will last around 60 minutes and is open to investors and analysts. To register for the webinar, please contact

A recording of the event and presentation materials will be available on the Group's website shortly after the event at
Posted at 19/4/2023 16:01 by 1cutandrun
There you have it in a nutshell. They carried out a UT at 8am this morning to set the share price. The share price was set at 98.20p. That's 4.20p higher than last nights close. This being the third time a UT has been carried out at 8am to set the share price and on each occasion the share price has gone up. Is it a coincidence a UT was done this morning after I pointed out an anomaly yesterday, no as it has happened three times now. IMO the market makers are sometimes setting the spread prices out of line with the actual share price.
Posted at 18/4/2023 20:40 by 1cutandrun
There is something just not right with this companies share price. Nothing seems to add up and when that happens, it points to other things going on. Just have a look at todays trades. LSE web page states the highest price of the shares today was 94.20p and the first six trades of the day were higher than this figure. At 12.21 as per the trade index, the share price was 99.80p The next trade was at 15.08 when the shares dropped to 94.20p. That's a 5.60p drop on one trade. How is it possible that the shares never reach 99.80p, when it clearly shows trades taking place at this price.
Posted at 20/1/2023 19:02 by 1cutandrun
The last trade price of the day is not the closing price of the shares. After 4.30 they balance the books and the code is UT. That is the closing price for the shares on the day. UT: Uncrossing Trade - This is used for the single uncrossing trade detailing the total executed volume and uncrossing price as a result of a SETS auction. VW: Volume Weighted Average Price - A transaction that was effected at a price based on a volume weighted average price over a given period.
The market makers determine the spread price at which you can buy and sell. Yesterday is a prime example of how the share price was out of line as they had to increase them at the close of trading by over 3.5p a share by UT. Today the UT adjustment was 00.10p. This is the point I'm trying to make. If the market makers keep putting the spread price less than the share price it drives the share price down even though buys could out weigh sells by two to one. This keep happening with these shares.
Today there was no chance the shares could go up as the spread was less than the share price on the first 4 trades of the day and these happen to be buys and on each occasion the price went down.
Between 16:10:49 to 16:11:49 today, ten trades took place, eight buys and two sells, each one for 147 shares.
Posted at 20/1/2023 08:58 by 1cutandrun
There we go, the first trade of the day at 8.26am a purchase of a single share bringing the share price down to 82.7p. It will happen again on the next transaction as the spread price is again less than the share price. Therefore, the share price at this time is being forced down once again.
Last night at the end of trading at 4.30pm, they had to increase the share price up by over 3.5p to balance the books. That's a large increase on shares of this price, with only over 30 trades on the day. Something isn't right here.
Posted at 20/1/2023 08:25 by 1cutandrun
Share price at 8.20am. 83p, buy 82.9p and sell 77.1p. Once again the spread price is less than the share price. This means the next transaction that happens, the share price will go down.
Posted at 16/12/2022 23:21 by 1cutandrun
Something really weird happening with these shares. I mentioned before about the spread prices and this hasn't changed. How can it be, buying forces the share price down? and that's exactly what happened today. Many times the spread price was less than the share price, regardless if a buy or sell happened the share price was forced down.
International Personal F... share price data is direct from the London Stock Exchange

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