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IPF International Personal Finance Plc

129.00
-1.00 (-0.77%)
13 Dec 2024 - 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 -0.77% 129.00 131,309 16:35:26
Bid Price Offer Price High Price Low Price Open Price
128.00 129.00 129.00 127.00 127.50
Industry Sector Turnover Profit EPS - Basic PE Ratio Market Cap
Personal Credit Institutions 690.8M 48M 0.2191 5.86 284.75M
Last Trade Time Trade Type Trade Size Trade Price Currency
16:35:26 UT 9,632 129.00 GBX

International Personal F... (IPF) Latest News (1)

International Personal F... (IPF) Discussions and Chat

International Personal F... Forums and Chat

Date Time Title Posts
13/12/202418:42International Personal Finance plc2,491
24/3/201715:51IPF4

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

Trade Time Trade Price Trade Size Trade Value Trade Type
2024-12-13 16:35:26129.009,63212,425.28UT
2024-12-13 16:28:07128.501721.85AT
2024-12-13 16:28:05128.5081104.09AT
2024-12-13 16:28:05128.506178.39AT
2024-12-13 16:27:50129.002734.83O

International Personal F... (IPF) Top Chat Posts

Top Posts
Posted at 13/12/2024 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 130p.
International Personal F... currently has 219,037,668 shares in issue. The market capitalisation of International Personal F... is £281,463,403.
International Personal F... has a price to earnings ratio (PE ratio) of 5.86.
This morning IPF shares opened at 127.50p
Posted at 12/12/2024 17:02 by grahamg8
Rotated out of IPF3 into IPF. Rate of return almost the same but scope for a rerating with IPF.
Posted at 28/10/2024 08:44 by peddlers
Hi all,

Bought some IPF.
Solid fundamentals.
Now sitting in oversold territory so looking forward to the price catching up.

Good luck.

P.
Posted at 25/10/2024 07:05 by ingham87
To echo most, this is a brilliant business, with great management. It's incredibly well run. The thing to watch out for is any issue or negativity with the Polish side of the business. The share price is incredibly sensitive to this.
Posted at 27/9/2024 16:08 by wad collector
Interim divi just arrived , I had forgotten what a good yield this now pays. 6.7% at today's price. If the business model is now solid , this may be undervalued still.
Posted at 22/8/2024 09:06 by verymaryhinge
IPF use the name Provident outside of the UK (since they split from Provvies)
Posted at 21/8/2024 09:55 by wad collector
I was thinking the vulnerability is more at a higher level; who licences IPF , who regulates them, who agrees the interest rate limits?
Obviously better to have an IPF loan than “gota a gota”.
Posted at 20/8/2024 09:13 by wad collector
Does look a strong chart. Guess I worry about the level of corruption in Mexico for a foreign company trying to do financial business there , having seen IPF/Prov shafted by various Eastern European financial regulators in the past but I am ignorant of Mexican financial regulation.
I suppose it is the nature of IPF that , apart from Australia , it is doing business in countries that have bigger corruption problems than Western Europe so is inherently risky.
Posted at 31/7/2024 07:27 by ttny2004
Excellent results today. Just goes to show what a well managed business can achieveSTRONG OPERATIONAL AND FINANCIAL PERFORMANCEKey highlightsStrong first-half financial performance enabling increased returns to shareholders· Pre-exceptional profit before tax of £47.3m1 (H1-23: £37.8m), up 25% on H1-23 and ahead of our 2024 internal plans.· Interim dividend of 3.4p (H1-23: 3.1p), an increase of 9.7%, in line with our policy of paying 33% of the prior year full dividend per share at the interim.· Excess capital to be returned to shareholders in the form of a share buyback programme of up to £15m. Strong demand for credit and an excellent operational performance builds growth momentum· Good demand for our broad range of financial products resulted in customer lending, excluding Poland, growing 7%2 year-on-year, with improving momentum in the second quarter.· Receivables, excluding Poland, showed strong year-on-year growth of 12%2, with all divisions performing well.· Customer lending and receivables in Poland reduced by 7%2 and 28%2 respectively, in line with our plans and total Poland receivables of £187m are now stabilising.· Exceptional customer repayment performance and excellent credit quality, delivering an impairment rate of 10.5% (H1-23: 11.4%). Major refinancing strengthens funding position to support future growth· Successfully refinanced our €341m Eurobond in June, extending the debt maturity profile to 2029, as well as leading to a rating upgrade from Fitch Ratings to BB.· Significant headroom on undrawn funding facilities and non-operational cash balances of £179m to fund the Group's plans through to the end of 2025.· Equity to receivables ratio of 56% (H1-23: 52%) underpins the Group's growth plans, progressive dividend policy and the share buyback programme. Excellent progress against our Next Gen strategy to take advantage of substantial long-term growth opportunities· Over 180,000 credit cards now issued in Poland, with the product demonstrating valuable utility for customers.· Continued growth in our geographic footprint in Mexico with a new branch opening in Mexicali.· Retail partnership credit now available in 450 stores in Romania.· Mobile wallet customers in IPF Digital increased by over 50% to 85,000 in the first half.Outlook· Confidence in delivering an acceleration in growth through the remainder of the year.· Expect full year pre-exceptional profit before tax of between £78m and £82m for 2024, ahead of current market expectations3.
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 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.
International Personal F... share price data is direct from the London Stock Exchange

International Personal F... Frequently Asked Questions (FAQ)

What is the current International Personal F... share price?
The current share price of International Personal F... is 129p.
How many International Personal F... shares are in issue?
International Personal F... has 219,037,668 shares in issue.
What is the market cap of International Personal F...?
The market capitalisation of International Personal F... is GBP 284.75 M.
What is the 1 year trading range for International Personal F... share price?
International Personal F... has traded in the range of 100.00p to 165.00p during the past year.
What is the PE ratio of International Personal F...?
The price to earnings ratio of International Personal F... is 5.86.
What is the cash to sales ratio of International Personal F...?
The cash to sales ratio of International Personal F... is 0.41.
What is the reporting currency for International Personal F...?
International Personal F... reports financial results in GBP.
What is the latest annual turnover for International Personal F...?
The latest annual turnover of International Personal F... is GBP 690.8M.
What is the latest annual profit for International Personal F...?
The latest annual profit of International Personal F... is GBP 48M.
What is the registered address of International Personal F...?
The registered address for International Personal F... is NUMBER THREE, LEEDS CITY OFFICE PARK, MEADOW LANE, WEST YORKSHIRE, LS11 5BD.
What is the International Personal F... website address?
The website address for International Personal F... is www.ipfin.co.uk.
Which industry sector does International Personal F... operate in?
International Personal F... operates in the PERSONAL CREDIT INSTITUTIONS sector.

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