International Personal F... Share Price (IPF)

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	0.92%	110.00	93,176	13:06:24

Bid Price		Offer Price	High Price	Low Price	Open Price
108.20		109.20	110.00	110.00	110.00

Industry Sector	Turnover (m)	Profit (m)	EPS - Basic	PE Ratio	Market Cap (m)
General Financial	866.40	75.40	33.80	3.3	246

Last Trade Time	Trade Type	Trade Size	Trade Price	Currency
12:38:04	O	196	108.19	GBX

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International Personal F... (IPF) Latest News

International Personal F... News

Date	Time	Source	Headline
03/10/2019	09:49	ALNCF	Alliance News Flash Headline
03/10/2019	09:47	UKREG	International Personal Finance Plc Holding(s) in Company
26/9/2019	10:11	UKREG	International Personal Finance Plc Director/PDMR Shareholding
04/9/2019	18:20	ALNC	DIRECTOR DEALINGS: International Personal Finance CEO Ryan Buys Shares
04/9/2019	12:58	UKREG	International Personal Finance Plc Director/PDMR Shareholding
02/9/2019	14:43	UKREG	International Personal Finance Plc Director/PDMR Shareholding
27/8/2019	10:58	UKREG	International Personal Finance Plc Holding(s) in Company
22/8/2019	13:51	UKREG	International Personal Finance Plc Holding(s) in Company
01/8/2019	18:19	ALNC	DIRECTOR DEALINGS: International Personal Finance Chief Buys Shares
01/8/2019	10:39	UKREG	International Personal Finance Plc Director/PDMR Shareholding

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

International Personal F... Forums and Chat

Date	Time	Title	Posts
27/9/2019	20:17	International Personal Finance plc	565
24/3/2017	15:51	IPF	4

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

Trade Time	Trade Price	Trade Size	Trade Value	Trade Type
11:38:06	108.19	196	212.05	O
11:02:24	110.00	280	308.00	UT
09:56:36	108.36	2,750	2,979.90	O
08:30:01	109.54	5,000	5,477.00	O
08:29:44	109.57	5,000	5,478.50	O

View all International Personal F... trades in real-time

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

Date	Subject
17/10/2019 09:20	International Personal F... Daily Update: International Personal Finance Plc is listed in the General Financial sector of the London Stock Exchange with ticker IPF. The last closing price for International Personal F... was 109p. International Personal Finance Plc has a 4 week average price of 98.80p and a 12 week average price of 86.80p. The 1 year high share price is 227.20p while the 1 year low share price is currently 86.80p. There are currently 223,656,416 shares in issue and the average daily traded volume is 134,083 shares. The market capitalisation of International Personal Finance Plc is £246,022,057.60. Read Full Thread Reply
22/7/2019 09:22	mtsblogs: After careful consideration, I've decided NOT to invest in IPF (currently it is at 116p). The regulator in Poland has hit IPF with £38M bill for two years of operations, but the total bill for all years is £166M, yet this is very briefly mentioned in reports. If polish decision stands on appeal, the regulator would consider all years and full amount would be due. Furthermore, UK State Aid decision by EU is likely to cost IPF another £15M and Sterling headwinds (or actual Brexit) probably would add another £60M in losses. This brings the total figure for the worst-case scenario to -£240M. I estimate about 2/3 of this is priced-in, thus I expect the share price to dip to around 77-80p if risks don't improve. It seems that despite excellent management, the company is preparing for this with highest coupon for years on its latest bonds... Read Full Thread Follow Reply
26/7/2017 07:38	grahamg8: Incredibly detailed half year update. Nothing unexpected but Poland outlook is still uncertain. Anything better than wipe out should see the share price rise sharply. Read Full Thread Follow Reply
04/3/2017 12:07	cjones123: 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. Read Full Thread Follow Reply
01/3/2017 19:57	cjones123: 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. Read Full Thread Follow Reply
01/3/2017 08:28	wad collector: http://uk.advfn.com/stock-market/london/international-personal-finance-IPF/share-news/International-Personal-Finance-Plc-Final-Results/73978979 Read Full Thread Follow Reply
14/12/2015 11:03	jeffian: I'm always a bit jaundiced about Directors' share purchases to shore up a crumbling share price, but if you're going to do it, it helps if it is a meaningful amount. £300k seems more than a token gesture! (Mind you, I was suckered into following Lord Simpson into Marconi............) Read Full Thread Follow Reply
24/3/2015 12:38	robinnicolson: Here is the Berenberg note: International Personal Finance’s (IPF) shares have struggled over the last year, underperforming the SXFP (Stoxx Financial Services index) and the FTSE 250 by c45% and c18% respectively. While FX and regulatory fears are weighing on the shares, IPF is exposed to significant long-term growth opportunities. We see recent share price weakness as a buying opportunity as we expect the near-term headwinds (FX and investment costs) to begin to fade in 2016 and beyond. We upgrade our recommendation to Buy with a new price target of £6.00 (c28% upside). Potential to double PBT: IPF is present in nine countries and the recent acquisition of MCB Finance brings a digital presence in four new markets. We believe there is scope for IPF to more than double PBT in its existing footprint, and the digital opportunity could be very large. We believe the market is focusing more on the near-term concerns, and not enough on the longer-term opportunities that IPF could benefit from. New markets drive growth: Mexico and Spain could add c£115m to IPF’s PBT over the long term, almost doubling group PBT. While it is early days for Spain, Mexico is one of IPF’s best-performing markets and is growing fast (2014-17E PBT CAGR of 34%). There is a lot more for IPF to go for as it expands coverage and increases penetration across Mexico. We believe management’s c£100m PBT target is looking increasingly achievable. Transformation for growth: IPF is re-positioning itself from a single product (home credit), single-channel business into a more diverse consumer finance business. It has embarked on a change programme, “Transformation for Growth” (T4G), which will reposition it with a more sustainable business model and provide incremental growth opportunities. T4G will deliver more than £20m in additional PBT from 2018 onwards via top-line growth, better credit quality and operating efficiencies. Going digital: IPF is developing a digital product (hapi loans) to run alongside its traditional home credit product. The acquisition of MCB Finance is a good deal, in our view. The price paid was cheap (3.5x EBITDA), it provides access to four new markets, and it brings technology and c10 years of experience in digital lending. We estimate that digital lending could be a c£40m PBT business if IPF achieves a similar customer penetration rate to MCB Finance across its much larger European markets. The opportunity would be significantly larger if digital is successfully rolled out into new markets. Growth priced at value: While FX could still deteriorate further, we believe the impact has largely been reflected in consensus now. We have reduced our estimates by 8-9% in 2015/16, mainly due to FX. Management believes it will receive regulatory approval for its restructured Polish product, which should allay regulatory concerns. On 10.5x 2016E for 11% EPS CAGR, we believe IPF is trading on a low multiple on earnings, which now reflect the large drag of FX and investment costs. We see current share price weakness as a buying opportunity for long-term investors. Read Full Thread Follow Reply
09/10/2014 17:48	robinnicolson: Yes, I agree that it looks good value...I've been gradually adding to my holding. The share price has now retraced to the level when Gerard Ryan bought 100,000 shares on 27 December 2013. Read Full Thread Follow Reply
27/12/2013 16:13	mortimer7: RNS at 2.47pm : Director purchase (Gerard Ryan) of 100000 shares @ 451.5p today. That's £451500. Very reassuring I believe & leaves little doubt of his interpretation of the over reaction & share price fall. Read Full Thread Follow Reply
27/12/2013 09:47	konkel: The bonds are trading around 98.5 so not disastrous....the share price is telling us there's clearly more to this announcement than meets the eye and someone has the inside track.....guess we'll find out in due course. Read Full Thread Follow Reply

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