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
	+0.00p	+0.00%	162.80p	0	08:03:01

Bid Price		Offer Price	High Price	Low Price	Open Price
160.60p		167.00p	-	-	-

Industry Sector	Turnover (m)	Profit (m)	EPS - Basic	PE Ratio	Market Cap (m)
General Financial	866.40	75.40	33.80	4.8	364.1

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International Personal F... (IPF) Latest News

International Personal F... News

Date	Time	Source	Headline
16/5/2019	18:14	ALNC	International Public Finance Launches New 7.75% Notes Due 2023 (ALLISS)
16/5/2019	16:50	UKREG	International Personal Finance Plc 7.75 per cent. Sterling notes due 2023
16/5/2019	16:41	UKREG	International Personal Finance Plc 6.125 per cent. Notes due 2020 Exchange..
08/5/2019	12:51	ALNC	DIRECTOR DEALINGS: International Personal Finance Non-Execs Buy Shares
07/5/2019	16:00	UKREG	International Personal Finance Plc Roadshow Announcement
02/5/2019	13:40	UKREG	International Personal Finance Plc Result of AGM
02/5/2019	11:03	ALNC	International Personal Finance Makes Solid Start To 2019
02/5/2019	07:00	UKREG	International Personal Finance Plc Q1 2019 Trading Update
24/4/2019	18:28	ALNC	Moody's Gives International Personal Finance First-Time Ba3 Rating
24/4/2019	18:12	UKREG	International Personal Finance Plc New credit rating from Moody's Investors..

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

International Personal F... Forums and Chat

Date	Time	Title	Posts
10/5/2019	18:43	International Personal Finance plc	540
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
06:17:19	164.70	1,694	2,789.98	O
06:17:19	162.80	60	97.68	O

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

Date	Subject
20/5/2019 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 162.80p. International Personal Finance Plc has a 4 week average price of 160.60p and a 12 week average price of 160.60p. The 1 year high share price is 254.60p while the 1 year low share price is currently 160.60p. There are currently 223,656,416 shares in issue and the average daily traded volume is 166,107 shares. The market capitalisation of International Personal Finance Plc is £364,112,645.25. Read Full Thread 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
26/10/2007 09:01	jg1882: Can't believe no one is around here....price targets range from 260 to north of £4....the share price has rebounded strongly post incumbent shareholders selling out and you have a business not susceptible to current credit market fears given its avg loan cost of well under 7% vs APR's north of 100%...one to trouser for the long term imho. Got in at 186 so laughing right now. Read Full Thread Follow Reply

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