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

International Personal F... (IPF) Latest News

More International Personal F... News
International Personal F... Takeover Rumours

International Personal F... (IPF) Share Charts

1 Year International Personal F... Chart

1 Year International Personal F... Chart

1 Month International Personal F... Chart

1 Month International Personal F... Chart

Intraday International Personal F... Chart

Intraday International Personal F... Chart

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

International Personal F... Forums and Chat

Date Time Title Posts
27/9/201920:17International Personal Finance plc565

Add a New Thread

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

Trade Time Trade Price Trade Size Trade Value Trade Type
View all International Personal F... trades in real-time

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

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.
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...
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.
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.
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.
wad collector:
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............)
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.
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.
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.
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.
International Personal F... share price data is direct from the London Stock Exchange
Your Recent History
Register now to watch these stocks streaming on the ADVFN Monitor.

Monitor lets you view up to 110 of your favourite stocks at once and is completely free to use.

By accessing the services available at ADVFN you are agreeing to be bound by ADVFN's Terms & Conditions

P: V: D:20191017 13:48:58