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| 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
|
|
|---|---|---|---|---|---|
| 0.20 | 0.13% | 158.80 | 78,876 | 11:40:19 |
| Bid Price | Offer Price | High Price | Low Price | Open Price | |
|---|---|---|---|---|---|
| 158.80 | 160.00 | 158.80 | 157.80 | 157.80 | |
| Industry Sector | Turnover | Profit | EPS - Basic | PE Ratio | Market Cap |
|---|---|---|---|---|---|
| Personal Credit Institutions | 655.9M | 60.9M | 0.2788 | 5.69 | 346.4M |
| Last Trade Time | Trade Type | Trade Size | Trade Price | Currency |
|---|---|---|---|---|
| 11:40:19 | AT | 46 | 158.80 | GBX |
| Date | Time | Source | Headline |
|---|---|---|---|
| 02/6/2025 | 15:35 | UK RNS | International Personal Finance Plc Total Voting Rights |
| 30/5/2025 | 13:25 | ALNC |  DIRECTOR DEALINGS: Rolls-Royce, FBD and AJ Bell execs sell shares |
| 29/5/2025 | 17:19 | UK RNS | International Personal Finance Plc Director/PDMR Shareholding |
| 15/5/2025 | 10:29 | UK RNS | International Personal Finance Plc Director/PDMR Shareholding |
| 02/5/2025 | 18:04 | UK RNS | International Personal Finance Plc TR-1: Notification of Major Holdings |
| 02/5/2025 | 16:30 | UK RNS | International Personal Finance Plc Holding(s) in Company |
| 01/5/2025 | 22:58 | ALNC | TRADING UPDATES: Totally reduces guidance and plans strategic review |
| 01/5/2025 | 12:51 | UK RNS | International Personal Finance Plc Result of AGM |
| 01/5/2025 | 07:00 | UK RNS | International Personal Finance Plc Directorate Change |
| 01/5/2025 | 07:00 | UK RNS | International Personal Finance Plc Q1 2025 Trading Update |
International Personal F... (IPF) Share Charts1 Year International Personal F... Chart |
|
1 Month International Personal F... Chart |
Intraday International Personal F... Chart |
| Date | Time | Title | Posts |
|---|---|---|---|
| 13/6/2025 | 22:41 | International Personal Finance plc | 2,616 |
| 24/3/2017 | 15:51 | IPF | 4 |
| Trade Time | Trade Price | Trade Size | Trade Value | Trade Type |
|---|---|---|---|---|
| 10:40:19 | 158.80 | 46 | 73.05 | AT |
| 10:35:31 | 159.40 | 15,000 | 23,910.00 | O |
| 10:34:00 | 158.67 | 1,251 | 1,984.99 | O |
| 10:33:54 | 158.67 | 5,000 | 7,933.60 | O |
| 10:16:38 | 159.40 | 28 | 44.63 | O |
| Top Posts |
|---|
Posted at 03/6/2025 13:49 by aishah Yes, now a solid hold for me. Collecting excellent dividends as well as some price appreciation |
Posted at 23/5/2025 08:28 by wad collector My IPF holdings are a legacy from the original Provvy divestment holdings , and the company bears little resemblance to the high yielding doorstep lender of 30 yrs ago. This bit has performed much better than the Vanquis part which is currently 95% down on my original buying price compared to 40% down here.A 6 yr high looks on the cards before too long , though it remains vulnerable to attack by foreign regulators which have intermittently harmed its share price If a foreign government sees political capital in punishing a rich Western lender, little IPF can do about it. However that is a half empty view and the potential abroad is clearly higher in less mature markets. |
Posted at 23/5/2025 06:42 by rcturner2 I've sold my IPF at 157p, I have had a good run from 100p. GL to all who remain. |
Posted at 15/5/2025 10:02 by sigmund freud deffo golden crossalmost level with the march high. and beyond that the august high is not far away. similar business vanq has gone nicely through its resistance level. both of these companies look like short term gainers to me. i hold both. ipf seems to be in a stronger position, vanq has more recovery potential. no shorts disclosed on ipf one 3-4% short on vanq happy investing all |
Posted at 12/5/2025 08:14 by cwa1 Anyone got IPF with ii.co.uk? If so, has your dividend landed this morning? Mine not in and ii are usually in before the market opens.Not concerned, just surprised and would be reassuring to hear others' dividends are not in too! This specifically refers to ii.co.uk and NOT other brokers, who usually post them later in the day |
Posted at 02/5/2025 09:52 by freddybruce A lot of reasons to be very bullish on this stock :1) Low valuation: 6x p/e & 8% dividend yield, based on LY earnings plus you can add 5% to the divi yield for the share buy back; also market cap is 50% below shareholders equity 2) CFO has been very consistent in emphasising key metrics on revenue yield, cost income ratio and impairment to be achieved by 2027. If achieved they would deliver c.£100m post tax profit. £100m would also be in line with the stated goal of c.20% ROE 3) Critical to achieving £100m is to grow receivables. And this can be achieved from the growth opportunities in IPF Digital (Mexico and Australia), in credit cards in Poland and Romania (and then other markets) and in Mexico home credit. 4) Higher A/R will drive the cost income ratio down to 49-51% target from 61%. Quite achievable given that’s close to what it was in 2019, the large headroom they have for growth and still be within 40% equity to receivable. 5) Management claims that higher A/R will also drive up the revenue yield given the mix of growth (presumably less cards and more Mexico and IPF Digital). Currently 54%, target 56%-58% 6) Mixture of 4) & 5) will increase impairment from 9% currently to 14-16% range, which gives management plenty of headroom. 7) Q1 trading update emphasised the growth opportunities with March and also April they said were very strong. Also the reduction in impairment 9.5% to 9% was welcomed. A little disappointed to not see revenue yield starting to increase and C:I to decrease from 2024 levels. But only 1 quarter of numbers and CFO very clear he expected these metrics to improve during year. 8) The £15m share buyback will start at some point (to complete by q3) and with the limited liquidity in the stock is bound to push up the share price (as it appears to have done last year). 9) Two risks are a) regulatory risk although with rate caps in now all their markets except Czech hopefully speed bumps due to regulation are in the past. And b) exchange rates. IPF borrows in £ and €, has some costs in £ but lends in various currencies which have depreciated quite a lot in past years vs £ and €. Overall a big supporter. Price target £3+ and divi 20p. |
Posted at 01/5/2025 19:31 by rcturner2 I have long acknowledged the risks here - consumer lending in foreign markets at reasonably high (but competitive) rates is always going to carry uncertainties. But the company is highly profitable and undoubtedly cheap in P/E multiple terms.It’s up to us to decide if we are comfortable with IPF’s balance sheet and use of leverage - personally, I am satisfied and in fact I would be really keen to see a little more emphasis on buybacks. A £15m buyback is due to begin shortly, and I’d love to see another one after that. I’d love to see IPF materially reduce its share count at this valuation: a PER of less than 6x and at a significant discount to tangible book value (c. £400m). I think this would be a terrific use of cash, that would permanently benefit long-term shareholders, with an impact that would exceed the impact of using cash for dividends - IPF is currently expected to pay out over £25m in dividends this year. As I always say with financial stocks, it’s key to diversify as accidents do happen. That being said, this is definitely one of my favourite financials in the market right now, regardless of whether or not they increase their buyback activity further. See my coverage in the archives including my interview with the CEO and CFO last year. I view this as a responsible lender with a good management team, diversified geographic exposure, a track record of managing regulatory change, and some interesting growth opportunities. |
Posted at 26/2/2025 18:48 by quepassa RCT,No confusion here. Keep on taking the dementia meds, dear boy. It appears that the confusion is with you. You say that "I have no idea who "Anglo-Pacific/Ecora Your memory is clearly failing you:- As you will see from above link, you posted literally hundreds of times on Anglo-Pacific (now renamed Ecora). You are clearly a sad, lonely, pugnacious, mendacious and now forgetful individual. Did you know that you have now chalked up and posted 17,000 (yes seventeen thousand) times since you joined ADVFN in 2001. Shall we all go back to how I started the day by talking about IPF's most impressive results released this morning. And I suggest again that we stick to that topic Copy herewith for ease of reference:- Stunning results this morning. AHEAD OF GUIDANCE INCREASE IN FINAL DIVI BY 11% to 8p ( that means 11.4p for full year) Share now yielding an ASTONISHING 9% at 127p. Impairment rate down massively to 9.6% down from 12.2% The funding position of IPF looks very strong and with much headroom. WELL DONE, IPF. ALL IMO. DYOR. QP |
Posted at 26/2/2025 14:56 by quepassa i see that you are as obtuse and thick as ever, RCT. nothing changes.let's not mention all your past failures, fallacies and stupidities about your all-time favourite share, Anglo-Pacific/Ecora which you called wrong time and time again. Have you seen seen that share price lately? Well of course IPF is international and de facto Trump is relevant. Who said otherwise? But don't tell our resident home-spun psycho-babble expert that Trump is relevant to world trade - sigmund thinks it's better having nothing to do with the USA and that's why he's invested here because he thinks IPF is purely a UK investment opportunity devoid of outside influence. RCT - I see that you are back to your old self and old pugnacious ways looking for a fight. I suggest that you have a fight with the angry ugly little man in the mirror. I also suggest you rapidly increase yet again your already high dosages of Valium and Xanax, old bean. take care and toodle-pip. QP |
Posted at 20/2/2025 13:19 by sigmund freud yesterday there was a big dip in the share price out of the blue. am always wary of this shortly before results. someone likely knows something that i don't. market lifted the share price partly up by the close. another dip this morning at 9.30, again market has responded and currently up 2% on the day. volume chart shows quite a lot of green (which i think is undisclosed) over the last 1-2 years, and those greens seem to correlate with share price dips. i can't see ipf listed on any short tables, so not sure exactly what the cause of the suspected selling is.suspect there will be some marked share price volatility ahead around the results nest week. but as long as nothing unexpected, i remain a holder. banks have been doing well and certainly in uk bad loans are not soaring yet, so suspect no major problems yet in the poor credit bit that ipf has an interest in outside the uk yield 8.3%, p/e 5.2, last year's cover 2.25. looks good value unless something in the closet |
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