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
  0.00 0.0% 140.00 0.00 01:00:00
Bid Price Offer Price High Price Low Price Open Price
139.20 144.80
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
General Financial 661.30 -40.70 -28.90 313
Last Trade Time Trade Type Trade Size Trade Price Currency
- O 0 140.00 GBX

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Date Time Title Posts
15/6/202110:57International Personal Finance plc2,076

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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 140p.
International Personal Finance Plc has a 4 week average price of 124.80p and a 12 week average price of 103.40p.
The 1 year high share price is 147.40p while the 1 year low share price is currently 44.05p.
There are currently 223,656,416 shares in issue and the average daily traded volume is 210,340 shares. The market capitalisation of International Personal Finance Plc is £313,118,982.40.
mikalan: Debt to equity for financial services is more likely to be high. They borrow money to loan money, that's the business. As to hitting stones in the road. They have done so consistently over time. share price went from 180 to sub 40 with Covid. share price has also tanked with regulatory announcements across its markets, but it has ridden those storms and is, IMO, now heading back to where it came and beyond. Is it a 'safe' share with no risk. No, but I take confidence that they managed to refinance their bonds. The bond owners charged a premium at 9.75% but 9.75% of nothing is nothing so they must think they'll do well and they know a lot more than I do.
smithie6: IPF cap. value 223 mil Enterprise Value. 624 million !!! when looking at the share price ppl need to also take a look at that towering EV of 624 million !! (makes the shares look less attractive imo. experienced directors & has international presence but the EV & the debt are mountainous !! and are phps being overlooked by share buyers
smithie6: analysis of MCL vs IPF debt vs money lent out + cash held 1) MCl. previous post on MCL thread 86% of MCL's cash lent out was/is its own cash, not borrowed from a bank 2) IPF lent out =533 million cash 116 debts -492 tax debt. -26 payables-receivable. -80 debts + tax debt + pay/receive = 492 + 26 + 80 = 598 million minus cash of 116 = 598- 116 = 482 million. nett debt. lent out 533 compare with 482 million nett debt. !! (if recoup all of money lent out (533), well, lets say 85% is recouped (453) & pay off the debts (482 million) the result is 453-482 = -29 million, ie. 29 of debt unpaid !!! compared with MCL that is terrible. & imo for solidity of accounts it is also terrible. I would not have lent IPF 492 million, even at 9.75%. (the lenders saw the risk, hence the high % rate). 90% of the money that IPF has out on loan is money it has borrowed (@ 9.75% ) !! as I posted before, not good. IPF is in a bad position. it has little in the way of 'real' assets based on these numbers & the cash it has lent out is basically almost all just borrowed money !! That infers risk. SUMMARY MCL is financially much more solid than IPF & also has about 1/2 of its cap. value as nett cash, & is hence a better investment than IPF imo. (& MCL is reporting a (reduced) profit for 2020, while IPF reported a noticeable loss) Also, personally I would not invest in IPF since ~90% of its money out on loan is borrowed money. imo that is a terrible %. And imo IPF should not pay any divis for a few years because it needs to shore up its accounts imo. ----- if anyone finds any error in my calcs please let me know, but it looks correct to me
robinnicolson: Citywire: International Personal Finance (IPF) has reported a loss for 2020 but it is a better result than expected and the stock is undervalued, says Peel Hunt. Analyst Stuart Duncan retained his 'buy' recommendation and target price of 165p on the stock, which closed up 13.7%, or 10.8p, at 89.8p on Wednesday. "The outcome was much better than we expected and the business saw a strong recovery in second half profits," said Duncan. "Operationally and financially, the business is well-placed to take advantage of improving conditions." Duncan said the stock was, at time of writing, trading on a forward price-to-earnings multiple of 9 times and did not deserve to trade at a 44% discount to net asset value. "We continue to see significant upside… as ultimately IPF emerges from the current period in a stronger competitive position," he said.
ttny2004: Can strongly recommend watching the webcast for institutions & shareholders. encouraging for the future. Good to see share price rise positively today!
phatomtraider: Let me guess were one of the PIs that said if it falls to 88p it must then rebound back to 99p, as night follows day. I have said short selling is prohibited in this market. That is a red flag in my book. It means that there is no shares that the MMs can borrow to cover the short as they cannot borrow it from somewhere else. All lendable are already borrowed and sold short. Means there's a short attack. It means there is no real market for the stock at that price. What can that mean...If a stock spikes up very high, but no shares are available to short at that price, it means there is no real market for the stock at that price, the broker is essentially saying: "at this price no short selling, only suckers who want to buy!" Could they be wrong, yes, shorters loose their bet and have to close their short. Today the share price nearly fell 7p in 1.5hrs. For me I will wait till on side lines rather than catch a falling knife. Don't get me wrong I am Long here, just my buy order placed is sub 80p.
phatomtraider: Yeesh...You guys are not getting it..."rose_by_another_name" is "noreply1". His shorter gang targeted IPF in September. No shorts being accepted by MMs as they have no shares to borrow to short. This means that despite what it says on ShortTracker, IPF is being shorted. Doesn't mean that the share price will go down or anything fundamentally wrong. But does mean you are back in the cross-hairs and today's rise is nothing to read to as just opportunists looking for short, small rise to follow TU.
ttny2004: Great we got a broker upgrade on Friday. Shore Capital increase from hold 75p target share price to a buy rating 110p target share price.Now awaiting for others to follow suit - Peel Hunt, Numus, Citigroup, etc.Expect to see share price slowly head north now to 100p and beyond over coming months
tim000: Of course they were going to make a substantial loss in H1 during the Covid crisis, that’s why the share price is on its knees. All lending institutions have seen sharp falls in share prices. The share price will now reflect prospects for recovery of the business, which look encouraging.
brucie5: Brucie5 12 May '20 - 10:29 - 656 of 670 Edit 0 1 0 Does look oversold on the MAs with this morning's news, and NED's recent bold purchase. Peel Hunt also very bullish about its survival prospects. So I've taken a nibble, with initial target of 70p. That would on current view hardly even challenge to 50sma. ---------------------------------------------------------------------- Sorry guys, I should have warned you of the 'Brucie Effect' each time I buy in... A little drop, just to test resolve. Well, resolve duly tested, and looks to have been nothing more than a slight tree shake. I'm in at 49.5p, by the way, and certainly looking to hold to 75. The gap could go much further, of course, seeing how suddenly and far its fallen. And then there's that PH note: just to repeat. Sun 15:18 PEEL HUNT ON IPF The price of International Personal Finance (IPF) shares is ‘overly pessimistic’ as the doorstep lender is proving ‘more robust’ than anticipated, says Peel Hunt. Analyst Stuart Duncan retained his ‘buy’ recommendation and target price of 270p on the shares, which soared 20.6% to 55.9p yesterday. While he said it was still to early to quantify the impact of Covid-19 on the business, a statement from the group ‘indicates the business is proving more robust that the share price suggests’. ‘The key points... are collections running at 76% effectiveness in April and positive cashflows of £27m in April,’ he said. ‘Both signal that the current share price is way too pessimistic for a business that is proving more resilient than feared.’
International Personal F... share price data is direct from the London Stock Exchange
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