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Share Name Share Symbol Market Type Share ISIN Share Description
International Personal Finance LSE:IPF London Ordinary Share GB00B1YKG049 ORD 10P
  Price Change % Change Share Price Shares Traded Last Trade
  +5.00p +2.46% 208.20p 74,837 15:09:13
Bid Price Offer Price High Price Low Price Open Price
207.60p 208.20p 209.20p 205.80p 205.80p
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
General Financial 825.80 105.60 33.70 6.2 465.5

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Date Time Title Posts
25/10/201816:26International Personal Finance plc527

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International Personal Finance Daily Update: International Personal Finance is listed in the General Financial sector of the London Stock Exchange with ticker IPF. The last closing price for International Personal Finance was 203.20p.
International Personal Finance has a 4 week average price of 188.90p and a 12 week average price of 165.80p.
The 1 year high share price is 258.80p while the 1 year low share price is currently 165.80p.
There are currently 223,595,011 shares in issue and the average daily traded volume is 189,354 shares. The market capitalisation of International Personal Finance is £465,524,812.90.
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.
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 to trouser for the long term imho. Got in at 186 so laughing right now.
International Personal Finance share price data is direct from the London Stock Exchange
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