International Personal Finance plc
United Kingdom · GB00B1YKG049 · reports in GBP · Europe
The answers
From the annual report for the year to Dec 31, 2025. Each line says what it is based on.
- Is it growing?Fair
- Revenue +1.5% in the year to Dec 31, 2025, on the year before.
- Is it a good business?Fair
- It earned 9.9% on its shareholders' equity in the year to Dec 31, 2025.
- Is it safe?Fair
- Equity is 41% of its assets, and operations used cash in the year.
- Is the price fair?n/a
- Not answered: no exchange publishes this company's price for free reuse, so there is no P/E here.
The year
Year to Dec 31, 2025, consolidated, in GBP.
revenue
operating margin
net profit
Year by year
As filed; an earlier year can differ from its own report when the company restated it.
| Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|
| Revenue | £646M | £768M | £726M | £738M |
| Earnings per share | £0.26 | £0.21 | £0.27 | £0.25 |
| Dividend per share | £0.09 | £0.10 | n/a | n/a |
| Cash from operations | −£900,000 | £86M | £25M | −£5M |
| Capital spending | £9M | £5M | £6M | £7M |
| Cash | £51M | £43M | £28M | £30M |
| Total assets | £1.2B | £1.2B | £1.1B | £1.3B |
| Equity | £445M | £502M | £466M | £546M |
What they do
In the company's own words, from the annual report.
IPF is a leading international consumer credit provider supporting customers who are underserved by traditional lenders. Guided by our purpose to build a better world through financial inclusion, we offer fair, flexible credit and value-added services to millions of people across our markets through a growing multi-product, multi-channel proposition. 2025 was a year of growth and transformation. Through our Next Gen strategy, we are moving faster, reaching more customers and reshaping how we create value. We are accelerating growth while reinvesting in our products, people and technology to make IPF an even better business. From launching new digital credit products and expanding retail partnerships to enhancing customer journeys through AI, we are delivering on our plans and building momentum for the future.
Source: the company’s annual financial report in ESEF, via filings.xbrl.org (XBRL International). Listed shares from ESMA’s FIRDS register; ESMA does not endorse this site. Ryufin computed the answers and ratios from the filed figures.