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International Personal Finance PLC Fundamentals

Company NameInternational Personal Finance PLCLast Updated2022-08-15
IndustryCredit ServicesSectorFinancial Services
Shares in Issue222.548 mMarket Cap£249.44 m
PE Ratio5.21Dividend per Share£0.02
Dividend Yield7.21Dividend Cover8.09
EPS£0.18EPS Growth (%)0
PEG0DPS Growth (%)0
Debt Ratio0.4848Debt Equity Ratio1.3058
Asset Equity Ratio2.6937Cash Equity Ration/a
Quick Ratio0Current Ratio0
Price To Book Value0.6118ROCE0

International Personal Finance PLC Dividends

TypeEx-DatePay DateCurrencyNet DividendYear Total
Interim2022-09-012022-09-30GBP0.0270
Prelim2022-04-072022-05-06GBP0.0580
Interim2021-09-022021-10-01GBP0.0220
Interim2019-09-052019-10-04GBP0.0460

International Personal Finance PLC Company Financials

Assets202120202019
Tangible Assets£31.50 m£32.90 m£38.80 m
Intangible Assets£48.10 m£54.60 m£66.30 m
Investments000
Total Fixed Assets000
Stocks000
Debtors000
Cash & Equivalents000
Other Assets000
Total Assets£999.30 m£1.02 bn£1.32 bn
Liabilities202120202019
Creditors within 1 year000
Creditors after 1 year000
Other Liabilities000
Total Liabilities£632.20 m£653.40 m£886.30 m
Net assets£367.10 m£370.50 m£436.40 m
Equity202120202019
Called up share capital£23.40 m£23.40 m£23.40 m
Share Premium£2.30 m£2.30 m£2.30 m
Profit / Loss£67.70 m-£40.70 m£114.00 m
Other Equity£367.10 m£370.50 m£436.40 m
Preference & Minorities000
Total Capital Employed£367.10 m£370.50 m£436.40 m
Ratios202120202019
Debt Ratio£0.57£0.58£0.61
Debt-to-Equity£1.34£1.38£1.59
Assets / Equity2.69372.69372.6937
Cash / Equityn/an/an/a
EPS£0.19-£0.29£0.32
Cash Flow202120202019
Cash from operating activities-£24.80 m£283.60 m£64.20 m
Cashflow before financing-£57.00 m£94.00 m£24.10 m
Increase in Cash-£72.20 m£78.90 m-£7.10 m
Income202120202019
Turnover£494.70 m£614.50 m£825.60 m
Cost of sales000
Gross Profit000
Operating Profit000
Pre-Tax profit£67.70 m-£40.70 m£114.00 m

International Personal Finance PLC Company Background

SectorFinancial Services
ActivitiesInternational Personal Finance PLC provides consumer loans. The company's segment is based on geographical regions: European home credit, Mexico home credit, and Digital. It generates maximum revenue from the European home credit segment. The company home credit business operates as the Provident brand and makes small, unsecured loans to customers with low or unstable incomes and little to no credit history. Its digital business provides loans and revolving credit lines thatcustomers access online.
Latest Interim Date27 Jul 2022
Latest Fiscal Year End Date23 Feb 2022

International Personal Finance PLC Directors

AppointedNamePosition
2022-03-24Mr. Stuart William Sinclair Non-Executive Director,Chairman
2020-04-30Mr. Daniel Noel O'ConnorNon-Executive Director,Chairman
2022-03-24Ms. Bronwyn SyiekNon-Executive Director
2017-03-21Mr. David Edward Spencer BroadbentExecutive Director,Chief Commercial Officer
2012-04-19Mr. Charles Henry Gregson Non-Executive Director
2015-04-30Mr. Christopher John Rodrigues CBENon-Executive Director,Chairman
2015-01-16Ms. Edyta KurekNon-Executive Director
2021-03-24Ms. Cathryn Elizabeth RileyNon-Executive Director
2013-04-25Mr. John LorimerNon-Executive Director
2019-05-02Mr. Antony John Hales CBENon-Executive Director
2012-03-30Mr. John Arthur HarnettExecutive Director,Chief Executive Officer
2015-12-18Mr. Nicholas Hurst PageNon-Executive Director
2022-03-10Mr. Gerard Jude RyanExecutive Director,Chief Executive Officer
2009-10-05Mr. Raymond Reginald MilesNon-Executive Director,Deputy Chairman
2011-08-09Mr. Craig Neil ShannonExecutive Director,Development Director
2018-05-04Ms. Jayne Doreen AlmondNon-Executive Director
2021-03-24Mr. Richard Frank MoatNon-Executive Director,Senior Independent Director
2017-03-21Mr. Adrian David Edmund GardnerExecutive Director,Chief Financial Officer
2022-03-24Mr. John MangelaarsNon-Executive Director
2021-07-27Mr. Justin LockwoodExecutive Director,Chief Financial Officer
2022-03-24Ms. Deborah Lee DavisNon-Executive Director
2022-03-24Mr. W Richard HolmesNon-Executive Director,Senior Independent Director

International Personal Finance PLC Contact Details

Company NameInternational Personal Finance PLC
AddressNumber Three, Leeds City Office Park, Meadow Lane, Leeds, LS11 5BD
Telephone+44 1132856700
Websitehttps://www.ipfin.co.uk

International Personal Finance PLC Advisors

AuditorDeloitte LLP
Phone+44 1312256834
Fax+44 1312254049
Remuneration ConsultantWillis Towers Watson
Phone+44 2071702000
Fax+44 2071702222
Financial PR AdviserFTI Consulting Inc
Phone+44 2037271000
Fax+44 2037271007
Financial AdviserCanaccord Genuity
Phone+44 2075238000
StockbrokerCiti
Phone+44 2079864000
Fax+44 2079862266
RegistrarCapita Asset Services
Phone+44 8716640300
Fax+44 2086392342
StockbrokerNumis Securities Limited
Phone+44 2072601000
Fax+44 2072601001
Remuneration ConsultantKepler Associates
Phone+44 2079307730
Fax+44 2079307733
Financial AdviserCommerzbank AG
Phone(020) 7653 7000
Fax(020) 7653 7400
SolicitorSlaughter and May
Phone+44 2076001200
Fax+44 2070905000