International Personal Finance PLC (IPF) — Cash Flow Quality Index
International Personal Finance PLC (IPF) has a Cash Flow Quality Index of -0.41x as of December 2025. Operating cash flow of GBX-9.60 Million is below net income of GBX23.20 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore International Personal Finance PLC (IPF) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
International Personal Finance PLC Cash Flow Quality Index (2006–2025)
Historical Cash Flow Quality Index for International Personal Finance PLC across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see IPF operating cash flow.
Annual Cash Flow Quality Index for International Personal Finance PLC (2006–2025)
Year-by-year earnings quality comparison for International Personal Finance PLC.
| Year | Quality Index | Operating CF (GBX) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -0.08x | GBX-4.50 Million | GBX54.20 Million | ▼ -120.4% |
| 2024 | 0.41x | GBX24.80 Million | GBX60.90 Million | ▼ -77.2% |
| 2023 | 1.79x | GBX85.80 Million | GBX48.00 Million | ▲ +11381.1% |
| 2022 | -0.02x | GBX-900.00K | GBX56.80 Million | ▲ +97.3% |
| 2021 | -0.59x | GBX-24.80 Million | GBX41.90 Million | ▼ -166.2% |
| 2019 | 0.89x | GBX64.20 Million | GBX71.80 Million | ▲ +12.0% |
| 2018 | 0.80x | GBX60.20 Million | GBX75.40 Million | ▲ +560.6% |
| 2017 | -0.17x | GBX-7.80 Million | GBX45.00 Million | ▼ -153.2% |
| 2016 | 0.33x | GBX21.80 Million | GBX66.90 Million | ▼ -9.1% |
| 2015 | 0.36x | GBX22.40 Million | GBX62.50 Million | ▼ -24.1% |
| 2014 | 0.47x | GBX33.90 Million | GBX71.80 Million | ▲ +3572.1% |
| 2013 | -0.01x | GBX-1.30 Million | GBX95.60 Million | ▼ -103.5% |
| 2012 | 0.39x | GBX29.20 Million | GBX74.10 Million | ▲ +374.9% |
| 2011 | 0.08x | GBX11.90 Million | GBX143.40 Million | ▼ -72.6% |
| 2010 | 0.30x | GBX39.00 Million | GBX128.90 Million | ▼ -58.4% |
| 2009 | 0.73x | GBX67.30 Million | GBX92.60 Million | ▲ +417.6% |
| 2008 | 0.14x | GBX14.80 Million | GBX105.40 Million | ▲ +239.0% |
| 2007 | -0.10x | GBX-7.00 Million | GBX69.30 Million | ▼ -110.3% |
| 2006 | 0.98x | GBX22.60 Million | GBX23.00 Million | — |