International Personal Finance PLC Cash Flow Quality Index
International Personal Finance PLC 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 cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of International Personal Finance PLC (2006–2025)
Cash flow quality index of International Personal Finance PLC from 2006 to 2025. Historical Cash Flow Quality Index for International Personal Finance PLC across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. See International Personal Finance PLC balance sheet independence to measure how much of total assets are equity-financed.
International Personal Finance PLC Cash Flow Quality Index by Year (2006–2025)
International Personal Finance PLC cash flow quality index by year from 2006 to 2025. Year-by-year earnings quality comparison for International Personal Finance PLC. For the full cash flow conversion analysis, see IPF cash flow metrics.
| 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 | — |