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 investment intensity of International Personal Finance PLC to see how much of total assets are deployed in long-term investments.
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. Check IPF goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for International Personal Finance PLC (2006–2025)
Year-by-year earnings quality comparison for International Personal Finance PLC. For live market cap and the full company financial profile, see International Personal Finance PLC market cap and net worth.
| 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 | — |