International Personal Finance PLC (IPF) — Financial Flexibility Index
International Personal Finance PLC (IPF) has a Financial Flexibility Index of -0.01x as of December 2025. Free cash flow of GBX-4.40 Million (operating CF GBX-9.60 Million minus capex GBX5.20 Million) represents 0% of total liabilities (GBX791.30 Million). Also explore IPF net assets growth trend to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
International Personal Finance PLC Financial Flexibility Index (2006–2025)
Historical Financial Flexibility Index trend for International Personal Finance PLC across 20 annual periods. Check International Personal Finance PLC (IPF) strategic asset index to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for International Personal Finance PLC (2006–2025)
Year-by-year free cash flow to debt coverage for International Personal Finance PLC. For the full company profile including market capitalisation, see market cap of International Personal Finance PLC.
| Year | Flexibility Index | Free Cash Flow (GBX) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.00x | GBX2.90 Million | GBX-4.50 Million | GBX791.30 Million | ▼ -94.9% |
| 2024 | 0.07x | GBX49.00 Million | GBX24.80 Million | GBX675.40 Million | ▼ -54.0% |
| 2023 | 0.16x | GBX108.40 Million | GBX85.80 Million | GBX687.10 Million | ▲ +400.1% |
| 2022 | 0.03x | GBX22.90 Million | GBX-900.00K | GBX725.90 Million | ▲ +312.2% |
| 2021 | -0.01x | GBX-9.40 Million | GBX-24.80 Million | GBX632.20 Million | ▼ -103.2% |
| 2020 | 0.46x | GBX299.10 Million | GBX283.60 Million | GBX653.40 Million | ▲ +324.4% |
| 2019 | 0.11x | GBX95.60 Million | GBX64.20 Million | GBX886.30 Million | ▲ +11.3% |
| 2018 | 0.10x | GBX86.20 Million | GBX60.20 Million | GBX889.50 Million | ▲ +376.5% |
| 2017 | 0.02x | GBX17.20 Million | GBX-7.80 Million | GBX845.70 Million | ▼ -65.2% |
| 2016 | 0.06x | GBX45.90 Million | GBX21.80 Million | GBX784.40 Million | ▼ -17.9% |
| 2015 | 0.07x | GBX49.50 Million | GBX22.40 Million | GBX694.90 Million | ▼ -21.9% |
| 2014 | 0.09x | GBX54.80 Million | GBX33.90 Million | GBX601.20 Million | ▲ +285.9% |
| 2013 | 0.02x | GBX12.60 Million | GBX-1.30 Million | GBX533.50 Million | ▼ -76.2% |
| 2012 | 0.10x | GBX40.10 Million | GBX29.20 Million | GBX404.70 Million | ▲ +37.7% |
| 2011 | 0.07x | GBX26.20 Million | GBX11.90 Million | GBX364.00 Million | ▼ -43.4% |
| 2010 | 0.13x | GBX50.10 Million | GBX39.00 Million | GBX393.70 Million | ▼ -32.2% |
| 2009 | 0.19x | GBX77.10 Million | GBX67.30 Million | GBX410.70 Million | ▲ +146.8% |
| 2008 | 0.08x | GBX38.50 Million | GBX14.80 Million | GBX506.10 Million | ▲ +56.2% |
| 2007 | 0.05x | GBX20.80 Million | GBX-7.00 Million | GBX427.10 Million | ▼ -59.0% |
| 2006 | 0.12x | GBX52.10 Million | GBX22.60 Million | GBX438.90 Million | — |