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). Check International Personal Finance PLC PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
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. See International Personal Finance PLC current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
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 value 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 | — |