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 investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see International Personal Finance PLC (IPF) cash conversion ratio.
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. Explore International Personal Finance PLC (IPF) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
| 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 | — |