International Personal Finance PLC Financial Flexibility Index
International Personal Finance PLC 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). Explore capital reinvestment ratio of International Personal Finance PLC to see what proportion of operating cash flow is directed to capital expenditures.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of International Personal Finance PLC (2006–2025)
Financial flexibility index of International Personal Finance PLC from 2006 to 2025. Historical Financial Flexibility Index trend for International Personal Finance PLC across 20 annual periods. Check IPF total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
International Personal Finance PLC Financial Flexibility Index by Year (2006–2025)
International Personal Finance PLC financial flexibility index by year from 2006 to 2025. Year-by-year free cash flow to debt coverage for International Personal Finance PLC. For the full cash flow conversion analysis, see International Personal Finance PLC (IPF) cash flow conversion.
| 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 | — |