International Personal Finance PLC (IPF) - Net Assets

Latest as of December 2025: GBX546.00 Million GBX ≈ $66.43K USD

Based on the latest financial reports, International Personal Finance PLC (IPF) has net assets worth GBX546.00 Million GBX (≈ $66.43K USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX1.34 Billion ≈ $162.71K USD) and total liabilities (GBX791.30 Million ≈ $96.28K USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check International Personal Finance PLC liquidity resilience to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	GBX546.00 Million
% of Total Assets	40.83%
Annual Growth Rate	16.53%
5-Year Change	48.73%
10-Year Change	-98.83%
Growth Volatility	3800.12

International Personal Finance PLC - Net Assets Trend (2004–2025)

This chart illustrates how International Personal Finance PLC's net assets have evolved over time, based on quarterly financial data. Also explore IPF asset base for the complete picture of this company's asset base.

Annual Net Assets for International Personal Finance PLC (2004–2025)

The table below shows the annual net assets of International Personal Finance PLC from 2004 to 2025. For live valuation and market cap data, see market value of International Personal Finance PLC.

Year	Net Assets	Change
2025-12-31	GBX546.00 Million ≈ $66.43K	+17.09%
2024-12-31	GBX466.30 Million ≈ $56.74K	-7.09%
2023-12-31	GBX501.90 Million ≈ $61.07K	+12.74%
2022-12-31	GBX445.20 Million ≈ $54.17K	+21.27%
2021-12-31	GBX367.10 Million ≈ $44.67K	-0.92%
2020-12-31	GBX370.50 Million ≈ $45.08K	-15.10%
2019-12-31	GBX436.40 Million ≈ $53.10K	+0.79%
2018-12-31	GBX433.00 Million ≈ $52.68K	-12.86%
2017-12-31	GBX496.90 Million ≈ $60.46K	-98.93%
2017-10-31	GBX46.57 Billion ≈ $5.67 Million	+10742.61%
2016-12-31	GBX429.50 Million ≈ $52.26K	-98.98%
2016-10-31	GBX41.97 Billion ≈ $5.11 Million	+12727.02%
2015-12-31	GBX327.20 Million ≈ $39.81K	-99.18%
2015-10-31	GBX39.76 Billion ≈ $4.84 Million	+10895.30%
2014-12-31	GBX361.60 Million ≈ $44.00K	-8.20%
2013-12-31	GBX393.90 Million ≈ $47.93K	+4.82%
2012-12-31	GBX375.80 Million ≈ $45.72K	+14.68%
2011-12-31	GBX327.70 Million ≈ $39.87K	+6.05%
2010-12-31	GBX309.00 Million ≈ $37.60K	+18.94%
2009-12-31	GBX259.80 Million ≈ $31.61K	+0.39%
2008-12-31	GBX258.80 Million ≈ $31.49K	+27.11%
2007-12-31	GBX203.60 Million ≈ $24.77K	+148.60%
2006-12-31	GBX81.90 Million ≈ $9.96K	+45.73%
2005-12-31	GBX56.20 Million ≈ $6.84K	+155.45%
2004-12-31	GBX22.00 Million ≈ $2.68K	--

Equity Component Analysis

This analysis shows how different components contribute to International Personal Finance PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 53660000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	GBX536.60 Million	98.28%
Common Stock	GBX22.50 Million	4.12%
Other Comprehensive Income	GBX24.80 Million	4.54%
Total Equity	GBX546.00 Million	100.00%

International Personal Finance PLC Competitors by Market Cap

The table below lists competitors of International Personal Finance PLC ranked by their market capitalization.

Company	Market Cap
LCC Infotech Limited NSE:LCCINFOTEC	$6.61 Million
Diamond Fields Resources Inc V:DFR	$6.61 Million
Hays plc LSE:HAS	$6.61 Million
Griffin Mining LSE:GFM	$6.62 Million
Sakol Energy Public Company Limited BK:SKE	$6.61 Million
Bri-Chem Corp. TO:BRY	$6.61 Million
GR BUSSINES SO F:INW	$6.61 Million
Equinox Resources Ltd AU:EQN	$6.61 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in International Personal Finance PLC's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 466,300,000 to 546,000,000, a change of 79,700,000 (17.1%).
Net income of 54,200,000 contributed positively to equity growth.
Dividend payments of 25,800,000 reduced retained earnings.
New share issuances of 500,000 increased equity.
Other comprehensive income increased equity by 69,500,000.
Other factors decreased equity by 18,700,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	GBX54.20 Million	+9.93%
Dividends Paid	GBX25.80 Million	-4.73%
Share Issuances	GBX500.00K	+0.09%
Other Comprehensive Income	GBX69.50 Million	+12.73%
Other Changes	GBX-18.70 Million	-3.42%
Total Change	GBX-	17.09%

Book Value vs Market Value Analysis

This analysis compares International Personal Finance PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 104.21x
The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
The price-to-book ratio has decreased from 778.16x to 104.21x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2006-12-31	GBX0.32	GBX247.50	x
2007-12-31	GBX0.79	GBX247.50	x
2008-12-31	GBX1.01	GBX247.50	x
2009-12-31	GBX1.01	GBX247.50	x
2010-12-31	GBX1.21	GBX247.50	x
2011-12-31	GBX1.27	GBX247.50	x
2012-12-31	GBX1.45	GBX247.50	x
2013-12-31	GBX1.57	GBX247.50	x
2014-12-31	GBX1.48	GBX247.50	x
2015-12-31	GBX1.39	GBX247.50	x
2016-12-31	GBX1.89	GBX247.50	x
2017-12-31	GBX2.15	GBX247.50	x
2018-12-31	GBX1.85	GBX247.50	x
2019-12-31	GBX1.84	GBX247.50	x
2020-12-31	GBX1.67	GBX247.50	x
2021-12-31	GBX1.56	GBX247.50	x
2022-12-31	GBX1.90	GBX247.50	x
2023-12-31	GBX2.11	GBX247.50	x
2024-12-31	GBX1.98	GBX247.50	x
2025-12-31	GBX2.37	GBX247.50	x

Capital Efficiency Dashboard

This dashboard shows how efficiently International Personal Finance PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 9.93%
The company has moderate efficiency in generating returns from equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 7.35%
• Asset Turnover: 0.55x
• Equity Multiplier: 2.45x
Recent ROE (9.93%) is below the historical average (14.89%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2006	28.08%	6.30%	0.70x	6.36x	GBX14.81 Million
2007	15.96%	7.93%	0.65x	3.10x	GBX12.14 Million
2008	19.55%	9.08%	0.73x	2.96x	GBX24.72 Million
2009	12.63%	5.96%	0.82x	2.58x	GBX6.82 Million
2010	19.16%	9.73%	0.87x	2.27x	GBX28.30 Million
2011	23.34%	11.78%	0.94x	2.11x	GBX43.73 Million
2012	19.72%	12.15%	0.78x	2.08x	GBX36.52 Million
2013	24.27%	13.70%	0.75x	2.35x	GBX56.21 Million
2014	19.86%	9.73%	0.77x	2.66x	GBX35.64 Million
2015	19.10%	9.01%	0.68x	3.12x	GBX29.78 Million
2016	15.58%	9.34%	0.59x	2.83x	GBX23.95 Million
2017	7.37%	4.75%	0.57x	2.70x	GBX-13.09 Million
2018	17.41%	9.33%	0.61x	3.05x	GBX32.10 Million
2019	16.45%	8.70%	0.62x	3.03x	GBX28.16 Million
2020	-17.33%	-9.71%	0.65x	2.76x	GBX-101.25 Million
2021	11.41%	7.64%	0.55x	2.72x	GBX5.19 Million
2022	12.76%	8.80%	0.55x	2.63x	GBX12.28 Million
2023	9.56%	6.25%	0.65x	2.37x	GBX-2.19 Million
2024	13.06%	9.28%	0.57x	2.45x	GBX14.27 Million
2025	9.93%	7.35%	0.55x	2.45x	GBX-400.00K

Industry Comparison

This section compares International Personal Finance PLC's net assets metrics with peer companies in the Credit Services industry.

Industry Context

Industry: Credit Services
Average net assets among peers: $1,615,222,607
Average return on equity (ROE) among peers: 0.54%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
International Personal Finance PLC (IPF)	GBX546.00 Million	28.08%	1.45x	$6.61 Million
Amigo Holdings PLC (AMGO)	$0.00	0.00%	0.00x	$356.37K
ASA International Group PLC (ASAI)	$62.48 Million	23.91%	2.11x	$2.54 Million
Distribution Finance Capital Holdings PLC (DFCH)	$54.55 Million	-13.32%	1.39x	$1.19 Million
Funding Circle Holdings PLC (FCH)	$104.20 Million	-44.72%	0.11x	$4.95 Million
General Accident PLC (GACA)	$13.94 Billion	0.99%	0.00x	$374.75 Million
H&T Group plc (HAT)	$61.68 Million	27.86%	0.74x	$3.44 Million
Sancus Lending Group Ltd (LEND)	$95.42 Million	-11.81%	0.64x	$87.04K
Litigation Capital Management Limited (LIT)	$183.47 Million	17.16%	1.99x	$55.10K
Orchard Funding Group PLC (ORCH)	$34.20 Million	4.78%	0.01x	$151.99K

About International Personal Finance PLC

LSE:IPF UK Credit Services

Market Cap

$6.61 Million

GBX54.33 Billion GBX

Market Cap Rank

#27807 Global

#413 in UK

Share Price

GBX247.50

Change (1 day)

+0.00%

52-Week Range

GBX147.20 - GBX255.00

All Time High

GBX255.00