International Personal Finance plc
International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico. The company provides home credit installment loans; hybrid loans; credit card; retail credit; digital installment loans; revolving credit line; mobile wallet services; and value added services, including health and life insurance. It offers its products under the Provid… Read more
International Personal Finance plc (IPFPF) - Net Assets
Latest net assets as of June 2025: $501.60 Million USD
Based on the latest financial reports, International Personal Finance plc (IPFPF) has net assets worth $501.60 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.23 Billion) and total liabilities ($724.20 Million). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $501.60 Million |
| % of Total Assets | 40.92% |
| Annual Growth Rate | 10.14% |
| 5-Year Change | 25.86% |
| 10-Year Change | 42.51% |
| Growth Volatility | 35.32 |
International Personal Finance plc - Net Assets Trend (2006–2024)
This chart illustrates how International Personal Finance plc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for International Personal Finance plc (2006–2024)
The table below shows the annual net assets of International Personal Finance plc from 2006 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $466.30 Million | -7.09% |
| 2023-12-31 | $501.90 Million | +12.74% |
| 2022-12-31 | $445.20 Million | +21.27% |
| 2021-12-31 | $367.10 Million | -0.92% |
| 2020-12-31 | $370.50 Million | -15.10% |
| 2019-12-31 | $436.40 Million | +0.79% |
| 2018-12-31 | $433.00 Million | -12.86% |
| 2017-12-31 | $496.90 Million | +15.69% |
| 2016-12-31 | $429.50 Million | +31.27% |
| 2015-12-31 | $327.20 Million | -9.51% |
| 2014-12-31 | $361.60 Million | -8.20% |
| 2013-12-31 | $393.90 Million | +4.82% |
| 2012-12-31 | $375.80 Million | +14.68% |
| 2011-12-31 | $327.70 Million | +6.05% |
| 2010-12-31 | $309.00 Million | +18.94% |
| 2009-12-31 | $259.80 Million | +0.39% |
| 2008-12-31 | $258.80 Million | +27.11% |
| 2007-12-31 | $203.60 Million | +148.60% |
| 2006-12-31 | $81.90 Million | -- |
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 603.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $513.40 Million | 110.10% |
| Common Stock | $22.50 Million | 4.83% |
| Other Comprehensive Income | $-44.70 Million | -9.59% |
| Total Equity | $466.30 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 |
|---|---|
|
Opple Lighting Co Ltd
SHG:603515
|
$275.03 Million |
|
Shandong Astro-century Education&Technology Co Ltd
SHE:300654
|
$275.07 Million |
|
G City Ltd
PINK:GZTGF
|
$275.11 Million |
|
FocalTech Systems Co Ltd
TW:3545
|
$275.16 Million |
|
Hai An Transport and Stevedoring JSC
VN:HAH
|
$274.97 Million |
|
Guolin Environmental Tech Co Ltd
SHE:300786
|
$274.95 Million |
|
E&R Engineering
TWO:8027
|
$274.88 Million |
|
Timberland Bancorp Inc
NASDAQ:TSBK
|
$274.80 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 2023 to 2024, total equity changed from 501,900,000 to 466,300,000, a change of -35,600,000 (-7.1%).
- Net income of 60,900,000 contributed positively to equity growth.
- Dividend payments of 23,900,000 reduced retained earnings.
- Share repurchases of 15,100,000 reduced equity.
- Other comprehensive income decreased equity by 56,699,999.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $60.90 Million | +13.06% |
| Dividends Paid | $23.90 Million | -5.13% |
| Share Repurchases | $15.10 Million | -3.24% |
| Other Comprehensive Income | $-56.70 Million | -12.16% |
| Other Changes | $300.00K | +0.06% |
| Total Change | $- | -7.09% |
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: 0.76x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.72x to 0.76x 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 | $0.32 | $1.50 | x |
| 2007-12-31 | $0.79 | $1.50 | x |
| 2008-12-31 | $1.01 | $1.50 | x |
| 2009-12-31 | $1.01 | $1.50 | x |
| 2010-12-31 | $1.21 | $1.50 | x |
| 2011-12-31 | $1.27 | $1.50 | x |
| 2012-12-31 | $1.45 | $1.50 | x |
| 2013-12-31 | $1.57 | $1.50 | x |
| 2014-12-31 | $1.48 | $1.50 | x |
| 2015-12-31 | $1.39 | $1.50 | x |
| 2016-12-31 | $1.89 | $1.50 | x |
| 2017-12-31 | $2.15 | $1.50 | x |
| 2018-12-31 | $1.85 | $1.50 | x |
| 2019-12-31 | $1.84 | $1.50 | x |
| 2020-12-31 | $1.67 | $1.50 | x |
| 2021-12-31 | $1.56 | $1.50 | x |
| 2022-12-31 | $1.90 | $1.50 | x |
| 2023-12-31 | $2.11 | $1.50 | x |
| 2024-12-31 | $1.98 | $1.50 | 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): 13.06%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.28%
- • Asset Turnover: 0.57x
- • Equity Multiplier: 2.45x
- Recent ROE (13.06%) is below the historical average (15.16%), 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 | $14.81 Million |
| 2007 | 15.96% | 7.93% | 0.65x | 3.10x | $12.14 Million |
| 2008 | 19.55% | 9.08% | 0.73x | 2.96x | $24.72 Million |
| 2009 | 12.63% | 5.96% | 0.82x | 2.58x | $6.82 Million |
| 2010 | 19.16% | 9.73% | 0.87x | 2.27x | $28.30 Million |
| 2011 | 23.34% | 11.78% | 0.94x | 2.11x | $43.73 Million |
| 2012 | 19.72% | 12.15% | 0.78x | 2.08x | $36.52 Million |
| 2013 | 24.27% | 13.70% | 0.75x | 2.35x | $56.21 Million |
| 2014 | 19.86% | 9.73% | 0.77x | 2.66x | $35.64 Million |
| 2015 | 19.10% | 9.01% | 0.68x | 3.12x | $29.78 Million |
| 2016 | 15.58% | 9.34% | 0.59x | 2.83x | $23.95 Million |
| 2017 | 7.37% | 4.75% | 0.57x | 2.70x | $-13.09 Million |
| 2018 | 17.41% | 9.33% | 0.61x | 3.05x | $32.10 Million |
| 2019 | 16.45% | 8.70% | 0.62x | 3.03x | $28.16 Million |
| 2020 | -17.33% | -9.71% | 0.65x | 2.76x | $-101.25 Million |
| 2021 | 11.41% | 7.64% | 0.55x | 2.72x | $5.19 Million |
| 2022 | 12.76% | 8.80% | 0.55x | 2.63x | $12.28 Million |
| 2023 | 9.56% | 6.25% | 0.65x | 2.37x | $-2.19 Million |
| 2024 | 13.06% | 9.28% | 0.57x | 2.45x | $14.27 Million |
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: $53,145,153,302
- Average return on equity (ROE) among peers: -26.41%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| International Personal Finance plc (IPFPF) | $501.60 Million | 28.08% | 1.44x | $274.99 Million |
| Accord Financial Corp (ACCFF) | $21.70 Million | 19.82% | 0.65x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $12.41 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $134.44 Million | 12.11% | 24.42x | $1.44 Billion |
| Aiful Corp (AIFLF) | $201.41 Billion | 10.83% | 5.29x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $725.64 Million | -41.91% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $36.76 Million | -14.00% | 0.54x | $2.57 Million |
| Ally Financial Inc (ALLY) | $19.28 Billion | -0.81% | 8.55x | $10.41 Billion |
| Alpha Investment Inc (ALPC) | $607.43K | -264.75% | 4.98x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $46.38 Million | 9.47% | 26.05x | $14.87 Million |