International Personal Finance PLC (LSE:IPF) — Stock Price
International Personal Finance PLC (LSE:IPF) is currently trading at GBX250.00 GBX, up 0.00% today. Over the past 52 weeks, shares have ranged between GBX198.20 and GBX255.00. This page tracks International Personal Finance PLC's live share price on the LSE exchange, its daily price and volume history, and — where reported — its income statement, balance sheet, cash flow statement, and earnings history. For company valuation and market capitalisation context, see market value of International Personal Finance PLC.
International Personal Finance PLC (IPF) Stock Price Chart — Daily History & Trading Volume
The chart below tracks International Personal Finance PLC's daily closing share price and trading volume on the LSE exchange over the past year, giving a clear view of recent price momentum and liquidity.
International Personal Finance PLC Income Statement — Revenue, Profit & Earnings by Year
International Personal Finance PLC's annual income statement shows how revenue converts into profit each fiscal year, including gross profit, operating income, EBITDA, and net income.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Revenue | GBX737.50 Million | GBX655.90 Million | GBX767.80 Million | GBX645.50 Million | GBX548.70 Million |
| Cost of Revenue | GBX28.80 Million | GBX71.70 Million | GBX169.40 Million | GBX106.70 Million | GBX56.20 Million |
| Gross Profit | GBX708.70 Million | GBX655.90 Million | GBX598.40 Million | GBX538.80 Million | GBX438.50 Million |
| Research & Development | — | — | GBX0.11 | GBX0.12 | GBX0.12 |
| SG&A | GBX312.90 Million | GBX308.10 Million | GBX308.90 Million | GBX271.80 Million | GBX259.40 Million |
| Total Operating Expenses | GBX548.80 Million | GBX443.20 Million | GBX308.90 Million | GBX271.80 Million | GBX259.40 Million |
| Operating Income | GBX159.90 Million | GBX212.70 Million | GBX289.50 Million | GBX145.50 Million | GBX122.10 Million |
| EBITDA | GBX187.40 Million | — | GBX190.10 Million | GBX172.70 Million | GBX150.80 Million |
| EBIT | GBX158.60 Million | GBX212.70 Million | GBX160.80 Million | GBX145.40 Million | GBX122.10 Million |
| Interest Expense | GBX73.30 Million | GBX71.70 Million | GBX76.90 Million | GBX68.10 Million | GBX54.00 Million |
| Income Before Tax | GBX85.30 Million | GBX73.30 Million | GBX83.90 Million | GBX77.40 Million | GBX67.70 Million |
| Income Tax Expense | GBX31.10 Million | GBX12.40 Million | GBX35.90 Million | GBX20.60 Million | GBX25.80 Million |
| Net Income | GBX54.20 Million | GBX60.90 Million | GBX48.00 Million | GBX56.80 Million | GBX41.90 Million |
International Personal Finance PLC Balance Sheet — Assets, Liabilities & Shareholder Equity
The balance sheet below summarizes International Personal Finance PLC's financial position at each fiscal year-end — what it owns (assets), what it owes (liabilities), and the resulting shareholder equity.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Assets | GBX1.34 Billion | GBX1.14 Billion | GBX1.19 Billion | GBX1.17 Billion | GBX999.30 Million |
| Total Current Assets | GBX1.11 Billion | GBX913.70 Million | GBX754.30 Million | GBX58.10 Million | GBX55.70 Million |
| Cash & Equivalents | — | — | — | — | — |
| Short-term Investments | — | — | — | — | — |
| Net Receivables | GBX2.90 Million | GBX13.60 Million | GBX689.60 Million | GBX16.20 Million | GBX6.80 Million |
| Inventory | — | — | GBX1.00 | GBX1.00 | GBX1.00 |
| Property, Plant & Equipment | — | — | — | GBX36.60 Million | GBX31.50 Million |
| Goodwill | GBX23.80 Million | GBX22.60 Million | GBX23.60 Million | GBX24.20 Million | GBX22.90 Million |
| Total Liabilities | GBX791.30 Million | GBX675.40 Million | GBX687.10 Million | GBX725.90 Million | GBX632.20 Million |
| Total Current Liabilities | GBX67.30 Million | GBX14.40 Million | GBX214.10 Million | GBX15.50 Million | GBX112.80 Million |
| Long-term Debt | — | — | — | — | — |
| Net Debt | GBX624.10 Million | GBX-27.60 Million | GBX492.90 Million | GBX519.50 Million | GBX448.60 Million |
| Total Stockholder Equity | GBX546.00 Million | GBX466.30 Million | GBX501.90 Million | GBX445.20 Million | GBX367.10 Million |
| Retained Earnings | GBX536.60 Million | GBX513.40 Million | GBX503.20 Million | GBX476.00 Million | GBX441.50 Million |
International Personal Finance PLC Cash Flow Statement — Operating, Investing & Financing Activities
This cash flow statement breaks down how International Personal Finance PLC generates and spends cash across operating, investing, and financing activities each fiscal year, including free cash flow and capital expenditures.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Cash Flow | GBX-4.50 Million | GBX24.80 Million | GBX85.80 Million | GBX-900.00K | GBX-24.80 Million |
| Capital Expenditures | GBX7.40 Million | GBX24.20 Million | GBX22.60 Million | GBX23.80 Million | GBX15.40 Million |
| Free Cash Flow | GBX-11.90 Million | GBX600.00K | GBX63.20 Million | GBX-24.70 Million | GBX-40.20 Million |
| Investing Cash Flow | GBX-35.20 Million | GBX-24.10 Million | GBX-22.60 Million | GBX-23.50 Million | GBX-15.20 Million |
| Financing Cash Flow | GBX40.70 Million | GBX-12.60 Million | GBX-72.70 Million | GBX27.20 Million | GBX-32.20 Million |
| Dividends Paid | GBX25.80 Million | GBX23.90 Million | GBX21.50 Million | GBX18.90 Million | GBX4.90 Million |
| Stock-Based Compensation | GBX2.10 Million | GBX1.70 Million | GBX2.70 Million | GBX2.20 Million | GBX-200.00K |
| Depreciation | GBX28.80 Million | GBX29.30 Million | GBX29.30 Million | GBX27.30 Million | GBX28.70 Million |
| Change in Cash | GBX2.80 Million | GBX-14.90 Million | GBX-8.20 Million | GBX9.00 Million | GBX-74.60 Million |
International Personal Finance PLC Earnings History — EPS Actual vs. Analyst Estimates
Track International Personal Finance PLC's quarterly earnings per share (EPS) against Wall Street estimates, along with the earnings surprise percentage for each reporting period.
| Report Date | EPS Actual | EPS Estimate | Surprise |
|---|---|---|---|
| Jul 29, 2026 | — | — | — |
| Feb 25, 2026 | — | 0.13 | — |
| Jul 30, 2025 | 0.14 | 0.12 | +12.50% |
| May 02, 2025 | — | — | — |
| Mar 20, 2025 | 0.18 | 0.10 | +80.00% |
| Jul 31, 2024 | 0.00 | 10.00 | -100.00% |
| May 02, 2024 | 0.00 | 0.00 | — |
| Mar 14, 2024 | 0.00 | 9.00 | -100.00% |