International Personal Finance PLC (IPF) — Tangible Net Worth Ratio
International Personal Finance PLC (IPF) has a Tangible Net Worth Ratio of 90.3% as of December 2025. This metric is calculated by deducting intangible assets (GBX52.70 Million) from net assets (GBX546.00 Million) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See International Personal Finance PLC current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
International Personal Finance PLC Tangible Net Worth Ratio (2004–2025)
This chart shows how International Personal Finance PLC's Tangible Net Worth Ratio has changed across 25 annual periods from 2004 to 2025. As of December 2025, the ratio stands at 90.3%, reflecting net assets of GBX546.00 Million with intangible assets of GBX52.70 Million GBX. See defensive interval ratio of International Personal Finance PLC to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for International Personal Finance PLC (2004–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for International Personal Finance PLC from 2004 to 2025, covering 25 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see IPF company net worth.
| Year | Tangible NW Ratio | Net Assets (GBX) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 90.3% | GBX546.00 Million | GBX52.70 Million | GBX1.34 Billion | ▼ -1.7 pp |
| 2024 | 92.0% | GBX466.30 Million | GBX37.10 Million | GBX1.14 Billion | ▼ -1.5 pp |
| 2023 | 93.6% | GBX501.90 Million | GBX32.30 Million | GBX1.19 Billion | ▼ -0.2 pp |
| 2022 | 93.7% | GBX445.20 Million | GBX27.90 Million | GBX1.17 Billion | ▲ +0.6 pp |
| 2021 | 93.1% | GBX367.10 Million | GBX25.20 Million | GBX999.30 Million | ▲ +1.3 pp |
| 2020 | 91.8% | GBX370.50 Million | GBX30.20 Million | GBX1.02 Billion | ▲ +1.7 pp |
| 2019 | 90.1% | GBX436.40 Million | GBX43.20 Million | GBX1.32 Billion | ▼ -1.1 pp |
| 2018 | 91.2% | GBX433.00 Million | GBX38.00 Million | GBX1.32 Billion | ▼ -2.1 pp |
| 2017 | 93.3% | GBX496.90 Million | GBX33.10 Million | GBX1.34 Billion | ▲ +13.5 pp |
| 2017 | 79.8% | GBX46.57 Billion | GBX9.39 Billion | GBX710.01 Billion | ▼ -12.6 pp |
| 2016 | 92.4% | GBX429.50 Million | GBX32.60 Million | GBX1.21 Billion | ▲ +14.0 pp |
| 2016 | 78.4% | GBX41.97 Billion | GBX9.06 Billion | GBX668.73 Billion | ▼ -13.8 pp |
| 2015 | 92.2% | GBX327.20 Million | GBX25.60 Million | GBX1.02 Billion | ▲ +14.2 pp |
| 2015 | 78.0% | GBX39.76 Billion | GBX8.75 Billion | GBX654.64 Billion | ▼ -19.2 pp |
| 2014 | 97.2% | GBX361.60 Million | GBX10.10 Million | GBX962.80 Million | ▼ -2.3 pp |
| 2013 | 99.5% | GBX393.90 Million | GBX1.80 Million | GBX927.40 Million | ▲ +0.4 pp |
| 2012 | 99.1% | GBX375.80 Million | GBX3.20 Million | GBX780.50 Million | ▲ +0.2 pp |
| 2011 | 98.9% | GBX327.70 Million | GBX3.60 Million | GBX691.70 Million | ▲ +1.1 pp |
| 2010 | 97.8% | GBX309.00 Million | GBX6.80 Million | GBX702.70 Million | ▲ +2.2 pp |
| 2009 | 95.6% | GBX259.80 Million | GBX11.40 Million | GBX670.50 Million | ▲ +2.4 pp |
| 2008 | 93.2% | GBX258.80 Million | GBX17.50 Million | GBX764.90 Million | ▲ +2.4 pp |
| 2007 | 90.8% | GBX203.60 Million | GBX18.70 Million | GBX630.70 Million | ▲ +7.9 pp |
| 2006 | 82.9% | GBX81.90 Million | GBX14.00 Million | GBX520.80 Million | ▼ -13.7 pp |
| 2005 | 96.6% | GBX56.20 Million | GBX1.90 Million | GBX549.10 Million | ▼ -3.4 pp |
| 2004 | 100.0% | GBX22.00 Million | GBX0.00 | GBX451.00 Million | — |