International Personal Finance PLC (IPF) — Working Capital to Net Assets Ratio
International Personal Finance PLC (IPF) has a Working Capital to Net Assets ratio of 191.0% as of December 2025. Working capital of GBX1.04 Billion (current assets of GBX1.11 Billion minus current liabilities of GBX67.30 Million) is measured against net assets of GBX546.00 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See IPF equity to assets ratio to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
International Personal Finance PLC Working Capital to Net Assets (2006–2025)
This chart shows how International Personal Finance PLC's Working Capital to Net Assets ratio has evolved across 20 annual periods from 2006 to 2025. As of December 2025, the ratio stands at 191.0%, reflecting working capital of GBX1.04 Billion against net assets of GBX546.00 Million GBX. Check International Personal Finance PLC (IPF) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for International Personal Finance PLC (2006–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for International Personal Finance PLC from 2006 to 2025, covering 20 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see IPF market cap overview.
| Year | WC/NA Ratio | Working Capital (GBX) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 191.0% | GBX1.04 Billion | GBX546.00 Million | GBX1.11 Billion | GBX67.30 Million | ▼ -1.9 pp |
| 2024 | 192.9% | GBX899.30 Million | GBX466.30 Million | GBX913.70 Million | GBX14.40 Million | ▲ +85.2 pp |
| 2023 | 107.6% | GBX540.20 Million | GBX501.90 Million | GBX754.30 Million | GBX214.10 Million | ▲ +98.1 pp |
| 2022 | 9.6% | GBX42.60 Million | GBX445.20 Million | GBX58.10 Million | GBX15.50 Million | ▲ +25.1 pp |
| 2021 | -15.6% | GBX-57.10 Million | GBX367.10 Million | GBX55.70 Million | GBX112.80 Million | ▼ -47.5 pp |
| 2020 | 32.0% | GBX118.50 Million | GBX370.50 Million | GBX126.20 Million | GBX7.70 Million | ▲ +50.8 pp |
| 2019 | -18.9% | GBX-82.30 Million | GBX436.40 Million | GBX41.60 Million | GBX123.90 Million | ▲ +0.1 pp |
| 2018 | -19.0% | GBX-82.20 Million | GBX433.00 Million | GBX65.50 Million | GBX147.70 Million | ▼ -23.6 pp |
| 2017 | 4.6% | GBX23.10 Million | GBX496.90 Million | GBX37.70 Million | GBX14.60 Million | ▼ -5.1 pp |
| 2016 | 9.8% | GBX41.90 Million | GBX429.50 Million | GBX53.30 Million | GBX11.40 Million | ▼ -2.0 pp |
| 2015 | 11.7% | GBX38.40 Million | GBX327.20 Million | GBX46.20 Million | GBX7.80 Million | ▼ -6.0 pp |
| 2014 | 17.7% | GBX64.10 Million | GBX361.60 Million | GBX71.80 Million | GBX7.70 Million | ▲ +11.9 pp |
| 2013 | 5.8% | GBX22.80 Million | GBX393.90 Million | GBX27.40 Million | GBX4.60 Million | ▼ -0.2 pp |
| 2012 | 6.0% | GBX22.40 Million | GBX375.80 Million | GBX27.40 Million | GBX5.00 Million | ▼ -152.0 pp |
| 2011 | 157.9% | GBX517.50 Million | GBX327.70 Million | GBX607.40 Million | GBX89.90 Million | ▼ -5.9 pp |
| 2010 | 163.8% | GBX506.10 Million | GBX309.00 Million | GBX611.70 Million | GBX105.60 Million | ▲ +13.3 pp |
| 2009 | 150.5% | GBX390.90 Million | GBX259.80 Million | GBX573.10 Million | GBX182.20 Million | ▼ -76.0 pp |
| 2008 | 226.4% | GBX586.00 Million | GBX258.80 Million | GBX657.50 Million | GBX71.50 Million | ▼ -7.7 pp |
| 2007 | 234.1% | GBX476.60 Million | GBX203.60 Million | GBX541.70 Million | GBX65.10 Million | ▲ +0.1 pp |
| 2006 | 233.9% | GBX191.60 Million | GBX81.90 Million | GBX460.90 Million | GBX269.30 Million | — |