International Personal Finance PLC (IPF)

Industry Credit Services

This stock can be held in an Investment ISA, SIPP and Investment Account

Sell

207.00p

Buy

207.50p

arrow-down-3.00p (-1.43%)

Prices updated at 12 Dec 2025, 16:35 GMT

Prices minimum 15 mins delay

Prices in GBX

International Personal Finance PLC provides home credit to customers under provident brand. The company primarily provides home credit and digital credit.

FTSE All-Share

-0.48%

LSE

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Our Investment Fees and Charges.

Income statement

Year chevron-l-regular chevron-r-regular	2023	2024
	691m	656m
	-	-
	-	-
	-	-
	48m	61m
	-	-
Sales, General and administrative	309m	308m
Interest expenses	77m	72m
Provision for income taxes	36m	12m
Operating expenses	438m	443m
Income before taxes	84m	73m
Net income available to common shareholders	48m	61m
	0.215	0.273
Net interest income	691m	656m
Advertising and promotion	-	-
Net investment income, net	-	-
Realised capital gains (losses), net	-	-
Total benefits, claims and expenses	-	-
Earnings per share (diluted)	0.202	0.259
Free cash flow per share	0.0771	0.2159
Book value/share	2.0662	2.2151
Debt equity ratio	1.066746	1.149046

Balance sheet

Year chevron-l-regular chevron-r-regular	2023	2024
Current assets	-	-
Current liabilities	-	-
Total capital	1,014m	982m
Total debt	535m	536m
Total equity	502m	466m
Total non current liabilities	-	-
Loans	-	-
Total assets	1,189m	1,142m
Total liabilities	-	-
Cash and cash equivalents	43m	28m
Common stock	224m	217m

Cash flow

Year chevron-l-regular chevron-r-regular	2023	2024
Cash at beginning of period	51m	43m
Cash dividends paid	-21m	-24m
	63m	600,000
Investments (gains) losses	-23m	-24m
	43m	28m
Net income	-	-
	86m	25m
	-23m	-24m

The figures shown in the tables are quoted in the currency of the stock selected.

Please note that past performance is not a reliable indicator of future returns. Please use the interactive graph for benchmark comparison.

Important Information

Investment values, and income from investments, can go down as well as up, so you may get back less than you invest. This is not a personal recommendation for a specific investment. If you're not sure which investments are suitable for you, consult Fidelity's advisers or another authorised financial adviser. The information contained herein: is proprietary to Morningstar and/or its content providers; may not be copied or distributed; and is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.