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International Personal Finance plc (IPFPF) fair value: what the stock is really worth
As of Aug 3, 2026: fair value of International Personal Finance plc $4.11, price $2.83, upside +45.2%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
International Personal Finance plc
IPFPF · USSpeculativeUpside exists, but weak quality makes the signal speculative.
✓Fair value $4.11 · Undervalued (+45.2%)
!Quality 39/100
!Expensive Growth (revenue 5y +2.2 %/yr)
!Thin margins · 7.4% net margin (TTM)
!Moderate debt · negative free cash flow
!4.5% dividend yield · Watch coverage
!Moderate moat 51/100
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.2972 – $2.83 · fair‑value band $2.21 – $5.28 · the $2.83 price screens below the $4.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
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.
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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 Provident, and Creditea digital brands. The company was founded in 1997 and is headquartered in Leeds, the United Kingdom.
Stock analysis
International Personal Finance plc (IPFPF) currently trades at $2.83, while our model-based Fair Value estimate is $4.11, implying the stock looks roughly 31.1% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $5.95 per share, and 5 of the 8 models we run sit above the $2.83 price.
Bear case: the Dividend Discount group reads lowest at $1.60, and 3 of the 8 models stay below the price. Evidence for this calculation is high.
Scenario range: $2.21 (bear) to $5.28 (bull), the price of $2.83 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
International Personal Finance plc reported revenue of £737M in FY2025 versus £549M in FY2021, a compound +7.7%/yr. Reported net income was £54.2M in FY2025, compounding +6.6%/yr from FY2021.
Key figures
Market cap $877M · P/E ratio 6.9 · P/S ratio 0.51 · EPS (TTM) $0.4100 · Dividend yield 4.5% · Net margin 7.3% · Return on equity 10.7% · Return on assets (EBIT) 20.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 6% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 45%, IPFPF screens cheaper than that median.
Fair Value models
Bear $2.21
Fair Value $4.11
Bull $5.28
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.2132 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Owner Earnings
$3.77
$5.95
$8.63
76
Residual Income
$2.72
$2.95
$3.34
76
Gordon GGM
$1.19
$1.65
$2.08
69
All 8 models by family
DCF Models
Owner Earnings
$3.77
$5.95
$8.63
76
Earnings-Based
Graham-Dodd
$2.20
$4.54
$5.73
66
Dividend Discount
Gordon GGM
$1.19
$1.65
$2.08
69
DDM Multi-Stage
$1.19
$1.60
$2.02
67
Multiples
P/E Multiple
$3.15
$4.20
$5.25
63
P/B Multiple
$3.42
$4.56
$5.69
55
Asset-Based
NCAV (Graham)
$1.63
$2.18
$3.25
54
Economic Profit
Residual Income
$2.72
$2.95
$3.34
76
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Set up alert →Quality Score breakdown
Overall quality
39/100
Of which business quality 34 · Market factors (momentum, volatility) 69
Profitability
50
Margins and returns on capital today
Quality Growth
49
Are margins and returns improving?
Cashflow
12
Earnings quality: real cash, not paper profit
Fin. Strength
29
Balance sheet, leverage, solvency risk
Investment
81
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
64
Price trend over the last 3–12 months (market factor)
52W Momentum
100
Distance to the 52-week high (market factor)
Net Issuance
0
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
30/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+12.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.2%
Start year 2020 (pandemic). Over 10 years: +0.6% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−1.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.2%
Dividend (yield on the price)4.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−6.2% vs −5.1%, steady
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 22%
Start year 2020 (pandemic)
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Credit Services median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.33 | $221.29 | −38% |
| Mastercard Incorporated MA | $551.47 | $359.54 | −35% |
| American Express Company AXP | $304.10 | $208.54 | −31% |
| Capital One Financial Corporation COF | $193.07 | $125.94 | −35% |
| Bajaj Finance Limited BAJFINANCE | ₹948.30 | ₹1,100 | +16% |
| PayPal Holdings PYPL | $53.06 | $104.12 | +96% |
| Shriram Finance Limited SHRIRAMFIN | ₹994.10 | ₹1,364 | +37% |
| Affirm Holdings AFRM | $67.21 | $73.93 | +10% |
| Synchrony Financial, SYF | $71.52 | $141.92 | +98% |
| SoFi Technologies, Inc SOFI | $15.72 | $5.53 | −65% |
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Frequently asked questions
Is International Personal Finance plc (IPFPF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $4.11 versus the last price from Aug 3, 2026 of $2.83, about +45% upside (undervalued).
What is the fair value of IPFPF?
Our model-based fair value for International Personal Finance plc is $4.11 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 3, 2026): $2.83.
What is the quality score of IPFPF?
International Personal Finance plc has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for International Personal Finance plc (IPFPF)?
Our model-based price target is the fair value of $4.11 (as of Sep 24, 2026) from 8 valuation models. Cautious scenario $2.21, optimistic scenario $5.28. It is a calculation from audited fundamentals, not an analyst target.
What is the International Personal Finance plc stock forecast for 2026?
Our models put fair value at $4.11, about +45% upside versus the last price from Aug 3, 2026 of $2.83 (undervalued). Cautious scenario $2.21, optimistic scenario $5.28. The calculation is refreshed regularly with new filings.
What is the revenue of International Personal Finance plc (IPFPF)?
International Personal Finance plc reported trailing-twelve-month revenue of about £738M (latest available figure, as of Sep 24, 2026).
Does International Personal Finance plc pay a dividend?
International Personal Finance plc currently shows a dividend yield of about 4.52% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of International Personal Finance plc (IPFPF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For International Personal Finance plc it is $4.11 per share (as of Sep 24, 2026), against a price of $2.83. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is International Personal Finance plc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, IPFPF trades below its calculated fair value: price $2.83, fair value $4.11, a gap of about +45% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IPFPF?
No. The price is what the market pays today ($2.83); the fair value is what the company's own numbers justify ($4.11). For International Personal Finance plc the two are $1.28 per share apart. That gap is exactly why we show both numbers side by side.
How much is International Personal Finance plc worth?
The market values International Personal Finance plc at about $877M (market capitalisation, as of Sep 24, 2026). Per share that is $2.83; our models calculate a fair value of $4.11 per share.
What do the bullish and bearish scenarios say about IPFPF?
Our models span a range for International Personal Finance plc: cautious scenario $2.21, base $4.11, optimistic $5.28 per share (as of Sep 24, 2026, price $2.83). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IPFPF?
International Personal Finance plc trades at a price-to-earnings ratio of 6.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.11 is built from several models across several years. Other multiples: P/B 1.2, P/S 0.9, EV/EBITDA 7.0.
How solid is the balance sheet of International Personal Finance plc (IPFPF)?
Balance-sheet figures for International Personal Finance plc (as of Sep 24, 2026): return on equity 10.7%, debt of 1.03 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is IPFPF from its 52-week high?
International Personal Finance plc trades at $2.83, at its 52-week high of $2.83 and 6% above the low of $2.66 (as of Aug 3, 2026). Distance from the high says nothing about value: that is what the fair value of $4.11 is for.
Which stocks are comparable to International Personal Finance plc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is International Personal Finance plc stock attractive at the current price?
The data as of Sep 24, 2026: price $2.83, calculated fair value $4.11 (+45%), Quality Score 39/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IPFPF calculated?
We run International Personal Finance plc through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.11, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. International Personal Finance plc currently trades 31 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of International Personal Finance plc (IPFPF)?
The latest price we hold is from Aug 3, 2026 and stands at $2.83. Our model-based fair value is $4.11, about +45% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with International Personal Finance plc right now?
The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain. A fairly wide model range ($2.21 to $5.28) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of International Personal Finance plc (IPFPF) come from?
Earnings per share at International Personal Finance plc grew −3.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share −1.0 %, EBIT margin +4.9 %, tax rate −0.2 %, residual (interest, one-offs) −6.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of International Personal Finance plc
How large is the market capitalisation of International Personal Finance plc (IPFPF)?
The market capitalisation of International Personal Finance plc is $877M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of International Personal Finance plc (IPFPF)?
The price-to-sales ratio of International Personal Finance plc is 0.51 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of International Personal Finance plc (IPFPF)?
Earnings per share at International Personal Finance plc are $0.4100 (price ÷ EPS = P/E 6.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of International Personal Finance plc (IPFPF)?
The dividend yield of International Personal Finance plc is 4.5% (payout 31.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of International Personal Finance plc (IPFPF)?
The net margin of International Personal Finance plc is 7.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of International Personal Finance plc (IPFPF)?
The return on equity (ROE) of International Personal Finance plc is 10.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of International Personal Finance plc (IPFPF)?
On an EBIT basis the return on assets of International Personal Finance plc is 20.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of International Personal Finance plc (IPFPF)?
The operating margin of International Personal Finance plc is 19.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at International Personal Finance plc (IPFPF)?
Revenue at International Personal Finance plc is growing +9.9% versus a year earlier (3y avg +4.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at International Personal Finance plc (IPFPF)?
Earnings per share at International Personal Finance plc are growing −43.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does International Personal Finance plc (IPFPF) generate?
The free cash flow of International Personal Finance plc is −£11.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does International Personal Finance plc (IPFPF) carry?
The net debt of International Personal Finance plc is £624M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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