Business Description
International Personal Finance PLC
ISIN : GB00B1YKG049
Description
International Personal Finance PLC provides consumer loans. The company's segment is based on geographical regions: European home credit, Mexico home credit, and Digital. It generates maximum revenue from the European home credit segment. The company home credit business operates as the Provident brand and makes small, unsecured loans to customers with low or unstable incomes and little to no credit history. Its digital business provides loans and revolving credit lines that customers access online.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.08 | |||||
| Equity-to-Asset | 0.42 | |||||
| Debt-to-Equity | 1.07 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Beneish M-Score | -2.42 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 3.5 | |||||
| 3-Year FCF Growth Rate | -38.5 | |||||
| 3-Year Book Growth Rate | 12.3 | |||||
| Future 3-5Y Total Revenue Growth Rate | 8.99 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 64.38 | |||||
| 9-Day RSI | 53.2 | |||||
| 14-Day RSI | 47.88 | |||||
| 6-1 Month Momentum % | -12.84 | |||||
| 12-1 Month Momentum % | 18.64 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 9.74 | |||||
| Dividend Payout Ratio | 0.44 | |||||
| Forward Dividend Yield % | 9.74 | |||||
| 5-Year Yield-on-Cost % | 9.67 | |||||
| 3-Year Average Share Buyback Ratio | 1.5 | |||||
| Shareholder Yield % | 14.1 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 6.95 | |||||
| FCF Margin % | 9.15 | |||||
| ROE % | 10.21 | |||||
| ROA % | 4.08 | |||||
| Years of Profitability over Past 10-Year | 9 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 5 | |||||
| Forward PE Ratio | 5.61 | |||||
| PE Ratio without NRI | 4.61 | |||||
| Shiller PE Ratio | 4.27 | |||||
| Price-to-Owner-Earnings | 2.59 | |||||
| PEG Ratio | 1.32 | |||||
| PS Ratio | 0.35 | |||||
| PB Ratio | 0.45 | |||||
| Price-to-Tangible-Book | 0.54 | |||||
| Price-to-Free-Cash-Flow | 3.8 | |||||
| Price-to-Operating-Cash-Flow | 2.8 | |||||
| EV-to-Forward-EBIT | 10.71 | |||||
| EV-to-Forward-EBITDA | 4.45 | |||||
| EV-to-Revenue | 1.05 | |||||
| EV-to-Forward-Revenue | 1.21 | |||||
| EV-to-FCF | 11.39 | |||||
| Price-to-Projected-FCF | 0.31 | |||||
| Price-to-Median-PS-Value | 0.68 | |||||
| Price-to-Graham-Number | 0.34 | |||||
| FCF Yield % | 26.55 | |||||
| Forward Rate of Return (Yacktman) % | 26.94 |
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers