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International Personal Finance (International Personal Finance) PB Ratio : 0.23 (As of May. 13, 2024)


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What is International Personal Finance PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-05-13), International Personal Finance's share price is $0.65. International Personal Finance's Book Value per Share for the quarter that ended in Dec. 2023 was $2.84. Hence, International Personal Finance's PB Ratio of today is 0.23.

Good Sign:

International Personal Finance PLC stock PB Ratio (=0.49) is close to 1-year low of 0.45

The historical rank and industry rank for International Personal Finance's PB Ratio or its related term are showing as below:

IPFPF' s PB Ratio Range Over the Past 10 Years
Min: 0.19   Med: 0.91   Max: 4.43
Current: 0.49

During the past 13 years, International Personal Finance's highest PB Ratio was 4.43. The lowest was 0.19. And the median was 0.91.

IPFPF's PB Ratio is ranked better than
81.17% of 515 companies
in the Credit Services industry
Industry Median: 1.04 vs IPFPF: 0.49

During the past 12 months, International Personal Finance's average Book Value Per Share Growth Rate was 12.10% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 12.30% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 3.50% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 2.40% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of International Personal Finance was 47.00% per year. The lowest was -10.80% per year. And the median was 8.20% per year.

Back to Basics: PB Ratio


International Personal Finance PB Ratio Historical Data

The historical data trend for International Personal Finance's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

International Personal Finance PB Ratio Chart

International Personal Finance Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.92 0.94 0.80 0.25 0.23

International Personal Finance Semi-Annual Data
Jun14 Dec14 Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.80 0.69 0.25 0.25 0.23

Competitive Comparison of International Personal Finance's PB Ratio

For the Credit Services subindustry, International Personal Finance's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


International Personal Finance's PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, International Personal Finance's PB Ratio distribution charts can be found below:

* The bar in red indicates where International Personal Finance's PB Ratio falls into.



International Personal Finance PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

International Personal Finance's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=0.65/2.836
=0.23

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


International Personal Finance  (OTCPK:IPFPF) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


International Personal Finance PB Ratio Related Terms

Thank you for viewing the detailed overview of International Personal Finance's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


International Personal Finance (International Personal Finance) Business Description

Traded in Other Exchanges
Address
26 Whitehall Road, Leeds, West Yorkshire, GBR, LS12 1BE
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.