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International Personal Finance (International Personal Finance) Shiller PE Ratio : 5.00 (As of May. 13, 2024)


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What is International Personal Finance Shiller PE Ratio?

As of today (2024-05-13), International Personal Finance's current share price is $0.65. International Personal Finance's E10 for the fiscal year that ended in Dec23 was $0.13. International Personal Finance's Shiller PE Ratio for today is 5.00.

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

IPFPF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 1.16   Med: 5.18   Max: 14.1
Current: 4.68

During the past 13 years, International Personal Finance's highest Shiller PE Ratio was 14.10. The lowest was 1.16. And the median was 5.18.

IPFPF's Shiller PE Ratio is ranked better than
89.77% of 303 companies
in the Credit Services industry
Industry Median: 14.56 vs IPFPF: 4.68

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

International Personal Finance's adjusted earnings per share data of for the fiscal year that ended in Dec23 was $0.256. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $0.13 for the trailing ten years ended in Dec23.

Shiller PE for Stocks: The True Measure of Stock Valuation


International Personal Finance Shiller PE Ratio Historical Data

The historical data trend for International Personal Finance's Shiller PE 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 Shiller PE Ratio Chart

International Personal Finance Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.26 3.24 5.24 2.85 5.04

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
Shiller PE 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 5.24 - 2.85 - 5.04

Competitive Comparison of International Personal Finance's Shiller PE Ratio

For the Credit Services subindustry, International Personal Finance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio Distribution in the Credit Services Industry

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

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



International Personal Finance Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

International Personal Finance's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=0.65/0.13
=5.00

* 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.

International Personal Finance's E10 for the fiscal year that ended in Dec23 is calculated as:

For example, International Personal Finance's adjusted earnings per share data for the fiscal year that ended in Dec23 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec23 (Change)*Current CPI (Dec23)
=0.256/130.0000*130.0000
=0.256

Current CPI (Dec23) = 130.0000.

International Personal Finance Annual Data

Earnings per Share (Diluted) CPI Adj_EPS
201412 0.460 99.900 0.599
201512 0.398 100.400 0.515
201612 0.367 102.200 0.467
201712 0.212 105.000 0.262
201812 0.408 107.100 0.495
201912 0.397 108.500 0.476
202012 -0.388 109.400 -0.461
202112 0.237 114.700 0.269
202212 0.296 125.300 0.307
202312 0.256 130.000 0.256

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


International Personal Finance  (OTCPK:IPFPF) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


International Personal Finance Shiller PE Ratio Related Terms

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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.