International Personal Finance

IPF.L

Financial - Credit Services · Financial Services

Price

250.00 GBp

+0.50 (+0.20%)

Market Cap

£555.3M

Exchange

London Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Mixed

Cash Flow

Weak

Stability

Mixed

Valuation

Strong

Dividends

Exceptional

Track this stock — start free trial

Share count falling — buybacks

−2.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 235.3M (2021) → 229.9M (2025)

Winston Score History

The full picture

International Personal Finance is a consumer lending company that gives small, short-term loans to everyday people who often cannot get credit from traditional banks. It serves working-class and lower-income customers across Europe and Latin America, offering home credit — where agents visit borrowers in person to deliver cash and collect repayments — as well as digital loans through its IPF Digital brand.

The company earns money by charging interest on the loans it issues, with repayments collected weekly or monthly. It operates in around ten countries, including Poland, Mexico, Romania, and Hungary, and its network of local agents gives it a distribution advantage that is hard for purely online lenders to replicate quickly. The main risk the business faces is credit losses rising during economic downturns, since its customers are financially vulnerable and may struggle to repay when times get tough.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+18.8% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-22.8% YoY

YoY Growth Rate

Earnings declining

R&D Spend

£0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

27.6%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Runway

~2 months

£24M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Cash watch

International Personal Finance has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

95.8%

Premium pricing power — 95.8% gross margin

Profit after running costs

Operating Margin

21.5%

Excellent — 21.5% operating margin

Return on the money invested

ROCE

12.8%

Good — 12.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth

Sales YoY

+14.3%

Fast-growing sales (+14.3% YoY)

Profit growth

EPS YoY

-31.2%

Earnings shrinking (-31.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash

Cash Conversion

-86%

Weak — only -86% of profit becomes cash

Spare cash per sale

FCF Margin

-6.1%

Burning cash (-6.1%)

Free cash flow is negative. They are burning cash, not generating it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns

Debt / Equity

1.28

Elevated debt (1.28)

Covers its interest

Interest Cover

2.06x

Tight — interest eats into profit (2.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit

P/E Ratio (TTM)

11.4x

Attractive valuation — P/E 11.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.1

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

9.60%

Healthy income — 9.60% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+139.2%

Dividend growing fast (139.2% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial