International Personal Finance plc
International Personal Finance plc Fundamental Analysis
International Personal Finance plc (IPFPF) shows moderate financial fundamentals with a PE ratio of 8.68, profit margin of 7.35%, and ROE of 10.35%. The company generates $0.7B in annual revenue with weak year-over-year growth of -14.57%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 19.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze IPFPF's fundamental strength across five key dimensions:
Efficiency Score
WeakIPFPF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentIPFPF trades at attractive valuation levels.
Growth Score
ModerateIPFPF shows steady but slowing expansion.
Financial Health Score
ModerateIPFPF shows balanced financial health with some risks.
Profitability Score
WeakIPFPF struggles to sustain strong margins.
Key Financial Metrics
Is IPFPF Expensive or Cheap?
P/E Ratio
IPFPF trades at 8.68 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, IPFPF's PEG of -0.42 indicates potential undervaluation.
Price to Book
The market values International Personal Finance plc at 0.86 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -0.88 times EBITDA. This is generally considered low.
How Well Does IPFPF Make Money?
Net Profit Margin
For every $100 in sales, International Personal Finance plc keeps $7.35 as profit after all expenses.
Operating Margin
Core operations generate 30.50 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.35 in profit for every $100 of shareholder equity.
ROA
International Personal Finance plc generates $4.05 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
International Personal Finance plc generates limited operating cash flow of $-4.49M, signaling weaker underlying cash strength.
Free Cash Flow
International Personal Finance plc generates weak or negative free cash flow of $-11.86M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.05 in free cash annually.
FCF Yield
IPFPF converts -2.54% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.68
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.42
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.86
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.64
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.20
vs 25 benchmark
Current Ratio
Current assets to current liabilities
16.49
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.18
vs 25 benchmark
How IPFPF Stacks Against Its Sector Peers
| Metric | IPFPF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.68 | 18.66 | Better (Cheaper) |
| ROE | 10.35% | 804.00% | Weak |
| Net Margin | 7.35% | 2258.00% | Weak |
| Debt/Equity | 1.20 | 1.03 | Neutral |
| Current Ratio | 16.49 | 662.03 | Strong Liquidity |
| ROA | 4.05% | -24049.00% (disorted) | Weak |
IPFPF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews International Personal Finance plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-20.45%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-15.07%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-61.32%
Industry Style: Value, Dividend, Cyclical
Declining