RevenueNet IncomeP/EP/SEBITDividendStocksMarket capitalizationDebtLiabilitiesEquityAAQSEmployeesROEROAROCE
International Personal Finance - Stock

International Personal Finance Net Income 2024

International Personal Finance Net Income

42.17 M GBP

Ticker

IPF.L

ISIN

GB00B1YKG049

WKN

A0MV91

In 2024, International Personal Finance's profit amounted to 42.17 M GBP, a -12.15% increase from the 48 M GBP profit recorded in the previous year.

The International Personal Finance Net Income history

YEARNET INCOME (undefined GBP)
2026e68.7
2025e56.64
2024e42.17
202348
202256.8
202141.9
2020-64.2
201971.8
201875.4
201736.6
201666.9
201562.5
201471.8
201395.6
201274.1
201176.5
201059.2
200932.8
200850.6
200732.5
200625.4
200531.8
200424.7

International Personal Finance Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
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Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into International Personal Finance, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by International Personal Finance from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects International Personal Finance’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of International Personal Finance. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into International Personal Finance’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing International Personal Finance’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on International Personal Finance’s growth potential.

International Personal Finance Revenue, EBIT and net profit per share

DateInternational Personal Finance RevenueInternational Personal Finance EBITInternational Personal Finance Net Income
2026e911.68 M undefined224.03 M undefined68.7 M undefined
2025e833.61 M undefined199 M undefined56.64 M undefined
2024e764.05 M undefined166.65 M undefined42.17 M undefined
2023767.8 M undefined86 M undefined48 M undefined
2022645.5 M undefined79 M undefined56.8 M undefined
2021548.7 M undefined69.1 M undefined41.9 M undefined
2020661.3 M undefined-49.1 M undefined-64.2 M undefined
2019889.1 M undefined114 M undefined71.8 M undefined
2018866.4 M undefined109.3 M undefined75.4 M undefined
2017825.8 M undefined105.6 M undefined36.6 M undefined
2016756.8 M undefined96 M undefined66.9 M undefined
2015735.4 M undefined305 M undefined62.5 M undefined
2014783.2 M undefined100.2 M undefined71.8 M undefined
2013746.8 M undefined316.7 M undefined95.6 M undefined
2012651.7 M undefined271.3 M undefined74.1 M undefined
2011649.5 M undefined268.2 M undefined76.5 M undefined
2010608.7 M undefined260.2 M undefined59.2 M undefined
2009550.2 M undefined226 M undefined32.8 M undefined
2008557.1 M undefined197.4 M undefined50.6 M undefined
2007409.8 M undefined132.8 M undefined32.5 M undefined
2006365.3 M undefined30.9 M undefined25.4 M undefined
2005358.6 M undefined39.5 M undefined31.8 M undefined
2004271.2 M undefined32.8 M undefined24.7 M undefined

International Personal Finance stock margins

The International Personal Finance margin analysis displays the gross margin, EBIT margin, as well as the profit margin of International Personal Finance. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for International Personal Finance.

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Gross margin
EBIT margin
Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the International Personal Finance's sales revenue. A higher gross margin percentage indicates that the International Personal Finance retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the International Personal Finance's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the International Personal Finance's total revenue generated. When comparing the revenue margin year over year, investors can gauge the International Personal Finance's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the International Personal Finance. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the International Personal Finance's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

International Personal Finance Margin History

International Personal Finance Gross marginInternational Personal Finance Profit marginInternational Personal Finance EBIT marginInternational Personal Finance Profit margin
2026e90.26 %24.57 %7.54 %
2025e90.26 %23.87 %6.79 %
2024e90.26 %21.81 %5.52 %
202390.26 %11.2 %6.25 %
202289.7 %12.24 %8.8 %
202190.41 %12.59 %7.64 %
202091.65 %-7.42 %-9.71 %
201992.86 %12.82 %8.08 %
201893.25 %12.62 %8.7 %
201793.32 %12.79 %4.43 %
201693.82 %12.68 %8.84 %
201594.34 %41.47 %8.5 %
201494.22 %12.79 %9.17 %
201393.44 %42.41 %12.8 %
201293.62 %41.63 %11.37 %
201193.39 %41.29 %11.78 %
201094.43 %42.75 %9.73 %
200994.38 %41.08 %5.96 %
200894.7 %35.43 %9.08 %
200794.56 %32.41 %7.93 %
200692.03 %8.46 %6.95 %
200592.81 %11.02 %8.87 %
200492.07 %12.09 %9.11 %

International Personal Finance Aktienanalyse

What does International Personal Finance do?

International Personal Finance PLC is a global company in the consumer credit sector. The company was founded in 1997 and is headquartered in Leeds, United Kingdom. International Personal Finance is listed on the London Stock Exchange and has branches in Europe and Latin America. The business model of International Personal Finance aims to provide small consumer loans to people who do not have access to traditional banking services. The company offers direct personal loans without the need for an application. The borrower receives the money in cash and can repay it within weeks or months. International Personal Finance is divided into various business areas, including Europe and Latin America. In Europe, the company operates under the name Provident Personal Credit and provides services in Poland, Spain, Romania, and the United Kingdom. In Latin America, the company operates under the name IPF Digital and offers services in Mexico, Argentina, and Brazil. The range of products offered by International Personal Finance is diverse and includes various types of consumer loans such as the Home Credit product and Satsuma loans. Home Credit is a product offered to customers directly by an agent on-site, while Satsuma is an online loan that can be applied for quickly and easily. The company also offers online credit cards, available under the brands IPF Digital Gold and IPF Digital Classic. The company places particular emphasis on responsible lending and has developed a unique scorecard system that ensures that loans are only granted to customers who are able to repay them. Additionally, the company works closely with local regulatory authorities to ensure that its business practices comply with local laws and regulations. International Personal Finance has delivered solid financial performance in recent years and has experienced steady growth. In 2019, the company's revenue was £871 million, while net profit was £127 million. Overall, International Personal Finance has established itself as one of the leading companies in the consumer credit sector. The company has a robust performance and a strong business model based on responsible lending. With its wide range of products and services, International Personal Finance contributes to meeting the needs of consumers worldwide. International Personal Finance ist eines der beliebtesten Unternehmen auf Eulerpool.com.

Net Income Details

Understanding International Personal Finance's Profit Margins

The profit margins of International Personal Finance represent the net income earned after deducting all operational expenses, costs, and taxes from the revenue. This figure is a clear indicator of International Personal Finance's financial health, operational efficiency, and profitability. Higher profit margins signify better cost management and income generation capabilities.

Year-to-Year Comparison

Evaluating International Personal Finance's profit on a yearly basis can offer significant insights into its financial growth, stability, and trends. A consistent increase in profit suggests improved operational efficiency, cost management, or increased revenue, while a decrease may indicate rising costs, declining sales, or operational challenges.

Impact on Investments

International Personal Finance's profit figures are critical for investors who are aiming to understand the company's financial standing and future growth prospects. Increased profits often lead to higher stock valuations, boosting investor confidence and attracting more investments.

Interpreting Profit Fluctuations

When International Personal Finance’s profit increases, it often indicates enhanced operational efficiency or increased sales. In contrast, a decline in profit can signal operational inefficiencies, increased costs, or competitive pressures, necessitating strategic interventions to boost profitability.

Frequently Asked Questions about International Personal Finance Stock

How much profit has International Personal Finance made this year?

International Personal Finance has made 42.17 M GBP this year.

How has the profit developed compared to last year?

The profit has increased by -12.15% compared to last year fallen

What impact do the earnings have on the shareholders?

An increase in earnings is usually seen as a positive indicator for shareholders as it means that the company is generating profits.

How does International Personal Finance publish its earnings?

International Personal Finance publishes its earnings in the form of quarterly or annual reports.

Which financial indicators are included in the quarterly or annual reports?

The quarterly or annual reports contain information about sales and profit, cash flow, balance sheet, and other fundamentals.

Why is it important for investors to know the earnings of International Personal Finance?

The profits of International Personal Finance are an important indicator of the financial health of the company and can help investors decide whether they want to invest in the company or not.

How can one learn more about the earnings of International Personal Finance?

You can learn more about the earnings of International Personal Finance by reviewing the quarterly or annual reports or following the company presentations.

How much dividend does International Personal Finance pay?

Over the past 12 months, International Personal Finance paid a dividend of 0.1 GBP . This corresponds to a dividend yield of about 7.44 %. For the coming 12 months, International Personal Finance is expected to pay a dividend of 0.1 GBP.

What is the dividend yield of International Personal Finance?

The current dividend yield of International Personal Finance is 7.44 %.

When does International Personal Finance pay dividends?

International Personal Finance pays a quarterly dividend. This is distributed in the months of October, May, September, May.

How secure is the dividend of International Personal Finance?

International Personal Finance paid dividends every year for the past 6 years.

What is the dividend of International Personal Finance?

For the upcoming 12 months, dividends amounting to 0.1 GBP are expected. This corresponds to a dividend yield of 8.12 %.

In which sector is International Personal Finance located?

International Personal Finance is assigned to the 'Finance' sector.

Wann musste ich die Aktien von International Personal Finance kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of International Personal Finance from 5/10/2024 amounting to 0.072 GBP, you needed to have the stock in your portfolio before the ex-date on 4/11/2024.

When did International Personal Finance pay the last dividend?

The last dividend was paid out on 5/10/2024.

What was the dividend of International Personal Finance in the year 2023?

In the year 2023, International Personal Finance distributed 0.085 GBP as dividends.

In which currency does International Personal Finance pay out the dividend?

The dividends of International Personal Finance are distributed in GBP.

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Andere Kennzahlen von International Personal Finance

Our stock analysis for International Personal Finance Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of International Personal Finance Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.