International Personal Finance PLC
LSE:IPF
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EV/EBIT
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Valuation Scenarios
If EV/EBIT returns to its 3-Year Average (8.4), the stock would be worth GBX171.28 (31% downside from current price).
| Scenario | EV/EBIT Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 12.2 | GBX247 |
0%
|
| 3-Year Average | 8.4 | GBX171.28 |
-31%
|
| 5-Year Average | 8.6 | GBX174 |
-30%
|
| Industry Average | 0 | GBX0.57 |
-100%
|
| Country Average | 0 | GBX0.59 |
-100%
|
Forward EV/EBIT
Today’s price vs future ebit
| Today's Enterprise Value | EBIT | Forward EV/EBIT | ||
|---|---|---|---|---|
|
GBX1.1B
|
/ |
Jan 2026
£89.2m
|
= |
|
|
GBX1.1B
|
/ |
Dec 2026
£187.3m
|
= |
|
|
GBX1.1B
|
/ |
Dec 2027
£213.4m
|
= |
|
Forward EV/EBIT shows whether today’s EV/EBIT still looks high or low once future ebit are taken into account.
Peer Comparison
| Market Cap | EV/EBIT | P/E | ||||
|---|---|---|---|---|---|---|
| UK |
|
International Personal Finance PLC
LSE:IPF
|
543m GBP | 12.2 | 10 | |
| US |
|
American Express Co
NYSE:AXP
|
227.5B USD | 28.4 | 21.3 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
129.1B USD | 0 | 59.4 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.6T INR | 25.8 | 31.1 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 0 | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
27.2B USD | 0 | 7.8 | |
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
2.4T INR | 27.2 | 21.3 | |
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
24.7B USD | 0 | 51.3 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
16.1B USD | 0 | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1.4T INR | 21.8 | 16.4 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.4T INR | 12.6 | 32.2 |
Market Distribution
| Min | 0 |
| 30th Percentile | 0 |
| Median | 0 |
| 70th Percentile | 0.1 |
| Max | 1 015 |
Other Multiples
International Personal Finance PLC
Glance View
International Personal Finance Plc provides home credit and the human face of finance. The company is headquartered in Leeds, West Yorkshire and currently employs 5,842 full-time employees. The company went IPO on 2007-10-08. The firm owns and operates a home credit business and a financial technology operator, IPF Digital. The Company’s home credit products and features include Home credit cash loans with agent service, money transfer loans direct to bank account, micro-business loans, home, medical and life insurances, provident-branded digital loans and weekly and monthly repayments. The Company’s digital business products and features include revolving credit line products, mobile wallet, instalment loans with terms up to three years, monthly repayments, and fast online application and credit decision.
