International Personal Finance PLC
LSE:IPF
Intrinsic Value
International Personal Finance Plc provides home credit and the human face of finance. [ Read More ]
The intrinsic value of one
IPF
stock under the Base Case scenario is
525.4
GBX.
Compared to the current market price of 105.5 GBX,
International Personal Finance PLC
is
Undervalued by 80%.
IPF could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
International Personal Finance PLC's market capitalization is 236.4m GBX.
IPF stock price is 105.5 GBX.
IPF stock price (105.5 GBX) is 80% less than its Intrinsic Value (525.4 GBX).
IPF stock price (105.5 GBX) is 82% less than its Relative Value (586.85 GBX). Open Relative Valuation
IPF has upside potential of 71% compared to the average analyst price target.
Open Wall St Estimates
IPF's ROE (Return on Equity) for the past 12 months is positive and is equal to 11%.
IPF's D/E (Debt to Equity) is equal to 1.03.
IPF has positive Operating Income for the last twelve months.
IPF's Revenue is forecast to grow at a rate of 5% per year over the next 3 years.
IPF's Revenue has been growing by 5% per year for the last 3 years.
IPF's ROIC (Return on Invested Capital) for the past 12 months is very low and is equal to 5%.
IPF's Revenue has grown by 19% over the past 12 months.
IPF has positive Net Income for the last twelve months.
IPF's ROIC (Return on Invested Capital) has significantly increased in the last 3 years from -6% to 5%.
IPF has positive three-year average ROE (Return on Equity): 5%. The company is efficient at transforming stockholders' equity into net income.
IPF's Altman Z-Score is equal to 2.16.
IPF's long-term assets (1B GBP) exceed its long-term liabilties (711m GBP).
IPF has a very low three-year average ROIC (Return on Invested Capital): 2%. The company is not efficient at using invested capital to generate operating income.
IPF's ROE (Return on Equity) has significantly increased in the last 3 years from -13% to 11%.
IPF has positive Free Cash Flow for the last twelve months.
IPF has positive Gross Profit for the last twelve months.
IPF's short-term assets (739m GBP) exceed its short-term liabilties (228m GBP).
IPF has positive Net Debt. This means that the company has more debt (477m GBP) than cash and short-term investments (28m GBP).
IPF generates enough operating income (86m GBP) to cover interest payments on its debt (75m GBP).
Valuation Backtest
International Personal Finance PLC
Run backtest to discover the historical profit from buying and selling
IPF
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
International Personal Finance PLC
Balance Sheet Decomposition
International Personal Finance PLC
| Current Assets | 738.6m |
| Cash & Short-Term Investments | 28.2m |
| Receivables | 709.4m |
| Other Current Assets | 1m |
| Non-Current Assets | 434.9m |
| PP&E | 35.5m |
| Intangibles | 52.1m |
| Other Non-Current Assets | 347.3m |
| Current Liabilities | 227.9m |
| Accounts Payable | 129.5m |
| Other Current Liabilities | 98.4m |
| Non-Current Liabilities | 482.7m |
| Long-Term Debt | 476.8m |
| Other Non-Current Liabilities | 5.9m |
Earnings Waterfall
International Personal Finance PLC
|
Revenue
|
767.8m
GBP
|
|
Cost of Revenue
|
-74.8m
GBP
|
|
Gross Profit
|
693m
GBP
|
|
Operating Expenses
|
-607m
GBP
|
|
Operating Income
|
86m
GBP
|
|
Other Expenses
|
-38m
GBP
|
|
Net Income
|
48m
GBP
|
Free Cash Flow Analysis
International Personal Finance PLC
IPF Profitability Score
Profitability Due Diligence
International Personal Finance PLC's profitability score is 55/100. The higher the profitability score, the more profitable the company is.
Score
International Personal Finance PLC's profitability score is 55/100. The higher the profitability score, the more profitable the company is.
IPF Solvency Score
Solvency Due Diligence
International Personal Finance PLC's solvency score is 38/100. The higher the solvency score, the more solvent the company is.
Score
International Personal Finance PLC's solvency score is 38/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
IPF Price Targets Summary
International Personal Finance PLC
According to Wall Street analysts, the average 1-year price target for
IPF
is 180.2 GBX
with a low forecast of 161.6 GBX and a high forecast of 220.5 GBX.
Shareholder Return
IPF Price
International Personal Finance PLC
| Average Annual Return | -4.86% |
| Standard Deviation of Annual Returns | 55.24% |
| Max Drawdown | -79% |
| Market Capitalization | 236.4m GBX |
| Shares Outstanding | 223 990 962 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
International Personal Finance PLC
Country
Industry
Market Cap
Dividend Yield
Description
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.
Contact
IPO
Employees
Officers
The intrinsic value of one
IPF
stock under the Base Case scenario is
525.4
GBX.
Compared to the current market price of 105.5 GBX,
International Personal Finance PLC
is
Undervalued by 80%.
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