IPF - Ticker AI Digest

International Personal Finance PLC 📰 1
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International Personal Finance PLC in one cleaner mobile flow.
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IPF Data 2024-08-01 Preview Mode
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Digested News

Today's Catalysts (IPF) 1
IPF 09:32
International Personal Finance PLC
Total Voting Rights
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Launch 1
IPF 06:03
International Personal Finance PLC
Launch of £15m share buyback programme
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Reports 1
IPF 06:01
International Personal Finance PLC
Half-year Report
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
International Personal Finance Plcs half-year financial report for the six months ended June 30, 2024, highlights a strong operational and financial performance. The companys pre-exceptional profit before tax increased by 25% to £47.3 million, and it plans to increase returns to shareholders through an interim dividend of 3.4p and a share buyback program of up to £15 million. The companys strong demand for credit and excellent operational performance have resulted in a 7% year-on-year growth in customer lending, excluding Poland, and a 12% increase in receivables. The companys major refinancing has strengthened its funding position, and it expects full-year pre-exceptional profit before tax to be between £78 million and £82 million for 2024.
YearRevenueNet IncomeTotal AssetsTotal LiabilitiesTotal Debt
2024£371.7M£19.7M£1,196.8M£716.4M£553M
2023£380.0M£18.7M£1,173.5M£710.6M£523M
2022£767.8M£48.0M£1,189.0M£687.1M£511.8M
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All Market News (Last 30 Days) 3
IPF 09:32
International Personal Finance PLC
Total Voting Rights
IPF 06:03
International Personal Finance PLC
Launch of £15m share buyback programme
IPF 06:01
International Personal Finance PLC
Half-year Report
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
International Personal Finance Plcs half-year financial report for the six months ended June 30, 2024, highlights a strong operational and financial performance. The companys pre-exceptional profit before tax increased by 25% to £47.3 million, and it plans to increase returns to shareholders through an interim dividend of 3.4p and a share buyback program of up to £15 million. The companys strong demand for credit and excellent operational performance have resulted in a 7% year-on-year growth in customer lending, excluding Poland, and a 12% increase in receivables. The companys major refinancing has strengthened its funding position, and it expects full-year pre-exceptional profit before tax to be between £78 million and £82 million for 2024.
YearRevenueNet IncomeTotal AssetsTotal LiabilitiesTotal Debt
2024£371.7M£19.7M£1,196.8M£716.4M£553M
2023£380.0M£18.7M£1,173.5M£710.6M£523M
2022£767.8M£48.0M£1,189.0M£687.1M£511.8M

Today's AI

Today's AI Starts With News

1 live catalyst is opening Today’s AI for IPF.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2024-08-01 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1 Today
Front Of Desk
International Personal Finance PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
09:32 Today's Catalyst Total Voting Rights
Single-Ticker Today's AI
IPF signal theatre built from scored market catalysts, automated AI forecasts, financial forecasting and live trigger logic.

This is the ticker-specific Today’s AI desk for International Personal Finance PLC. It compresses the live catalyst tape, bullish and bearish scoring, AI price forecasts, financial forecasting and trigger logic into one cockpit so users can judge conviction without hopping across screens.

Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
550.7M
Enterprise Value
689.4M
Public Float
72.2
Broker Target
185
Shares Out
222.0M
Long Interest
88
Short Interest
12
Exchange
LSE
Currency Code
GBX
ISIN
GB00B1YKG049
Market
LSE - MAIN MARKET
Sector
Finance and Credit Services
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

1 live alert now opens the financials desk for IPF.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2024-08-01 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
1 Alerts
Front Of Desk
International Personal Finance PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
09:32 Today's Alert Total Voting Rights
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.13
Ex Divi
2026-03-26
Earnings Date
2026-02-25
Net Debt
624.1M
Cash
30.4M
EPS
0.24
Net Income
54.2M
Revenue
737.5M
Enterprise Value
689.4M
Trailing PE
10.3333
Forward PE
9.5602
Price Sales TTM
0.7467
Price Book MRQ
1.0085
EV Revenue
1.7877
EV EBITDA
-
Financial Forecastist

Improving financial engine

Revenue is accelerating +119.8% against the prior comparable period. Net margin is compressing by 5.7 pts. Net debt is building +22.8%.

Revenue +119.8% Net Income +12.6% FCF +294.7% Current Ratio 16.49x Forward Rev 0
Improving
Quarter Revenue
389.7M
+119.8%
vs prior comparable quarter
Net Margin
+6.0%
-5.7 pts
profitability pulse
Free Cash Flow
-14.8M
+294.7%
cash conversion
Net Debt / EBITDA
7.0x
+22.8%
lower is cleaner
Revenue Engine

Latest quarter printed 389.7M with the top line pushing higher against the last comparable period.

Profit Stack

Net income landed at 23.2M and the margin profile is tightening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 30.4M while net debt is 624.1M. The leverage stack is moving the wrong way.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q1 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q3 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q1 2025
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2026
Consensus
0
Revenue Path
0.26
EPS / Earnings
Growth cue +0.0%
FY 2027
Consensus
0
Revenue Path
0.31
EPS / Earnings
Growth cue +0.2%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q4 2025 389.7M 23.2M -14.8M 624.1M
Q2 2025 347.8M 31.0M 2.9M 549.1M
Q1 2025 173.9M 15.5M 1.4M 549.1M
Q4 2024 354.6M 41.2M -7.5M -27.6M
Q3 2024 177.3M 20.6M -3.8M 508.2M
Q2 2024 371.7M 19.7M 25.9M 480.0M

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 737.5M 54.2M 187.4M -11.9M
FY 2024 655.9M 60.9M - 600.0K
FY 2023 767.8M 48.0M 190.1M 63.2M
FY 2022 645.5M 56.8M 172.7M -24.7M
FY 2021 548.7M 41.9M 150.8M -40.2M

Structure DNA

Market Structure DNA

Yield Compounder profile with trend runway open

Price is 98.9% through the 52-week range, +0.6% vs 50DMA and +12.4% vs 200DMA. 100.0% of the register is locked by institutions and insiders, leaving 0.0% free float. Capital rhythm reads semi-annual with forward yield near 5.2% and payout around 94.8%.

Trend runway open Institutional gravity Reliable income rhythm As Of 2026-04-19
Yield Compounder
Structure Score
80.2 / 100
Yield Compounder
Trend Stack
+0.6% / +12.4%
vs 50DMA / 200DMA
52W Position
98.9%
auction position inside the yearly range
Ownership Lock
100.0%
100.2% institutions | 12.1% insiders
Pressure Pocket
0.0% free float
Vendor short-float fields were not supplied
Capital Rhythm
Semi-Annual
Yield 5.2% | payout 94.8%
Trend Runway

Implied spot is 247.00 with the stock +0.6% vs 50DMA and +12.4% vs 200DMA. The tape is sitting 98.9% through the 52-week range, which frames the regime as trend runway open.

Ownership Register

Institutions hold about 100.2% and insiders about 12.1%, locking roughly 100.0% of the register and leaving 0.0% in free float. That reads as institutional gravity.

Pressure Pocket

The API did not return a usable short-float field for this ticker, so the pressure score leans more on float lock and crowding than a full short ledger.

Capital Rhythm

Dividend cadence reads semi-annual with 2 event(s) in the last full year, a five-year average of 1.8, and stability score 80.0/100. Forward yield sits near 5.2% while payout is around 94.8%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

Semi-Annual
Year Dividend Count Context
2026 1 Current partial year
2025 2 Full year
2024 2 Full year
2023 2 Full year
2022 2 Full year
2021 1 Full year
2020 1 Full year
2019 2 Full year

Structure Facts

Live Snapshot
Implied Spot
247.00
derived from market cap / shares
52W High
248.39
upper auction edge
52W Low
124.82
lower auction edge
Beta
0.47
volatility character
Shares Out
219.8M
fully diluted count
Shares Float
184.9M
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2026-03-26
-24 day(s) to ex-date
Dividend Pay
-
payment date not supplied
Last Split
-
split date not supplied

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
84.8589
Institutions As Of
2026-06-01
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
5
Sale Director Dealing
16
Purchase TR1
61
Sale TR1
38
Broker Coverage Rows
1
Institution Holders Tracked
16
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

The alert tape opens the door for IPF, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2024-08-01 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1 Today
Catalyst Pulse
International Personal Finance PLC has fresh news flow live now, so the tape is framing the chart workspace below.
09:32 Today's Catalyst Total Voting Rights
AI Charts Studio
IPF Price History
Live structure, automated forecasts, technical overlays and catalyst beacons in one chart workspace.
30 Day View Window 30D Data 2024-08-01 Open Preview Studio Brief
Chart Intelligence Suite
Swipe the timeframe, call the overlays, and keep the AI signal stack fused into one chart cockpit.
The mobile chart console is now framed as one connected surface so forecasting, structure, catalyst beacons and chart tools all sit inside the price workspace.

Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

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Indicators0
Technicals0
AI Forecast 68.50%
RSI Gauge
Price Change
AI Forecast