IPF - Ticker AI Digest

International Personal Finance PLC 📰 6
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Today's Catalysts (IPF) 6
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 13:39
International Personal Finance PLC
Form 8.3
IPF 13:34
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 10:45
International Personal Finance PLC
Form 8.3
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Results 2
IPF 14:24
International Personal Finance PLC
Results of Court Meeting and General Meeting
IPF 06:06
International Personal Finance PLC
2025 Final Results and Accounts
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**Summary of International Personal Finance Plcs 2025 Final Results and Accounts**
**Overview**
International Personal Finance (IPF) reported strong financial and strategic progress for the year ended 31 December 2025, driven by robust operational delivery and its Next Gen strategy. The Group achieved pre-exceptional profit before tax of £88.6 million (2024: £85.2 million), supported by increased customer numbers, lending growth, and improved credit quality. A final dividend of 9.0 pence per share was proposed, bringing the full-year dividend to 12.8 pence per share.
**Key Financial Highlights**
**Customer Growth**Customer numbers increased by 4.7% to 1.7 million, marking the first year of growth in a decade.
**Lending and Receivables**Customer lending grew by 11.8% to £1,342.0 million, and closing net receivables increased by 13.9% to £1,061.3 million.
**Credit Quality**The impairment rate improved to 9.0% (2024: 9.6%), reflecting robust customer repayment performance.
**Dividend**A 12.5% increase in the final dividend to 9.0 pence per share, with a full-year dividend of 12.8 pence per share.
**Strategic Progress**
**Next Gen Strategy**Significant advancements in product expansion, digital capabilities, and operational efficiency.
**Product Innovation**Launched ProviSmart credit cards in Poland and a pilot in Romania, expanded retail partnerships, and introduced short-term loan products in Mexico and Poland.
**Geographic Expansion**Opened new branches in Monterrey and Ensenada, Mexico.
**Technology and Data**Invested £35.2 million in technology to enhance customer experience, automation, and data-driven decision-making.
**Proposed Acquisition by BasePoint**
The Board recommended a proposed acquisition by IPF Parent Holdings Limited (BasePoint) at an increased offer value of 250 pence per share, inclusive of a 15 pence per share special dividend. This represents a 40% premium to the closing price on 29 July 2025.
**CEO Commentary**
Gerard Ryan, CEO, highlighted the Groups accelerated growth and strategic execution, emphasizing improved customer demand, disciplined operations, and strong credit quality. He noted the Groups strong funding position and commitment to financial inclusion.
**Outlook**
IPF expects to sustain growth momentum in 2026, supported by robust credit quality, a strong balance sheet, and continued investment in key markets like Mexico and Australia. An additional £5 million per annum will be invested in new initiatives over the next two to three years to drive medium-term performance.
**Financial Review**
**Divisional Performance**Provident Europe, Provident Mexico, and IPF Digital all delivered strong growth in customer lending and receivables.
**Revenue and Costs**Revenue yield decreased slightly to 52.5%, while the cost-income ratio remained stable at 61.1%.
**Returns**Pre-exceptional RoRE moderated to 14.9%, reflecting investments in growth initiatives.
**Regulatory Update**
IPF continues to monitor and adapt to regulatory changes, particularly the implementation of the second Consumer Credit Directive (CCD II) across European markets.
**Conclusion**
IPFs 2025 results reflect strong operational and financial performance, underpinned by strategic initiatives and a focus on financial inclusion. The proposed acquisition by BasePoint marks a significant milestone, offering shareholders attractive value. The Group remains well-positioned for sustainable growth and continued progress toward its long-term goals.
Here is the comparison of financials and debt year on year presented as an HTML table:
MetricFY-25 (£m)FY-24 (£m)YoY Change (£m)YoY Change (%)
Customer numbers (000s)1,7291,652774.7%
Customer lending (£m)1,342.01,214.5127.510.5%
Closing net receivables (£m)1,061.3870.0191.322.0%
Pre-exceptional PBT (£m)88.685.23.44.0%
Statutory PBT (£m)85.373.312.016.4%
Full-year dividend per share (pence)12.811.41.412.3%
TNAV per share (£)2.141.870.2714.4%
Revenue (£m)737.5726.311.21.5%
Impairment (£m)(126.8)(127.5)0.70.5%
Interest expense (£m)(71.3)(70.4)(0.9)(1.3%)
Total debt facilities (£m)750656.993.114.2%
Net borrowings (£m)621515.9105.120.4%
Equity to receivables ratio (%)51%54%(3%)(5.6%)
**Notes:** * The table includes key financial metrics and debt-related figures for FY-25 and FY-24. * The YoY Change columns show the difference between FY-25 and FY-24 values. * The percentage changes are calculated based on the FY-24 values. * Debt-related figures are derived from the "Funding and balance sheet" section of the provided text. * The equity to receivables ratio is calculated as Total Equity / Amounts receivable from customers.
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TR1 35
IPF 13:34
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 13:48
International Personal Finance PLC
Holding(s) in Company
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IPF 08:50
International Personal Finance PLC
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IPF 14:48
International Personal Finance PLC
Holding(s) in Company
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IPF 14:34
International Personal Finance PLC
Holding(s) in Company
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IPF 08:27
International Personal Finance PLC
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<mark style="background-coloryellow">TR1</mark> Buy
IPF 08:24
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 10:32
International Personal Finance PLC
Holding(s) in Company
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IPF 15:25
International Personal Finance PLC
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IPF 15:54
International Personal Finance PLC
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IPF 08:13
International Personal Finance PLC
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IPF 13:52
International Personal Finance PLC
Holding(s) in Company
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<mark style="background-coloryellow">TR1</mark> Buy
IPF 10:13
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 09:50
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 09:40
International Personal Finance PLC
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TR1 Buy
IPF 09:37
International Personal Finance PLC
Holding(s) in Company
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IPF 16:37
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 13:45
International Personal Finance PLC
Holding(s) in Company
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IPF 08:59
International Personal Finance PLC
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IPF 08:58
International Personal Finance PLC
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IPF 15:08
International Personal Finance PLC
Holding(s) in Company
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IPF 11:41
International Personal Finance PLC
Holding(s) in Company
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IPF 11:37
International Personal Finance PLC
Holding(s) in Company
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IPF 11:36
International Personal Finance PLC
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IPF 11:33
International Personal Finance PLC
Holding(s) in Company
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IPF 16:28
International Personal Finance PLC
Holding(s) in Company
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IPF 16:28
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 16:26
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 09:25
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:14
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 06:13
International Personal Finance PLC
Holding(s) in Company
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IPF 14:24
International Personal Finance PLC
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IPF 14:22
International Personal Finance PLC
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IPF 14:21
International Personal Finance PLC
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IPF 14:30
International Personal Finance PLC
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All Market News (Last 30 Days) 116
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 13:39
International Personal Finance PLC
Form 8.3
IPF 13:34
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 10:45
International Personal Finance PLC
Form 8.3
IPF 15:10
International Personal Finance PLC
Form 8.3
IPF 13:48
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 13:10
International Personal Finance PLC
Form 8.3 - The Vanguard Group, Inc.: International Personal Finance PLC
IPF 12:28
International Personal Finance PLC
Form 8.3
IPF 11:16
International Personal Finance PLC
Form 8.3
IPF 08:50
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:48
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:34
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 11:13
International Personal Finance PLC
Form 8.3
IPF 10:13
International Personal Finance PLC
Form 8.3
IPF 08:27
International Personal Finance PLC
Holding(s) in Company
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<mark style="background-coloryellow">TR1</mark> Buy
IPF 08:24
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 11:54
International Personal Finance PLC
Form 8.3
IPF 11:35
International Personal Finance PLC
Form 8.3
IPF 10:32
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 15:25
International Personal Finance PLC
Holding(s) in Company
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IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 12:07
International Personal Finance PLC
Form 8.3
IPF 10:58
International Personal Finance PLC
Form 8.3
IPF 15:54
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:24
International Personal Finance PLC
Results of Court Meeting and General Meeting
IPF 13:09
International Personal Finance PLC
Form 8.3
IPF 11:53
International Personal Finance PLC
Form 8.3
IPF 08:13
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 13:52
International Personal Finance PLC
Holding(s) in Company
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<mark style="background-coloryellow">TR1</mark> Buy
IPF 11:08
International Personal Finance PLC
Form 8.3
IPF 10:13
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 12:21
International Personal Finance PLC
Form 8.3
IPF 12:02
International Personal Finance PLC
Form 8.3
IPF 09:50
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 09:40
International Personal Finance PLC
Holding(s) in Company
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IPF 09:37
International Personal Finance PLC
Holding(s) in Company
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IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 11:35
International Personal Finance PLC
Form 8.3
IPF 16:37
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 13:45
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 11:58
International Personal Finance PLC
Form 8.3
IPF 11:23
International Personal Finance PLC
Form 8.3
IPF 08:59
International Personal Finance PLC
Holding(s) in Company
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IPF 08:58
International Personal Finance PLC
Holding(s) in Company
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IPF 15:08
International Personal Finance PLC
Holding(s) in Company
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IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:21
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 12:08
International Personal Finance PLC
Form 8.3
IPF 11:53
International Personal Finance PLC
Form 8.3
IPF 11:41
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 11:37
International Personal Finance PLC
Holding(s) in Company
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IPF 11:36
International Personal Finance PLC
Holding(s) in Company
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IPF 11:33
International Personal Finance PLC
Holding(s) in Company
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IPF 16:28
International Personal Finance PLC
Holding(s) in Company
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IPF 16:28
International Personal Finance PLC
Holding(s) in Company
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IPF 16:26
International Personal Finance PLC
Holding(s) in Company
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IPF 14:44
International Personal Finance PLC
Form 8.3
IPF 14:21
International Personal Finance PLC
Form 8.3
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 10:38
International Personal Finance PLC
Form 8.3
IPF 09:25
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 16:47
International Personal Finance PLC
Form 8.3 - Amendment
IPF 14:14
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 13:22
International Personal Finance PLC
Form 8.3
IPF 13:13
International Personal Finance PLC
Form 8.3 - The Vanguard Group, Inc.: International Personal Finance plc
IPF 12:58
International Personal Finance PLC
Total Voting Rights
IPF 12:51
International Personal Finance PLC
Form 8.3
IPF 10:05
International Personal Finance PLC
Form 8.3
IPF 06:13
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:24
International Personal Finance PLC
Holding(s) in Company
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IPF 14:22
International Personal Finance PLC
Holding(s) in Company
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IPF 14:21
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:01
International Personal Finance PLC
Form 8.3
IPF 12:48
International Personal Finance PLC
Form 8.3
IPF 12:22
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 12:47
International Personal Finance PLC
Form 8.3
IPF 11:57
International Personal Finance PLC
Form 8.3
IPF 11:16
International Personal Finance PLC
Form 8.3
IPF 14:30
International Personal Finance PLC
Holding(s) in Company
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TR1 Buy
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 13:02
International Personal Finance PLC
Form 8.3
IPF 06:06
International Personal Finance PLC
2025 Final Results and Accounts
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**Summary of International Personal Finance Plcs 2025 Final Results and Accounts**
**Overview**
International Personal Finance (IPF) reported strong financial and strategic progress for the year ended 31 December 2025, driven by robust operational delivery and its Next Gen strategy. The Group achieved pre-exceptional profit before tax of £88.6 million (2024: £85.2 million), supported by increased customer numbers, lending growth, and improved credit quality. A final dividend of 9.0 pence per share was proposed, bringing the full-year dividend to 12.8 pence per share.
**Key Financial Highlights**
**Customer Growth**Customer numbers increased by 4.7% to 1.7 million, marking the first year of growth in a decade.
**Lending and Receivables**Customer lending grew by 11.8% to £1,342.0 million, and closing net receivables increased by 13.9% to £1,061.3 million.
**Credit Quality**The impairment rate improved to 9.0% (2024: 9.6%), reflecting robust customer repayment performance.
**Dividend**A 12.5% increase in the final dividend to 9.0 pence per share, with a full-year dividend of 12.8 pence per share.
**Strategic Progress**
**Next Gen Strategy**Significant advancements in product expansion, digital capabilities, and operational efficiency.
**Product Innovation**Launched ProviSmart credit cards in Poland and a pilot in Romania, expanded retail partnerships, and introduced short-term loan products in Mexico and Poland.
**Geographic Expansion**Opened new branches in Monterrey and Ensenada, Mexico.
**Technology and Data**Invested £35.2 million in technology to enhance customer experience, automation, and data-driven decision-making.
**Proposed Acquisition by BasePoint**
The Board recommended a proposed acquisition by IPF Parent Holdings Limited (BasePoint) at an increased offer value of 250 pence per share, inclusive of a 15 pence per share special dividend. This represents a 40% premium to the closing price on 29 July 2025.
**CEO Commentary**
Gerard Ryan, CEO, highlighted the Groups accelerated growth and strategic execution, emphasizing improved customer demand, disciplined operations, and strong credit quality. He noted the Groups strong funding position and commitment to financial inclusion.
**Outlook**
IPF expects to sustain growth momentum in 2026, supported by robust credit quality, a strong balance sheet, and continued investment in key markets like Mexico and Australia. An additional £5 million per annum will be invested in new initiatives over the next two to three years to drive medium-term performance.
**Financial Review**
**Divisional Performance**Provident Europe, Provident Mexico, and IPF Digital all delivered strong growth in customer lending and receivables.
**Revenue and Costs**Revenue yield decreased slightly to 52.5%, while the cost-income ratio remained stable at 61.1%.
**Returns**Pre-exceptional RoRE moderated to 14.9%, reflecting investments in growth initiatives.
**Regulatory Update**
IPF continues to monitor and adapt to regulatory changes, particularly the implementation of the second Consumer Credit Directive (CCD II) across European markets.
**Conclusion**
IPFs 2025 results reflect strong operational and financial performance, underpinned by strategic initiatives and a focus on financial inclusion. The proposed acquisition by BasePoint marks a significant milestone, offering shareholders attractive value. The Group remains well-positioned for sustainable growth and continued progress toward its long-term goals.
Here is the comparison of financials and debt year on year presented as an HTML table:
MetricFY-25 (£m)FY-24 (£m)YoY Change (£m)YoY Change (%)
Customer numbers (000s)1,7291,652774.7%
Customer lending (£m)1,342.01,214.5127.510.5%
Closing net receivables (£m)1,061.3870.0191.322.0%
Pre-exceptional PBT (£m)88.685.23.44.0%
Statutory PBT (£m)85.373.312.016.4%
Full-year dividend per share (pence)12.811.41.412.3%
TNAV per share (£)2.141.870.2714.4%
Revenue (£m)737.5726.311.21.5%
Impairment (£m)(126.8)(127.5)0.70.5%
Interest expense (£m)(71.3)(70.4)(0.9)(1.3%)
Total debt facilities (£m)750656.993.114.2%
Net borrowings (£m)621515.9105.120.4%
Equity to receivables ratio (%)51%54%(3%)(5.6%)
**Notes:** * The table includes key financial metrics and debt-related figures for FY-25 and FY-24. * The YoY Change columns show the difference between FY-25 and FY-24 values. * The percentage changes are calculated based on the FY-24 values. * Debt-related figures are derived from the "Funding and balance sheet" section of the provided text. * The equity to receivables ratio is calculated as Total Equity / Amounts receivable from customers.
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 12:36
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 14:21
International Personal Finance PLC
Form 8.3
IPF 13:18
International Personal Finance PLC
Form 8.3 - The Vanguard Group, Inc.: International Personal Finance plc
IPF 11:32
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 11:31
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 12:28
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 12:57
International Personal Finance PLC
Form 8.3
IPF 06:01
International Personal Finance PLC
Rule 2.9 Announcement
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 12:06
International Personal Finance PLC
Form 8.3
IPF 14:26
International Personal Finance PLC
Form 8.3
IPF 13:48
International Personal Finance PLC
Form 8.3
IPF 13:24
International Personal Finance PLC
Form 8.3 - The Vanguard Group, Inc.: International Personal Finance plc

AI Crunch

Single-Ticker AI Crunch
IPF signal theatre built from scored market catalysts, automated AI forecasts, and live trigger logic.

This is the ticker-specific AI Crunch desk for International Personal Finance PLC. It compresses bullish and bearish catalyst scoring, best and worst AI forecast paths, and automated buy or sell trigger logic into one cockpit so users can judge conviction without hopping across screens.

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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
542.8M
Enterprise Value
689.4M
Public Float
84.2
Broker Target
185
Shares Out
219.8M
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

6 live alerts 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 2026-03-18 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.
6 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.
14:26 Today's Alert Form 8.3 14:26 Today's Alert Form 8.3 14:01 Today's Alert Form 8.3
+3 more headlines waiting in Digested News
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
10.2917
Forward PE
9.5329
Price Sales TTM
0.736
Price Book MRQ
0.9942
EV Revenue
1.7759
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
62.969
Institutions As Of
2026-04-20
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
5
Sale Director Dealing
11
Purchase TR1
48
Sale TR1
29
Broker Coverage Rows
1
Institution Holders Tracked
15
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 2026-03-18 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.
6 Today
Catalyst Pulse
International Personal Finance PLC has fresh news flow live now, so the tape is framing the chart workspace below.
14:26 Today's Catalyst Form 8.3 14:26 Today's Catalyst Form 8.3 14:01 Today's Catalyst Form 8.3
+3 more headlines waiting in Digested News
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 2026-03-18 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.

Automated Signalling Automated AI Forecasts Predictive MACD Catalyst Beacons Live Price Structure
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Technicals0
AI Forecast 11.97%
RSI Gauge
Price Change
AI Forecast