IPF.L | Ticker Profile - Titan Protect

IPF.L

International Personal Finance plc

Financial Services · Credit Services · LSE

$248.50

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$551M

Total market value of the company

Trailing P/E

10.33

Reasonably valued

Forward P/E

8.05

Based on estimated future earnings — lower means cheaper

Rev Growth

+9.9%

Year-over-year revenue change

Profit Margin

7.3%

How much profit the company keeps from each dollar of revenue

ROE

10.7%

Return on equity — how efficiently it uses shareholder money

Analyst Target

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About International Personal Finance plc

International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico. The company provides home credit installment loans; hybrid loans; credit card; retail credit; digital installment loans; revolving credit line; mobile wallet services; and value added services, including health and life insurance. It offers its products under the Provident, and Creditea digital brands. The company was founded in 1997 and is headquartered in Leeds, the United Kingdom.

https://www.ipfin.co.uk

Country: United Kingdom Employees: 8,173 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

1.486

Excellent risk-adjusted returns

Kelly Fraction

-0.0336

No positive edge detected — the data suggests staying out

Calmar Ratio

1.796

Returns exceed worst-case losses — strong risk profile

Annual Return

46.1%

Historical annualised return based on price data

Max Drawdown

-25.7%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.42

Very low correlation to market moves

52W High

$257.50

3% below the year high

52W Low

$137.00

81% above the year low

Avg Volume

2,230,283

Average daily shares traded — higher means easier to buy and sell

Short Ratio

N/A

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

516.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$0.24

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

117.27

Heavy leverage — higher financial risk if revenues decline

Current Ratio

3.83

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

3.78

Like current ratio but excludes inventory — stricter test

Gross Margin

82.8%

Revenue left after cost of goods — higher means pricing power

Operating Margin

19.3%

Profit from core operations before interest and tax

Free Cash Flow

$-61,625,000

Negative — the business is spending more than it generates

Revenue (TTM)

$738M

Total revenue over the last 12 months

Net Income

$54M

Profitable — the bottom line is positive

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

Before you go