Edition:
United States

International Personal Finance PLC (IPF.L)

IPF.L on London Stock Exchange

231.40GBp
22 May 2018
Change (% chg)

1.20 (+0.52%)
Prev Close
230.20
Open
236.00
Day's High
236.00
Day's Low
230.20
Volume
111,342
Avg. Vol
291,343
52-wk High
259.97
52-wk Low
156.25

Revenue & Earnings Per Share

Consensus Estimates Analysis

  # of Estimates Mean High Low 1 Year Ago
SALES (in millions)
Year Ending Dec-18 2 867.15 880.60 853.70 847.30
Year Ending Dec-19 3 934.62 958.00 910.50 812.07
Earnings (per share)
Year Ending Dec-18 3 29.50 31.50 28.31 33.90
Year Ending Dec-19 4 33.75 35.70 30.97 34.79
Sales and Profit Figures in British Pound (GBP);

Valuation Ratios

  Company industry sector
P/E Ratio (TTM) 11.84 41.30 19.46
P/E High - Last 5 Yrs. 15.30 36.09 25.63
P/E Low - Last 5 Yrs. 5.51 13.55 11.88
Beta 0.44 1.09 1.40
Price to Sales (TTM) 0.63 9.07 349.06
Price to Book (MRQ) 1.03 6.26 2.69
Price to Tangible Book (MRQ) 1.18 6.53 2.87
Price to Cash Flow (TTM) 7.76 53.22 29.82
% Owned Institutions -- 3.14 0.87

Dividends

  Company industry sector
Dividend Yield -- 1.27 2.53
Dividend Yield - 5 Year Avg 3.64 0.98 2.10
Dividend 5 Year Growth Rate 9.88 14.82 23.76
Payout Ratio(TTM) 84.00 12.11 104.33

Growth Rates

  Company industry sector
Sales (MRQ) vs Qtr. 1 Yr. Ago 7.51 21.29 13.56
Sales (TTM) vs TTM 1 Yr. Ago 9.12 21.90 9.27
Sales - 5 Yr. Growth Rate 4.85 20.69 13.97
EPS (MRQ) vs Qtr. 1 Yr. Ago -68.99 42.91 37.54
EPS (TTM) vs TTM 1 Yr. Ago -37.94 -- --
EPS - 5 Yr. Growth Rate -7.44 17.65 10.53
Capital Spending - 5 Yr. Growth Rate 18.06 4.39 1.44

Financial Strength

  Company industry sector
Quick Ratio (MRQ) -- 0.12 0.06
Current Ratio (MRQ) 4.71 0.95 1.89
LT Debt to Equity (MRQ) 120.37 266.52 33.27
Total Debt to Equity (MRQ) 136.39 371.89 65.76
Interest Coverage (TTM) -- -815.35 6.98

Profitability Ratios

  Company industry sector
Gross Margin (TTM) 93.32 39.93 3.58
Gross Margin - 5 Yr. Avg. 93.82 43.94 3.43
EBITD Margin (TTM) 39.77 -- --
EBITD - 5 Yr. Avg 42.59 24.31 45.79
Operating Margin (TTM) 12.79 22.73 36.04
Operating Margin - 5 Yr. Avg. 13.84 -43.24 39.35
Pre-Tax Margin (TTM) 12.79 22.37 38.86
Pre-Tax Margin - 5 Yr. Avg. 13.84 -43.49 39.82
Net Profit Margin (TTM) 5.45 15.81 31.28
Net Profit Margin - 5 Yr. Avg. 8.99 -50.70 31.58
Effective Tax Rate (TTM) 57.39 28.39 20.76
Effective Tax Rate - 5 Yr. Avg. 35.00 28.48 20.81

Efficiency

  Company industry sector
Revenue/Employee (TTM) 70,757 185,903 51,586,734
Net Income/Employee (TTM) 3,856 13,203 24,169,912
Receivable Turnover (TTM) 0.83 330.86 10,624.19
Inventory Turnover (TTM) -- 57.75 0.96
Asset Turnover (TTM) 0.65 0.14 0.02

Management Effectiveness

  Company industry sector
Return on Assets (TTM) 3.52 2.34 2.80
Return on Assets - 5 Yr. Avg. 6.67 2.50 2.77
Return on Investment (TTM) 4.18 3.42 0.59
Return on Investment - 5 Yr. Avg. 7.95 3.71 0.53
Return on Equity (TTM) 9.72 15.50 16.31
Return on Equity - 5 Yr. Avg. 17.76 16.27 18.32
  1 Year 3 Year 5 Year
Sales % 9.12 1.78 4.85
EPS (TTM) % -37.86 -12.85 -7.44
Dividend % 0.00 1.10 9.88
Note: Units in Millions of US Dollars

Performance for International Personal Finance PLC

Period %
Actual
% vs.
S&P 500
Rank In
Industry
Industry
Rank
4 Week -8.58 -13.57 76 37
13 Week 21.99 12.76 99 82
26 Week 14.96 8.12 99 50
52 Week 38.88 31.57 99 69
YTD 16.56 14.05 99 59
Note:: Rank is a percentile that ranges from 0 to 99, with 99 = best.

Institutional Holders

% Shares Owned: 98.14%
# of Holders: 95
Total Shares Held: 219,337,916
3 Mo. Net Change: 6,978,744
# New Positions: 11
# Closed Positions: 30
# Increased Positions: 35
# Reduced Positions: 45
# Net Buyers: -10
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