International Personal Finance (IPF)
market vs.
industry GROWTH & VALUE
| 12m Forecast Rolling | ||||
| PE Ratio (f) | 15.6 |
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| Price to Book Value | 3.67 |
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market vs.
industry QUALITY
| Year End 31st Dec | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013E | 2014E | CAGR / Avg | |
| Revenue | £m | |||||||||
| Operating Profit | £m | |||||||||
| Net Profit | £m | |||||||||
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| EPS Normalised | p | |||||||||
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| Last ex-div: 20th Mar, paid: 3rd May more... Dividends | ||||||||||
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| Cash etc | £m | |||||||||
| Working Capital | £m | |||||||||
| Net Fixed Assets | £m | |||||||||
| Net Debt | £m | |||||||||
| Book Value | £m | |||||||||
| Average Shares | m | |||||||||
| Book Value ps | p | +13.7% | ||||||||
FINANCIAL BRIEF: For the fiscal year ended 31 December 2012, International Personal Finance Plc revenues decreased 1% to L475.5M. Net income decreased 3% to L74.1M. Revenues reflect Czech/Slovakia segment decrease of 8% to L133.4M, Poland segment decrease of 2% to L268.8M. Net income also reflects Restructuring Expenses increase from L0K to L4.8M (expense), Other Operating Cost increase of 3% to L100.3M (expense). more »
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market vs.
industry RECENT HISTORY
| Latest interim period (ended 31st Dec '12) vs. prior year | ||||
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BROKER CONSENSUS & FORECAST TREND
| Recommendation: | Strong Sell | Sell | Hold | Buy | Strong Buy |
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| No. of Analysts: | 0 | 1 | 7 | 2 | 3 |
International Personal Finance plc is a provider of international home credit business serving 2.4 million customers. The Company operates using the Provident brand in six markets: Poland, the Czech Republic, Slovakia, Hungary, Mexico and Romania. It provides small sum, short-term, unsecured cash loans with terms ranging period of around 12 months by money transfer to a bank account, and an optional personal home collection service provided by agents who deliver the loan to and collect repayments from the customer’s home each week. The Company's wholly owned subsidiaries include IPF Holdings Limited, IPF International Limited, IPF Financing Limited, Provident Financial s.r.o., Provident Financial Zrt., Provident Mexico S.A. de C.V. and Provident Servicios S.A. de C.V.
Directors: Gerard Ryan (CEO) 49, David Broadbent (Fin. Dir.) 44, Robert Husband (Other) , Russell Johnsen (Other) , Ivo Kalik (Other) , David Parkinson (Other) , Botond Szirmak (Other) , Ben Murphy (Secy.) ,
No. of Employees: 6,086 No. of Shareholders: n/a
| Last Annual | December 31st, 2012 |
| Last Interim | December 31st, 2012 |
| Shares in Issue | 249,425,087 |
| Free Float | 243.3m (97.5%) |
| Sector | Financials |
| Industry | Banking Services |
| Index | FTSE 350 Act , FTSE Lower Yield , FTSE 250 Mid , FT350 Gen Fin , |
| Exchange |
London Stock Exchange (Full) |
| Eligible for | an ISA? a SIPP? |
| Address | Building Three,Leeds City Office Park Meadow Lane, LEEDS, LS11 5BD, United Kingdom |
| Web | http://www.ipfin.co.uk/ |
| Phone | +44 113 2856700 |
| Contact | David Broadbent (Finance Director, Executive Director) |
| Registrar | Capita Registrars Limited (Huddersfield) |
| Auditors | Deloitte LLP |
| 25th Apr | Result of AGM |
| 25th Apr | Interim Management Statement |
| 22nd Apr | Final Terms Confirmation Announcement |
| 22nd Apr | Notice of early closure of bond offer period |
| 16th Apr | Launch of 6.125% GBP retail bonds maturing 2020 |
| 16th Apr | Publication of Final Terms |
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