International Personal Finance plc
Research International Personal Finance plc (3I8) on Bullrun: market cap EUR 630.86M, P/E 11.8, dividend yield 9.9%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- Ticker3I8
- ExchangeF
- CountryUnited Kingdom
- SectorFinancial Services
- IndustryCredit Services
- CurrencyEUR
- Market capEUR 630.86M
- P/E11.8
- Dividend yield9.9%
- Financial periodFY2025
- RevenueGBP 666.20M
- Revenue growth1.6%
- Net incomeGBP 54.20M
- Free cash flow-GBP 39.70M
Valuation Snapshot
latest market cap is EUR 630.86M; P/E is 11.8; dividend yield is 9.9%.
Peer valuation comparison
Latest P/E is 11.83x versus a Financial Services sector median of 13.84x (14.5% below).
Latest dividend yield is 9.86% versus a Financial Services sector median of 3.86% (155.8% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | GBP 666.20M | GBP 54.20M | -GBP 39.70M | n/a | 0.24 | GBP 30.40M | GBP 640.30M | GBP 546.00M |
| FY2024 | GBP 655.90M | GBP 60.90M | GBP 600.00K | n/a | 0.26 | GBP 27.60M | GBP 535.80M | GBP 466.30M |
| FY2023 | GBP 690.90M | GBP 48.00M | GBP 63.20M | n/a | 0.2 | GBP 42.50M | GBP 535.40M | GBP 501.90M |
| FY2022 | GBP 577.40M | GBP 56.80M | -GBP 24.70M | n/a | 0.24 | GBP 50.70M | GBP 570.20M | GBP 445.20M |
| FY2021 | GBP 548.70M | GBP 41.90M | -GBP 29.90M | n/a | 0.18 | GBP 41.70M | GBP 471.60M | GBP 367.10M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | EUR 630.86M | 11.8 | 0.1% | 0.15 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.15 EUR, yield 9.9%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.14 GBP |
| FY2024 | 0.12 GBP |
| FY2023 | 0.11 GBP |
| FY2022 | 0.1 GBP |
| FY2021 | 0.03 GBP |
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.
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Frequently asked questions
What is International Personal Finance plc's market cap?
International Personal Finance plc's market capitalization is EUR 630.86M.
What is International Personal Finance plc's P/E ratio?
International Personal Finance plc's price-to-earnings (P/E) ratio is 11.8.
Does International Personal Finance plc pay a dividend?
International Personal Finance plc has a dividend yield of 9.9%.
What does International Personal Finance plc do?
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.