We are International Personal Finance plc, a leading international home credit and digital loans business serving 2.6 customers. We operate in Poland, the Czech Republic, Slovakia, Hungary, Romania, Mexico, Lithuania and Bulgaria through our Provident brand. Our digital business currently serves customers in Poland, Lithuania, Finland, Latvia and Estonia. Our international operations are supported by a central team based in Leeds in the UK. We aim to be a leading provider of simple financial products and services to people of modest means. We achieve this by building close, long-term relationships with our stakeholders. We offer a personal and flexible service to our customers, designed to meet their needs to borrow relatively small amounts of money quickly and in a manageable and transparent way. Our values govern everything we do. They support our vision and are central to delivering the business strategy. They help us provide outstanding customer service, deliver high levels of business performance and underpin our commitment to work responsibly. We are respectful - treating others as we would like to be treated. We are responsible - taking due care in all our actions and decisions. We are straightforward - being open and transparent in everything we do.
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Leeds, GB
Size (employees)
7,598 (est)+5%
International Personal Finance was founded in 2007 and is headquartered in Leeds, GB
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International Personal Finance Office Locations

International Personal Finance has offices in Vilnius, Leeds, Helsinki, Warsaw and in 6 other locations
Leeds, GB (HQ)
Number Three Leeds City Office Park Meadow Lane
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International Personal Finance Financials and Metrics

International Personal Finance Financials

International Personal Finance's revenue was reported to be £763.40 m in FY, 2016

Revenue (FY, 2016)

763.4 m

Net income (FY, 2016)

66.9 m

Market capitalization (31-Oct-2017)

449.4 m

Closing share price (31-Oct-2017)


Cash (31-Dec-2016)

43.4 m


428.4 m
International Personal Finance's current market capitalization is £449.4 m.
GBPFY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016


409.8 m557.1 m550.2 m608.7 m649.5 m651.7 m746.8 m783.2 m735.4 m763.4 m

Revenue growth, %


Operating expense total

340.8 m


82 m
GBPFY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

32.5 m55.1 m45.6 m59.2 m76.5 m74.1 m95.6 m71.8 m62.5 m66.9 m

Cash From Operating Activities

15.8 m66.3 m39 m11.9 m29.2 m(1.3 m)33.9 m22.4 m21.8 m

Dividends Paid

4.9 m13.2 m14.5 m15.1 m17.1 m18.6 m20.4 m22.9 m28.6 m27.4 m

Cash From Financing Activities

(28 m)(87.1 m)(38 m)(3.9 m)(14.9 m)15.3 m31.8 m(1.4 m)800 k
GBPY, 2016


19.7 x


0.1 x

Financial Leverage

2.8 x
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