International Personal Finance

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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.
TypePublic
Founded2007
HQLeeds, GBMap
Websiteipfin.co.uk
Employee Ratings3.3More
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Latest Updates

Employees (est.) (Jun 2017)7,598(+5%)
Revenue (FY, 2018)£866.4 M(+5%)
Share Price (Oct 2017)£2 (+2%)

Key People/Management at International Personal Finance

Gerard Ryan

Gerard Ryan

CEO
Justin Lockwood

Justin Lockwood

CFO
John Mangelaars

John Mangelaars

Independent Non-Executive Director
Richard Moat

Richard Moat

Independent Non-Executive Director
Cathryn Riley

Cathryn Riley

Independent Non-Executive Director
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International Personal Finance Office Locations

International Personal Finance has offices in Leeds, West Yorkshire, Sydney, Mexico City and in 6 other locations
Leeds, GB (HQ)
Number Three Leeds City Office Park Meadow Lane
Show all (10)

International Personal Finance Financials and Metrics

International Personal Finance Revenue

International Personal Finance's revenue was reported to be £866.40 m in FY, 2018 which is a 4.9% increase from the previous period.
GBP

Revenue (FY, 2018)

866.4m

Revenue growth (FY, 2017 - FY, 2018), %

4.9%

Net income (FY, 2018)

75.4m

Market capitalization (31-Oct-2017)

449.4m

Closing stock price (31-Oct-2017)

2.0

Cash (31-Dec-2018)

46.6m

EV

431.6m
International Personal Finance's current market capitalization is £449.4 m.
GBPFY, 2016FY, 2017FY, 2018

Revenue

756.8m825.8m866.4m

Revenue growth, %

9%5%

General and administrative expense

300.0m328.7m330.8m

Operating expense total

300.0m328.7m330.8m
show all
GBPFY, 2006FY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Cash

44.5m88.8m62.2m31.2m23.5m17.9m24.2m24.6m68.8m39.9m43.4m27.4m46.6m

Accounts Receivable

313.6m600.0k552.2m514.9m558.8m555.3m627.2m739.1m723.9m718.9m808.3m866.9m

Current Assets

442.3m541.7m635.3m562.4m603.6m602.3m668.8m785.9m814.2m786.4m891.0m929.7m832.8m

PP&E

30.2m40.8m52.4m39.5m35.7m30.6m28.3m28.8m28.2m24.3m23.4m23.2m19.9m
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GBPFY, 2006FY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Net Income

23.0m32.5m55.1m45.6m59.2m76.5m74.1m95.6m71.8m62.5m71.2m75.0m75.4m

Cash From Operating Activities

22.6m15.8m66.3m39.0m11.9m29.2m(1.3m)33.9m22.4m21.8m(7.8m)60.2m

Dividends Paid

4.9m13.2m14.5m15.1m17.1m18.6m20.4m22.9m28.6m27.4m27.6m27.7m

Cash From Financing Activities

700.0k(28.0m)(87.1m)(38.0m)(3.9m)(14.9m)15.3m31.8m(1.4m)800.0k11.7m(15.5m)
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GBPY, 2018

EV/CFO

7.2 x

Debt/Equity

0.1 x

Financial Leverage

3.1 x
Show all financial metrics

International Personal Finance Online and Social Media Presence

International Personal Finance's Trends

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International Personal Finance News and Updates

July 25, 2018

International Personal Finance Plc ADR 2018 Q2 - Results - Earnings Call Slides

 International Personal Finance Frequently Asked Questions

  • When was International Personal Finance founded?

    International Personal Finance was founded in 2007.

  • Who are International Personal Finance key executives?

    International Personal Finance's key executives are Gerard Ryan, Justin Lockwood and John Mangelaars.

  • How many employees does International Personal Finance have?

    International Personal Finance has 7,598 employees.

  • What is International Personal Finance revenue?

    Latest International Personal Finance annual revenue is £866.4 m.

  • What is International Personal Finance revenue per employee?

    Latest International Personal Finance revenue per employee is £114 k.

  • Who are International Personal Finance competitors?

    Competitors of International Personal Finance include Provident Financial, Informa and Kantox.

  • Where is International Personal Finance headquarters?

    International Personal Finance headquarters is located at Number Three Leeds City Office Park Meadow Lane, Leeds.

  • Where are International Personal Finance offices?

    International Personal Finance has offices in Leeds, West Yorkshire, Sydney, Mexico City and in 6 other locations.

  • How many offices does International Personal Finance have?

    International Personal Finance has 10 offices.