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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TypePublic
HQLeeds, GB
Founded2007
Size (employees)7,598 (est)+5%
Websiteipfin.co.uk
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 Revenue

International Personal Finance's revenue was reported to be £825.60 m in FY, 2017
GBP

Revenue (FY, 2017)

825.6m

Net income (FY, 2017)

75.0m

Cash (31-Dec-2017)

27.4m

EV

501.6m
GBPFY, 2006FY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

365.3m409.8m557.1m550.2m608.7m649.5m651.7m746.8m783.2m735.4m756.8m825.6m

Revenue growth, %

5%(6%)

Operating expense total

299.5m340.8m

EBITDA

73.0m82.0m
GBPFY, 2006FY, 2007FY, 2008FY, 2009FY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

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

Accounts Receivable

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

Current Assets

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

PP&E

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

Net Income

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

Cash From Operating Activities

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

Dividends Paid

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

Cash From Financing Activities

700.0k(28.0m)(87.1m)(38.0m)(3.9m)(14.9m)15.3m31.8m(1.4m)800.0k11.7m
GBPY, 2017

EV/CFO

-64.3 x

Revenue/Employee

111.0k

Debt/Equity

0.2 x

Debt/Assets

0.1 x

Financial Leverage

2.7 x
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International Personal Finance Online and Social Media Presence

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International Personal Finance News and Updates

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International Personal Finance Company Life and Culture

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