OverviewSuggest Edit

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, GB
Websiteipfin.co.uk
Employee Ratings3.4

Latest Updates

Employees (est.) (Sept 2020)9,854
Revenue (FY, 2018)£866.4 M(+5%)
Share Price (Sept 2020)£0.5 (-8%)
Cybersecurity ratingAMore

Key People/Management at International Personal Finance

Gerard Ryan

Gerard Ryan

CEO
Stuart Sinclair

Stuart Sinclair

Chairman
Justin Lockwood

Justin Lockwood

CFO, Executive Director
John Mangelaars

John Mangelaars

Independent non-executive director and SID
Deborah Davis

Deborah Davis

Board Member
Richard Moat

Richard Moat

Senior independent non-executive director
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International Personal Finance Office Locations

International Personal Finance has offices in Leeds, Redfern and Ciudad de México
Leeds, GB (HQ)
Number Three Leeds City Office Park Meadow Lane
Redfern, AU
61-63 Great Buckingham St
Ciudad de México, MX
Av. Insurgentes Sur 1271, Extremadura Insurgentes, Benito Juárez
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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 (21-Sept-2020)

122.8m

Closing stock price (21-Sept-2020)

0.5

Cash (31-Dec-2018)

46.6m

EV

105.0m
International Personal Finance's current market capitalization is £122.8 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
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
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)
GBPFY, 2006

Debt/Equity

2.7 x

Debt/Assets

0.4 x

Financial Leverage

6.4 x
Show all financial metrics

International Personal Finance Cybersecurity Score

Cybersecurity ratingPremium dataset

A

90/100

SecurityScorecard logo

International Personal Finance Online and Social Media Presence

Embed Graph

International Personal Finance News and Updates

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, Stuart Sinclair and Justin Lockwood.

  • How many employees does International Personal Finance have?

    International Personal Finance has 9,854 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 £87.9 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, Redfern and Ciudad de México.

  • How many offices does International Personal Finance have?

    International Personal Finance has 3 offices.