International Personal Finance

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.
Company Growth (employees)
Leeds, GB
Size (employees)
7,598 (est)+5%
International Personal Finance was founded in 2007 and is headquartered in Leeds, GB

International Personal Finance Office Locations

International Personal Finance has offices in Leeds, Helsinki, Warsaw, Madrid 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 £735.4 m in FY, 2015 which is a 6% decrease from the previous period.

Revenue (FY, 2015)

735.4 m

Revenue growth (FY, 2014 - FY, 2015), %


Net income (FY, 2015)

62.5 m

Market capitalization (31-Oct-2017)

449.4 m

Closing share price (31-Oct-2017)


Cash (31-Dec-2015)

39.9 m
International Personal Finance's current market capitalization is £449.4 m.
GBPFY, 2013FY, 2014FY, 2015


746.8 m783.2 m735.4 m

Revenue growth, %


Pre tax profit

130.5 m100.2 m100.2 m

Net Income

95.6 m71.8 m62.5 m
GBPFY, 2013FY, 2014FY, 2015


24.6 m68.8 m39.9 m

Accounts Receivable

739.1 m723.9 m718.9 m

Current Assets

785.9 m814.2 m786.4 m


139.7 m145.9 m190 m
GBPFY, 2013FY, 2014FY, 2015

Cash From Operating Activities

(1.3 m)33.9 m22.4 m

Cash From Financing Activities

15.3 m31.8 m(1.4 m)

Income Taxes Paid

(34.9 m)(28.4 m)(37.7 m)
GBPY, 2015


102.2 k

Financial Leverage

3.1 x
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International Personal Finance Market Value History

International Personal Finance's Web-traffic and Trends

International Personal Finance Online and Social Media Presence

International Personal Finance Company Life and Culture

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