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International Personal Valuation Multiples
Discover revenue and EBITDA valuation multiples for International Personal and similar public comparables like Liberty Financial Group, World Acceptance, Latitude Financial Services, Heartland Group and more.
International Personal Overview
About International Personal
International Personal Finance PLC provides consumer loans. The company's segment is based on geographical regions: European home credit, Mexico home credit, and Digital. It generates maximum revenue from the European home credit segment. The company home credit business operates as the Provident brand and makes small, unsecured loans to customers with low or unstable incomes and little to no credit history. Its digital business provides loans and revolving credit lines that customers access online.
Founded
2006
HQ
Employees
8.4K
Website
Sectors
Financials (LTM)
EV
$2B
International Personal Financials
International Personal reported last 12-month revenue of $827M.
In the same LTM period, International Personal generated $73M in net income.
Revenue (LTM)
International Personal P&L
In the most recent fiscal year, International Personal reported revenue of $901M and net income of $73M.
International Personal expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $827M | XXX | $901M | XXX | XXX | XXX |
| Net Profit | $73M | XXX | $73M | XXX | XXX | XXX |
| Net Margin | 9% | XXX | 8% | XXX | XXX | XXX |
| Net Debt | — | — | $794M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
International Personal Stock Performance
International Personal has current market cap of $734M, and enterprise value of $2B.
Market Cap Evolution
International Personal's stock price is $3.34.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $2B | $734M | 0.0% | XXX | XXX | XXX | $0.33 |
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Start Free TrialInternational Personal Valuation Multiples
International Personal trades at 1.9x EV/Revenue multiple.
EV / Revenue (LTM)
International Personal Financial Valuation Multiples
As of April 20, 2026, International Personal has market cap of $734M and EV of $2B.
Equity research analysts estimate International Personal's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
International Personal has a P/E ratio of 10.0x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $734M | XXX | $734M | XXX | XXX | XXX |
| EV (current) | $2B | XXX | $2B | XXX | XXX | XXX |
| EV/Revenue | 1.9x | XXX | 1.8x | XXX | XXX | XXX |
| P/E | 10.0x | XXX | 10.0x | XXX | XXX | XXX |
| EV/FCF | — | XXX | (29.8x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified International Personal Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
International Personal Margins & Growth Rates
International Personal's revenue in the last fiscal year grew by 2%.
International Personal's revenue per employee in the last FY averaged $0.1M, while opex per employee averaged $0.1M for the same period.
International Personal Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | — | XXX | 2% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.1M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.1M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 47% | XXX | XXX | XXX |
| Opex to Revenue | — | XXX | 68% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
International Personal Public Comps
See public comps and valuation multiples for other Consumer Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| International Personal | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| World Acceptance | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| Heartland Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Green Dot | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
International Personal M&A Activity
International Personal acquired XXX companies to date.
Last acquisition by International Personal was on XXXXXXXX, XXXXX. International Personal acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by International Personal
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialInternational Personal Investment Activity
International Personal invested in XXX companies to date.
International Personal made its latest investment on XXXXXXXX, XXXXX. International Personal invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by International Personal
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout International Personal
| When was International Personal founded? | International Personal was founded in 2006. |
| Where is International Personal headquartered? | International Personal is headquartered in United Kingdom. |
| How many employees does International Personal have? | As of today, International Personal has over 8K employees. |
| Who is the CEO of International Personal? | International Personal's CEO is Gerard Jude Ryan. |
| Is International Personal publicly listed? | Yes, International Personal is a public company listed on London Stock Exchange. |
| What is the stock symbol of International Personal? | International Personal trades under IPF ticker. |
| When did International Personal go public? | International Personal went public in 2007. |
| Who are competitors of International Personal? | International Personal main competitors are Liberty Financial Group, World Acceptance, Latitude Financial Services, Heartland Group. |
| What is the current market cap of International Personal? | International Personal's current market cap is $734M. |
| What is the current revenue of International Personal? | International Personal's last 12 months revenue is $827M. |
| What is the current EV/Revenue multiple of International Personal? | Current revenue multiple of International Personal is 1.9x. |
| Is International Personal profitable? | Yes, International Personal is net-income-positive (as of the last 12 months). |
| What is the current net income of International Personal? | International Personal's last 12 months net income is $73M. |
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