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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.
2006
8.4K+
LTM Revenue $950M
Last FY EBITDA n/a
$1.4B
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International Personal has a last 12-month revenue (LTM) of $950M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, International Personal achieved revenue of $880M and an EBITDA of n/a.
International Personal expects next 12-month revenue of XXX and NTM EBITDA of XXX
See International Personal valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $950M | XXX | $880M | XXX | XXX | XXX |
| Gross Profit | $353M | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 37% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $209M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 22% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $75.8M | XXX | $81.7M | XXX | XXX | XXX |
| Net Margin | 8% | XXX | 9% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $655M | XXX | XXX | XXX |
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As of September 5, 2025, International Personal's stock price is GBP 2 (or $3).
International Personal has current market cap of GBP 445M (or $597M), and EV of GBP 1.0B (or $1.4B).
See International Personal trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1.4B | $597M | XXX | XXX | XXX | XXX | $0.33 |
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Start Free TrialAs of September 5, 2025, International Personal has market cap of $597M and EV of $1.4B.
International Personal's trades at 1.6x EV/Revenue multiple, and n/a EV/EBITDA.
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 7.9x.
See valuation multiples for International Personal and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $597M | XXX | $597M | XXX | XXX | XXX |
| EV (current) | $1.4B | XXX | $1.4B | XXX | XXX | XXX |
| EV/Revenue | 1.5x | XXX | 1.6x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 6.6x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 3.9x | XXX | n/a | XXX | XXX | XXX |
| P/E | 7.9x | XXX | 7.3x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 1719.8x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialInternational Personal's last 12 month revenue growth is 19%
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's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
International Personal's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for International Personal and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 19% | XXX | 16% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 68% | XXX | XXX | XXX |
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| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Australian Finance Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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International Personal acquired XXX companies to date.
Last acquisition by International Personal was XXXXXXXX, XXXXX XXXXX XXXXXX . International Personal acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was International Personal founded? | International Personal was founded in 2006. |
| Where is International Personal headquartered? | International Personal is headquartered in United Kingdom of Great Britain and Northern Ireland. |
| How many employees does International Personal have? | As of today, International Personal has 8.4K+ employees. |
| Who is the CEO of International Personal? | International Personal's CEO is Mr. Gerard Jude Ryan. |
| Is International Personal publicy listed? | Yes, International Personal is a public company listed on LON. |
| 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? | Similar companies to International Personal include e.g. Australian Finance Group, Credit Clear, Humm Group, Liberty Financial Group. |
| What is the current market cap of International Personal? | International Personal's current market cap is $597M |
| What is the current revenue of International Personal? | International Personal's last 12 months revenue is $950M. |
| What is the current revenue growth of International Personal? | International Personal revenue growth (NTM/LTM) is 19%. |
| What is the current EV/Revenue multiple of International Personal? | Current revenue multiple of International Personal is 1.5x. |
| Is International Personal profitable? | Yes, International Personal is EBITDA-positive (as of the last 12 months). |
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