🎉 M&A multiples are live!
Check it out!

International Personal Valuation Multiples

Discover revenue and EBITDA valuation multiples for International Personal and similar public comparables like EarlyPay, COG Financial Services, and Credit Clear.

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

United Kingdom of Great Britain and Northern Ireland
Employees

8.4K+

Website

ipfin.co.uk

Financials

LTM Revenue $970M

Last FY EBITDA n/a

EV

$1.4B

Valuation Multiples

Multiples.vc

Sign up to see

Valuation Multiples for 15K+ Public Comps

Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.

International Personal Financials

As of September 2025, International Personal reported last 12-month revenue of $970M.

In the same period, International Personal generated $377M in LTM gross profit and $74.2M in net income.

See International Personal valuation multiples based on analyst estimates

International Personal P&L

In the most recent fiscal year, International Personal reported revenue of $874M.

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 $970M XXX $874M XXX XXX XXX
Gross Profit $377M XXX n/a XXX XXX XXX
Gross Margin 39% 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 $207M XXX n/a XXX XXX XXX
EBIT Margin 21% XXX n/a XXX XXX XXX
Net Profit $74.2M XXX $81.2M XXX XXX XXX
Net Margin 8% XXX 9% XXX XXX XXX
Net Debt XXX XXX $651M XXX XXX XXX

Financial data powered by Morningstar, Inc.

International Personal Stock Performance

International Personal has current market cap of GBP 454M (or $605M), and EV of GBP 1.0B (or $1.4B).

Market Cap Evolution

International Personal Stock Data

As of October 20, 2025, International Personal's stock price is GBP 2 (or $3).

See International Personal trading valuation data
EV Market Cap Price 1D Price 1M Price 3M Price 12M EPS
$1.4B $605M XXX XXX XXX XXX $0.33

Benchmark Trading Valuation Multiples by Industry

Sign up to access valuation multiples like growth-adjusted P/E, next 12-month EV/Revenue, EBITDA multiples by industry and many more

Start Free Trial

International Personal Valuation Multiples

International Personal's trades at 1.6x EV/Revenue multiple, and n/a EV/EBITDA.

See valuation multiples for International Personal and 15K+ public comps

International Personal Financial Valuation Multiples

As of October 20, 2025, International Personal has market cap of $605M and EV of $1.4B.

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 8.1x.

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Market cap (current) $605M XXX $605M XXX XXX XXX
EV (current) $1.4B XXX $1.4B XXX XXX XXX
EV/Revenue 1.4x XXX 1.6x XXX XXX XXX
EV/EBITDA n/a XXX n/a XXX XXX XXX
EV/EBIT 6.7x XXX n/a XXX XXX XXX
EV/Gross Profit 3.7x XXX n/a XXX XXX XXX
P/E 8.1x XXX 7.4x XXX XXX XXX
EV/FCF n/a XXX 1734.4x XXX XXX XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

Get International Personal Valuation Multiples

Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.

Start Free Trial

International Personal Margins & Growth Rates

International Personal's last 12 month revenue growth is 18%

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

International Personal Operational Valuation Multiples

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Revenue Growth 18% 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

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

Valuation Multiples Across 220+ Verticals

Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!

Digital Therapeutics
Pharma Analytics
Private Equity
ERP Software
Developer Tools
Consumer SaaS
Streaming Platforms

International Personal Public Comps

See public comps and valuation multiples for Lending Solutions comps
EV/Revenue EV/EBITDA
2025E 2026E 2027E 2025E 2026E 2027E
Australian Finance Group XXX XXX XXX XXX XXX XXX
Credit Corp Gr XXX XXX XXX XXX XXX XXX
Credit Clear XXX XXX XXX XXX XXX XXX
COG Financial Services XXX XXX XXX XXX XXX XXX
EarlyPay 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 and Investment Activity

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

Latest Acquisitions by International Personal

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

Get Verified M&A Valuation Multiples

Sign up to see revenue and EBITDA valuation multiples for 65K+ M&A deals.

Start Free Trial

About 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 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 Corp Gr, Credit Clear, COG Financial Services.
What is the current market cap of International Personal? International Personal's current market cap is $605M
What is the current revenue of International Personal? International Personal's last 12 months revenue is $970M.
What is the current revenue growth of International Personal? International Personal revenue growth (NTM/LTM) is 18%.
What is the current EV/Revenue multiple of International Personal? Current revenue multiple of International Personal is 1.4x.
Is International Personal profitable? Yes, International Personal is EBITDA-positive (as of the last 12 months).

Join Now Or Talk To Us

Get access to always up-to-date, precisely categorized 70K+ public and private valuation multiples, across tech and beyond.