See more : Vonovia SE (VONOY) Income Statement Analysis – Financial Results
Complete financial analysis of International Personal Finance plc (IPF.L) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of International Personal Finance plc, a leading company in the Financial – Credit Services industry within the Financial Services sector.
- Carabao Group Public Company Limited (CBG.BK) Income Statement Analysis – Financial Results
- Subaru Corporation (FUJHY) Income Statement Analysis – Financial Results
- Bitmis Corp. (BIMT) Income Statement Analysis – Financial Results
- Holdco Nuvo Group D.G Ltd. Ordinary Shares (NUVO) Income Statement Analysis – Financial Results
- Robert Half International Inc. (RHI) Income Statement Analysis – Financial Results
International Personal Finance plc (IPF.L)
About International Personal Finance plc
International Personal Finance plc, together with its subsidiaries, provides consumer credit in Europe and Mexico. The company offers home credit products, such as money transfer loans direct to bank account, cash and microbusiness loans, home, medical and life insurances, and repayments services. It also offers digital business services comprising of instalment loans and repayment schedules, credit line products, and mobile wallet payments. The company offers its products under the Provident, Credit24, hapiloans, and Creditea brands. International Personal Finance plc was founded in 1997 and is headquartered in Leeds, the United Kingdom.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 767.80M | 577.40M | 494.70M | 614.50M | 825.60M | 807.90M | 770.60M | 716.30M | 693.80M | 737.90M | 697.80M | 610.10M | 649.50M | 608.70M | 550.20M | 557.10M | 409.80M | 365.30M |
| Cost of Revenue | 169.40M | 106.70M | 56.20M | 247.60M | 243.50M | 227.00M | 201.10M | 184.90M | 188.90M | 220.00M | 198.60M | 176.20M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 598.40M | 470.70M | 438.50M | 366.90M | 582.10M | 580.90M | 569.50M | 531.40M | 504.90M | 517.90M | 499.20M | 433.90M | 649.50M | 608.70M | 550.20M | 557.10M | 409.80M | 365.30M |
| Gross Profit Ratio | 77.94% | 81.52% | 88.64% | 59.71% | 70.51% | 71.90% | 73.90% | 74.19% | 72.77% | 70.19% | 71.54% | 71.12% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.12 | 0.12 | -0.06 | 0.13 | 0.13 | 0.13 | 0.13 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 308.90M | 271.80M | 259.40M | 296.40M | 330.80M | 330.80M | 328.70M | 305.50M | 277.60M | 274.40M | 268.60M | 238.50M | 241.30M | 220.90M | 207.30M | 212.70M | 175.70M | 0.00 |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 308.90M | 271.80M | 259.40M | 296.40M | 330.80M | 330.80M | 328.70M | 305.50M | 277.60M | 274.40M | 268.60M | 238.50M | 241.30M | 220.90M | 207.30M | 212.70M | 175.70M | 0.00 |
| Other Expenses | 0.00 | 121.50M | 111.40M | 108.70M | 137.30M | 140.80M | -135.20M | -130.70M | -116.80M | -120.00M | -112.50M | -100.30M | 310.70M | 302.80M | 281.50M | 268.20M | 184.50M | 223.60M |
| Operating Expenses | 308.90M | 393.30M | 370.80M | 405.10M | 468.10M | 471.60M | 463.90M | 436.20M | 394.40M | 394.40M | 381.10M | 338.80M | 506.10M | 476.90M | 457.60M | 451.70M | 426.50M | 223.60M |
| Cost & Expenses | 478.30M | 393.30M | 370.80M | 405.10M | 468.10M | 471.60M | 463.90M | 436.20M | 394.40M | 394.40M | 381.10M | 338.80M | 506.10M | 476.90M | 457.60M | 451.70M | 426.50M | 223.60M |
| Interest Income | 767.80M | 645.50M | 548.70M | 671.20M | 889.10M | 866.40M | 825.80M | 763.40M | 735.40M | 783.20M | 746.80M | 651.70M | 42.90M | 40.70M | 30.90M | 29.10M | 22.30M | 24.00M |
| Interest Expense | 76.90M | 68.10M | 54.00M | 56.70M | 63.50M | 58.50M | 55.20M | 47.10M | 41.60M | 45.30M | 49.00M | 41.60M | 42.90M | 40.70M | 30.90M | 29.10M | 22.30M | 24.00M |
| Depreciation & Amortization | 29.30M | 500.10M | 426.60M | 637.40M | 711.10M | 756.60M | 716.90M | 659.30M | 15.40M | 11.30M | 10.70M | 11.70M | 14.80M | 16.50M | 18.40M | 17.70M | 13.00M | 7.20M |
| EBITDA | 190.10M | 151.70M | 150.80M | 0.00 | 210.40M | 177.00M | 182.50M | 161.70M | 173.10M | 134.90M | 180.90M | 106.60M | 118.30M | 111.50M | 79.80M | 88.00M | 62.60M | 48.80M |
| EBITDA Ratio | 24.76% | 29.93% | 19.49% | 0.37% | 17.73% | 23.70% | 22.59% | 22.17% | 22.66% | 21.25% | 27.26% | 23.54% | 24.36% | 23.89% | 17.85% | 21.29% | 20.08% | 18.01% |
| Operating Income | 289.50M | 145.50M | 67.70M | -40.70M | 114.00M | 167.80M | 152.40M | 139.70M | 141.80M | 145.50M | 179.50M | 131.90M | 143.40M | 128.90M | 92.60M | 105.40M | 69.30M | 34.60M |
| Operating Income Ratio | 37.71% | 25.20% | 13.69% | -6.62% | 13.81% | 20.77% | 19.78% | 19.50% | 20.44% | 19.72% | 25.72% | 21.62% | 22.08% | 21.18% | 16.83% | 18.92% | 16.91% | 9.47% |
| Total Other Income/Expenses | -205.60M | -189.60M | -83.10M | -5.60M | -96.40M | -199.30M | -76.90M | -65.70M | -72.90M | -34.70M | -149.10M | -46.40M | -3.00M | -6.80M | 300.00K | -29.10M | -2.60M | -7.00M |
| Income Before Tax | 83.90M | 77.40M | 67.70M | -40.70M | 114.00M | 109.30M | 105.60M | 92.60M | 100.20M | 100.20M | 130.50M | 90.30M | 100.50M | 88.20M | 61.70M | 76.30M | 47.00M | 34.60M |
| Income Before Tax Ratio | 10.93% | 13.40% | 13.69% | -6.62% | 13.81% | 13.53% | 13.70% | 12.93% | 14.44% | 13.58% | 18.70% | 14.80% | 15.47% | 14.49% | 11.21% | 13.70% | 11.47% | 9.47% |
| Income Tax Expense | 35.90M | 20.60M | 25.80M | 23.50M | 42.20M | 33.90M | 60.60M | 25.70M | 37.70M | 28.40M | 34.90M | 16.20M | 24.00M | 29.00M | 16.10M | 21.20M | 14.50M | 11.60M |
| Net Income | 48.00M | 56.80M | 41.90M | -64.20M | 71.80M | 75.40M | 36.60M | 66.90M | 62.50M | 71.80M | 95.60M | 74.10M | 76.50M | 59.20M | 32.80M | 50.60M | 32.50M | 23.00M |
| Net Income Ratio | 6.25% | 9.84% | 8.47% | -10.45% | 8.70% | 9.33% | 4.75% | 9.34% | 9.01% | 9.73% | 13.70% | 12.15% | 11.78% | 9.73% | 5.96% | 9.08% | 7.93% | 6.30% |
| EPS | 0.20 | 0.26 | 0.19 | -0.29 | 0.32 | 0.34 | 0.17 | 0.30 | 0.27 | 0.30 | 0.39 | 0.29 | 0.30 | 0.23 | 0.13 | 0.20 | 0.13 | 0.09 |
| EPS Diluted | 0.20 | 0.24 | 0.18 | -0.29 | 0.30 | 0.32 | 0.16 | 0.29 | 0.27 | 0.29 | 0.38 | 0.29 | 0.30 | 0.23 | 0.13 | 0.20 | 0.13 | 0.09 |
| Weighted Avg Shares Out | 237.62M | 222.20M | 223.20M | 222.40M | 223.10M | 223.00M | 222.40M | 221.20M | 229.10M | 237.60M | 244.00M | 251.90M | 253.60M | 253.60M | 256.50M | 256.50M | 257.20M | 257.20M |
| Weighted Avg Shares Out (Dil) | 237.50M | 234.00M | 235.30M | 222.40M | 237.10M | 234.10M | 231.40M | 227.50M | 235.40M | 244.40M | 251.10M | 258.80M | 258.70M | 256.40M | 258.10M | 256.90M | 257.53M | 257.50M |
Source: https://incomestatements.info
Category: Stock Reports