profit from every £100 of sales.
£0£100
International Personal Finance
We have no price for International Personal Finance since 4 August 2026. It may have been taken over, merged or renamed, so the figures below are from then.
£2.50+0.00% today
+20.8% since Oct 12, 25
1-year low £2.021-year high £2.55
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay £10.45 for every £1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What International Personal Finance sold, what it kept, and what it did with the cash.
Sales went from £577 million in 2022 to £666 million in 2025, with £54.2 million of profit last year.
SalesProfit
International Personal Finance vs. similar companies
International Personal Finance grows the slowest of these 5 and is the cheapest for its profits.
| Company | Profit from £100 of sales | Sales growth a year | Price per £1 of profit |
|---|---|---|---|
| International Personal Finance | 10.4× · Cheap | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 20.0× · Fair price | ||
 Capital One Financial | 48.3× · Expensive |
AI analysis
An AI analyst reads International Personal Finance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 577 | 691 | 656 | 666 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 57 | 48 | 61 | 54 | |
| 0.24 | 0.20 | 0.26 | 0.24 | |
| – | – | – | – | |
| – | – | – | – | |
| 9.8% | 6.9% | 9.3% | 8.1% |
Balance sheet
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,171 | 1,189 | 1,142 | 1,337 |
| Cash | 51 | 43 | 28 | 30 |
| Total debt | 570 | 535 | 536 | 640 |
| Total liabilities | 726 | 687 | 675 | 791 |
| 445 | 502 | 466 | 546 | |
| 234 | 238 | 235 | 230 | |
| – | – | – | – | |
| 12.8% | 9.6% | 13.1% | 9.9% |
Cash flow
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -1 | 86 | 25 | -5 | |
| 24 | 23 | 24 | 35 | |
| -25 | 63 | 1 | -40 | |
| Dividends paid | 19 | 22 | 24 | 26 |
| 0 | 0 | 15 | 0 | |
| 2 | 3 | 2 | 2 |
Valuation
- 10.4×
- –
- –
- 1.0×
- 0.8×
- –
- –
- -7.0%
- 9.6%
- 4.6%
Profitability
- –
- –
- 8.1%
- –
- –
- –
- –
- –
- –
- –
Growth
- +4.9%
- −1.0%
- –
- –
- −0.6%
Financial health
- –
- 1.17
- –
- –
- –
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 30%of 874
Bottom 36%of 887
Bottom 14%of 933
4.6%of the share price, paid each year
On $1,000 invested$46a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
47.6% of its profit
Room to growStretchedMore than it earnsNews
International Tower Hill Mines Ltd. reports Q3 resultsSeeking Alpha · Nov 11, 2026Here’s Why BofA Cut International Flavors & Fragrances (IFF) to UnderperformYahoo Finance · Nov 8, 2026PepsiCo renews partnership with KFC's international marketsSeeking Alpha · Nov 6, 2026SPDW vs EEM: Which International ETF Offers Better Value for Investors Seeking Global Stock Profits?Yahoo Finance · Nov 5, 2026Mercer International plans Chapter 11 filing with $1.1B debt reductionSeeking Alpha · Nov 3, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about International Personal Finance
Is International Personal Finance a good stock to buy?
A solid business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the International Personal Finance AI analysis
What does International Personal Finance do?
International Personal Finance plc, together with its subsidiaries, engages in financial services business in Europe and Mexico. It is in Credit Services, based in Leeds, United Kingdom, with 8,173 employees.
Does International Personal Finance pay a dividend?
Yes. At today's price the dividend is 4.6% a year, about 48% of its yearly profit. In 2025 it paid out £25.8 million in dividends.
Is International Personal Finance stock halal?
No. International Personal Finance does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
Who are International Personal Finance's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with International Personal Finance's.
Prices: daily closes to Aug 4, 2026. Fundamentals: company reports via invest-like data.