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Year on year International Personal Finance PLC had net income fall -15.49% from 56.80m to 48.00m despite a 18.95% increase in revenues from 645.50m to 767.80m. An increase in the selling, general and administrative costs as a percentage of sales from 58.64% to 62.29% was a component in the falling net income despite rising revenues.
| Gross margin | 90.51% |
|---|---|
| Net profit margin | 6.45% |
| Operating margin | 11.09% |
| Return on assets | 4.13% |
|---|---|
| Return on equity | 10.39% |
| Return on investment | 5.06% |
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Cash flow in GBPView more
In 2023, cash reserves at International Personal Finance PLC fell by 8.20m. However, the company earned 85.80m from its operations for a Cash Flow Margin of 11.17%. In addition the company used 22.60m on investing activities and also paid 72.70m in financing cash flows.
| Cash flow per share | 0.3277 |
|---|---|
| Price/Cash flow per share | 3.62 |
| Book value per share | 2.12 |
|---|---|
| Tangible book value per share | 1.87 |
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Balance sheet in GBPView more
| Current ratio | 3.58 |
|---|---|
| Quick ratio | -- |
| Total debt/total equity | 1.18 |
|---|---|
| Total debt/total capital | 0.5411 |
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Growth rates in GBP
Year on year, growth in dividends per share increased 11.96% while earnings per share excluding extraordinary items fell by -16.74%. The positive trend in dividend payments is noteworthy since only some companies in the Consumer Financial Services industry pay a dividend. Additionally when measured on a five year annualized basis, both dividend per share and earnings per share growth ranked in-line with the industry average relative to its peers.
| Div yield(5 year avg) | 5.70% |
|---|---|
| Div growth rate (5 year) | -3.64% |
| Payout ratio (TTM) | 33.06% |
| EPS growth(5 years) | -8.90 |
|---|---|
| EPS (TTM) vs TTM 1 year ago | 7.61 |
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