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1. Company Snapshot

1.a. Company Description

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.

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1.b. Last Insights on IPF

International Personal Finance plc's recent performance was buoyed by a stable macroeconomic environment, as evidenced by the FTSE 100 index closing up 0.62 of a point at 9,136.94. The company's resilience in a potentially volatile market was further underscored by the likelihood of a US rate hold, which may have contributed to a sense of market stability. Additionally, the company's recent focus on cost optimization and operational efficiency may have helped mitigate any potential headwinds.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Exploring 3 Promising Undervalued Small Caps With Insider Buying In Global

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (2.77%)

6. Segments

European Home Credit

Expected Growth: 2.5%

European Home Credit's 2.5% growth is driven by increasing demand for consumer credit, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digitalization, cost optimization, and risk management has improved operational efficiency, contributing to sustainable growth.

Mexico Home Credit

Expected Growth: 2.8%

Mexico Home Credit's 2.8% growth is driven by increasing demand for consumer credit, rising middle-class income, and government initiatives to promote financial inclusion. Additionally, International Personal Finance plc's strategic expansion into new regions and digitalization of services have contributed to the growth.

International Personal Finance Digital

Expected Growth: 3.5%

International Personal Finance Digital's 3.5% growth is driven by increasing online lending demand, expansion into new markets, and strategic partnerships. Additionally, investments in digital platforms and data analytics have improved operational efficiency, reduced costs, and enhanced customer experience, contributing to the segment's growth.

7. Detailed Products

Home Credit

Home Credit is a consumer finance product that provides loans to individuals for various purposes such as home improvement, debt consolidation, and other personal expenses.

Small Loans

Small Loans are short-term, unsecured loans that provide customers with quick access to cash for unexpected expenses or financial emergencies.

Mortgage Loans

Mortgage Loans are long-term loans that enable customers to purchase or refinance a property, with flexible repayment terms and competitive interest rates.

Insurance Products

Insurance Products offer customers protection against unforeseen events, such as accidents, illnesses, or death, providing financial security for themselves and their loved ones.

Savings and Deposits

Savings and Deposits products provide customers with a safe and secure way to save money, earn interest, and access their funds when needed.

8. International Personal Finance plc's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for International Personal Finance plc is medium due to the presence of alternative financial services providers.

Bargaining Power Of Customers

The bargaining power of customers for International Personal Finance plc is low due to the lack of negotiating power of individual customers.

Bargaining Power Of Suppliers

The bargaining power of suppliers for International Personal Finance plc is medium due to the presence of multiple suppliers and the company's dependence on them.

Threat Of New Entrants

The threat of new entrants for International Personal Finance plc is high due to the low barriers to entry and the attractiveness of the financial services industry.

Intensity Of Rivalry

The intensity of rivalry for International Personal Finance plc is high due to the presence of multiple competitors and the high level of competition in the financial services industry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 50.89%
Debt Cost 10.44%
Equity Weight 49.11%
Equity Cost 10.44%
WACC 10.44%
Leverage 103.63%

11. Quality Control: International Personal Finance plc passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
IPF

A-Score: 6.5/10

Value: 9.0

Growth: 3.4

Quality: 5.4

Yield: 8.8

Momentum: 8.5

Volatility: 3.7

1-Year Total Return ->

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Stock-Card
H&T

A-Score: 6.3/10

Value: 5.2

Growth: 6.3

Quality: 6.4

Yield: 5.0

Momentum: 10.0

Volatility: 4.7

1-Year Total Return ->

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Stock-Card
S&U

A-Score: 6.1/10

Value: 7.7

Growth: 5.6

Quality: 7.6

Yield: 8.8

Momentum: 3.5

Volatility: 3.7

1-Year Total Return ->

View Full Report
Stock-Card
BFF Bank

A-Score: 5.9/10

Value: 6.0

Growth: 4.8

Quality: 7.1

Yield: 5.0

Momentum: 6.0

Volatility: 6.3

1-Year Total Return ->

View Full Report
Stock-Card
Resurs Holding

A-Score: 5.4/10

Value: 5.5

Growth: 5.2

Quality: 3.9

Yield: 5.0

Momentum: 9.0

Volatility: 4.0

1-Year Total Return ->

View Full Report
Stock-Card
Intrum

A-Score: 4.4/10

Value: 9.1

Growth: 2.1

Quality: 2.8

Yield: 5.0

Momentum: 7.5

Volatility: 0.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

2.04$

Current Price

2.04$

Potential

-0.00%

Expected Cash-Flows