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IPF INTERNATIONAL PERSONAL FINANCE PLC ORD 10P



Income Statement  (£ m) 31-Dec-10 31-Dec-11 31-Dec-12 31-Dec-13 31-Dec-14
Continuing Operations
Revenue  608.70 649.50 651.70 746.80 783.20
Operating Profit/(Loss)  88.20 143.40 131.90 179.50 145.50
Net Interest  40.70 42.90 41.60 49.00 45.30
Profit Before Tax  88.20 100.50 90.30 130.50 100.20
Profit After Tax  59.20 76.50 74.10 95.60 71.80
Discontinued Operations
Profit After Tax  0.00 0.00 0.00 0.00 0.00
PROFIT FOR THE PERIOD  59.20 76.50 74.10 95.60 71.80
Attributable to:
Minority Interests  0.00 0.00 0.00 0.00 0.00
Equity Holders of Parent Company  59.20 76.50 74.10 95.60 71.80
 
Continuing EPS
Earnings per Share - Basic  23.34p 30.17p 29.42p 39.20p 30.20p
Earnings per Share - Diluted  23.09p 29.57p 28.63p 38.10p 29.40p
Earnings per Share - Adjusted  24.57p 30.17p 27.60p 35.50p 38.00p
Continuing and Discontinued EPS
Earnings per Share - Basic  23.34p 30.17p 29.42p 39.20p 30.20p
Earnings per Share - Diluted  23.09p 29.57p 28.63p 38.10p 29.40p
Earnings per Share - Adjusted  24.57p 30.17p 27.60p 35.50p 38.00p
 
Dividend per Share  5.93p 6.74p 7.33p 8.30p 9.70p

Balance Sheet  (£ m) 31-Dec-10 31-Dec-11 31-Dec-12 31-Dec-13 31-Dec-14
Assets
Non-Current Assets
Property, Plant & Equipment  35.70 30.60 28.30 28.80 28.20
Intangible Assets  6.80 3.60 3.20 1.80 10.10
Investment Properties  0.00 0.00 0.00 0.00 0.00
Investments  0.00 0.00 0.00 0.00 0.00
Other Financial Assets  0.00 0.00 0.00 0.00 0.00
Other Non-Current Assets  48.50 50.10 57.10 65.20 73.70
  91.00 84.30 88.60 95.80 112.00
Current Assets
Inventories  0.00 0.00 0.00 0.00 0.00
Trade & Other Receivables  580.10 574.40 644.60 754.80 739.60
Cash at Bank & in Hand  23.50 17.90 24.20 24.60 68.80
Current Asset Investments  0.00 10.00 0.00 6.50 5.80
Other Current Assets  8.10 5.10 23.10 45.70 36.60
  611.70 607.40 691.90 831.60 850.80
 
Total Assets  702.70 691.70 780.50 927.40 962.80
 
Liabilities
Current Liabilities
Borrowings  -19.50 -6.40 -16.40 -14.40 -73.70
Other Current Liabilities  -86.10 -83.50 -90.70 -132.10 -120.90
  -105.60 -89.90 -107.10 -146.50 -194.60
 
Net Current Assets  506.10 517.50 584.80 685.10 656.20
 
Non-Current Liabilities
Borrowings  -284.80 -270.10 -294.40 -386.10 -404.60
Provisions  0.00 0.00 0.00 0.00 0.00
Other Non-Current Liabilities  -3.30 -4.00 -3.20 -0.90 -2.00
  -288.10 -274.10 -297.60 -387.00 -406.60
 
Other Liabilities  n/a n/a n/a n/a n/a
Total Liabilities  -393.70 -364.00 -404.70 -533.50 -601.20
 
Net Assets  309.00 327.70 375.80 393.90 361.60
 
Capital & Reserves
Share Capital  25.70 25.70 24.90 24.00 24.00
Share Premium Account  0.00 0.00 0.00 0.00 0.00
Other Reserves  11.30 -28.00 -12.80 -14.50 -96.00
Retained Earnings  272.00 330.00 363.70 384.40 433.60
Shareholders Funds  309.00 327.70 375.80 393.90 361.60
 
Minority Interests/Other Equity  0.00 0.00 0.00 0.00 0.00
Total Equity  309.00 327.70 375.80 393.90 361.60

Ratios - based on IFRS 31-Dec-10 31-Dec-11 31-Dec-12 31-Dec-13 31-Dec-14
Continuing Operations
PE Ratio - Adjusted  15.63 5.68 13.51 14.03 11.83
PEG - Adjusted  0.41 0.25 -1.59 0.49 1.68
Earnings per Share Growth - Adjusted  38.19% 22.79% -8.52% 28.62% 7.04%
Dividend Cover  4.14 4.48 3.77 4.28 3.92
Revenue Per Share  240.02p 2561.12p 258.71p 306.07p 329.63p
Pre-Tax Profit per Share  34.78p 396.29p 35.85p 53.48p 42.17p
Operating Margin  21.18% 22.08% 20.24% 24.04% 18.58%
Return on Capital Employed  21.14% 23.72% 19.21% 22.62% 17.49%
 
Continuing & Discontinued Operations
Dividend Yield  1.54% 3.93% 1.97% 1.67% 2.16%
Dividend per Share Growth  4.04% 13.66% 8.75% 13.23% 16.87%
Net Asset Value per Share (exc. Intangibles)  117.49p 126.00p 149.38p 163.58p 151.82p
Net Gearing  90.87% 78.91% 76.26% 95.43% 113.25%

Data is provided by Morningstar


Company Information
Updated Monthly
Company address 3 Leeds City Office Park, Meadow Lane, Leeds, LS11 5BD, United Kingdom
Company website http://www.ipfin.co.uk
Market cap(in millions)* £ 928.72
Listing/Admission to trading 16 Jul 2007
Trading service SETS
Market MAINMARKET
Listing category Premium Equity Commercial Companies
*The market capitalisation of companies reflects the London listed element only. These figures are approximate and are updated monthly.

Trading Information
28-Aug-15
FTSE index FTSE All-Share,FTSE 350 Low Yield,FTSE 250,FTSE All-Share (ex IT),FTSE 350 (ex IT),FTSE MID 250 (ex IT),FTSE 350
FTSE sector Financial Services
FTSE sub-sector Consumer Finance
Country of share register GB
Segment STMM
MiFID Status Regulated Market
Exchange market size 5,000
SEDOL B1YKG04
ISIN number GB00B1YKG049



INTER. PERS. share - fundamentals