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IPF  INTERNATIONAL PERSONAL FINANCE PLC  ORD 10P
INTER. PERS.  Currency GBX  Premium Equity Commercial Companies
Company
Market
Market



Income Statement  (£ m) 31-Dec-12 31-Dec-11 31-Dec-10 31-Dec-09 31-Dec-08
Continuing Operations
Revenue  651.70 649.50 608.70 550.20 557.10
Operating Profit/(Loss)  131.90 143.40 88.20 61.70 76.30
Net Interest  41.60 42.90 40.70 30.90 29.10
Profit Before Tax  90.30 100.50 88.20 61.70 76.30
Profit After Tax  74.10 76.50 59.20 45.60 55.10
Discontinued Operations
Profit After Tax  0.00 0.00 0.00 -6.00 -4.50
PROFIT FOR THE PERIOD  74.10 76.50 59.20 39.60 50.60
Attributable to:
Minority Interests  0.00 0.00 0.00 0.00 0.00
Equity Holders of Parent Company  74.10 76.50 59.20 39.60 50.60
 
Continuing EPS
Earnings per Share - Basic  29.42p 30.17p 23.34p 17.78p 21.48p
Earnings per Share - Diluted  28.63p 29.57p 23.09p 17.67p 21.45p
Earnings per Share - Adjusted  27.60p 30.17p 24.57p 17.78p 21.48p
Continuing and Discontinued EPS
Earnings per Share - Basic  29.42p 30.17p 23.34p 12.78p 19.73p
Earnings per Share - Diluted  28.63p 29.57p 23.09p 12.70p 19.70p
Earnings per Share - Adjusted  27.60p 30.17p 24.57p 15.44p 19.73p
 
Dividend per Share  7.33p 6.74p 5.93p 5.70p 5.15p

Balance Sheet  (£ m) 31-Dec-12 31-Dec-11 31-Dec-10 31-Dec-09 31-Dec-08
Assets
Non-Current Assets
Property, Plant & Equipment  28.30 30.60 35.70 39.50 52.40
Intangible Assets  3.20 3.60 6.80 11.40 17.50
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  57.10 50.10 48.50 46.50 37.50
  88.60 84.30 91.00 97.40 107.40
Current Assets
Inventories  0.00 0.00 0.00 0.00 0.00
Trade & Other Receivables  644.60 574.40 580.10 531.20 571.40
Cash at Bank & in Hand  24.20 17.90 23.50 31.20 62.20
Current Asset Investments  0.00 10.00 0.00 0.00 1.70
Other Current Assets  23.10 5.10 8.10 10.70 22.20
  691.90 607.40 611.70 573.10 657.50
 
Total Assets  780.50 691.70 702.70 670.50 764.90
 
Liabilities
Current Liabilities
Borrowings  -16.40 -6.40 -19.50 -111.60 -1.20
Other Current Liabilities  -90.70 -83.50 -86.10 -70.60 -70.30
  -107.10 -89.90 -105.60 -182.20 -71.50
 
Net Current Assets  584.80 517.50 506.10 390.90 586.00
 
Non-Current Liabilities
Borrowings  -294.40 -270.10 -284.80 -221.00 -433.10
Provisions  0.00 0.00 0.00 0.00 0.00
Other Non-Current Liabilities  -3.20 -4.00 -3.30 -7.50 -1.50
  -297.60 -274.10 -288.10 -228.50 -434.60
 
Other Liabilities  n/a n/a n/a n/a n/a
Total Liabilities  -404.70 -364.00 -393.70 -410.70 -506.10
 
Net Assets  375.80 327.70 309.00 259.80 258.80
 
Capital & Reserves
Share Capital  24.90 25.70 25.70 25.70 25.70
Share Premium Account  0.00 0.00 0.00 0.00 0.00
Other Reserves  -12.80 -28.00 11.30 8.30 23.40
Retained Earnings  363.70 330.00 272.00 225.80 209.70
Shareholders Funds  375.80 327.70 309.00 259.80 258.80
 
Minority Interests/Other Equity  0.00 0.00 0.00 0.00 0.00
Total Equity  375.80 327.70 309.00 259.80 258.80
Ratios - based on IFRS 31-Dec-12 31-Dec-11 31-Dec-10 31-Dec-09 31-Dec-08
Continuing Operations
PE Ratio - Adjusted  13.51 5.68 15.63 11.70 6.47
PEG - Adjusted  -1.59 0.25 0.41 -0.68 0.09
Earnings per Share Growth - Adjusted  -8.52% 22.79% 38.19% -17.23% 69.94%
Dividend Cover  3.77 4.48 4.14 3.12 4.17
Revenue Per Share  258.71p 2561.12p 240.02p 214.50p 217.19p
Pre-Tax Profit per Share  35.85p 396.29p 34.78p 24.05p 29.75p
Operating Margin  20.24% 22.08% 21.18% 16.83% 18.92%
Return on Capital Employed  19.21% 23.72% 21.14% 15.73% 15.57%
 
Continuing & Discontinued Operations
Dividend Yield  1.97% 3.93% 1.54% 2.74% 3.71%
Dividend per Share Growth  8.75% 13.66% 4.04% 10.68% 171.05%
Net Asset Value per Share (exc. Intangibles)  149.38p 126.00p 117.49p 96.57p 93.81p
Net Gearing  76.26% 78.91% 90.87% 116.01% 143.78%

Data is provided by Morningstar


INTER. PERS. - Fundamentals

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