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IPF INTERNATIONAL PERSONAL FINANCE PLC ORD 10P

INTER. PERS.  Currency  GBX  Premium Equity Commercial Companies


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

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

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

Data is provided by Morningstar


INTER. PERS. share - fundamentals

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