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IPF INTERNATIONAL PERSONAL FINANCE PLC ORD 10P



Income Statement  (£ m) 31-Dec-11 31-Dec-12 31-Dec-13 31-Dec-14 31-Dec-15
Continuing Operations
Revenue  649.50 651.70 746.80 783.20 735.40
Operating Profit/(Loss)  143.40 131.90 179.50 168.80 141.80
Net Interest  42.90 41.60 49.00 45.30 41.60
Profit Before Tax  100.50 90.30 130.50 100.20 100.20
Profit After Tax  76.50 74.10 95.60 71.80 62.50
Discontinued Operations
Profit After Tax  0.00 0.00 0.00 0.00 0.00
PROFIT FOR THE PERIOD  76.50 74.10 95.60 71.80 62.50
Attributable to:
Minority Interests  0.00 0.00 0.00 0.00 0.00
Equity Holders of Parent Company  76.50 74.10 95.60 71.80 62.50
 
Continuing EPS
Earnings per Share - Basic  30.17p 29.42p 39.20p 30.20p 27.30p
Earnings per Share - Diluted  29.57p 28.63p 38.10p 29.40p 26.60p
Earnings per Share - Adjusted  30.17p 27.60p 35.50p 38.00p 37.10p
Continuing and Discontinued EPS
Earnings per Share - Basic  30.17p 29.42p 39.20p 30.20p 27.30p
Earnings per Share - Diluted  29.57p 28.63p 38.10p 29.40p 26.60p
Earnings per Share - Adjusted  30.17p 27.60p 35.50p 38.00p 37.10p
 
Dividend per Share  6.74p 7.33p 8.30p 9.70p 12.40p

Balance Sheet  (£ m) 31-Dec-11 31-Dec-12 31-Dec-13 31-Dec-14 31-Dec-15
Assets
Non-Current Assets
Property, Plant & Equipment  30.60 28.30 28.80 28.20 24.30
Intangible Assets  3.60 3.20 1.80 10.10 45.70
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  50.10 57.10 65.20 81.10 82.20
  84.30 88.60 95.80 119.40 152.20
Current Assets
Inventories  0.00 0.00 0.00 0.00 0.00
Trade & Other Receivables  574.40 644.60 754.80 776.20 818.50
Cash at Bank & in Hand  17.90 24.20 24.60 68.80 39.90
Current Asset Investments  10.00 0.00 6.50 5.80 11.50
Other Current Assets  5.10 23.10 45.70 0.00 0.00
  607.40 691.90 831.60 850.80 869.90
 
Total Assets  691.70 780.50 927.40 970.20 1022.10
 
Liabilities
Current Liabilities
Borrowings  -6.40 -16.40 -14.40 -73.70 -22.30
Other Current Liabilities  -83.50 -90.70 -132.10 -120.90 -129.20
  -89.90 -107.10 -146.50 -194.60 -151.50
 
Net Current Assets  517.50 584.80 685.10 656.20 718.40
 
Non-Current Liabilities
Borrowings  -270.10 -294.40 -386.10 -404.60 -534.60
Provisions  0.00 0.00 0.00 -7.40 -8.60
Other Non-Current Liabilities  -4.00 -3.20 -0.90 -2.00 -0.20
  -274.10 -297.60 -387.00 -414.00 -543.40
 
Other Liabilities  n/a n/a n/a n/a n/a
Total Liabilities  -364.00 -404.70 -533.50 -608.60 -694.90
 
Net Assets  327.70 375.80 393.90 361.60 327.20
 
Capital & Reserves
Share Capital  25.70 24.90 24.00 24.00 23.40
Share Premium Account  0.00 0.00 0.00 0.00 0.00
Other Reserves  -28.00 -12.80 -14.50 -96.00 -135.80
Retained Earnings  330.00 363.70 384.40 433.60 439.60
Shareholders Funds  327.70 375.80 393.90 361.60 327.20
 
Minority Interests/Other Equity  0.00 0.00 0.00 0.00 0.00
Total Equity  327.70 375.80 393.90 361.60 327.20

Ratios - based on IFRS 31-Dec-11 31-Dec-12 31-Dec-13 31-Dec-14 31-Dec-15
Continuing Operations
PE Ratio - Adjusted  5.68 13.51 14.03 11.83 7.79
PEG - Adjusted  0.25 -1.59 0.49 1.68 -3.29
Earnings per Share Growth - Adjusted  22.79% -8.52% 28.62% 7.04% -2.37%
Dividend Cover  4.48 3.77 4.28 3.92 2.99
Revenue Per Share  2561.12p 258.71p 306.07p 329.63p 321.00p
Pre-Tax Profit per Share  396.29p 35.85p 53.48p 42.17p 43.74p
Operating Margin  22.08% 20.24% 24.04% 18.58% 19.28%
Return on Capital Employed  23.72% 19.21% 22.62% 17.34% 16.74%
 
Continuing & Discontinued Operations
Dividend Yield  3.93% 1.97% 1.67% 2.16% 4.29%
Dividend per Share Growth  13.66% 8.75% 13.23% 16.87% 27.84%
Net Asset Value per Share (exc. Intangibles)  126.00p 149.38p 163.58p 151.82p 127.39p
Net Gearing  78.91% 76.26% 95.43% 113.25% 158.01%

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)* £ 605.68
Listing/Admission to trading 16 Jul 2007
Trading service SETS
Market Main Market
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
31-Aug-16
FTSE index FTSE All-Share,FTSE 350 High 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 (IPF)