Fundamental analysis IPF.L (International Personal Finance plc)

Updated on 07/19/2026

We analyzed International Personal Finance stock against the 10 quality criteria of Lubin Investment. The company gets a quality score of 5/10, meaning medium quality.

Sector: Credit Services. Listing: L. Current price: 249.00 GBp.

Lubin scoring methodology

International Personal Finance plc (IPF.L)'s score is calculated automatically from 10 objective financial criteria, with no human intervention or opinion. Each criterion is validated (YES / PARTIAL / NO) based on thresholds drawn from the financial literature (Warren Buffett, Bettin-Mauboussin, Aswath Damodaran). The final score is the sum of validations.

The 10 quantitative criteria analyzed

1. Profitable: positive net margin
2. Growing revenue: revenue growing > 10%/year over 5 years
3. Growing earnings per share: FCF per share adjusted for stock-based compensation, > 10%/year over 5 years
4. Share count under control: stable or declining (net buybacks = value creation for shareholders)
5. Cash profitability: free cash flow margin > 10% of revenue
6. Expanding margins: operating margin widens over 5 years (operating leverage)
7. Return on invested capital: Bettin-Mauboussin Cash ROCE > 15% per year
8. Debt under control: net debt repayable in less than 3 years of free cash flow
9. Earnings converted to cash: free cash flow exceeds accounting net income
10. Net collection period: short or negative cash conversion cycle

Frequently asked questions

Is International Personal Finance a quality stock?

International Personal Finance gets a quality score of 5/10 (medium quality), calculated over the 10 Lubin Investment criteria: profitability, revenue and free cash flow growth, share buybacks, margins, debt and return on capital.

How is International Personal Finance's score calculated?

The score is the total of validated criteria (YES / PARTIAL / NO) using thresholds drawn from the financial literature (Warren Buffett, Mauboussin, Aswath Damodaran), automatically and with no human opinion.

Where to see International Personal Finance's full analysis?

The full interactive analysis (10-criteria detail, history, P/FCF valuation, sector comparisons) is available at https://lubin-investment.com/analyse/IPF.L?lng=en.

Other stocks in the Credit Services sector

• Mastercard (MA) — score 10/10, P/FCF 25.3×
• Firstcash Holdings (FCFS) — score 10/10, P/FCF 16.7×
• Sezzle (SEZL) — score 10/10, P/FCF 16.8×
• Enova International (ENVA) — score 9/10, P/FCF 2.3×
• Medallion Financial (MFIN) — score 9/10, P/FCF 1.8×

Go further

👉 See the full interactive analysis of IPF.L

Other resources : Detailed methodology · All stocks in the Credit Services sector · Stocks rated 10 out of 10 · Top quality companies · Lubin Investment pricing.