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International Personal Finance plc
IPF.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £737.50M | 7.3% | £53.84M | -£11.80M | N/A |
| 2027 | £834.85M | 7.3% | £60.94M | -£13.36M | -£12.14M |
| 2028 | £945.05M | 7.3% | £68.99M | -£15.12M | -£12.50M |
| 2029 | £1.07B | 7.3% | £78.10M | -£17.12M | -£12.86M |
| 2030 | £1.21B | 7.3% | £88.40M | -£19.38M | -£13.23M |
| 2031 | £1.37B | 7.3% | £100.07M | -£21.93M | -£13.62M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.24 | 2025-12-31 |
| EPS growth | -7.4% | Forecast years: 5 |
| Future EPS | £0.163 | EPS × (1 + G)^5 |
| Base P/E | 9.4 | P/E |
| Future price | £1.536 | Future EPS × P/E |
| Fair value today | £0.954 | PV @ 10.0% |
| 30% safety price | £0.668 | Margin of safety |
| 50% safety price | £0.477 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -£428.789 | -£444.263 | -£465.365 |
| 10.0% | -£413.194 | -£424.603 | -£439.522 |
| 11.0% | -£400.907 | -£409.594 | -£420.597 |