Financials in USD. Standardized financial statements.
A compact view of how International Personal Finance plc turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $737.38M | $655.90M | $767.80M | $645.50M | $548.70M | $661.30M | $825.60M | $807.90M | $770.60M | $716.30M |
| Revenue Growth? | +12.4% | -14.6% | +18.9% | +17.6% | -17.0% | -19.9% | +2.2% | +4.8% | +7.6% | 0.0% |
| Cost of Revenue? | $28.80M | $0 | $169.40M | $106.70M | $56.20M | $247.60M | $243.50M | $227.00M | $201.10M | $184.90M |
| Gross Profit? | $708.59M | $655.90M | $598.40M | $538.80M | $438.50M | $413.70M | $582.10M | $580.90M | $569.50M | $531.40M |
| Gross Margin? | +96.1% | +100.0% | +77.9% | +83.5% | +79.9% | +62.6% | +70.5% | +71.9% | +73.9% | +74.2% |
| Operating Expenses? | $548.71M | $443.20M | $308.90M | $271.80M | $259.40M | $278.80M | $468.10M | $471.60M | $463.90M | $436.20M |
| Operating Income? | $159.87M | $212.70M | $289.50M | $267.00M | $233.10M | $134.90M | $114.00M | $167.80M | $152.40M | $139.70M |
| EBITDA? | $187.37M | $0 | $167.30M | $151.70M | $127.30M | $33.40M | $210.40M | $177.00M | $182.50M | $161.70M |
| Income Before Tax | $85.29M | $73.30M | $83.90M | $77.40M | $67.70M | -$40.70M | $114.00M | $109.30M | $105.60M | $92.60M |
| Income Tax Expense | $31.09M | $12.40M | $35.90M | $20.60M | $25.80M | $23.50M | $42.20M | $33.90M | $60.60M | $25.70M |
| Net Income? | $54.19M | $60.90M | $48.00M | $56.80M | $41.90M | -$64.20M | $71.80M | $75.40M | $36.60M | $66.90M |
| EPS? | $0.24 | $0.27 | $0.20 | $0.26 | $0.19 | $-0.29 | $0.32 | $0.34 | $0.17 | $0.30 |
| Diluted EPS? | $0.24 | $0.26 | $0.20 | $0.24 | $0.18 | $-0.29 | $0.30 | $0.32 | $0.16 | $0.29 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality