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International Personal Finance plc
IPFPFFinancial ServicesOTCGB
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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 | $737.38M | 7.3% | $53.83M | -$11.80M | N/A |
| 2027 | $834.71M | 7.3% | $60.93M | -$13.36M | -$12.14M |
| 2028 | $944.90M | 7.3% | $68.98M | -$15.12M | -$12.49M |
| 2029 | $1.07B | 7.3% | $78.08M | -$17.11M | -$12.86M |
| 2030 | $1.21B | 7.3% | $88.39M | -$19.37M | -$13.23M |
| 2031 | $1.37B | 7.3% | $100.06M | -$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 | -11.1% | Forecast years: 5 |
| Future EPS | $0.133 | EPS × (1 + G)^5 |
| Base P/E | 11.4 | P/E |
| Future price | $1.519 | Future EPS × P/E |
| Fair value today | $0.943 | PV @ 10.0% |
| 30% safety price | $0.66 | Margin of safety |
| 50% safety price | $0.472 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$4.046 | -$4.192 | -$4.391 |
| 10.0% | -$3.899 | -$4.006 | -$4.147 |
| 11.0% | -$3.783 | -$3.865 | -$3.969 |