International Personal Finance PLC (DE:3I8)
FRANKFURT:3I8
3I8 Stock Chart & Stats
€2.70
€0.01(0.64%)
At close: 4:00 PM EST
€2.70
€0.01(0.64%)
Day’s Range― - ―
52-Week Range€1.82 - €3.04
Previous CloseN/A
Volume0.00
Average Volume (3M)102.00
Market Cap
€637.99M
Enterprise Value€1.17B
Total Cash (Recent Filing)€30.40M
Total Debt (Recent Filing)€654.50M
Price to Earnings (P/E)10.1
Beta0.22
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.25
Shares Outstanding222,519,060
10 Day Avg. Volume1
30 Day Avg. Volume102
Financial Highlights & Ratios
PEG Ratio-1.27
Price to Book (P/B)0.94
Price to Sales (P/S)0.69
P/FCF Ratio-42.93
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)<0.01
Revenue Forecast (FY)€10.20M
Bulls Say, Bears Say
Bulls Say
Receivables And Customer GrowthSustained lending and receivables growth with receivables topping £1bn indicates durable expansion of the core interest-earning asset base. Scale and rising customer counts diversify revenue sources across markets and support long-term finance income assuming credit performance holds.
Improving Credit Quality And Healthy MarginsA falling impairment rate alongside solid operating margins signals resilient underwriting and profitable lending economics. Improved credit performance materially reduces volatility in provisions and supports sustainable net interest margins and returns over the medium term.
Funding Access And Lowered Funding CostsAccessible facilities, meaningful headroom and a lower blended funding cost enhance liquidity and net interest spread resilience. Reliable funding and stable ratings provide structural capacity to finance receivables growth and absorb short-term portfolio cash flow variability.
Bears Say
Volatile And Weak Cash GenerationInconsistent conversion of earnings into cash increases dependence on external funding and working-capital dynamics. For a consumer-lending franchise this heightens refinancing and liquidity risk, complicates dividend and reinvestment plans, and raises sensitivity to credit-cycle downturns.
Elevated Leverage And Balance Sheet SensitivitySustained leverage narrows the margin for error in a non-prime lending model. Elevated debt-to-equity magnifies losses from deterioration in receivables, limits strategic flexibility, and increases funding cost and refinancing risk if macro or credit conditions worsen.
Regulatory Uncertainty (CCD II)Potential regulatory changes that restrict pricing, fees or acquisition channels are structural risks to lending economics. If enacted, they could compress yields, raise customer acquisition costs and force product redesigns, materially altering long-term revenue and margin assumptions.
International Personal Finance News
3I8 FAQ
What was International Personal Finance PLC’s price range in the past 12 months?
International Personal Finance PLC lowest stock price was €1.82 and its highest was €3.04 in the past 12 months.
What is International Personal Finance PLC’s market cap?
International Personal Finance PLC’s market cap is €637.99M.
When is International Personal Finance PLC’s upcoming earnings report date?
International Personal Finance PLC’s upcoming earnings report date is Jul 29, 2026 which is in 47 days.
How were International Personal Finance PLC’s earnings last quarter?
International Personal Finance PLC released its earnings results on Feb 25, 2026. The company reported €0.123 earnings per share for the quarter, beating the consensus estimate of N/A by €0.123.
Is International Personal Finance PLC overvalued?
According to Wall Street analysts International Personal Finance PLC’s price is currently Overvalued.
Does International Personal Finance PLC pay dividends?
International Personal Finance PLC does not currently pay dividends.
What is International Personal Finance PLC’s EPS estimate?
International Personal Finance PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does International Personal Finance PLC have?
International Personal Finance PLC has 222,519,060 shares outstanding.
What happened to International Personal Finance PLC’s price movement after its last earnings report?
International Personal Finance PLC reported an EPS of €0.123 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 4.422%.
Which hedge fund is a major shareholder of International Personal Finance PLC?
Currently, no hedge funds are holding shares in DE:3I8
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
International Personal Finance Stock Smart Score
Underperform
1
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3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
DE:3I8 Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €7.9M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
54.79%
12-Months-Change
Fundamentals
Return on Equity
10.35%
Trailing 12-Months
Asset Growth
17.13%
Trailing 12-Months
Company Description
International Personal Finance PLC
International Personal Finance plc and its affiliated companies deliver a range of consumer lending services throughout Europe and Mexico. Their offerings encompass traditional home credit options, such as cash advances, small business loans, direct-to-bank account money transfers, and complementary insurance products for home, medical, and life needs, along with repayment administration. Furthermore, they provide contemporary digital financial solutions including installment credit, revolving credit facilities, tailored repayment plans, and mobile wallet payment methods. The company distributes its diverse financial products under brand names like Provident, Credit24, hapiloans, and Creditea. Founded in 1997, its primary corporate office is situated in Leeds, United Kingdom.
Technical Analysis
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Options Prices
Currently, No data available
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