3I8 Stock Chart & Stats
€2.90
-€0.02(-0.68%)
At close: 4:00 PM EDT
€2.90
-€0.02(-0.68%)
Day’s Range― - ―
52-Week Range€2.26 - €3.04
Previous CloseN/A
Volume0.00
Average Volume (3M)102.00
Market Cap
€667.30M
Enterprise Value€1.28K
Total Cash (Recent Filing)€22.90M
Total Debt (Recent Filing)€731.10M
Price to Earnings (P/E)11.3
Beta0.27
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
Shares Outstanding231,383,740
10 Day Avg. Volume1
30 Day Avg. Volume102
Financial Highlights & Ratios
PEG Ratio-1.26
Price to Book (P/B)0.94
Price to Sales (P/S)0.69
P/FCF Ratio-12.87
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)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Robust Loan Book GrowthSustained double‑digit receivables and lending growth expands the interest‑earning asset base, supporting durable finance income. Growing customer counts and scale across Provident Europe, Mexico and IPF Digital improve revenue visibility and create a larger platform for margin recovery as new channels mature.
Improved Funding Mix And HeadroomA diversified facility stack, a well‑subscribed bond and lower blended funding cost strengthen funding durability and lower refinancing risk. Positive covenant headroom and reduced margin improve ability to fund growth, absorb cash volatility and execute strategic initiatives without immediate capital raises.
Product & Tech Strategy ScalingOngoing product rollouts, digital expansion and base‑system renewals are structural drivers that broaden distribution, diversify revenue mix and lower unit costs over time. Successful card adoption and tech upgrades increase customer lifetime value and improve scalability of collections and underwriting.
Bears Say
Volatile And Negative Cash ConversionInconsistent conversion of earnings to cash forces reliance on external funding and working‑capital dynamics. Persistent negative operating and free cash flows raise refinancing and liquidity risk during cyclical stress, constraining reinvestment and dividend capacity over the medium term.
Elevated Leverage And Balance‑sheet SensitivityHigher leverage limits financial flexibility and magnifies earnings volatility in a consumer credit franchise. With impaired cash conversion and cyclical credit risk, the balance sheet is more exposed to rising delinquencies or funding cost spikes, which could force retrenchment or expensive refinancing.
Rising Impairment And Revenue Yield PressureHigher impairment and a declining yield compress net returns and delay target ROE recovery. Upfront IFRS9 provisioning on new lending and regulatory pricing constraints in key markets structurally reduce near‑term profitability and increase the capital required to sustain growth.
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 €2.26 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 €667.30M.
When is International Personal Finance PLC’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were International Personal Finance PLC’s earnings last quarter?
Currently, no data Available
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 231,383,740 shares outstanding.
What happened to International Personal Finance PLC’s price movement after its last earnings report?
Currently, no data Available
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
2
3
4
5
6
7
8
9
10
Insider Transactions
Sold Shares
Worth €3.9M over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
54.79%
12-Months-Change
Fundamentals
Return on Equity
4.76%
Trailing 12-Months
Asset Growth
18.43%
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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