INTERNATIONAL PERSONAL FINAN financials
INTERNATIONAL PERSONAL FINAN
213800II1O44IRKUZB59 ISIN: GB00B1YKG049 | Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Revenue | £737.5M | £726.3M |
| Administrative expenses | £312.9M | £308.1M |
| Profit before tax | £85.3M | £73.3M |
| Income tax expense | £31.1M | £12.4M |
| Profit for the year | £54.2M | £60.9M |
| Total comprehensive income | £101.5M | £1.8M |
| Per share | ||
| Basic EPS | £0.25 | £0.27 |
| Diluted EPS | £0.24 | £0.26 |
| Free cash flow / share | £-0.05 | £0.08 |
| Cash flow statement | ||
| Cash generated from operations | £69.8M | £114.1M |
| Net cash from operating activities | -£4.5M | £24.8M |
| Net cash from investing activities | -£35.2M | -£24.1M |
| Purchase of PP&E (capex) | £7.4M | £6.4M |
| Purchase of intangibles | £27.8M | £17.8M |
| Net cash from financing activities | £40.7M | -£12.6M |
| Dividends paid | £25.8M | £23.9M |
| Proceeds from borrowings | £140.0M | £313.2M |
| Repayments of borrowings | £61.2M | £273.5M |
| Lease liability payments | £12.8M | £12.2M |
| Net change in cash | £1.0M | -£11.9M |
| Balance sheet | ||
| Total assets | £1.34B | £1.14B |
| Non-current assets | £516.8M | £448.1M |
| Property, plant & equipment | £16.3M | £14.0M |
| Right-of-use assets | £20.5M | £17.7M |
| Intangible assets & goodwill | £23.8M | £22.6M |
| Current assets | £820.5M | £693.6M |
| Trade & other receivables | £770.2M | £624.4M |
| Cash & equivalents | £30.4M | £27.6M |
| Total equity | £546.0M | £466.3M |
| Non-current liabilities | £577.1M | £439.0M |
| Long-term borrowings | £558.8M | £423.1M |
| Lease liabilities (non-current) | £14.2M | £11.8M |
| Current liabilities | £214.2M | £236.4M |
| Short-term borrowings | £58.9M | £92.8M |
| Lease liabilities (current) | £8.4M | £8.1M |
| Trade & other payables | £133.4M | £125.1M |
| Deferred tax liabilities | £4.1M | £4.1M |
| Derived metrics | ||
| Free cash flow | -£11.9M | £18.4M |
| Net margin | 7.3% | 8.4% |
| Return on equity | 9.9% | 13.1% |
| Cash conversion ratio | -0.08× | 0.41× |
| Capex coverage | -0.61× | 3.88× |
| Other reported items | ||
| Capital Redemption Reserve | £3.2M | £3.2M |
| Cash | £30.4M | £27.6M |
| Current Derivative Financial Assets | £1.5M | £2.6M |
| Current Derivative Financial Liabilities | £4.0M | £1.6M |
| Current Provisions | £0 | £2.8M |
| Current Tax Assets | £2.9M | £16.1M |
| Current Tax Liabilities | £9.5M | £6.0M |
| Decrease Increase Through Tax On Sharebased Payment Transactions | -£500.0K | — |
| Deferred Tax Assets | £107.4M | £106.7M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | £0.13 | £0.11 |
| Dividends Received Classified As Investing Activities | £0 | £0 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | £1.8M | -£3.0M |
| Expense By Nature | £522.1M | £513.6M |
| Finance Costs Paid Classified As Operating Activities | £69.7M | £72.3M |
| Finance Income Received Classified As Operating Activities | £2.0M | £1.3M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | £126.8M | £127.5M |
| Income Tax Relating To Components of Other Comprehensive Income | £200.0K | -£600.0K |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | £100.0K | -£100.0K |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | £100.0K | -£500.0K |
| Income Taxes Paid Refund Classified As Operating Activities | £21.8M | £18.3M |
| Increase Decrease Through Sharebased Payment Transactions | £3.5M | £2.9M |
| Intangible Assets Other Than Goodwill | £52.7M | £37.1M |
| Interest Expense | £71.3M | £70.4M |
| Investments In Subsidiaries | £0 | £0 |
| Issued Capital | £22.5M | £22.5M |
| Liabilities | £791.3M | £675.4M |
| Miscellaneous Other Operating Expense | £137.9M | £135.1M |
| Net Assets Liabilities | £546.0M | £466.3M |
| Noncurrent Receivables | £291.1M | £245.6M |
| Noncurrent Recognised Assets Defined Benefit Plan | £5.0M | £4.4M |
| Other Cash Payments From Operating Activities | -£15.2M | £0 |
| Other Comprehensive Income | £47.3M | -£59.1M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | £200.0K | -£400.0K |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | £46.9M | -£57.3M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | £400.0K | -£2.0M |
| Other Current Receivables | £15.5M | £22.9M |
| Other Reserves | -£22.5M | -£22.5M |
| Payments of Other Equity Instruments | £0 | £15.1M |
| Payments To Acquire Or Redeem Entitys Shares | £0 | £1.3M |
| Proceeds From Exercise of Options | £500.0K | £200.0K |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | £0 | £100.0K |
| Purchase of Treasury Shares | — | £15.1M |
| Reserve of Cash Flow Hedges | £0 | -£100.0K |
| Reserve of Exchange Differences On Translation | £21.6M | -£25.3M |
| Retained Earnings | £536.6M | £513.4M |
| Treasury Shares | £15.4M | £24.9M |
Every line item above is a fact tagged in INTERNATIONAL PERSONAL FINAN's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (GBP), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.