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International Personal Finance
International Personal Finance (IPF) investor relations material
International Personal Finance H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary25 Feb, 2026
Executive summary
Delivered profit before tax of GBP 88.6 million, up 4% year-over-year, driven by strong demand and disciplined execution of the Next Gen strategy.
Achieved strong full-year performance with improved growth momentum and robust credit quality across all divisions.
Next Gen strategy delivered scale and efficiency, supporting sustainable growth and long-term value.
Customer numbers rose 4.7% to 1.729 million, marking the first meaningful growth in over a decade.
Board proposed a final dividend of GBP 0.09 per share, up 12.5% year-over-year.
Financial highlights
Pre-exceptional profit before tax rose 4% to GBP 88.6 million compared to the prior year.
Revenue increased 1.5% to GBP 737.5 million; closing net receivables up 22% to GBP 1,061.3 million.
Pre-exceptional EPS increased by 5.6% to GBP 26.3; reported EPS fell 9.2% due to prior year tax credit.
Exceptional one-off costs of GBP 3.3 million incurred related to a potential acquisition.
Dividend payout ratio reached 49%, above the 40% target.
Outlook and guidance
Additional GBP 5 million annual investment planned for growth initiatives over the next 2–3 years.
CapEx to rise to GBP 45–50 million in 2026–2027, then normalize to GBP 25–30 million from 2028.
Targeting 2.5 million customers in the medium to long term, up from 1.7 million.
Monitoring regulatory changes, particularly the EU Consumer Credit Directive II.
Growth opportunities identified in Mexico and Australia, with increased investment in new initiatives and technology.
Quantify free credit sanctions risk
When will returns recover from investment drag?
What is the contingency plan for Mexico instability?
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Next International Personal Finance earnings date
Q1 2026 TU30 Apr, 2026
International Personal Finance
Next International Personal Finance earnings date
Q1 2026 TU30 Apr, 2026
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Frequently asked questions
International Personal Finance plc is a UK-based financial services company specializing in consumer credit. The company provides personal loans and credit products to customers through home credit and digital lending platforms. It operates in multiple international markets, primarily in Europe and Latin America, offering small-sum, short-term loans to individuals who may have limited access to traditional banking services. International Personal Finance focuses on responsible lending, customer service, and financial inclusion. The company is headquartered in Leeds, United Kingdom, and its shares are listed on the LSE.
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