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International Personal Finance
International Personal Finance (IPF) investor relations material
International Personal Finance has been delisted
International Personal Finance Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary29 Jul, 2026
Executive summary
Delivered GBP 47.4 million (£47.4m) pre-exceptional profit before tax for the six months to June 30, 2026, down 5% year-over-year, in line with plans despite higher impairment charges and continued investment in growth.
Customer numbers increased by 5.4% to 1.74 million, with growth across all divisions and successful integration of the Express Cash acquisition in Czechia.
Net receivables rose 17% to GBP 1.17 billion, driven by strong demand and operational execution, especially among under-banked and under-served customers.
Next Gen strategy and investments in technology and new channels supported product and channel expansion and operational efficiency.
Last financial presentation as a listed FTSE entity due to acquisition by Basepoint/Bidco, with transaction effective August 2026.
Financial highlights
Profit before tax of GBP 47.4 million (£47.4m), with exceptional costs of GBP 4.6 million (£4.6m) related to Czechia reorganization and transaction costs; statutory profit before tax was £42.8m.
Revenue increased 18.8% to £413.2m; annualized revenue yield at 52.0% (down from 53.3%).
Lending growth accelerated to 18.5% at constant exchange rates, with double-digit growth in all divisions.
Annualized impairment rate increased to 10.0% (up from 8.3%), reflecting IFRS 9 charges from strong growth in new channels.
Cost-income ratio improved by 1.5 percentage points to 60.4%, supported by revenue growth and scale benefits.
Pre-exceptional return on required equity (RORE) fell from 15.4% to 12.9%; statutory ROE at 9.1%.
Outlook and guidance
Confident in delivering on strategy, with continued investment in technology and growth, targeting GBP 5 million additional spend per annum for the next three years.
Returns expected to remain below 15%-20% target through 2026-2027, returning to target in 2028 as scale increases.
Well positioned for continued growth, supported by robust credit quality and strong balance sheet.
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Latest events from International Personal Finance
- PBT rose 8% as returns neared target, with Polish regulation a key risk.IPF
H2 2023 - Q1 2026 saw 23% lending growth, strong credit quality, and progress on the BasePoint acquisition.IPFQ1 2026 TU
- Profit before tax up 4%, customer and receivables growth, but regulatory and tech risks persist.IPFH2 2025
- Q3 lending up 14%, net receivables over £1bn, strong digital growth and positive outlook.IPFQ3 2025 TU
- Profit before tax up 5.5% to GBP 49.9m, with strong lending, receivables, and credit quality.IPFH1 2025
- Strong Q3 growth, low impairments, and robust outlook support full-year profit targets.IPFQ3 2024 TU
- Profit before tax up 25% to £47.3m, dividend and buyback increased, funding strengthened.IPFH1 2024
- Q1 2025 saw double-digit lending growth, strong credit quality, and solid capital strength.IPFQ1 2025 TU
- Profit ahead of guidance, dividend up 11%, and digital and Mexico growth drive 2025 outlook.IPFQ4 2024
International Personal Finance
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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.