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International Personal Finance (IPF) investor relations material
International Personal Finance Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary22 Oct, 2025
Executive summary
Delivered strong operational and financial performance in Q3 2025, driven by the next-gen strategy, robust consumer demand, and new product initiatives across all markets.
Group customer lending accelerated to 14% in Q3 and 12% year-to-date, reflecting momentum across divisions.
Customer numbers returned to growth, rising 2.3% year-on-year to 1.7 million.
Digital businesses in Mexico and Australia led growth, with significant scaling and brand investment.
Financial highlights
Digital business in Mexico grew over 40% year-on-year; Australia saw a 25% increase in customer lending.
European home credit operations in Romania and Poland delivered robust double-digit growth, with Romania up 20% and Poland up 17%.
Net receivables increased by 14% year-on-year to £1,007m at the end of September, exceeding GBP 1 billion.
Annualized revenue yield stable at 53%; cost-to-income ratio improved to 61.4%.
Annualized impairment rate increased to 9.8% in Q3 from 8.3%, reflecting higher growth and new product investment.
Outlook and guidance
Entered Q4 with strong growth momentum, excellent credit quality, and robust funding.
On track to deliver full-year results in line with half-year guidance.
Expect continued acceleration in receivables growth through year-end.
Anticipate annualized impairment rate to move towards 14%-16% over the next two years as lending volumes rise.
Plans to reinvest in further expansion, especially in Mexico, Australia, and digital platforms for 2026.
Justify 14-16% impairment rate target?
How will AI impact cost to income ratio?
Specific drivers of Mexico home credit acceleration?
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Next International Personal Finance earnings date
H2 202527 Feb, 2026
Next International Personal Finance earnings date
H2 202527 Feb, 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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