International Personal Finance (IPF) dividend stock





  • Yield

     7.08%
  • Dividend

     12.4
  • 5 year dividend growth rate
     13.0%
  • Dividend increased

     9 yrs.
  • Payout ratio

     46%
  • Payout ratio (forward)

     39%
  • Ex-dividend date

     9/1/2016
  • Uninterrupted
    dividends
     N/A yrs.
  • Yield compared to 5 year average
     + 144.1%
  • Dividend payback
    period
     9 yrs.
  • Chowder rule

     20.1
  • Tweed factor

     7.0
Rating
Overall rating
The overall rating measures the general health and sustainabilty of the company's dividend. It is an average of the five ratings below.





Dividend increased years
This rating looks at the number of years the company has increased their dividend consecutively. 1 star is given for 7 years or below and 5 stars are given for 23 years or more.





Dividend yield
This rating evaluates the size of the yield. 1 star is given for a yield below 0.75% and 5 stars for yields above 6.75%.





Payout ratio
The payout ratio shows how much of the earnings are being paid out as dividends. We award 0 stars for payout ratios above 100% and 5 stars for ratios below 10%.





Dividend growth rate
This rating takes into account the growth of the dividend. Companies that have a dividend growth rate below 1.5% get 1 star while 5 stars are given for rates above 13.5%.





Yield compared to 5 year average
If the current yield is below the 5 year average, it tends to indicate that the stock is cheap. A rating of 0 is given if the current yield is below 0 percent compared to the average and a rating of 5 is given if it's more than 22.5% above.
Relative valuations
Yield compared to 5 year average   
144.1%
Payout ratio compared to 5 year average   
45.7%
P/E compared to 5 year average   
-56.2%
Price per book value compared to 5 year average   
-66.3%
Price change from 52 week high   
-49.1%
Price change from 50 days average   
4.6%
Price change from 200 days average   
3.3%
Price info
Change
1.00 (0.57%)


Last price
175.25 GBp


Day range
174.50 - 176.00


Year range
141.43 - 344.60

Financial health
Current ratio
5.74


Debt/equity ratio
170.20


Cash
51.40M


Debt
556.90M


Valuation
Price/earning (P/E)
5.96


Price/book (P/B)
0.91


Forward price/earning (P/E)
5.46


Price/sales (P/S)
0.51


PEG
0.57


Market cap
389.01M

Recession performance (2007 - 2009)
1.9000,5.1500,5.7000
  • 2007
  • 2008
  • 2009
Dvidend growth (annualized)   
73.2%
0.1300,0.2000,0.1300
  • 2007
  • 2008
  • 2009
Earnings per share growth (annualized)   
0.0%
10 year history
1.9000,5.1500,5.7000,5.9300,6.7400,7.3300,8.3100,9.7000,12.4000,12.4000
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Dividend growth (annualized)   
23.2%
0.1300,0.2000,0.1300,0.2300,0.3000,0.2900,0.3800,0.2900,0.2700,0.2700
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Earnings per share growth (annualized)   
8.5%
0.7900,1.0100,1.0100,1.2000,1.3000,1.5100,1.6900,1.5900,1.5600,1.4800
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Book value per share growth (annualized)   
7.2%
0.0000,10.7000,32.2000,25.7000,31.6000,26.9000,23.0000,32.1000,34.9000,46.7000
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Payout ratio growth (annualized)   
-100.0%
258.0000,257.0000,258.0000,256.0000,259.0000,259.0000,251.0000,244.0000,235.0000,235.0000
  • 07
  • 08
  • 09
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • ttm
Shares outstanding growth (annualized)   
-1.0%
Other companies in the credit services industry
Company
Div. increase  
Yield
Div. growth
Canada   Accord Financial 11 yrs3.00%3.7%
USA   Triangle Capital 10 yrs10.39%5.9%
Canada   Alaris Royalty 9 yrs7.32%9.1%
USA   Visa 9 yrs0.66%27.2%
United Kingdom   S & U 8 yrs3.52%13.3%
USA   Equifax 8 yrs1.08%15.6%
USA   Medallion Financial 7 yrs0.00%7.4%
Company profile
Empoloyees
8,280


Sector


Website


Founded
2007


Industry


International Personal Finance plc provides home credit and digital loans under the Provident brand. The company offers home credit products, including small-sum, short term unsecured cash loans, as well as an optional home collection services in Poland, the Czech Republic, Slovakia, Hungary, Mexico...
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Address:
Number Three, Leeds City Office Park, Meadow Lane, Leeds, West Yorkshire, LS11 5BD

Phone:
+44 1132856700
International Personal Finance has a dividend of 12.4 GBp and based on a stock price of 175.25, the yield is 7.08%. The dividend has been raised for 9 years in a row (since 2008). An earnings per share of 29.4 and a dividend of 12.4 gives International Personal Finance a payout ratio of 46%. The company has a dividend payback period of 9 years. Their dividend has been growing by 13.0% a year for the last 5 years (on average). International Personal Finance has gone ex-dividend on the 9/1/2016. This UK company was founded in 2007 and has 8,280 employees. They are in the financial sector and the credit services industry. Our dividend rating for this stock is 3.7 / 5 stars.






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