As of 2025-05-29, the Intrinsic Value of International Personal Finance PLC (IPF.L) is 110.34 GBP. This IPF.L valuation is based on the model Discounted Cash Flows (Growth Exit 5Y). With the current market price of 156.60 GBP, the upside of International Personal Finance PLC is -29.50%.
The range of the Intrinsic Value is 5.57 - 360.87 GBP
Based on its market price of 156.60 GBP and our intrinsic valuation, International Personal Finance PLC (IPF.L) is overvalued by 29.50%.
| Range | Selected | Upside | |
| a | |||
| DCF (Growth 5y) | 5.57 - 360.87 | 110.34 | -29.5% |
| DCF (Growth 10y) | 3.37 - 295.94 | 90.59 | -42.2% |
| DCF (EBITDA 5y) | 19.91 - 205.57 | 56.39 | -64.0% |
| DCF (EBITDA 10y) | 22.34 - 196.28 | 62.50 | -60.1% |
| Fair Value | 136.40 - 136.40 | 136.40 | -12.90% |
| P/E | 159.11 - 325.17 | 223.20 | 42.5% |
| EV/EBITDA | 107.20 - 326.22 | 158.35 | 1.1% |
| EPV | 421.30 - 584.71 | 503.00 | 221.2% |
| DDM - Stable | 257.69 - 1,171.50 | 714.60 | 356.3% |
| DDM - Multi | 291.06 - 1,000.88 | 447.76 | 185.9% |
| Market Cap (mil) | 349.60 |
| Beta | 0.91 |
| Outstanding shares (mil) | 2.23 |
| Enterprise Value (mil) | 857.80 |
| Market risk premium | 5.98% |
| Cost of Equity | 8.75% |
| Cost of Debt | 14.16% |
| WACC | 8.84% |