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International Personal Finance plc Stock: price and insider trades · United Kingdom
No insider purchase over the last 90 days. The latest was filed 28 Jun 2024.
International Personal Finance plc: what insiders have been doing
This page follows insider dealings at International Personal Finance plc as filed with RNS (LSE), a company from the Finance & Banking sector. From 18 October 2025 to 18 October 2026, the disclosure feed for International Personal Finance plc logged 109 filings by 29 insiders.
No insider bought on the market over the period, while 24 insiders filed 46 sales totalling €30.9M. The amount is not disclosed for 7 filings. The largest single trade was a sale of €4.5M by Margaret Ryan, published on 6 August 2026, equal to 0.70% of the market capitalisation.
With 109 filings in twelve months, the company is more active than the median of 6 filings across the 831 companies we follow on the same exchange. Since 2023, the database holds 12 purchases and 66 sales by insiders of the company.
The median gap between a trade and its publication by RNS (LSE) is 2 days. The regulation allows three business days to notify a trade (UK MAR). Sales are harder to read than purchases, since they often meet personal needs such as tax or diversification.
In the same sector, recent insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc also feature in our signals. Every figure here comes from the filings published by RNS (LSE) and describes the past, not future prices; it is not investment advice.
Insider Decl.
169
Thresholds
n/a
Buy Volume
€215,054
12 ops. · all time
Sell Volume
€32M
66 ops. · all time
Who traded when
BuySaleFlorin Balcan7 sales
Gergely Mikola6 sales
Botond Szirmák4 sales
David Parkinson4 sales
Povilas Girčys3 sales
Gary Thompson2 sales
+19 other insiders
Analyst consensus: bullish or bearish?
Analysts rate International Personal Finance plc Strong Buy (bullish), based on 1 analysts. Average price target: £1.85.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 10,033 of 24,148 companies
55.9
score / 100
Value61
Quality51
FCF yld-7.1%
Earn yld9.8%
EV/EBITDA7.0x
ROE9.1%
Gross mgn·
Net mgn8.1%
Debt/EBITDA3.8x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
£2.50
Analyst consensus
1 analystsStrong buy
£1.85Target £1.85(-26%)£1.85
Income statement
Revenue£666.2M
EBITDA£170.2M26% margin
Net income£54.2M6.0% margin
Valuation
PER (trailing)11.9x
PER (forward)811.1x
P/Book98.2x
Beta0.41
Balance sheet & cash
Market cap£555.3M
Total debt£640.3M
Free Cash Flow-£39.7M
Debt / Equity130%
Profitability & ownership
ROE9.1%
ROA7.7%
% insiders12.9%
% institutions85.4%
Last declaration on 6 August 2026
Declarations169 total
2,971,246 shares@ €2.916Outside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-6
1,221,417 shares@ £2.500.55% mcap99.4% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-0
313,522 shares@ £2.500.14% mcap97.5% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-1
275,133 shares@ £2.500.12% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-2
40,000 shares@ £2.500.018% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-3
130,050 shares@ £2.500.059% mcap86.2% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-4
47,835 shares@ £2.500.022% mcap79.6% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-5
1,549,411 shares@ £2.500.70% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-7
387,634 shares@ £2.500.028% mcap12.6% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-8
295,656 shares@ £2.500.13% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-9
272,786 shares@ £2.500.12% mcap29.4% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-10
636,009 shares@ £2.500.29% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-11
515,792 shares@ £2.500.23% mcap67.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-12
369,370 shares@ £2.500.17% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-13
171,563 shares@ £2.500.077% mcap35.9% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-14
270,466 shares@ £2.500.12% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-15
290,103 shares@ £2.500.13% mcap18.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-16
70,876 shares@ £2.500.032% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-17
353,963 shares@ £2.500.16% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-18
644,563 shares@ £2.500.29% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-19
89,704 shares@ £2.500.041% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-20
199,506 shares@ £2.500.090% mcap67.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-21
76,534 shares@ £2.500.035% mcap100.0% of flowOutside a trading venue Scheme of arrangement sanctioned by the High Court of Justice in London on 31 July 2026. Scheme of arrangement effective on filing the Court order with the Registrar of Companies, Cardiff on 4 August 2026.ISIN GB00B1YKG049FCA-NSM:4a693caa-fe72-4ccb-a598-25be737d6c18-22
2,288,156 sharesOutside a trading venueISIN GB00B1YKG049RNS:9701277-4
290,103 sharesOutside a trading venueISIN GB00B1YKG049RNS:9701277-10
25 of 169 declarations
About International Personal Finance plc
International Personal Finance plc (IPF) is a UK-listed financial services group on the London Stock Exchange (FTSE 100/250/AIM), focused on unsecured consumer credit and, increasingly, digital lending and value-added services. The business is best known historically for its Provident home credit franchise, but it has evolved its model to better serve underserved consumers who are not fully served by traditional banks. The company is headquartered in Leeds, United Kingdom, giving it a distinctly British base with a broad international operating footprint. ([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf))
IPF’s strategic narrative is built around financial inclusion. The group says it provides affordable, responsible credit and related services to millions of consumers, combining doorstep lending, digital products and ancillary services. A key differentiator is its claim to be the only financial services provider at scale offering both home credit and digital lending, supported by a range of complementary services. That hybrid model is designed to address different customer needs and credit profiles as circumstances change. ([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf))
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Geographically, IPF operates across nine markets, with a diversified presence in Central and Eastern Europe, Mexico and through IPF Digital. The group highlights a large underserved addressable market, estimating around 70 million adults across its markets face financial constraints and limited access to traditional banking services. This underlines a structurally attractive opportunity set, while also reminding investors that the business operates in a highly regulated non-bank lending environment with price caps and affordability requirements in many jurisdictions. ([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf))
From a competitive standpoint, IPF relies on close customer relationships, operational scale and digital transformation. Its traditional home credit infrastructure, supported by thousands of customer representatives, is described as difficult to replicate; at the same time, the group is investing in apps, messaging, care teams and broader digital capabilities. In its 2025 reporting, IPF highlighted operating entities in Poland, the Czech Republic, Hungary, Romania and Mexico, reflecting a portfolio that spans home credit and digital lending businesses. ([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf))
Recent trading updates point to solid operational momentum. In its Q1 2026 update, IPF reported 23% year-on-year customer lending growth, customer numbers rising to 1.724 million, and closing net receivables increasing to £1,081m. Management said the “Next Gen” strategy continued to support lending growth, customer acquisition and product expansion, while the annualised impairment rate rose to 10.3% as the portfolio grew. In parallel, recent London Stock Exchange RNS flow has included Director/PDMR Shareholding notifications, consistent with a regularly reported UK-listed issuer. ([ipfin.co.uk](https://www.ipfin.co.uk/news/2026/international-personal-finance-plc-q1-2026-trading-update))
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