International Personal Finance plc: management transactions · United Kingdom · RNS (LSE)

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)) 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))