InsidersTradesSigma
Track the International Personal Finance plc share price and the full directors' dealings record of the company, a listed equity based in United Kingdom. Shares are listed on the UK market, under the authority of RNS (LSE). Operating in the Finance & Banking sector, International Personal Finance plc has published 153 public disclosures. Market capitalisation: €555.3m. The latest transaction was reported on 6 August 2026 (Sale). Among the most active insiders: Florin Balcan. The full history is openly available.
153
Insider Decl.
n/a
Thresholds
€269,100
12 ops.
Buy Volume
€32m
66 ops.
Sell Volume
Analyst consensus: bullish or bearish?
Analysts rate International Personal Finance plc Strong Buy (bullish), based on 1 analysts. Average price target: £185.00.
48Σ signal
This score ranks the purchase within its own market. No market currently meets the historical allocation criteria, so signals remain watch-only. Not investment advice.
Fundamental score
Ranked 12,270 of 29,063 companies
56.0
score / 100
Value62
Quality50
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.
Sigma AI Analysis
Fundamental view, insider signal, bull and bear case, synthesis.
AI analysis generation is paused.
Last declaration on 6 August 2026
Declarations153 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@ £2.5055.03% mcap98.9% 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-a598-25be737d6c18-0
313,522 shares@ £2.5014.13% 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@ £2.5012.40% 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@ £2.501.80% 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@ £2.505.86% 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@ £2.502.16% 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@ £2.5069.81% 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@ £2.502.77% mcap93.5% 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-a598-25be737d6c18-8
295,656 shares@ £2.5013.32% 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@ £2.5012.29% 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@ £2.5028.65% 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@ £2.5023.24% 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@ £2.5016.64% 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@ £2.507.73% 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@ £2.50Outside 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@ £2.50Outside 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@ £2.50Outside 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@ £2.50Outside 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@ £2.50Outside 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@ £2.50Outside 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@ £2.50Outside 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@ £2.50Outside 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 153 declarations
关于 International Personal Finance plc
International Personal Finance plc (IPF) 是一家在伦敦证券交易所 (FTSE 100/250/AIM) 上市的英国金融服务集团, 专注于无抵押消费信贷, 并日益发展数字借贷和增值服务。该公司历史上最著名的是其 Provident 上门信贷特许经营权, 但其模式已演变, 以更好地服务那些未完全获得传统银行服务的弱势消费者。公司总部位于英国利兹, 拥有独特的英国基地和广泛的国际运营足迹。([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf)) IPF 的战略叙事围绕金融普惠展开。该集团表示, 它为数百万消费者提供负担得起、负责任的信贷和相关服务, 结合了上门借贷、数字产品和辅助服务。一个关键的区别在于, 它声称是唯一一家同时提供上门信贷和数字借贷的规模化金融服务提供商, 并辅以一系列互补服务。这种混合模式旨在随着情况的变化满足不同的客户需求和信用状况。([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf)) 从地理上看, IPF 在九个市场运营, 在中欧和东欧、墨西哥以及通过 IPF Digital 拥有多元化的业务。该集团强调了一个庞大的未开发市场, 估计其市场中有大约 70 million 成年人面临财务限制和传统银行服务获取受限的问题。这凸显了一个结构上具有吸引力的机会集, 同时也提醒投资者, 该业务在许多司法管辖区都在高度监管的非银行借贷环境中运营, 存在价格上限和负担能力要求。([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf)) 从竞争角度来看, IPF 依赖于密切的客户关系、运营规模和数字化转型。其传统的上门信贷基础设施, 由数千名客户代表支持, 被描述为难以复制; 同时, 该集团正在投资应用程序、消息传递、护理团队和更广泛的数字能力。在其 2025 年报告中, IPF 强调了在波兰、捷克共和国、匈牙利、罗马尼亚和墨西哥的运营实体, 反映了涵盖上门信贷和数字借贷业务的投资组合。([ipfin.co.uk](https://www.ipfin.co.uk/content/dam/ipf/corporate/documents/investors/annual-report-/2025/annual-report-2025.pdf.downloadasset.pdf)) 近期交易更新显示出稳健的运营势头。在其 2026 年第一季度更新中, IPF 报告客户贷款同比增长 23%, 客户数量增至 1.724 million, 截至期末净应收账款增至 £1,081m。管理层表示, “下一代”战略继续支持贷款增长、客户获取和产品扩张, 而年化减值率随着投资组合的增长而上升至 10.3%。与此同时, 伦敦证券交易所近期 RNS 流动包括董事/PDMR 股权通知, 这与定期报告的英国上市公司一致。([ipfin.co.uk](https://www.ipfin.co.uk/news/2026/international-personal-finance-plc-q1-2026-trading-update))
