Details for (IPF) / Market data / Selftrade

INTER. PERS.

(IPF GB00B1YKG049 GBX)

Value 216.800

Change Today -9.40

Updated17/05 16:35

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WATCHLIST

ALERTS

PROFILE

Registered Number	6018973
Registered Address	Number Three Leeds City Office Park Meadow Lane Leeds LS11 5BD
Phone Number	+44 (0) 113 2856700
Fax Number
Website	http://www.ipfin.co.uk
Activities	Provides home credit services
Country of Register	GB
Currency	GBX
Short Name	INTER. PERS.
First Day Traded	16/07/2007
Industrial Sector	Specialty Finance
Number of shares	257m

Key People

Christopher Rodrigues	Chairman
John Harnett	Chief Executive Officer
Gerard Ryan	Chief Executive Officer
Ray Miles	Non Executive Director
John Lorimer	Non Executive Director
Craig Shannon	Director
Charles Gregson	Non Executive Director

Major Shareholders

Standard Life Investments Ltd.	8.02%
Fidelity Management & Research Co.	5.14%

Director Deals

Director	Date	Buy/Sell	Quantity	Price
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Income Statements £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Interest Income	0	0	0	0	0
Interest and Fees on Loans	0	0	0	0	0
Interest Income on Fed. Funds	0	0	0	0	0
Interest Income on Fed. Repos	0	0	0	0	0
Interest on Bank Deposits	0	0	0	0	0
Other Interest or Dividend Income	0	0	0	0	0
Total Interest Expense	22.30	29.50	30.90	33.90	42.90
Interest Expense on Bank Deposits	0	0	0	0	0
Interest Expense on Fed. Repos	0	0	0	0	0
Other Interest Expense	22.30	29.50	30.90	33.90	42.90
Interest Expense on Debt	22.30	29.50	30.90	33.90	42.90
Interest Capitalized	0	0	0	0	0
Other Borrowed Funds	0	0	0	0	0
Net Interest Income	0	0	0	0	0
Loan Loss Provision	0	0	0	0	0
Net Interest Income after Provision	0	0	0	0	0
Non-Interest Income	0	0	0	0	0
Securities Gain	0	0	0	0	0
Trading Account Income	0	0	0	0	0
Foreign Exchange Gains	0	0	0	0	0
Trust Income, Commissions & Fees	0	0	0	0	0
Trust Income	0	0	0	0	0
Commission & Fee Income	0	0	0	0	0
Investment Income	0	0	0	0	0
Other Operating Income	409.80	557.10	550.20	608.70	649.50
Non-Interest Expense	0	0	0	0	0
Labor & Related Expense	102.90	130.50	124.10	132.40	145
Equipment Expense	0	0	0	0	0
Operating Provisions	0	0	0	0	0
Taxes Other than Income Taxes	0	0	0	0	0
Depreciation & Amortization	9.60	13.40	13.40	11.40	11.10
Other Operating Expense	81.60	111.80	86	90.80	97.10
Operating Income	49.60	70.20	61.40	95	103.50
Non-Operating Income (Expense)	0.20	0.10	0.30	0	-3
Non-Operating Interest Income	0	0	0	0	0
Miscellaneous Non Operating Expense	0.20	0.10	0.30	0	-3
Equity in Affiliates (Pretax)	0	0	0	0	0
Unusual Expense	2.80	0	0	6.80	0
Pretax Income	47	70.30	61.70	88.20	100.50
Income Taxes	14.50	19.70	16.10	29	24
Income Tax - Current - Domestic	23.30	22	29.10	32.50	29.60
Income Tax - Current - Foreign	0	0	0	0	0
Income Tax - Deferred - Domestic	-8.80	-2.30	-13	-3.50	-5.60
Income Tax - Deferred - Foreign	0	0	0	0	0
Income Tax Credits	0	0	0	0	0
Minority Interest Expense	0	0	0	0	0
Equity in Affiliates	0	0	0	0	0
Other After Tax Income (Expense)	0	0	0	0	0
Net Income	32.50	50.60	45.60	59.20	76.50
Extraordinaries & Discontinued Operations	0	0	-12.80	0	0
Extra Items & Gain/Loss Sale Of Assets	0	0	0	0	0
Cumulative Effect - Accounting Chg	0	0	0	0	0
Discontinued Operations	0	0	-12.80	0	0
Net Income After Extraordinaries	32.50	50.60	32.80	59.20	76.50
Preferred Dividends	0	0	0	0	0
Net Inc. Avail. To Common - Basic	32.50	50.60	45.60	59.20	76.50
Operational EPS	13.38	19.70	17.67	24.95	29.57
EPS (basic)	12.64	19.73	12.78	23.34	30.17
EPS (diluted)	12.62	19.70	17.67	23.09	29.57

Balance Sheet £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Total Cash & Due from Banks	0	0	0	0	0
Investments - Total	0	0	0	0	0
Trading Account Securities	0	0	0	0	0
Federal Funds Sold & Securities Purchased	0	0	0	0	0
Federal Funds Sold	0	0	0	0	0
Securities Bought Under Resale Agreement	0	0	0	0	0
Treasury Securities	0	0	0	0	0
Federal Agency Securities	0	0	0	0	0
State & Municipal Securities	0	0	0	0	0
Mortgage Backed Securities	0	0	0	0	0
Other Securities	0	0	0	0	0
Other Investments	0	0	0	0	0
Net Loans	0	0	0	0	0
Gross Loans - Net of Unearned Income	0	0	0	0	0
Commercial & Industrial Loans	0	0	0	0	0
Consumer & Installment Loans	0	0	0	0	0
Interbank Loans	0	0	0	0	0
Real Estate Mortgage Loans	0	0	0	0	0
Lease Financing Loans	0	0	0	0	0
Foreign Loans	0	0	0	0	0
Broker & Financial Institution Loans	0	0	0	0	0
Unspecified/Other Loans	0	0	0	0	0
Unearned Income	0	0	0	0	0
Loan Loss Allowances (Reserves)	0	0	0	0	0
Investment in Unconsolidated Subs.	0	0	0	0	0
Customer Liability on Acceptances	0	0	0	0	0
Real Estate Other Than Bank Premises	0	0	0	0	0
Net Property, Plant & Equipment	40.80	52.40	39.50	35.70	30.60
Other Assets (incl. Intangibles)	26.20	32	18.30	21.10	18.10
Other Assets	7.50	14.50	6.90	14.30	14.50
Intangible Assets	18.70	17.50	11.40	6.80	3.60
Deferred Charges	0	0	0	0	0
Total Assets	630.70	764.90	670.50	702.70	691.70
Total Deposits	0	0	0	0	0
Demand Deposits	0	0	0	0	0
Savings/Time Deposits	0	0	0	0	0
Foreign Office Deposits	0	0	0	0	0
Unspecified Deposits	0	0	0	0	0
Total Debt	370.80	434.30	332.60	304.30	276.50
ST Debt & Curr. Portion LT Debt	8.80	1.20	111.60	19.50	6.40
Current Portion of Long Term Debt	8.80	1.20	111.60	19.50	6.40
Short Term Debt	0	0	0	0	0
Long-Term Debt	362	433.10	221	284.80	270.10
LT Debt excl. Capitalized Leases	362	433.10	221	284.80	270.10
Capitalized Lease Obligations	0	0	0	0	0
Provision for Risks & Charges	0	1.50	7.50	3.30	4
Deferred Tax Liabilities	-27.80	-37.50	-46.50	-48.50	-50.10
Deferred Taxes - Credit	0	0	0	0	0
Deferred Taxes - Debit	-27.80	-37.50	-46.50	-48.50	-50.10
Accumulated Minority Interest	0	0	0	0	0
Other Liabilities	56.30	70.30	70.60	86.10	83.50
Deferred Tax Liability-Untaxed Reserves	0	0	0	0	0
Other Liabilities (excl. Deferred Income)	56.30	70.30	70.60	86.10	83.50
Deferred Income	0	0	0	0	0
Total Liabilities	427.10	506.10	410.70	393.70	364
Preferred Stock (Carrying Value)	0	0	0	0	0
Redeemable Preferred Stock	0	0	0	0	0
Non-Redeemable Preferred Stock	0	0	0	0	0
Preferred Stock issues for ESOP	0	0	0	0	0
ESOP Guarantees - Preferred Stock	0	0	0	0	0
Common Equity (total)	203.60	258.80	259.80	309	327.70
Common Stock Par/Carry Value	25.70	25.70	25.70	25.70	25.70
Additional Paid-In Capital/Capital Surplus	0	0	0	0	0
Retained Earnings	172.60	209.70	225.80	272	330
ESOP Debt Guarantee	0	-5.70	-5.70	-5.70	-5.70
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	27.80	51.60	36.50	39.50	0.20
Unrealized Gain/Loss Marketable Securities	0	0	0	0	0
Revaluation Reserves	0	0	0	0	0
Other Appropriated Reserves	-22.50	-22.50	-22.50	-22.50	-22.50
Unappropriated Reserves	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Total Shareholders' Equity	203.60	258.80	259.80	309	327.70
Liabilities & Shareholders' Equity	630.70	764.90	670.50	702.70	691.70

Cash Flow £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Funds from Operations	29.90	70	57.50	85.80	72
Extraordinaries	0	0	0	0	0
Changes in Working Capital	-36.90	-54.20	8.80	-46.80	-60.10
Net Operating Cash Flow	-7	15.80	66.30	39	11.90
Capital Expenditures	27.80	24.70	9.80	11.10	14.30
Capital Expenditures (Fixed Assets)	22.70	21.50	7.90	10.60	13.80
Capital Expenditures (Other Assets)	5.10	3.20	1.90	0.50	0.50
Net Assets from Acquisitions	-2.40	0	0	0	0
Sale of Fixed Assets & Businesses	5.90	3.60	2.90	2.90	2.70
Purchase/Sale of Investments	0	0	0	0	0
Purchase of Investments	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0
Increase in Loans	0	0	0	0	0
Decrease in Loans	0	0	0	0	0
Other Uses	0	0	0	0	0
Other Sources	0	0	1	0	0
Net Investing Cash Flow	-24.30	-21.10	-5.90	-8.20	-11.60
Cash Dividends Paid - Total	-4.90	-13.20	-14.50	-15.10	-17.10
Common Dividends	-4.90	-13.20	-14.50	-15.10	-17.10
Preferred Dividends	0	0	0	0	0
Decrease in Deposits	0	0	0	0	0
Increase in Deposits	0	0	0	0	0
Change in Capital Stock	0	-5.70	0	0	0
Repurchase of Common & Preferred Stk.	0	-5.70	0	0	0
Sale of Common & Preferred Stock	0	0	0	0	0
Proceeds from Stock Options	0	0	0	0	0
Other Proceeds from Sale of Stock	0	0	0	0	0
Issuance/Reduction of Debt, Net	-70.40	-9.10	-72.60	-22.90	13.20
Change in Current Debt	0	0	0	0	0
Change in Long-Term Debt	-70.40	-9.10	-72.60	-22.90	13.20
Issuance of Long-Term Debt	0	0	0	275.60	38.20
Reduction in Long-Term Debt	-70.40	-9.10	-72.60	-298.50	-25
Other Funds	148.30	0	0	0	0
Other Uses	0	0	0	0	0
Other Sources	148.30	0	0	0	0
Net Financing Cash Flow	73	-28	-87.10	-38	-3.90
Exchange Rate Effect	2.60	6.70	-4.30	-0.50	-2
Miscellaneous Funds	-0.00	0.00	0.00	0	-0.00
Net Change in Cash	44.30	-26.60	-31	-7.70	-5.60
Free Cash Flow	-34.60	-18.90	43.90	13.30	-19

Analysis Data

	2007	2008	2009	2010	2011
Fiscal Year End	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31
Valuation
Market Capitalisation	492.57	357.53	535.01	987.72	441.13
Price/Earnings	15.15	7.05	16.28	16.45	5.68
Price/Sales	1.20	0.64	0.97	1.60	0.67
Price/Book Value	2.42	1.38	2.06	3.20	1.35
Price/Cash Flow	0	22.60	8.10	25.25	37.28
Enterprise Value/EBIT	0	0	0	0	0
Enterprise Value/EBITDA	0	0	0	0	0
Enterprise Value/Sales	1.89	1.31	1.52	2.08	1.07
Total Debt/Enterprise Value	0.48	0.60	0.40	0.24	0.40
Total Debt/EBITDA	0	0	0	0	0
EPS (basic)	12.64	19.73	12.78	23.34	30.17
EPS (diluted) as stated	12.62	19.70	17.67	23.09	29.57
Profitability
Operating Margin (%)	12.10	12.60	11.16	15.61	15.94
Pretax Margin (%)	11.47	12.62	11.21	14.49	15.47
Net Margin (%)	7.93	9.08	8.29	9.73	11.78
Return on Assets (%)	5.24	7.25	6.35	8.62	10.97
Return on Equity (%)	22.74	21.89	17.59	20.82	24.03
Return on Avg. Total Capital (%)	5.78	7.98	7.09	9.82	12.57
Return on Avg. Invested Capital (%)	7.95	8.05	7.78	11.02	12.84
Efficiency
Revenue/Employee	0.04	0.05	0.06	0.07	0.07
Total Asset Turnover	0.66	0.80	0.77	0.89	0.93
Capital Structure
Debt-to-Total Equity (%)	182.12	167.81	128.02	98.48	84.38
Debt-to-Total Capital (%)	64.55	62.66	56.14	49.62	45.76
Debt-to-Total Assets (%)	58.79	56.78	49.60	43.30	39.97
Interest Coverage	0.00	0.00	0.00	0.00	0.00

Market data

Name	Latest	Var
FTSE 100	5,338.38(c)	-1.24%
FTSE 250	10,592.94(c)	-0.77%
DOW INDUSTRIALS	12,442.49	-1.24%
HONG KONG HANG SENG INDIC	19,200.93	+0.00%
Nikkei 225	8,876.59(c)	+0.00%

Name	Latest	Var
RANDGOLD RES.	4,855.00(c)	+4.63%
ICAP	342.00(c)	+1.63%
NATIONAL GRID	675.00(c)	+1.43%
ANTOFAGASTA	1,026.00(c)	+1.38%
CENTRICA	311.90(c)	+1.10%

Name	Latest	Var
INTL. CONS. AIR GRP	143.50(c)	-6.02%
AVIVA	267.70(c)	-4.70%
GKN	184.30(c)	-4.21%
HARGREAVES LANS	480.70(c)	-4.15%
MAN GROUP	78.55(c)	-4.09%

Buys

Name	Latest	Var
AVIVA	267.70(c)	-4.70%
LAMPRELL	128.50(c)	+1.18%
RED EMPEROR RES	18.00(c)	-41.46%
LLOYDS GRP.	27.65(c)	-3.56%
RANGE RES.	7.25(c)	-16.47%

Sells

Name	Latest	Var
RED EMPEROR RES	18.00(c)	-41.46%
RANGE RES.	7.25(c)	-16.47%
BP	396.65(c)	-0.75%
AVIVA	267.70(c)	-4.70%
VODAFONE GRP.	165.90(c)	-1.19%

Selftrade is a trading name and Selftrade® a registered trademark of Talos Securities Limited, which is authorised and regulated by the Financial Services Authority (FSA Register number 208271) and is a member of the London Stock Exchange and PLUS Markets. Talos Securities Ltd is incorporated in England and Wales (Registration No. 4196325, Registered Address: Boatman's House, 2 Selsdon Way, London E14 9LA). VAT No. 629 2807 22.

Data: include Bondscape, Dow Jones, Factset, FTSE, Morningstar. Conditions may apply.

INTER. PERS.

PROFILE

Key People

Major Shareholders

Director Deals

Income Statements £1K

Balance Sheet £1K

Cash Flow £1K

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