You could lose all of your money invested in these products. These are high-risk investments and are much riskier than a savings account.
Our product is only suitable for high net worth, self-certified sophisticated, advised, investment professionals and institutional investors.

International Personal Finance  5.75% 07 Apr 2021

Business Description

International Personal Finance (IPF) is a global provider of consumer credit, operating across Eastern Europe, Finland, Spain and Mexico.

IPF was founded in 1880 in Bradford, England, by Joshua Kelley Waddilove, initially trading as 'Provident Clothing and Supply Co'. Waddilove devised a system to help working class families provide for themselves through the use of vouchers which could be exchanged in local shops for clothing, food and coal. The families then repaid the vouchers in small, affordable weekly instalments.

The company is listed on the London Stock Exchange and trades under the ticker IPF.

Bond Information

Coupon

5.75%

Maturity Date

07 Apr 2021

Next Interest Payment

07 Apr 2020

Interest Period

12 months

ISIN

XS1054714248

Asset Security

Unsecured

Amount

€420,000,000

Ratings

Fitch:  BB

Status

Payments on time

* Current Yield and Yield to Maturity are on estimated return calculations and not guaranteed. All yields shown are gross of Taxation and our Service Fee.

Company Information

Industry

Banks & Financials

Country of Origin

UK

Year of Incorporation

1880

Ownership Status

Public

Capital Structure

Senior Debt 75%

Equity 25%

Cash

-1.2%

Senior Notes (combined)

6.2%

Content Liabilities

12.0%

Net Debt

17.0%

Equity

83.0%

Enterprise Value

100.0%

EDITDA

£883,000,000

Cash interest

£226,400,000

* An asterisk next to an item indicates there is additional information available if you hover over it. You can also find a definition of the terms used on this page in our Glossary.

Key Financials

Revenues

11,607

Growth %

38.1%

EDITDA

1,681

Margin %

14.5%

Cash balance

3,067

Source: Public Company information

Reports & Information

Throughout our site you will find links to external websites. Although we make every effort to ensure these links are accurate, up to date and relevant, we cannot take responsibility for pages maintained by external providers.

Throughout our site you will find links to external websites. Although we make every effort to ensure these links are accurate, up to date and relevant, we cannot take responsibility for pages maintained by external providers.

Wisealph circle logo

Invest from just £100 per bond



Capital at risk. No FSCS cover. See Risk Statement and FAQs.

Capital at risk. No FSCS cover.

Please note as a WiseAlpha member you are not lending directly to the corporate borrower. Instead, you are purchasing Fractional Bonds, each one backed by a specific bond. See Risk Statement.