{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "2d943489-f333-4144-8c56-74eb018e48fe",
    "symbol": "IPF",
    "name": "International Personal Finance plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/2d943489-f333-4144-8c56-74eb018e48fe/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "2d943489-f333-4144-8c56-74eb018e48fe",
      "symbol": "IPF",
      "name": "International Personal Finance plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "IPF.L",
    "market_cap": 549777088.0,
    "market_cap_usd": 55088774192.0,
    "price": 247.5,
    "currency": "GBP",
    "dividend_yield": 0.0517,
    "dividend_years": 17,
    "dividend_growth_5y": -0.00823209,
    "dividend_cut_5y": true,
    "payout_ratio": 0.5,
    "net_income": 54200000.0,
    "free_cash_flow": -39700000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.17271,
    "revenue_growth_5y": 0.0488401,
    "net_margin": 0.07349,
    "roe": 0.10708001,
    "pe_ratio": 10.3125,
    "price_vs_ma": 0.04357793,
    "return_3y": 1.17595275,
    "return_5y": 0.85971533,
    "max_drawdown": -0.58524314,
    "scores": {
      "dividend_reliability": 11.5,
      "dividend_sustainability": 8.5,
      "business_quality": 22.0,
      "valuation": 13.0,
      "trend": 12.0,
      "total": 67.0,
      "confidence": 100.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/",
      "chart": "https://sharemaestro.com/terminal/2d943489-f333-4144-8c56-74eb018e48fe/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 11.5,
    "dividend_sustainability": 8.5,
    "business_quality": 22.0,
    "valuation": 13.0,
    "trend": 12.0,
    "total": 67.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2026-03-26",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "Dividend increased 136.8%",
      "detail": "Payment changed from 3.8 to 9.",
      "amount": 9.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2026-03-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 9 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 9.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "Dividend cut -52.5%",
      "detail": "Payment changed from 8 to 3.8.",
      "amount": 3.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 3.8 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 3.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2025-04-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "Dividend increased 135.3%",
      "detail": "Payment changed from 3.4 to 8.",
      "amount": 8.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2025-04-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 8 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 8.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2024-08-29",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "Dividend cut -52.8%",
      "detail": "Payment changed from 7.2 to 3.4.",
      "amount": 3.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2024-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 3.4 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 3.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "Dividend increased 132.3%",
      "detail": "Payment changed from 3.1 to 7.2.",
      "amount": 7.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 7.2 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 7.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "Dividend cut -52.3%",
      "detail": "Payment changed from 6.5 to 3.1.",
      "amount": 3.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 3.1 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 3.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2023-04-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 6.5 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 6.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2022-09-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 2.7 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 2.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2022-04-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 5.8 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 5.7999997,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2021-09-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 2.2 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 2.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2019-09-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 4.6 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 4.6,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    },
    {
      "event_date": "2019-04-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "IPF",
      "exchange": "LSE",
      "headline": "IPF dividend payment 7.8 GBP",
      "detail": "Recorded dividend payment for International Personal Finance plc.",
      "amount": 7.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/2d943489-f333-4144-8c56-74eb018e48fe/"
    }
  ]
}