Dividend compounder review

IPF

International Personal Finance plc · LSE · GB

Financial Services · Credit Services

Chart Factor Intelligence Back to Screener
Score67.00/100
Confidence100.00/100
DecisionReject
RatingAcceptable, Needs Review
Scoring

Quality breakdown

Dividend Reliability 11.5 / 25 Payment history, cuts, growth, and regularity.
Dividend Sustainability 8.5 / 20 Payout, free cash flow, dividend cover, and debt.
Business Quality 22.0 / 25 Scale, cash generation, growth, margins, and returns.
Valuation Discipline 13.0 / 15 Yield, P/E, and price stretch versus long-term trend.
Long-Term Trend 12.0 / 15 Trend line, long return history, and drawdown control.
Metrics

Dividend and business context

Dividend Years17
Dividend Yield5.17%
Payout Ratio50.0%
Dividend Cut 5YYes
Net Income£54.2M
Free Cash Flow£-39.7M
FCF Covers DividendNo
Debt / Equity1.17
P/E10.3
Revenue Growth 5Y4.9%
Net Margin7.3%
ROE10.7%
Price vs Trend4.4%
3Y Return117.6%
5Y Return86.0%
CurrencyGBP
Warnings

Review flags

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.
Dividend diary

Activity record

IPF dividend review warning Warning · Warning

Free cash flow does not cover dividends paid.

Dividend increased 136.8% Dividend Increase · Positive

Payment changed from 3.8 to 9.

IPF dividend payment 9 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

Dividend cut -52.5% Dividend Cut · Negative

Payment changed from 8 to 3.8.

IPF dividend payment 3.8 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

Dividend increased 135.3% Dividend Increase · Positive

Payment changed from 3.4 to 8.

IPF dividend payment 8 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

Dividend cut -52.8% Dividend Cut · Negative

Payment changed from 7.2 to 3.4.

IPF dividend payment 3.4 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

Dividend increased 132.3% Dividend Increase · Positive

Payment changed from 3.1 to 7.2.

IPF dividend payment 7.2 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

Dividend cut -52.3% Dividend Cut · Negative

Payment changed from 6.5 to 3.1.

IPF dividend payment 3.1 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

IPF dividend payment 6.5 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

IPF dividend payment 2.7 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

IPF dividend payment 5.8 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

IPF dividend payment 2.2 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

IPF dividend payment 4.6 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.

IPF dividend payment 7.8 GBP Dividend Payment · Info

Recorded dividend payment for International Personal Finance plc.