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IPF

International Personal Finance plc
Chart
248.50 GBp
Latest Week 2026-07-24
Financial ServicesCredit ServicesSMALL
Snapshot 2026-07-26 · 0.9w · Fresh
0.73
OS Score
84.0%
Value
5.0%
Quality
92.0%
Momentum
1/9
F-Score
0.205
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
4 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
5.1%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 36%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 18%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 2.05
V
Value Analysis
Cheapness relative to fundamentals
84.0%ile
P/E
10.2×
P/S
0.8×
P/B
1.0×
FCF Yield
-0.034
SH Yield
0.051
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
10.00000000
/100 — 1=cheapest
VC2 (Trending Value)
11.00000000
/100
VC3 (Buyback)
12.00000000
/100
P/E of 10.2x places this firmly in deep value territory. Negative FCF yield (-3.4%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
5.0%ile
ROE
0.099
ROA
0.041
Net Margin
0.081
F-Score
1/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.016
Earn Growth
-0.120
Accruals
0.044
lower=better
5yr Consist
No
F-Score of 1/9 flags fundamental deterioration — multiple signals are weakening.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
92.0%ile
6M Return
5.1%
12M Return
36.6%
12-1 Mom
36.1%
Risk-Adj
2.05
Vol 252d
17.6%
Vol 60d
34.2%
↑ Expanding
Max DD 12M
-6.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 36% is very strong — a clear uptrend. Risk-adjusted momentum of 2.05 is excellent — strong returns relative to volatility. Near-term vol (34%) is expanding vs long-term (18%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.73
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 185 peers
Sector Value %ile
78.5%
Sector Quality %ile
4.3%
P/E z-score
-0.19
P/B z-score
-0.11
Sector Avg OS
56.7%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BEZ Beazley plc 98.0% 93.0% 91.0% 93.0%
CRE Conduit Holdings Limited 98.0% 99.0% 88.0% 85.0%
JUP Jupiter Fund Management Plc 98.0% 96.0% 89.0% 89.0%
BGEO Lion Finance Group PLC 97.0% 96.0% 81.0% 95.0%
FEML Fidelity Emerging Markets Limited 97.0% 91.0% 86.0% 97.0%
CLIG City of London Investment Group Plc 97.0% 90.0% 97.0% 90.0%
STAN Standard Chartered PLC 97.0% 93.0% 83.0% 95.0%
AIBG AIB Group plc 97.0% 90.0% 88.0% 95.0%
Factor Interactions
Trending Value Signal
Cheap (84th value) with strong momentum (92th). The market is starting to recognise the value.
Cheap for a Reason?
Looks cheap (84th value) but weak quality (5th). Classic value trap risk.
Volatility Expanding
60-day vol (34%) significantly exceeds 252-day (18%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
69.1% avg (5 factors)
Quality
D
33.7% avg (4 factors)
Momentum
B
68.9% avg (4 factors)
Risk
A
87.4% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.730—3—
Value %ile0.840—8—
Quality %ile0.050—8—
Momentum %ile0.920—8—
F-Score1.000—8—
Confidence0.546—0—
Volatility0.176—1—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
10.18
Price / Sales
0.83
Price / Book
1.01
FCF Yield
-3.4%
Sales Yield (1/P·S)
0.5734
Shareholder Yield
Div + net buyback / mktcap
5.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.9%
Return on Assets
4.1%
Net Margin
8.1%
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.044
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
5.1%
12M Return
36.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
36.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
2.05
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
1.6%
Earnings Growth (YoY)
-12.0%
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
1
Dividend Yield
5.2%
Buyback Yield
-0.1%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
10
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
11
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
12
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity