IPF LSE Week ended 31 Jul 2026

Weekly Investor Report

International Personal Finance plc · Financial Services · Credit Services

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Latest close 249.5 GBP
0.5% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 1.7% above the Trend Line and sits at 87.3% of its 52-week range. The latest completed week returned 0.5%, after a 0.5% four-week move. The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks weakly; valuation is inexpensive relative to peers. The latest news-sentiment score is 51/100.

Setup score 66 out of 100
Latest Close 249.5 GBP 31 Jul 2026
1W Return 0.5% latest completed week
4W Return 0.5% short-term follow-through
12W Return 0.4% quarterly tape
Trend Breadth 100.0% 52 of 52 weeks active
Volume Ratio 2.4x vs 13-week average
What is working
  • The trend backdrop is active with a 67-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Volume is elevated versus the 13-week average, confirming attention.
What could go wrong
  • Activity pressure is negative, which weakens the current setup.
  • 13 reversal markers appear in the recent smart-money tape.
What to watch next
  • Price is close to its 52-week high; watch for continuation or exhaustion.
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 0.5% Latest completed week; four-week move 0.5%. Indicator stack 100/42 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. News sentiment 51/100 16 relevant articles in the latest sentiment read.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 1.7% above the Trend Line and sits at 87.3% of its 52-week range. The latest completed week returned 0.5%, after a 0.5% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 2.4x the 13-week average. Participation is unusually strong and confirms that the move is attracting attention.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.7612-week average 0.73

12-week confirmation

Trend active12/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure0/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership12/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.76Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers1313 reversal markers

No recent accumulation markers. 13 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 0.5% over four weeks, 0.4% over 12 weeks, and 17.8% over one year. The current trend has remained active for 67 consecutive weeks.

Performance by holding period

1W0.5%
4W0.5%
12W0.4%
26W6.2%
52W17.8%
Active trend streak67 weeks
Active weeks in one year52
Trend breadth100.0%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure-0.61Latest activity-pressure read.
Pressure change39.1%Four-week change in activity pressure.
Leadership0.17Latest relative-leadership reading.
RS change-92.8%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks weakly; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Dec 2025 Field coverage 67% Model confidence 55%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength74/100Blend of value, momentum, and quality. Underlying universe rank 27; rank 1 is best.
Value85/100Relative valuation strength. Underlying universe rank 16; rank 1 is best.
Quality6/100Profitability and accounting quality. Underlying universe rank 95; rank 1 is best.
Momentum93/100Medium-term price momentum. Underlying universe rank 8; rank 1 is best.
Growth8/100Revenue and earnings growth. Underlying universe rank 93; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
10.2x
Price divided by trailing earnings.
Price / sales
0.8x
Market value relative to trailing revenue.
EV / EBITDA
-
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
-3.4%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
-
Gross profit retained from each unit of revenue.
Operating margin
-
Operating profit retained from revenue.
Free-cash-flow margin
-6.0%
Free cash flow generated from revenue.
Return on invested capital
-
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
1.6%
Latest one-year revenue growth.
EPS growth
-12.0%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-6716.7%
Latest one-year free-cash-flow growth.
Piotroski F-score
1/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
5.2%
Cash dividends relative to market value.
Buyback yield
-0.1%
Net share repurchases relative to market value.
Shareholder yield
5.1%
Dividend yield plus net buyback yield.
Net debt / EBITDA
-
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Insider activity-

No recent insider transactions are stored for this company.

News sentiment51/100

Weighted news tone is neutral across 16 relevant articles.

1 positive · 15 neutral · 0 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings-No event is currently stored.
Options expected move-Nearest-chain priced movement where available.
52-week drawdown-3.1%Distance below the 52-week high.
13-week volatility0.3%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher12 of 266 weeks finished lower.
Best week+4.9%Week of 13 Mar.
Worst week-3.7%Week of 27 Mar.
Latest week+0.5%Week of 31 Jul.

Shape of recent returns

Strong gains2
Modest gains10
Flat weeks8
Modest losses6
Sharp losses0
Recent vol0.3%13-week weekly-return volatility.
Base vol2.4%52-week weekly-return volatility.
Up/down split23/20Count of positive and negative weeks in the 52-week window.
Average skew2.0% / -1.4%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape68/100

Trend, activity pressure, participation, and risk combine to a 68/100 tape read.

 Indicator analysis58/100

Latest 12-week confirmation: trend 12/12, activity pressure 0/12, relative leadership 12/12.

Activity pressure 0.76; 13 reversal markers Factors62/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 87; Small Cap Core rank 24 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Sentiment51/100

Weighted news tone is neutral across 16 relevant articles.

International Personal Finance (LON:IPF) Posts Quarterly Earnings Results Insiders50/100

No recent insider transaction evidence is stored.

 Earnings50/100

No stored earnings event is currently attached to this ticker.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 2026249.5 GBP0.5%245.3 GBP165.3 GBP-0.610.174.2MOn
24 Jul 2026248.4 GBP-0.2%244.8 GBP164.5 GBP-0.630.901.0MOn
17 Jul 2026248.9 GBP0.2%243.8 GBP163.6 GBP-0.752.681.7MOn
10 Jul 2026248.4 GBP0.0%243.0 GBP162.8 GBP-0.913.791.1MOn
3 Jul 2026248.4 GBP0.4%241.6 GBP161.9 GBP-1.012.413.5MOn
26 Jun 2026247.4 GBP-0.5%240.1 GBP161.1 GBP-1.183.98526.3KOn
19 Jun 2026248.5 GBP0.4%238.7 GBP160.2 GBP-1.076.33579.9KOn
12 Jun 2026247.5 GBP-0.2%237.2 GBP159.4 GBP-0.975.3083.7KOn
5 Jun 2026248.0 GBP0.0%235.8 GBP158.5 GBP-0.917.102.1MOn
29 May 2026248.0 GBP0.2%234.3 GBP157.7 GBP-0.797.19607.4KOn
22 May 2026247.5 GBP0.0%232.8 GBP156.8 GBP-0.746.891.3MOn
15 May 2026247.5 GBP-0.4%231.4 GBP156.0 GBP-0.7010.314.2MOn
8 May 2026248.5 GBP0.4%230.1 GBP155.0 GBP-0.6110.991.4MOn
1 May 2026247.5 GBP0.0%228.9 GBP154.1 GBP-0.609.827.3MOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.