International Personal Finance

International Personal Finance is a British-based international financial services business providing home credit and digital consumer credit to 1.7 million customers in nine markets.^[2] It is listed on the London Stock Exchange and is a constituent of the FTSE Small Cap Index. It took a secondary listing on the Warsaw Stock Exchange in March 2013 and later delisted in 2022.^[3] It has a head office in Leeds, West Yorkshire.

International Personal Finance

Company type	Public
Traded as	LSE: IPF
Industry	Finance
Founded	1997
Headquarters	Leeds, West Yorkshire, UK
Key people	Stuart Sinclair, Chairman Gerard Ryan, Chief Executive Officer Gary Thompson, Chief Financial Officer
Revenue	£726.3 million (2024)[1]
Operating income	£85.2 million (2024)[1]
Net income	£60.9 million (2024)[1]
Website	www.ipfin.co.uk

History

The company was first established as a division of Provident Financial in 1997. It was demerged from Provident Financial in 2007^[4] and listed on the London Stock Exchange on 16 July 2007.^[5] It went on to acquire Maritime Commercial Bank of Kaliningrad in 2008,^[6] before closing its pilot Russian operation in 2009.^[7] IPF acquired digital loans company MCB Finance in 2015.^[8]

Operations

The company has operations organised as follows:

• Poland – home credit and digital
• Hungary – home credit
• Romania – home credit
• Czech Republic – home credit and digital
• Mexico – home credit and digital
• Australia – digital
• Latvia – digital
• Lithuania – digital
• Estonia – digital