An overview of IPF
At a Glance

IPF is a leading international home credit and digital provider of consumer finance. Here are a few of our Group statistics for the twelve months ended 31 December 2018. The following performance metrics relate to continuing operations.

customers 2,301 +1% Customers (‘000)
credit-issued £1,360.6m +6% Credit issued (£M)
revenue £866.4m +4% Revenue (£M)*
profit-before-tax £109.3m +12% Profit before tax (£M)*
eps 33.8p Pre-exceptional earnings per share (p)
home-credit-markets 5 Home credit markets
digital-markets 8 IPF Digital markets
agents 21,000 Agents
customer-retention 61.8% home credit
64.5% IPF Digital
Customer retention
credit-issued-per-customer £923.4m Average net receivables
impairmant 26.2% Impairment % revenue
cost-income-ratio 44.9% Cost-income ratio

* 2018 actual full-year performance against 2017 adjusted for IFRS9