Investment Proposition

IPF creates long-term value beyond profit and returns by striving to have a positive effect on all our stakeholders. Our history of growth and innovation has successfully helped meet the credit needs of over 14 million customers, created genuine career opportunities for our people to develop and grow, and generated more than £1 billion of profit in the past decade. 

Highly-responsible and financially inclusive

A specialist market-leading lender, offering a growing sector of underserved consumers access to regulated credit in a responsible way and at a fair, transparent price. 

Substantial opportunities for long-term growth

Increasing demand, a scalable, leading-edge digital business and new products and distribution channels offer attractive, sustainable growth prospects.

Effective risk management

Successful track record of managing key risks including credit, regulation, competition and liquidity. Well-developed risk management framework and processes, aligned to strategic objectives.

Strong financial profile

Highly cash and capital generative business with a robust balance sheet and strong funding position, which provide a solid foundation to support long-term growth and a progressive dividend policy.

Experienced management team

Purpose-led and values-based organisation, led by highly experienced and proven team with deep industry knowledge.

Close up of female accountant or banker making calculations. Savings, finances and economy concept

Our Financial Performance

Our Strategy

Our Business Model