IPF is a leading international consumer credit provider supporting customers who are underserved by traditional lenders.
Guided by our purpose to build a better world through financial inclusion, we offer fair, flexible credit and value-added services to millions of people across our markets through a growing multi-product, multi-channel proposition.
2025 was a year of growth and transformation. Through our Next Gen strategy, we are moving faster, reaching more customers and reshaping how we create value. We are accelerating growth while reinvesting in our products, people and technology to make IPF an even better business. From launching new digital credit products and expanding retail partnerships to enhancing customer journeys through AI, we are delivering on our plans and building momentum for the future.
profit before tax
+4%
pre-exceptional earnings per share
+5.6%
dividend per share
+12.3%
net zero target approved
total community investment
colleagues volunteered to support their communities
*at constant exchange rates
In 2025, we delivered a very strong performance, and are now focused on accelerating the rate of growth and the pace of change to better serve our customers.
Read CEO review
We are making a real difference in the lives of millions of people and helping to shape more financially inclusive communities.
We delivered another strong financial performance in 2025, building on the momentum achieved in recent years and delivering increased returns to shareholders.
Read CFO's financial review
