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International Personal Finance PLC
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Let's analyse International Personal Finance PLC together

PenkeI guess you are interested in International Personal Finance PLC. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of International Personal Finance PLC. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of International Personal Finance PLC (30 sec.)










What can you expect buying and holding a share of International Personal Finance PLC? (30 sec.)

How much money do you get?

How much money do you get?
€0.00
When do you have the money?
1 year
How often do you get paid?
0.0%

What is your share worth?

Current worth
€48.21
Expected worth in 1 year
€50.60
How sure are you?
79.3%

+ What do you gain per year?

Total Gains per Share
€2.40
Return On Investment
2.9%

For what price can you sell your share?

Current Price per Share
€81.74
Expected price per share
€77.60 - €95.40
How sure are you?
50%

1. Valuation of International Personal Finance PLC (5 min.)




Live pricePrice per Share (EOD)

€81.74

Intrinsic Value Per Share

€52.58 - €61.87

Total Value Per Share

€100.78 - €110.07

2. Growth of International Personal Finance PLC (5 min.)




Is International Personal Finance PLC growing?

Current yearPrevious yearGrowGrow %
How rich?$2.4b$2.5b-$194.5m-8.2%

How much money is International Personal Finance PLC making?

Current yearPrevious yearGrowGrow %
Making money$54.7m$27.4m$27.2m49.8%
Net Profit Margin16.9%7.0%--

How much money comes from the company's main activities?

3. Financial Health of International Personal Finance PLC (5 min.)




4. Comparing to competitors in the Semiconductor Equipment & Materials industry (5 min.)




  Industry Rankings (Semiconductor Equipment & Materials)  


Richest
#21 / 151

Most Revenue
#33 / 151

Most Profit
#26 / 151

What can you expect buying and holding a share of International Personal Finance PLC? (5 min.)

Welcome investor! International Personal Finance PLC's management wants to use your money to grow the business. In return you get a share of International Personal Finance PLC.

What can you expect buying and holding a share of International Personal Finance PLC?

First you should know what it really means to hold a share of International Personal Finance PLC. And how you can make/lose money.

Speculation

The Price per Share of International Personal Finance PLC is €81.74. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of International Personal Finance PLC.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in International Personal Finance PLC, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €48.21. Based on the TTM, the Book Value Change Per Share is €0.60 per quarter. Based on the YOY, the Book Value Change Per Share is €-0.46 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of International Personal Finance PLC.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.891.1%1.161.4%0.430.5%0.931.1%1.261.5%
Usd Book Value Change Per Share1.341.6%0.650.8%-0.50-0.6%0.210.3%1.802.2%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share1.341.6%0.650.8%-0.50-0.6%0.210.3%1.802.2%
Usd Price Per Share106.89-115.97-98.98-136.24-141.62-
Price to Earnings Ratio29.88-25.23-13.04-7.93-11.79-
Price-to-Total Gains Ratio79.89--50.09-4,059.83-939.17-380.24-
Price to Book Ratio2.05-2.29-1.97-2.76-3.02-
Price-to-Total Gains Ratio79.89--50.09-4,059.83-939.17-380.24-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share88.418158
Number of shares11
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.650.21
Usd Total Gains Per Share0.650.21
Gains per Quarter (11 shares)7.132.36
Gains per Year (11 shares)28.529.43
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10291909-1
2057480198
30867702817
4011410603826
5014313504735
6017116405744
7020019306653
8022822207562
9025725108571
10028528009480

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%11.01.00.091.7%18.02.00.090.0%27.02.00.093.1%27.02.00.093.1%
Book Value Change Per Share3.01.00.075.0%9.03.00.075.0%15.05.00.075.0%23.06.00.079.3%23.06.00.079.3%
Dividend per Share0.00.04.00.0%0.00.012.00.0%0.00.020.00.0%0.00.029.00.0%0.00.029.00.0%
Total Gains per Share3.01.00.075.0%9.03.00.075.0%15.05.00.075.0%23.06.00.079.3%23.06.00.079.3%

Fundamentals of International Personal Finance PLC

About International Personal Finance PLC

IPG Photonics Corporation develops, manufactures, and sells various high-performance fiber lasers, fiber amplifiers, and diode lasers used in various applications primarily in materials processing worldwide. Its laser products include hybrid fiber-solid state lasers with green and ultraviolet wavelengths; fiber pigtailed packaged diodes and fiber coupled direct diode laser systems; high-energy pulsed lasers, multi-wavelength and tunable lasers, and single-polarization and single-frequency lasers; and high-power optical fiber delivery cables, fiber couplers, beam switches, chillers, scanners, and other accessories. The company also offers integrated laser systems; LightWELD, a handheld laser welding system; 2D compact flat sheet cutter systems and multi-axis systems for fine welding, cutting, and drilling; welding seam stepper and picker, a fiber laser welding tool; high precision laser systems; specialized fiber laser systems for material processing applications; robotic and multi-axis workstations for welding, cutting and cladding, flatbed cutting systems, and diode markers; and laser and non-laser robotic welding and automation solutions. It serves materials processing, communications, medical procedures, and advanced applications and communications markets. The company markets its products to original equipment manufacturers, system integrators, and end users through direct sales force, as well as through agreements with independent sales representatives and distributors. IPG Photonics Corporation was founded in 1990 and is headquartered in Marlborough, Massachusetts.

Fundamental data was last updated by Penke on 2024-03-27 18:03:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of International Personal Finance PLC.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit International Personal Finance PLC earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare International Personal Finance PLC to the Semiconductor Equipment & Materials industry mean.
  • A Net Profit Margin of 13.9% means that €0.14 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of International Personal Finance PLC:

  • The MRQ is 13.9%. The company is making a huge profit. +2
  • The TTM is 16.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.9%TTM16.9%-3.1%
TTM16.9%YOY7.0%+10.0%
TTM16.9%5Y13.9%+3.0%
5Y13.9%10Y17.7%-3.8%
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ13.9%9.6%+4.3%
TTM16.9%10.1%+6.8%
YOY7.0%14.4%-7.4%
5Y13.9%11.5%+2.4%
10Y17.7%9.2%+8.5%
1.1.2. Return on Assets

Shows how efficient International Personal Finance PLC is using its assets to generate profit.

  • Above 5% is considered healthy but always compare International Personal Finance PLC to the Semiconductor Equipment & Materials industry mean.
  • 1.5% Return on Assets means that International Personal Finance PLC generated €0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of International Personal Finance PLC:

  • The MRQ is 1.5%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.0%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.5%TTM2.0%-0.5%
TTM2.0%YOY0.8%+1.2%
TTM2.0%5Y1.6%+0.4%
5Y1.6%10Y2.4%-0.8%
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ1.5%1.3%+0.2%
TTM2.0%1.5%+0.5%
YOY0.8%2.1%-1.3%
5Y1.6%1.7%-0.1%
10Y2.4%1.5%+0.9%
1.1.3. Return on Equity

Shows how efficient International Personal Finance PLC is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare International Personal Finance PLC to the Semiconductor Equipment & Materials industry mean.
  • 1.7% Return on Equity means International Personal Finance PLC generated €0.02 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of International Personal Finance PLC:

  • The MRQ is 1.7%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 2.3%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ1.7%TTM2.3%-0.6%
TTM2.3%YOY0.9%+1.4%
TTM2.3%5Y1.9%+0.4%
5Y1.9%10Y2.7%-0.9%
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ1.7%2.4%-0.7%
TTM2.3%2.4%-0.1%
YOY0.9%3.7%-2.8%
5Y1.9%2.9%-1.0%
10Y2.7%2.7%+0.0%

1.2. Operating Efficiency of International Personal Finance PLC.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient International Personal Finance PLC is operating .

  • Measures how much profit International Personal Finance PLC makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare International Personal Finance PLC to the Semiconductor Equipment & Materials industry mean.
  • An Operating Margin of 0.0% means the company generated €0.00  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of International Personal Finance PLC:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY9.8%-9.8%
TTM-5Y17.3%-17.3%
5Y17.3%10Y23.5%-6.2%
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ-13.7%-13.7%
TTM-4.8%-4.8%
YOY9.8%16.0%-6.2%
5Y17.3%12.5%+4.8%
10Y23.5%8.2%+15.3%
1.2.2. Operating Ratio

Measures how efficient International Personal Finance PLC is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Semiconductor Equipment & Materials industry mean).
  • An Operation Ratio of 1.52 means that the operating costs are €1.52 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of International Personal Finance PLC:

  • The MRQ is 1.520. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.403. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.520TTM1.403+0.117
TTM1.403YOY1.459-0.057
TTM1.4035Y1.366+0.036
5Y1.36610Y1.231+0.135
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ1.5201.441+0.079
TTM1.4031.430-0.027
YOY1.4591.392+0.067
5Y1.3661.400-0.034
10Y1.2311.264-0.033

1.3. Liquidity of International Personal Finance PLC.

1.3. Liquidity
1.3.1. Current Ratio

Measures if International Personal Finance PLC is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Semiconductor Equipment & Materials industry mean).
  • A Current Ratio of 8.91 means the company has €8.91 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of International Personal Finance PLC:

  • The MRQ is 8.911. The company is very able to pay all its short-term debts. +2
  • The TTM is 8.440. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ8.911TTM8.440+0.471
TTM8.440YOY7.357+1.084
TTM8.4405Y8.669-0.229
5Y8.66910Y8.694-0.025
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ8.9112.535+6.376
TTM8.4402.535+5.905
YOY7.3572.513+4.844
5Y8.6692.667+6.002
10Y8.6942.366+6.328
1.3.2. Quick Ratio

Measures if International Personal Finance PLC is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare International Personal Finance PLC to the Semiconductor Equipment & Materials industry mean.
  • A Quick Ratio of 4.10 means the company can pay off €4.10 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of International Personal Finance PLC:

  • The MRQ is 4.104. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 3.603. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ4.104TTM3.603+0.501
TTM3.603YOY2.619+0.984
TTM3.6035Y3.471+0.132
5Y3.47110Y3.168+0.303
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ4.1040.918+3.186
TTM3.6030.927+2.676
YOY2.6190.957+1.662
5Y3.4711.175+2.296
10Y3.1681.165+2.003

1.4. Solvency of International Personal Finance PLC.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of International Personal Finance PLC assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare International Personal Finance PLC to Semiconductor Equipment & Materials industry mean.
  • A Debt to Asset Ratio of 0.11 means that International Personal Finance PLC assets are financed with 10.5% credit (debt) and the remaining percentage (100% - 10.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of International Personal Finance PLC:

  • The MRQ is 0.105. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.112. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.105TTM0.112-0.007
TTM0.112YOY0.130-0.018
TTM0.1125Y0.123-0.011
5Y0.12310Y0.126-0.003
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1050.368-0.263
TTM0.1120.371-0.259
YOY0.1300.381-0.251
5Y0.1230.364-0.241
10Y0.1260.374-0.248
1.4.2. Debt to Equity Ratio

Measures if International Personal Finance PLC is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare International Personal Finance PLC to the Semiconductor Equipment & Materials industry mean.
  • A Debt to Equity ratio of 11.7% means that company has €0.12 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of International Personal Finance PLC:

  • The MRQ is 0.117. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.126. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.117TTM0.126-0.009
TTM0.126YOY0.149-0.023
TTM0.1265Y0.140-0.014
5Y0.14010Y0.145-0.004
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1170.583-0.466
TTM0.1260.606-0.480
YOY0.1490.654-0.505
5Y0.1400.581-0.441
10Y0.1450.646-0.501

2. Market Valuation of International Personal Finance PLC

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings International Personal Finance PLC generates.

  • Above 15 is considered overpriced but always compare International Personal Finance PLC to the Semiconductor Equipment & Materials industry mean.
  • A PE ratio of 29.88 means the investor is paying €29.88 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of International Personal Finance PLC:

  • The EOD is 24.714. Based on the earnings, the company is fair priced.
  • The MRQ is 29.879. Based on the earnings, the company is overpriced. -1
  • The TTM is 25.231. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD24.714MRQ29.879-5.164
MRQ29.879TTM25.231+4.647
TTM25.231YOY13.037+12.194
TTM25.2315Y7.932+17.299
5Y7.93210Y11.791-3.859
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
EOD24.71419.587+5.127
MRQ29.87917.678+12.201
TTM25.23119.426+5.805
YOY13.03716.204-3.167
5Y7.93225.400-17.468
10Y11.79123.412-11.621
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of International Personal Finance PLC:

  • The EOD is 12.666. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 15.313. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 109.787. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD12.666MRQ15.313-2.647
MRQ15.313TTM109.787-94.474
TTM109.787YOY-9.782+119.569
TTM109.7875Y35.378+74.409
5Y35.37810Y24.399+10.979
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
EOD12.6667.894+4.772
MRQ15.3137.391+7.922
TTM109.7872.468+107.319
YOY-9.7822.927-12.709
5Y35.3781.867+33.511
10Y24.399-1.251+25.650
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of International Personal Finance PLC is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Semiconductor Equipment & Materials industry mean).
  • A PB ratio of 2.05 means the investor is paying €2.05 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of International Personal Finance PLC:

  • The EOD is 1.696. Based on the equity, the company is underpriced. +1
  • The MRQ is 2.050. Based on the equity, the company is underpriced. +1
  • The TTM is 2.288. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.696MRQ2.050-0.354
MRQ2.050TTM2.288-0.238
TTM2.288YOY1.974+0.313
TTM2.2885Y2.763-0.476
5Y2.76310Y3.017-0.254
Compared to industry (Semiconductor Equipment & Materials)
PeriodCompanyIndustry (mean)+/- 
EOD1.6962.600-0.904
MRQ2.0502.510-0.460
TTM2.2882.492-0.204
YOY1.9742.805-0.831
5Y2.7632.779-0.016
10Y3.0173.026-0.009
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of International Personal Finance PLC compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.2370.599+106%-0.459+137%0.198+524%1.662-26%
Book Value Per Share--48.20846.925+3%46.379+4%45.723+5%43.801+10%
Current Ratio--8.9118.440+6%7.357+21%8.669+3%8.694+2%
Debt To Asset Ratio--0.1050.112-6%0.130-19%0.123-15%0.126-17%
Debt To Equity Ratio--0.1170.126-7%0.149-21%0.140-16%0.145-19%
Dividend Per Share----0%-0%-0%-0%
Eps--0.8271.076-23%0.397+108%0.855-3%1.162-29%
Free Cash Flow Per Share--1.6130.917+76%0.460+250%0.847+90%0.847+90%
Free Cash Flow To Equity Per Share--0.408-0.246+160%-2.477+707%-0.325+180%-0.325+180%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--61.866--------
Intrinsic Value_10Y_min--52.576--------
Intrinsic Value_1Y_max--3.788--------
Intrinsic Value_1Y_min--3.719--------
Intrinsic Value_3Y_max--13.219--------
Intrinsic Value_3Y_min--12.583--------
Intrinsic Value_5Y_max--24.866--------
Intrinsic Value_5Y_min--22.922--------
Market Cap3768058694.000-21%4577408708.2205040009145.898-9%4714609324.900-3%6408829183.137-29%6451214046.843-29%
Net Profit Margin--0.1390.169-18%0.070+99%0.1390%0.177-22%
Operating Margin----0%0.098-100%0.173-100%0.235-100%
Operating Ratio--1.5201.403+8%1.459+4%1.366+11%1.231+24%
Pb Ratio1.696-21%2.0502.288-10%1.974+4%2.763-26%3.017-32%
Pe Ratio24.714-21%29.87925.231+18%13.037+129%7.932+277%11.791+153%
Price Per Share81.740-21%98.820107.213-8%91.505+8%125.949-22%130.927-25%
Price To Free Cash Flow Ratio12.666-21%15.313109.787-86%-9.782+164%35.378-57%24.399-37%
Price To Total Gains Ratio66.084-21%79.893-50.093+163%4059.826-98%939.170-91%380.238-79%
Quick Ratio--4.1043.603+14%2.619+57%3.471+18%3.168+30%
Return On Assets--0.0150.020-25%0.008+86%0.016-6%0.024-36%
Return On Equity--0.0170.023-25%0.009+81%0.019-8%0.027-37%
Total Gains Per Share--1.2370.599+106%-0.459+137%0.198+524%1.662-26%
Usd Book Value--2415461446.9352384178206.852+1%2578698863.236-6%2498182514.974-3%2334627992.086+3%
Usd Book Value Change Per Share--1.3380.648+106%-0.496+137%0.214+524%1.798-26%
Usd Book Value Per Share--52.14750.758+3%50.169+4%49.458+5%47.379+10%
Usd Dividend Per Share----0%-0%-0%-0%
Usd Eps--0.8941.163-23%0.430+108%0.925-3%1.257-29%
Usd Free Cash Flow--80837558.42846377217.792+74%25627811.095+215%37613290.423+115%25940200.292+212%
Usd Free Cash Flow Per Share--1.7450.992+76%0.498+250%0.916+90%0.916+90%
Usd Free Cash Flow To Equity Per Share--0.441-0.266+160%-2.679+707%-0.351+180%-0.351+180%
Usd Market Cap4075909089.300-21%4951382999.6825451777893.117-9%5099792906.744-3%6932430527.399-29%6978278234.470-29%
Usd Price Per Share88.418-21%106.894115.972-8%98.981+8%136.239-22%141.624-25%
Usd Profit--41429311.19654721231.872-24%27478119.655+51%47351948.642-13%61166832.421-32%
Usd Revenue--298902459.963321869936.861-7%357398061.291-16%334668141.911-11%339391258.635-12%
Usd Total Gains Per Share--1.3380.648+106%-0.496+137%0.214+524%1.798-26%
 EOD+4 -4MRQTTM+20 -12YOY+22 -115Y+18 -1510Y+15 -18

3.2. Fundamental Score

Let's check the fundamental score of International Personal Finance PLC based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1524.714
Price to Book Ratio (EOD)Between0-11.696
Net Profit Margin (MRQ)Greater than00.139
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than14.104
Current Ratio (MRQ)Greater than18.911
Debt to Asset Ratio (MRQ)Less than10.105
Debt to Equity Ratio (MRQ)Less than10.117
Return on Equity (MRQ)Greater than0.150.017
Return on Assets (MRQ)Greater than0.050.015
Total5/10 (50.0%)

3.3. Technical Score

Let's check the technical score of International Personal Finance PLC based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5049.013
Ma 20Greater thanMa 5080.941
Ma 50Greater thanMa 10084.503
Ma 100Greater thanMa 20087.655
OpenGreater thanClose81.780
Total1/5 (20.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets2,698,898
Total Liabilities283,513
Total Stockholder Equity2,415,385
 As reported
Total Liabilities 283,513
Total Stockholder Equity+ 2,415,385
Total Assets = 2,698,898

Assets

Total Assets2,698,898
Total Current Assets1,914,654
Long-term Assets784,244
Total Current Assets
Cash And Cash Equivalents 514,674
Short-term Investments 662,807
Net Receivables 219,053
Inventory 453,874
Other Current Assets 38,208
Total Current Assets  (as reported)1,914,654
Total Current Assets  (calculated)1,888,616
+/- 26,038
Long-term Assets
Property Plant Equipment 602,257
Goodwill 38,540
Intangible Assets 26,234
Long-term Assets Other 28,425
Long-term Assets  (as reported)784,244
Long-term Assets  (calculated)695,456
+/- 88,788

Liabilities & Shareholders' Equity

Total Current Liabilities214,861
Long-term Liabilities68,652
Total Stockholder Equity2,415,385
Total Current Liabilities
Accounts payable 28,618
Other Current Liabilities 13,198
Total Current Liabilities  (as reported)214,861
Total Current Liabilities  (calculated)41,816
+/- 173,045
Long-term Liabilities
Capital Lease Obligations Min Short Term Debt18,261
Long-term Liabilities Other 5,369
Long-term Liabilities  (as reported)68,652
Long-term Liabilities  (calculated)23,630
+/- 45,022
Total Stockholder Equity
Retained Earnings 2,795,394
Total Stockholder Equity (as reported)2,415,385
Total Stockholder Equity (calculated)2,795,394
+/- 380,009
Other
Capital Stock6
Common Stock Shares Outstanding 46,321
Net Invested Capital 2,415,385
Net Working Capital 1,699,793
Property Plant and Equipment Gross 1,156,159



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-31
> Total Assets 
1,789,999
1,902,573
2,030,542
2,246,065
2,367,255
2,498,007
2,530,478
2,562,099
2,574,450
2,628,736
2,737,416
2,730,904
2,730,436
2,680,134
2,758,736
2,794,932
2,935,700
2,982,951
3,086,512
3,143,910
3,170,540
3,098,469
3,048,769
2,962,520
2,743,280
2,671,156
2,696,417
2,672,864
2,698,898
2,698,8982,672,8642,696,4172,671,1562,743,2802,962,5203,048,7693,098,4693,170,5403,143,9103,086,5122,982,9512,935,7002,794,9322,758,7362,680,1342,730,4362,730,9042,737,4162,628,7362,574,4502,562,0992,530,4782,498,0072,367,2552,246,0652,030,5421,902,5731,789,999
   > Total Current Assets 
1,300,962
1,391,014
1,510,774
1,642,539
1,754,010
1,864,886
1,836,035
1,882,285
1,805,424
1,792,094
1,863,082
1,865,515
1,896,634
1,874,526
1,950,526
2,031,653
2,148,077
2,202,261
2,290,592
2,325,175
2,347,683
2,282,834
2,170,851
2,119,087
1,986,274
1,915,587
1,924,068
1,920,460
1,914,654
1,914,6541,920,4601,924,0681,915,5871,986,2742,119,0872,170,8512,282,8342,347,6832,325,1752,290,5922,202,2612,148,0772,031,6531,950,5261,874,5261,896,6341,865,5151,863,0821,792,0941,805,4241,882,2851,836,0351,864,8861,754,0101,642,5391,510,7741,391,0141,300,962
       Cash And Cash Equivalents 
623,855
697,778
808,111
880,267
909,900
969,123
816,792
647,606
544,358
548,938
530,013
580,329
680,070
570,058
747,859
763,920
876,231
896,741
754,199
794,904
709,105
642,517
771,788
869,274
698,209
521,137
573,071
528,284
514,674
514,674528,284573,071521,137698,209869,274771,788642,517709,105794,904754,199896,741876,231763,920747,859570,058680,070580,329530,013548,938544,358647,606816,792969,123909,900880,267808,111697,778623,855
       Short-term Investments 
206,779
165,025
122,304
165,655
206,257
206,786
308,970
474,422
500,432
481,139
512,816
498,508
502,546
625,085
501,040
537,696
514,835
548,196
743,210
724,103
805,400
774,161
462,865
365,409
479,374
548,473
523,341
605,207
662,807
662,807605,207523,341548,473479,374365,409462,865774,161805,400724,103743,210548,196514,835537,696501,040625,085502,546498,508512,816481,139500,432474,422308,970206,786206,257165,655122,304165,025206,779
       Net Receivables 
155,901
180,226
237,332
226,756
237,278
235,477
242,128
251,613
255,509
231,850
273,697
252,926
248,124
209,292
211,917
247,123
273,320
260,547
257,713
280,209
271,466
267,306
257,773
204,189
219,967
250,381
231,125
229,597
219,053
219,053229,597231,125250,381219,967204,189257,773267,306271,466280,209257,713260,547273,320247,123211,917209,292248,124252,926273,697231,850255,509251,613242,128235,477237,278226,756237,332180,226155,901
       Inventory 
239,010
261,893
260,661
282,495
307,712
356,375
376,019
397,409
403,579
417,817
425,996
417,163
380,790
363,383
367,166
370,344
364,993
368,149
404,547
435,070
460,747
484,971
556,747
555,537
509,363
506,149
491,301
479,829
453,874
453,874479,829491,301506,149509,363555,537556,747484,971460,747435,070404,547368,149364,993370,344367,166363,383380,790417,163425,996417,817403,579397,409376,019356,375307,712282,495260,661261,893239,010
       Other Current Assets 
75,417
86,092
37,912
40,639
44,944
42,430
40,215
61,222
43,782
50,961
49,885
50,693
38,873
53,123
64,961
62,566
72,215
70,421
64,810
34,482
36,990
82,833
52,912
49,496
40,934
56,199
54,482
45,005
38,208
38,20845,00554,48256,19940,93449,49652,91282,83336,99034,48264,81070,42172,21562,56664,96153,12338,87350,69349,88550,96143,78261,22240,21542,43044,94440,63937,91286,09275,417
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
836,642
874,334
865,389
833,802
805,608
808,210
763,279
787,623
780,690
795,920
818,735
822,857
815,635
877,918
843,433
757,006
755,569
772,349
752,404
784,244
784,244752,404772,349755,569757,006843,433877,918815,635822,857818,735795,920780,690787,623763,279808,210805,608833,802865,389874,334836,642000000000
       Property Plant Equipment 
379,375
395,858
389,853
441,494
460,206
483,907
514,767
529,163
543,068
595,046
628,060
622,442
623,880
580,980
585,644
576,398
619,247
600,911
612,420
624,576
656,990
0
680,321
661,510
580,561
594,273
609,344
581,970
602,257
602,257581,970609,344594,273580,561661,510680,3210656,990624,576612,420600,911619,247576,398585,644580,980623,880622,442628,060595,046543,068529,163514,767483,907460,206441,494389,853395,858379,375
       Goodwill 
19,828
19,831
28,728
51,143
55,831
55,705
59,616
56,769
100,722
110,349
110,868
109,954
82,092
81,627
81,911
37,731
41,366
38,764
39,000
38,705
38,609
39,741
39,285
37,963
38,325
38,388
38,494
38,265
38,540
38,54038,26538,49438,38838,32537,96339,28539,74138,60938,70539,00038,76441,36637,73181,91181,62782,092109,954110,868110,349100,72256,76959,61655,70555,83151,14328,72819,83119,828
       Long Term Investments 
0
0
37
30
16
18
26,777
14,751
4,731
867
880
622
604
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000006046228808674,73114,75126,7771816303700
       Intangible Assets 
28,789
27,892
32,294
49,669
51,223
49,284
47,249
45,844
87,139
93,280
89,906
85,561
74,271
70,832
67,995
64,999
62,114
61,768
59,070
55,786
52,678
50,017
46,866
36,171
34,120
32,104
30,086
28,056
26,234
26,23428,05630,08632,10434,12036,17146,86650,01752,67855,78659,07061,76862,11464,99967,99570,83274,27185,56189,90693,28087,13945,84447,24949,28451,22349,66932,29427,89228,789
       Long-term Assets Other 
0
0
0
0
0
0
0
0
0
44,819
51,750
50,321
45,192
39,368
42,116
45,535
43,419
37,971
39,679
50,660
48,507
50,569
50,883
38,466
28,848
31,715
24,781
24,530
28,425
28,42524,53024,78131,71528,84838,46650,88350,56948,50750,66039,67937,97143,41945,53542,11639,36845,19250,32151,75044,819000000000
> Total Liabilities 
232,441
236,478
226,185
286,966
344,933
352,638
358,321
355,291
368,215
360,448
370,055
350,244
327,993
324,204
321,430
323,858
341,589
342,281
380,232
404,065
423,319
390,220
408,418
382,011
357,920
332,631
297,867
288,913
283,513
283,513288,913297,867332,631357,920382,011408,418390,220423,319404,065380,232342,281341,589323,858321,430324,204327,993350,244370,055360,448368,215355,291358,321352,638344,933286,966226,185236,478232,441
   > Total Current Liabilities 
158,275
157,736
156,785
182,191
198,903
195,560
210,279
217,985
245,774
209,816
222,228
205,563
191,904
195,432
195,286
201,445
214,578
214,753
255,905
292,840
313,433
279,836
315,902
295,788
274,646
249,522
228,187
219,709
214,861
214,861219,709228,187249,522274,646295,788315,902279,836313,433292,840255,905214,753214,578201,445195,286195,432191,904205,563222,228209,816245,774217,985210,279195,560198,903182,191156,785157,736158,275
       Short-term Debt 
3,188
3,188
22,563
3,576
3,604
3,621
3,637
3,654
3,671
3,688
3,705
3,722
3,740
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000003,7403,7223,7053,6883,6713,6543,6373,6213,6043,57622,5633,1883,188
       Short Long Term Debt 
3,188
3,188
22,563
3,576
3,604
3,621
3,637
3,654
3,671
3,688
3,705
3,722
3,740
3,757
3,775
3,792
3,810
3,828
3,846
18,788
18,126
17,459
32,225
16,328
16,031
15,734
0
0
0
00015,73416,03116,32832,22517,45918,12618,7883,8463,8283,8103,7923,7753,7573,7403,7223,7053,6883,6713,6543,6373,6213,6043,57622,5633,1883,188
       Accounts payable 
155,087
154,548
28,996
34,271
35,109
33,369
42,989
29,494
36,302
39,970
38,016
30,466
27,329
39,648
42,261
37,375
25,748
44,704
50,714
52,428
55,839
46,481
57,276
55,072
46,233
40,902
37,418
33,126
28,618
28,61833,12637,41840,90246,23355,07257,27646,48155,83952,42850,71444,70425,74837,37542,26139,64827,32930,46638,01639,97036,30229,49442,98933,36935,10934,27128,996154,548155,087
       Other Current Liabilities 
0
0
83,249
83,800
96,987
105,074
109,798
127,800
145,694
5,001
5,647
5,315
106,654
101,382
90,579
97,440
116,457
106,935
127,220
135,329
139,157
147,801
144,769
145,773
128,897
127,538
11,265
11,815
13,198
13,19811,81511,265127,538128,897145,773144,769147,801139,157135,329127,220106,935116,45797,44090,579101,382106,6545,3155,6475,001145,694127,800109,798105,07496,98783,80083,24900
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
150,632
147,827
144,681
136,089
128,772
126,144
122,413
127,011
127,528
124,327
111,225
109,886
110,384
92,516
86,223
83,274
83,109
69,680
69,204
68,652
68,65269,20469,68083,10983,27486,22392,516110,384109,886111,225124,327127,528127,011122,413126,144128,772136,089144,681147,827150,632000000000
       Capital Lease Obligations 
0
0
0
0
0
0
0
0
0
5,001
5,647
5,315
5,300
4,966
5,138
5,573
5,778
5,596
5,267
5,217
5,454
5,808
6,420
5,291
5,234
20,906
18,145
17,600
18,261
18,26117,60018,14520,9065,2345,2916,4205,8085,4545,2175,2675,5965,7785,5735,1384,9665,3005,3155,6475,001000000000
       Other Liabilities 
0
0
48,025
58,479
100,652
112,612
104,491
94,675
80,734
90,683
86,606
84,619
77,711
91,750
90,073
87,296
73,803
93,821
91,654
94,509
75,092
0
92,516
86,223
66,487
67,240
0
0
0
00067,24066,48786,22392,516075,09294,50991,65493,82173,80387,29690,07391,75077,71184,61986,60690,68380,73494,675104,491112,612100,65258,47948,02500
> Total Stockholder Equity
1,557,558
1,666,095
1,804,357
1,959,099
2,022,322
2,145,369
2,172,157
2,205,963
2,205,548
2,267,841
2,366,647
2,380,111
2,401,726
2,355,069
2,436,352
2,470,213
2,592,819
2,639,502
2,704,918
2,739,352
2,746,582
2,707,249
2,639,216
2,580,509
2,385,360
2,338,525
2,398,550
2,383,951
2,415,385
2,415,3852,383,9512,398,5502,338,5252,385,3602,580,5092,639,2162,707,2492,746,5822,739,3522,704,9182,639,5022,592,8192,470,2132,436,3522,355,0692,401,7262,380,1112,366,6472,267,8412,205,5482,205,9632,172,1572,145,3692,022,3221,959,0991,804,3571,666,0951,557,558
   Common Stock
5
5
5
5
5
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
0
6
6
6
0
0
0
0
00006660666666665555555555555
   Retained Earnings 
1,094,108
1,171,198
1,275,314
1,390,911
1,443,867
1,550,807
1,672,424
1,772,941
1,848,500
1,903,659
1,975,931
2,033,184
2,028,734
2,065,022
2,103,248
2,138,852
2,188,191
2,256,318
2,326,118
2,401,520
2,466,607
2,536,179
2,593,147
2,669,411
2,576,516
2,636,651
2,698,972
2,753,966
2,795,394
2,795,3942,753,9662,698,9722,636,6512,576,5162,669,4112,593,1472,536,1792,466,6072,401,5202,326,1182,256,3182,188,1912,138,8522,103,2482,065,0222,028,7342,033,1841,975,9311,903,6591,848,5001,772,9411,672,4241,550,8071,443,8671,390,9111,275,3141,171,1981,094,108
   Accumulated Other Comprehensive Income 00000000000000000000000000000
   Capital Surplus 00000000000000000000000000000
   Treasury Stock00000000000000000000000000000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue1,287,439
Cost of Revenue-745,741
Gross Profit541,698541,698
 
Operating Income (+$)
Gross Profit541,698
Operating Expense-1,055,873
Operating Income231,566-514,175
 
Operating Expense (+$)
Research Development98,704
Selling General Administrative211,428
Selling And Marketing Expenses-
Operating Expense1,055,873310,132
 
Net Interest Income (+$)
Interest Income-
Interest Expense--
Other Finance Cost-41,735
Net Interest Income41,735
 
Pretax Income (+$)
Operating Income231,566
Net Interest Income41,735
Other Non-Operating Income Expenses-
Income Before Tax (EBT)274,875229,992
EBIT - interestExpense = 0
218,878
218,878
Interest Expense-
Earnings Before Interest and Taxes (EBIT)-274,875
Earnings Before Interest and Taxes (EBITDA)-
 
After tax Income (+$)
Income Before Tax274,875
Tax Provision-55,997
Net Income From Continuing Ops218,878218,878
Net Income218,878
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net1,574-41,735
 

Technical Analysis of International Personal Finance PLC
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of International Personal Finance PLC. The general trend of International Personal Finance PLC is BEARISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine International Personal Finance PLC's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-71.4%) Bearish trend (71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of International Personal Finance PLC.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 86.10 < 88.08 < 95.40.

The bearish price targets are: 79.04 > 77.60.

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International Personal Finance PLC Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of International Personal Finance PLC. The current mas is .

The long score for the Moving Averages is 2/14.
The longshort score for the Moving Averages is -10/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

International Personal Finance PLC Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of International Personal Finance PLC. The current macd is -0.56149227.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the International Personal Finance PLC price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for International Personal Finance PLC. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the International Personal Finance PLC price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
International Personal Finance PLC Daily Moving Average Convergence/Divergence (MACD) ChartInternational Personal Finance PLC Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of International Personal Finance PLC. The current adx is 14.08.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy International Personal Finance PLC shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
International Personal Finance PLC Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of International Personal Finance PLC. The current sar is 79.66.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
International Personal Finance PLC Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of International Personal Finance PLC. The current rsi is 49.01. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
  • Trending down: The RSI is trending down. -1
International Personal Finance PLC Daily Relative Strength Index (RSI) ChartInternational Personal Finance PLC Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of International Personal Finance PLC. The current phase is Correction in bear market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the International Personal Finance PLC price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
International Personal Finance PLC Daily Stochastic Oscillator ChartInternational Personal Finance PLC Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of International Personal Finance PLC. The current cci is 60.10.

International Personal Finance PLC Daily Commodity Channel Index (CCI) ChartInternational Personal Finance PLC Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of International Personal Finance PLC. The current cmo is 4.7330217.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
International Personal Finance PLC Daily Chande Momentum Oscillator (CMO) ChartInternational Personal Finance PLC Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of International Personal Finance PLC. The current willr is -34.7826087.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that International Personal Finance PLC is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
International Personal Finance PLC Daily Williams %R ChartInternational Personal Finance PLC Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of International Personal Finance PLC.

International Personal Finance PLC Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of International Personal Finance PLC. The current atr is 1.04710385.

International Personal Finance PLC Daily Average True Range (ATR) ChartInternational Personal Finance PLC Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of International Personal Finance PLC. The current obv is 1,541.

International Personal Finance PLC Daily On-Balance Volume (OBV) ChartInternational Personal Finance PLC Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of International Personal Finance PLC. The current mfi is 50.74.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
International Personal Finance PLC Daily Money Flow Index (MFI) ChartInternational Personal Finance PLC Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for International Personal Finance PLC.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07 00:00:00WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-09 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-13 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-15 00:00:00CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-23 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29 00:00:00CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-30 00:00:00CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-01 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-04 00:00:00CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05 00:00:00BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-06 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-08 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-18 00:00:00ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-19 00:00:00RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-20 00:00:00WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-21 00:00:00MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-22 00:00:00SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-12-27 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-29 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-03 00:00:00MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-04 00:00:00CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-05 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-09 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-10 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-12 00:00:00CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-15 00:00:00MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-18 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-22 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-25 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-26 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-29 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-30 00:00:00MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-31 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-02 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-05 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-06 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-07 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-09 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-12 00:00:00ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-13 00:00:00ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-14 00:00:00MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15 00:00:00RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2024-02-16 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-19 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-22 00:00:00RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2024-02-23 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-27 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-28 00:00:00RSI LONG ENTRY SHORT CLOSE30 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-03-04 00:00:00MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-06 00:00:00WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-08 00:00:00WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-11 00:00:00SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-12 00:00:00CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-14 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-15 00:00:00ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-20 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21 00:00:00CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-22 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-25 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-26 00:00:00CCI LONG ENTRY SHORT CLOSE100 crossover to upside

6.3. Candlestick Patterns

International Personal Finance PLC Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of International Personal Finance PLC based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5049.013
Ma 20Greater thanMa 5080.941
Ma 50Greater thanMa 10084.503
Ma 100Greater thanMa 20087.655
OpenGreater thanClose81.780
Total1/5 (20.0%)
Penke

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