Shares in International Personal Finance PLC rose on Wednesday as the company reported increased profit and dividend in 2025, alongside a revised takeover agreement by BasePoint Capital LLC that adds a dividend to the original offer.
International Personal Finance reported it made £737.5 million in revenue last year, up 1.5% year-on-year from £726.3 million in 2024. Pretax profit also grew to £85.3 million, a 16% rise from 2024’s £73.3 million, thanks to ‘strong operational delivery and continued progress against our next gen strategy’.
The Leeds, England-based lender also proposed a final dividend of 9 pence a share, resulting in a full-year dividend of 12.8 pence, a 12% increase from 11.4 pence the previous year.
Diluted earnings per share fell 8.9% to 23.6 pence from 25.9 pence in 2024.
The company said it entered 2026 ‘with good momentum, underpinned by robust credit quality and a strong balance sheet’, as well as a continuation of ‘good demand for credit’, confirming its outlook after reporting a 4.7% annual growth of customers to 1.7 million.
It also said lending grew by 12% to £1.34 billion from £1.21 billion, and net receivables broke the £1 billion mark rising 14% to £1.06 billion from £870 million year-on-year.
The lender added that a credit card pilot has been launched in Romania, and that it is continuing its expansion in Mexico as the country moved into full roll-out last year alongside Poland.
International Personal Finance’s board also recommended a revised acquisition offer by BasePoint’s acquisition vehicle announced Wednesday - now representing an approximately 40% premium from July 29’s IPF closing price - of 250 pence per IPF share, inclusive of a 15 pence special dividend.
IPF’s board backs the move, awaiting the March 11 annual general meeting’s green-light, and said they aim to complete the deal by the end of the second quarter. So far, BasePoint’s offer has been agreed by 8.3% of International Personal Finance’s shares via undertaking.
IPF’s Chief Executive Officer Gerard Ryan said: ‘Our growth rate improved as the year progressed, reflecting good consumer demand, disciplined execution and improving momentum from our new products and distribution channels. All three divisions contributed to this progress, with growth in customer numbers, lending and receivables, and we aim to increase our investment in new products and channels to maintain this momentum. Customer repayment performance continues to be robust and credit quality remains well controlled’.
‘This financial performance, together with our strong funding and capital position, has enabled us to continue investing in growth while maintaining a progressive dividend. Looking ahead, we entered 2026 with a solid balance sheet and a clear strategy to scale the business sustainably,’ he added.
International Personal Finance shares were up 6.8% to 250.50 pence each on Wednesday morning in London.
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