Building a better world

We are a global financial services company playing a vital role in the lives of millions by providing unsecured, affordable credit and great value insurance products, in a responsible way.

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IPF customer

Our stories

Find out how we are engaging with our customers.

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A people business

The IPF Group is a people business with over 21,000 colleagues supporting over 1.7 million customers across 9 different markets. Regardless of location, we aim to attract, inspire, and engage a talented workforce which flourishes and is proud to work for us.

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Our culture & values

We are a people business, understand the culture and values which underpins our workforce.

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Creating social value

We are a purpose led organisation that strives to be an uncompromising force for good in the markets in which we operate, while maximising value for customers and investors.

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Sustainability report 2024 

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Annual report 2024

Investing with purpose

Download Annual Report 2024

IPF is a global financial services business, helping people who can often face barriers to accessing credit to be included in the financial system.

Our purpose to build a better world through financial inclusion drives everything we do, and over the past 26 years we have served more than 15 million customers. By investing in innovative products, expanding our geographic footprint and embracing digital transformation, we are creating opportunities to better serve our customers and deliver sustainable growth for all our stakeholders. Looking ahead, our ambition is clear: to accelerate the rate of growth and the pace of change to reach 2.5 million customers in the medium term while continuing to make a positive impact in the communities we serve.

2024 highlights

£85.2m

profit before tax
+1.5%

24.8p

pre-exceptional earnings per share
+6.9%

11.41p

dividend per share
+10.7%

2050

net zero target approved

£920,270

total community investment

400+

training programes delivered

*at constant exchange rates

Read more about our responsible business

In 2024, 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

Gerard Ryan

Chief Executive Officer

We are making a real difference in the lives of millions and helping to shapemore financially inclusive communities. 


Read Chair's statement

Stuart Sinclair 

Chair

We delivered a very strong financial performance in 2024 enabling increased returns to shareholders.

 

Read CFO's financial review

Gary Thompson

Chief Financial Officer

  • Next Gen financial inclusion

    Building the products, channels and territories to ensure our propositions are attractive to the next generation of customers.  

    Strong progress in 2024

    • Grew credit card offering in Poland to 150,000 active customers.
    • Granted a full payment institution licence in Poland.
    • Launched a new branch in Mexicali, northern Mexico.
    • Expanded point of purchase finance in Romania.
    • Launched a retail distribution channel in Mexico.
    • Grew mobile wallet users to over 115,000.

    Priorities in 2025

    • Accelerate credit card growth in Poland and conclude on the launch of our next market.
    • Open two new branches in Mexico home credit.
    • Accelerate growth in IPF Digital Mexico and Australia.
    • Increase retail partnerships model.
    • Grow our digital

  • Next Gen organisation

    Becoming a smarter and more efficient organisation that makes a positive impact on society.  

    Strong progress in 2024

    • New field force structure in European home credit to improve efficiency through process standardisation.
    • Delivered more than 400 different training programmes to colleagues.
    • MSCI ESG rating upgraded to AA and retained in FTSE4Good Index.
    • Invested £920,270 in our global community programme.
    • 4,000+ days volunteered by colleagues to support good causes.
    • Multiple award wins including Outstanding Customer Service, Top Employer and Fair to Women 2024.

    Priorities in 2025

    • Create strategic leadership hubs to accelerate multi-market delivery.
    • Continue investment in our colleagues to ensure we remain a great place to work.
    • Support more communities through our Invisibles programme.

  • Next Gen technogy and data

    Becoming a data driven and technology-enabled partner for our customers.

    Strong progress in 2024

    • Consolidated and modernised the Group’s IT architecture.
    • Upgraded customer contact centres in Poland and the Czech Republic.
    • Launched a new mobile app in Mexico home credit.
    • Generated value from AI and data to enhance customer experience.
    • Integrated AI into WhatsApp for faster communication and lead generation.
    • Added a credit health monitor to our mobile wallet.

    Priorities in 2025

    • Enhance IT security across the Group.
    • Generate further value from data and AI.
    • Complete cloud migration of data in European home credit.
    • Continue call centre modernisation to unlock customer experience and productivity enhancements.
    • Complete paperless transformation programme.

Download our 2024 Annual Report and Financial Statements

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Our strategy and financial model

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Our stories

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Our social value

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