International Personal Finance plc (IPF is currently the subject of intense market speculation following the announcement of advanced discussions with BasePoint Capital LLC, a leading US asset-based financier.
BasePoint’s offer would be through a wholly-owned subsidiary of BP PMKN LLC, is to acquire all of IPF’s outstanding shares.
The proposed offer stands at 220 pence per share, with shareholders also entitled to retain the recently announced interim dividend of 3.8 pence per share, bringing the total value to 223.8 pence per share.
This proposition represents a substantial premium, approximately 24.9%, over IPF’s closing share price on July 29, 2025, the day before the offer period commenced.
The news has predictably sent IPF’s stock price surging, currently trading around 212.50p.
IPF’s board, while expressing confidence in the company’s standalone strategy and highlighting the strong performance revealed in its 2025 Half Year Results, has acknowledged the attractiveness of the offer.
Subject to satisfactory due diligence and agreement on final terms, the board is “minded to recommend unanimously” the offer to shareholders. This stance suggests that the board recognizes the inherent value in the offer, particularly given the current economic climate and the potential challenges facing consumer credit providers.
The potential acquisition comes at a pivotal time for IPF.
The consumer credit market is facing increased regulatory scrutiny and economic uncertainty. While IPF has demonstrated resilience and growth in specific markets like Mexico, the overall landscape remains challenging.
BasePoint’s expertise in asset-based financing could provide IPF with the capital and strategic direction needed to navigate these complexities and further expand its operations.
However, the deal is not yet finalized.
For IPF shareholders, the decision is complex. Accepting the offer would provide an immediate and substantial return on their investment, particularly for those who have held the stock for an extended period.
However, some shareholders may believe that IPF has the potential to generate even greater value as an independent company, especially given the board’s confidence in its standalone strategy.
As the discussions between IPF and BasePoint progress, the market will be closely watching for any further developments that could influence the outcome of this potentially transformative transaction. The next few weeks promise to be crucial for IPF and its shareholders.
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