Internetowy Fundusz Leasingowy: corporate bonds on Catalyst
Internetowy Fundusz Leasingowy has 1 bond series listed on Catalyst with an issue value of PLN 9m. Next maturity: IFL0334, PLN 9m, 31 March 2034. Net debt / equity: 2.25× (2024 annual report).
Key figures
2025 annual report (iflsa.pl) · as at 11 Nov 2026and 1 more
- 4 Sep 2026: Change to bond terms
Data on series and maturity dates come from GPW Catalyst; sources of the other figures are given in the tabs. This page describes the company’s data and is not an investment recommendation.
Internetowy Fundusz Leasingowy S.A., based in Kraków, finances cars, vans and lorries, mainly for customers with a weaker credit history. Its shares have been listed on NewConnect since the second quarter of 2026. Its bonds on Catalyst are secured by a registered pledge on a pool of vehicles.
Financial results
PLN million, standalone figures; figures from the company’s reports. A dash (–) means the figure is not in our database.
| Item | 2024 | 2025 | 6M 2026 |
|---|---|---|---|
| Revenue | 5.38 | 6.67* | 3.51* |
| Operating profit (EBIT) | 1.82 | 2.74 | 1.63* |
| Net profit | 1.08 | 1.96 | 1.13* |
| Total assets | 25.8 | 23.3 | 28.0 |
| Equity | 3.39 | 5.51 | 9.42 |
| Total liabilities | 22.4 | 17.8 | 18.5 |
| Cash and cash equivalents | 0.28 | 0.51* | 2.62* |
* Figure matches the company document (annual report for 2025; quarterly report for Q2 2026) but has not yet been confirmed by a later report.
Sources: annual report for 2024, annual report for 2025, quarterly report for Q2 2026.
Debt and repayment capacity
Ratios based on annual reports (standalone), using only figures verified against the company’s filings. A dash (–) means the figure is not available; a negative interest cover means an operating loss. As a financial company, it uses its debt to fund portfolios of receivables, so we do not show net debt / EBITDA.
| Ratio | 2023 | 2024 | 2025 |
|---|---|---|---|
| Interest cover (how many times operating profit covers interest expense) | 1.35× (EBIT) | 2.61× (EBIT) | – |
| Net debt / equity (net debt relative to shareholders’ equity) | 3.16× | 2.25× | – |
| Equity / total assets (share of assets financed by equity) | 10.4% | 13.1% | 23.6% |
Sources: 2023 annual report, 2025 annual report.
Bonds on Catalyst
| Series | Maturity | Interest rate | Rate type | Margin | Security | Yield to maturity |
|---|---|---|---|---|---|---|
| IFL0334 | 31 Mar 2034 | 5.86% | Floating (3M WIBOR) | +2.00 pp | Secured (pledge) | 5.87% |
Series codes link to the series pages in Polish. Yield to maturity is calculated by the Polish brokerage DM BDM, before tax and commissions; for floating-rate bonds it assumes the reference rate (WIBOR or EURIBOR) stays at its current level. “No quote” means no recent price.
Questions about Internetowy Fundusz Leasingowy bonds
How many Internetowy Fundusz Leasingowy bond series are listed on Catalyst?
Internetowy Fundusz Leasingowy has one bond series listed on Catalyst, with a nominal value of PLN 9 million. It matures on 31 March 2034.
When does the next Internetowy Fundusz Leasingowy bond mature?
The next maturity is series IFL0334 on 31 March 2034 (nominal value PLN 9 million). An early redemption at the issuer’s request can change these dates.
How is the interest on Internetowy Fundusz Leasingowy bonds set?
The series pays a floating rate: 3M WIBOR plus a margin of 2.00 percentage points. The coupon changes with the reference rate in each interest period, while the margin stays the same until maturity.
Are Internetowy Fundusz Leasingowy bonds secured?
Security by number of series: secured (pledge): 1. Secured or guaranteed series give bondholders an additional source of repayment if the issuer cannot pay.
Source: our database of Catalyst series, terms and conditions of the bonds and company announcements.
Our full analysis, financial results and news on Internetowy Fundusz Leasingowy are on the Polish-language issuer page.
This material is for information purposes only and does not constitute investment advice.