But there are some shares that play for both sides, delivering dividend income along with impressive capital gains. I’ve identified two that hit the ball out the park in 2025 – International Personal Finance (LSE: IPF) and OSB Group (LSE: OSB).

Combined, they delivered a 94.5% total return when accounting for both growth and dividends. That means a £5,000 investment split equally across both shares when 2025 began would be worth almost £10,000 today!

But what drove their success and can this continue in 2026?

The lesser-known asset manager

International Personal Finance operates home‑credit and digital lending businesses across several international markets, with London‑listed UK shares. The business enjoyed a spectacular year of growth in 2025, despite pressure on household budgets. The share price grew 78.5% and when adding dividends to the mix, it returned a near-100% total.

Despite a 6.4% drop in revenue in H1 2025, earnings jumped 57% as costs and impairments were tightly controlled. Profit margin improved from 5.3% to 8.9%, with earnings per share (EPS) up from 8.8p to 14p in the half.

But if a lower-rate environment transpires, there’s a growing risk of tighter regulation or political scrutiny for the personal finance sector. As a smaller lender, it’s more exposed than larger competitors if the government cracks down on high-cost consumer credit.

For patient investors, International Personal Finance’s combination of low valuation and improving profitability is attractive. However, its exposure to consumer health and regulation is risky, so position sizing and diversification matter when considering it.

The up-and-coming challenger bank

OSB Group’s a specialist lender focused on buy‑to‑let and niche residential and commercial mortgages. Despite a tough backdrop of higher rates and cautious landlords, it delivered what management called a “resilient” performance in 2025: modest loan book growth, strong capital ratios and an increased interim dividend.

The shares grew a moderate 60% but when adding dividends, its total return surged to almost 88%.

In H1 2025, the bank achieved a pre‑tax profit of £192.3m, down year‑on‑year but still generating a solid 13.7% return on tangible equity. It also reported a net interest margin of 2.3%, with retail deposits growing and a successful £578m securitisation improving funding efficiency.

But if interest rates drift lower, things could change. Although a softer rate environment reduces stress on existing borrowers, its margins could suffer if lending rates re‑price down faster than savings. 

For long‑term investors, OSB looks like a promising option to consider right now. It took a hit when rates shot up but is well‑placed to benefit from a controlled descent — barring a slip into a deep recession.

Final thoughts

For investors saving for a home or retirement, it’s important to consider how falling rates can impact a portfolio. Certain UK shares have proved they can cope when rates are high and still stand to benefit if 2026 delivers the anticipated soft landing rather than another shock.

The above two examples reveal how strong businesses can come out of a tough year in good shape – but also how different their risk profiles are once policy starts to shift.

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I tend to look for businesses with low price-to-earnings (P/E) ratios, high dividend yields and solid free cash flow. These are often signs the market has overlooked potential value. 

After some digging, two stocks caught my attention: MAN Group (LSE: EMG) and International Personal Finance (LSE: IPF).

MAN Group

MAN Group’s one of the world’s largest publicly-listed hedge fund firms with a £1.97bn market-cap and a long track record in quantitative and alternative strategies. The shares currently trade for around £1.70 and have a P/E ratio of only 8.7, which is low compared to the financial sector average.

One of the major advantages here is MAN’s capital-light business model. With relatively low fixed costs and scalable operations, the company can maintain strong margins even during volatile market conditions. In fact, market volatility often benefits the firm, as it drives higher performance and management fees.

On top of that, the 7.35% dividend yield looks attractive, especially given the company’s history of special dividends and share buybacks.

However, there are risks. The company’s revenue is closely tied to asset performance and investor sentiment. If markets turn sour, performance fees can dry up quickly. There’s also the macroeconomic angle – rising rates and geopolitical shocks could weigh on investor appetite for hedge fund strategies. 

Still, for those seeking a cheap stock with income potential, MAN Group seems worth considering, in my opinion.

International Personal Finance

With a P/E ratio of just 6 and a £1.56 price tag, this up-and-coming finance stock looks like one of the cheapest shares on the FTSE All-Share.

The £345m company offers consumer credit services in emerging markets, primarily in Eastern Europe and Latin America. While the sector carries more risk than blue-chip financials, the returns can be compelling. Plus, the company has a long track record of awarding cash to its dedicated shareholders, currently sporting a dividend yield of 7.15%.

A key strength is the firm’s local knowledge. The company operates with in-country teams who understand regional lending conditions and maintain close contact with customers. This face-to-face model helps keep default rates manageable, even in less stable economies.

On the flip side, international operations expose it to currency fluctuations and political instability, which can threaten earnings. Regulatory changes are another challenge, particularly if governments impose interest rate caps or tighten lending criteria. Moreover, funding costs could rise if global interest rates stay elevated.

Still, with both a high yield and room for growth, I think it’s a stock worth further research.

Final thoughts

Both MAN Group and International Personal Finance offer an attractive combination of cheap shares with high dividends. They’re not without risks, but the low valuations suggest much of the bad news may already be priced in. 

For investors comfortable with a bit of market volatility, these two stocks could provide meaningful passive income while trading at a discount.

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Anglo Asian Mining

What it does: Anglo Asian Mining is a gold and copper producer that’s listed on the Alternative Investment Market (AIM).

By Royston Wild. Thanks to its suite of gold projects, Anglo Asian Mining’s(LSE:AAZ) share price is rising rapidly as bullion’s multi-year bull run continues.

The small cap — which owns the Gadir and Gedabek gold, silver and copper mines in Azerbaijan — has risen 103% in value over the last year.

With macroeconomic and geopolitical uncertainty growing, and fears of resurgent inflation back on the boil, I think gold prices could have much further to go after hitting multiple new record highs in 2025.

However, Anglo Asian Mining’s foothold in the gold industry isn’t the only reason why I think it could be a hot growth stock to consider. I’m also encouraged by its plans to supercharge copper production to capitalise on the fast-growing green economy.

It plans to open several new red metal mines over the next few years, which it hopes will take annual copper production to 36,000 tonnes by 2028 from 15,000-15,500 today.

Any setbacks at the mine development stages could hit Anglo Asian Mining’s share price hard. But I think this is reflected in the company’s cheapness (it trades on a price-to-earnings (P/E) ratio of 6.1 times).

Royston Wild does not own shares in Anglo Asian Mining.

Animalcare Group

What it does: Animalcare Group develops and markets veterinary pharmaceuticals and identification products.

By Mark Hartley. The AIM-listed veterinary pharmaceutical and identification group Animalcare (LSE: ANCR) looks like an intriguing small-cap investment to me. Earnings have exploded recently, leading to a six-fold increase in its net margin. This was driven by strategic divestments, including the sale of Identicare and a minority stake in STEM.

However, debt has also skyrocketed to £23.16m, almost double that of its available cash. For now, it’s sufficiently covered by equity — but could be at risk if profits slip. Being a small-cap, it may also experience higher volatility and lower liquidity compared to larger firms.

With the price slow to catch up with earnings, it has a forward price-to-earnings (P/E) ratio of only 16, which is well below the sector average of 40. This suggests it has more room for growth. It also boasts an attractive return on equity (ROE) of 36.62% — a reassuring sign of efficient management and profitability. 

Mark Hartley doesn’t own shares in Animalcare Group.

Central Asia Metals

What it does: Central Asia Metals is a base metals producer with copper operations in Kazakhstan and a zinc and lead mine in North Macedonia.

By Paul Summers. Small-cap stocks usually require even more due diligence than your typical FTSE juggernaut, especially when their share prices have been on a downward trajectory. Central Asia Metals (LSE: CAML) is a great example.

Sure, ongoing geopolitical concerns combined with lower demand for one of the metals it digs up doesn’t exactly paint a pretty picture. And the miner obviously has no control over either. 

But these feel like short-term headwinds. Demand for copper is expected to shoot up over the next decade as the world transitions to green energy at an increasing pace. This could eventually make the current valuation of seven times forecast FY25 earnings look like a steal.

In the meantime, the stock yields a monster 11.5% as I type. I’d prefer this to be covered to a greater extent by profit but at least the firm’s balance sheet looks solid for now. 

Paul Summers has no position in Central Asia Metals

International Personal Finance

What it does: This financial services company provides home and digital credit to over 1.7m customers in nine global markets.

By Charlie Carman. Many individuals struggle to access loans from mainstream banks. That’s where a firm like International Personal Finance (LSE:IPF) steps in.

The growth opportunity in lending to underserved credit customers is huge. The company eventually aims to claim 2.5m customers, representing a small fraction of the addressable market of more than 70m people across its target geographies.

Business is humming along nicely. In the first quarter, customer lending grew by 12%, driven by strong performances in Poland, Romania, Mexico, and Australia. Bolstering the investment case, a £15m share buyback programme is due to commence imminently, and shareholders also benefit from a mighty 7.4% dividend yield.

All lending businesses face risks. However, International Personal Finance has a riskier customer base than most, given its inability to access conventional credit. That shouldn’t be ignored, but a cheap valuation and plenty of room for expansion make the risks tolerable in my view.

Charlie Carman does not own shares in International Personal Finance.

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Please note that tax treatment depends on the individual circumstances of each client and may be subject to change in future. The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of tax advice. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions.

Focusing on the future

In order to try and ramp up the potential return, an investor would want to focus on the type of stocks being bought. I think it’s a good idea look to allocate the bulk of the portfolio (70%) in growth stocks. The other 30% could be put towards dividend shares.

The focus on growth shares is because these companies typically provide the opportunity to capture the largest share price appreciation over the long term. Of course, they are often the hardest hit during downturns and market uncertainty. But let’s say someone is starting this strategy this month. The recent market dip due to tariff concerns means there are some attractive options right now!

Within the growth space, I’d suggest focusing on sectors such as AI, renewable energy, and fintech. These themes should be key in the market for the next decade. As a result, it should help to keep the share prices rising as earnings follow suit.

The allocation to dividend stocks aims to help smooth out future returns. Even if growth shares underperform for a period of time, the income made from dividend stocks can help offset the effects. Given that the FTSE 100 and FTSE 250 provide options yielding more than the current base rate, there’s plenty to like.

Ideas to mull over

One example of a growth stock in an expanding sector is International Personal Finance (LSE:IPF). The fintech stock is up 32% over the past year.

The UK-based company operates across Central and Eastern Europe, Mexico, and Australia. It mainly makes money from the provision of credit to consumers, but it is increasingly expanding into digital lending via mobile apps and online platforms. This is good for the future, as this route to market is lower-cost to scale and often more efficient.

The business is helping to fill a niche in some of these emerging markets, where people sometimes lack access to traditional credit services. The potential target market is vast, meaning I believe it has significant scope to grow in the coming years.

Of course, providing credit and loans is a risky business. If the company experiences an unexpectedly high level of defaults, it could put pressure on its sustainability.

ISA pot potential

Based on my figures, I think it’s reasonable for the mix of growth and dividend shares to generate an average annual return of 8%. With a £350 investment each month, the portfolio could be worth £26.2k in April 2030.

If an investor decided to keep this strategy going for another decade, the sum could grow to £122.3k. The actual figures could end up being higher or lower than this, depending on market conditions. But it goes to show that by targeting specific growth areas, even a relatively modest monthly amount can do very well over time.

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As an income investor my portfolio is full of dividend stocks. I don’t buy anything else. But I’m starting to wonder if I’ve got a bit carried away.

Looking through my companies, I can see that I own seven stocks with a forecast dividend yield of 9% or more.

These are very high-yield stocks. Such high yields can sometimes be a sign that the market is pricing problems ahead – possibly including a dividend cut.

Have I ended up taking too much risk in pursuit of a higher passive income?

Why I’m not (too) worried

I can’t rule out the risk of problems. Some of my stock selections are definitely tilted towards value – these shares are out of favour with investors at the moment. There could be good reasons for this that I’ve not yet spotted.

Interest rates are another factor. UK government bonds are considered to be risk free and are offering 4% to 5%.

All shares carry some risk, so it makes sense (to me) that some of my income-focused stocks need to provide higher yields, to reflect the risk of future losses.

However, I haven’t gone into these high-yielders blindly. I’ve checked the accounts and done some research. My analysis suggests these businesses are in decent health and should be able to sustain their dividends.

These holdings are also part of a larger diversified portfolio, including a broader mix of (lower-yielding) stocks.

I’d love to write about all of my high-yielders. But there’s not enough space for that here. Instead, I’m going to use the rest of this article to take a closer look at one stock I bought recently that offers a 10% dividend yield.

High risk, high reward?

The stock I’ve chosen is specialist lender International Personal Finance (LSE: IPF). This £266m business operates in nine countries, including Poland, the Czech Republic and Mexico.

IPF offers loans and credit cards to consumers with lower credit ratings who aren’t served by high street banks.

I see this as relatively risky, so I’ve started this investment with a fairly small position. Regulations can change around consumer credit, for example, so that even a well-run business can face a sudden change in trading conditions.

However, the company’s financial performance and clear strategy have given me confidence that this is a well-run business. The latest update from the company covering the third quarter of 2024 shows lending rising by 7% and a reduction in bad loan losses.

Its balance sheet looks well-supported to me and the shares trade on a 2025 forecast price-to-earnings ratio of just five, with a 10% dividend yield.

In my view, this low valuation reflects the risks in this business and has the potential to provide attractive shareholder returns.

For these reasons, I’m comfortable holding the shares. If the company’s 2024 results are as expected and the outlook for 2025 remains positive, I may consider buying a few more.

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Despite that, the shares are still 31% cheaper than they were a year ago. The price-to-earnings ratio remains in single-digits. So, is this a buying opportunity for my portfolio?

Why the IPF share price soared

What was behind last week’s price action? The company released its half-year results – and investors clearly liked them.

The business performance was actually mixed, in my view. Customer numbers only increased by 2.3% compared to the same period last year. Reported profit before tax shrank by 21.9%.

But the interim dividend was increased by over a fifth to 2.7p per share. Last year, the full-year dividend came in at 8p per share. So if the final dividend grows in line with the interim one, the total dividend per share for 2022 could come in at around 9.8p. Given that the IPF share price is currently around £1, that means the prospective dividend yield here is almost in double-digits. That sort of income opportunity certainly sounds attractive to me as an investor.

IPF business challenges

Does that make the shares attractive to me, though?

The dividend increase looks good, but if business does not stay strong, the dividend could always be cut again, as it was in 2019. The company’s revenues have fallen sharply over the past couple of years. In 2019, for example, they stood at £889m, but by last year they were down to £549m. The business suffered badly during the pandemic.

So do the latest results show that it is bouncing back? Revenue in the first half soared by 43.5%. But impairments grew far faster, rising 265% to £31m. However, that reflects an unusually low figure in the first half last year after money that had been set aside for possible impairments in the pandemic was released. Excluding that, the impairment rate in the first half was 7.5% compared to 6.5% last time round.

For a personal finance company, a worsening economic outlook could mean higher impairments as defaults rise. That is a key risk for IPF in the current environment. However, although impairments in the half rose, the increase was not so big as to shake the investment case, in my view.

My move

The dividend yield here is certainly tasty and I think the sharp increase at the interim stage is a strong sign of management confidence in the business. The Chief Financial Officer has also been spending his own money on shares on multiple occasions over the past several months.

But it feels like a risky time to be running a personal finance business in markets like Poland and Mexico, as IPF does. If the global economy gets worse, defaults could rise. I think that could really hurt profitability at the company. Even after rallying last week, the yield on the current IPF share price still looks attractive to me. But given my concerns about the potential impact of economic slowdowns on future profits, I will not be investing.

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I have been looking for high-quality corporations with the potential to expand rapidly over the next couple of years. Here are three companies that I think meet my criteria. 

Undervalued growth stocks

International Personal Finance (LSE: IPF) provides credit services to consumers in the UK and internationally. The firm’s profits slumped during the pandemic as it was forced to write off some loans to customers. However, growth may return over the next two years.

Based on current City estimates, the stock is trading at a forward price-to-earnings (P/E) ratio of just 5.8. Further, earnings per share could grow by 26% this year. Based on these numbers, the stock looks cheap compared to its growth potential. 

Still, the last two years are a warning for investors. A sudden spike in loan losses could decimate the corporation’s bottom line. Shareholders may have to foot the bill if it needs to raise more capital to strengthen the balance sheet.

As such, while I would buy this company for my Stocks and Shares ISA as an undervalued growth investment, I will be keeping an eye on the potential challenges it faces going forward. 

Aside from these risks, analysts also believe that the corporation can pay out a 6.2% dividend yield for its 2022 financial year. So not only does the company appear cheap compared to its growth potential, but it also has strong income credentials. 

Stocks and Shares ISA buy 

Another undervalued growth stock I would buy for my portfolio is the news publisher Reach (LSE: RCH). Over the past couple of years, this business has been moving away from its legacy print news business towards online journalism. The transition is just starting to yield results. 

After a mixed couple of years, the firm is expected to report a net profit of £116m for its 2021 financial year and £117m for fiscal 2022. Based on these estimates, the stock is trading at a forward P/E multiple of 6.4.

I think this figure looks incredibly cheap compared to the company’s growth potential over the next few years. Analysts also reckon the enterprise has the potential to pay a dividend yield of 3.1% in the current year.

Despite these optimistic forecasts, Reach does face some challenges. The online news business is incredibly competitive. Its revenue is also dependent on advertising income from the tech giants, which could disappear at a moment’s notice. If this vital revenue stream is closed down, the firm may struggle to survive. 

Nevertheless, considering Reach’s current valuation, I believe the stock could make a great addition to my Stocks and Shares ISA as an income and growth stock. If the company continues to reinvest in its operations and build an increasing readership base, I reckon profits will continue to grow. 

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What is going on here? 

Upbeat update

The latest increase follows a company release earlier today, where it said that “operational performance continues to be positive”. It also said that while it had expected weakening in performance in the first quarter of 2021 because of the pandemic, the actual performance has been “very strong”. It now expects a “significantly stronger rebound in profitability in 2021” than it had earlier. 

I think these are some of the most positive remarks I have seen from any company I’ve covered since the lockdown eased. Clearly, it has also had an impact on investor sentiment. 

The story so far

But the International Personal Finance share price was gaining ground even earlier. Like all financials, it was hit hard by the lockdowns last year. It was probably hit even harder than most, because it lends to customers who are otherwise less likely to get credit. It provides small, unsecured cash loans for everyday necessities in emerging markets like Eastern Europe and Mexico. 

As it restricted lending during the pandemic, the company’s loans issued almost halved from the year before, its revenues tumbled, and it ended up clocking a loss. However, investors gave its share a thumbs up anyway when it released its full-year results. This was probably because it became profitable in the second half of the year once again. 

These results were released in March and followed by a positive trading update in April, when the share price rallied again. In a nutshell, it is evident the International Personal Finance share price is highly responsive to positive company developments. We have seen it three times this year.

The downside

The easing of lockdowns, expected improvement in the economy, and its own outlook indicate clearly that the company will likely show robust growth this year. I am, however, cautious of a few risks as well.

First, the pandemic continues. Its severity may have reduced, but we have not yet put it behind us. Also, International Personal Finance is still doling out loans cautiously because it has a focus on profits. This means that the amount of credit issued could remain restricted. 

Further, the risk of bad loans remains. In its trading update, International Personal Finance says that impairments as a percentage of revenues have reduced in the first quarter of 2021 compared to full-year 202 numbers. But I think they are still quite high at 32% and also higher than the 2019 levels. 

My takeaway for the International Personal Finance share price

On balance though, I am positive on the stock for the medium to long term. It has a history of strong performance and has rebounded fast from the pandemic. I also like that it serves the social goal of creating greater financial inclusion. It is a buy for me. 

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IPF’s share price has exploded after the doorstep lender upgraded its forecasts for the full year. The company has leapt an impressive 130% in value during the past 12 months.

Another excellent trading update

Today, International Personal Finance said trading has remained positive since the release of first-quarter numbers on 29 April. The amount of credit issued by the business is broadly in line with its expectations, it added. This comes despite the tightening of Covid-19 restrictions in a number of its markets.

IPF had been anticipating its collections performance to weaken during the first half of 2021 as further waves of coronavirus infections swept in. However, the company said “our actual collections performance has continued to be very strong” in recent months. As a consequence, it’s enjoyed a faster-than-anticipated improvement in impairment as a percentage of revenue.

Expectations upgraded again

The company also said that while it remains cautious in light of the ongoing public health emergency, “the faster-than-anticipated improvement in impairment in April and May is expected to result in a further improvement in the full-year impairment charge.”

The UK financial share also reckons it’ll enjoy a “significantly stronger rebound in profitability” in 2021 than it had predicted in April.

Back then, IPF had predicted “a stronger rebound in profitability” for the full year, thanks to a lower-projected bad loans charge in 2021. It had also celebrated strong collections helping it to reduce impairment costs as a percentage of revenue by 5.2%, to 32.2%. Finally, IPF also saw the amount of credit it had issued improve markedly in the first quarter. This was down 18% year-on-year, much better than the 31% drop reported in the final quarter of 2020.

Should I buy International Personal Finance?

IPF is clearly on a roll, then. And as a long-term UK share investor, there’s a lot to like about the financial giant. I like its focus on emerging markets in Eastern Europe and Latin America, regions where rapid wealth growth is supercharging demand for financial products.

I also like the work IPF is undertaking to embrace the fast-growing digital end of the market. For example, 2020 saw the rollout of its new mobile wallet in Latvia, as well as the launch of digital operations in the Czech Republic.

That said, there are a few things stopping me from buying IPF shares for my own portfolio today. The threat to its recovery posed by the rolling Covid-19 crisis is one. But a longer-term concern to me is the rising threat that doorstep lenders in particular face from regulators.

And I don’t think these threats are baked into the firms valuation at current prices. I’d much rather buy other UK shares today.

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What’s more, the dividends have been covered more than 2.5 times by earnings, so what’s not to like?

First up, these super yields have arrived as a result of a collapsing share price. Over the past five years, International Personal Finance shares have lost almost 80% of their value. That’s pushed the dividend yield up from just 2.7% in 2014, even though in cash terms it’s only gained 3% over the total period.

Legal changes

What happened Friday? The sudden price drop comes after the firm revealed changes to consumer credit legislation in Poland. The country has been proposing to lower the current non-interest charges that lenders can levy on consumer borrowers, and the Council of Ministers has now made further amendments.

The government is now considering a level cap of 10% of a loan’s value, down from the existing 25%, and to cut the per-annum cap from 30% down to 10% too. The overall total of such charges would not be allowed to exceed 75% of the value of a loan, a cut from the existing 100% cap.

We’ll have to wait and see what effect this will have on forecasts and whether the mooted big dividend will hold up. But I have wider concerns as governments are increasingly tightening up on high-margin lending operations, and I wouldn’t be surprised at all to see further legislative crackdowns in the coming years.

Woodford favourite

Provident Financial (LSE: PFG) has suffered similarly, since its share price crashed by 60% in August 2017 when the firm withdrew its interim dividend in the face of a number of problems with its home credit business.

It was a blow for Neil Woodford, whose flagship Woodford Equity Income Fund was recently suspended following a run on withdrawals, and he’s been unfortunate to put cash into a handful of duds now. His other spectacular recent failure is Purplebricks, whose overstretched business has now lost 80% of its peak value.

On forecasts, Provident Financial shares command a P/E of 8.3 and offer a dividend yield of 7.2% for the current year, and those figures would move to 6.7 and 9.4% respectively in 2020. Dividend cover by earnings is around 1.6 times for each of the two years.

Tough choice

On those fundamentals, the shares look good value, but the market is having none of it right now. The share price blipped up on 5 June after the failure of a hostile takeover attempt from Non-Standard Finance, and for a few days it looked as it that might have been the signal for an upwards re-rating of the share price — takeover bids often come along when a company is significantly undervalued.

But that turned out to be a false hope, the brief gain was quickly reversed, and the shares have since slid further.

I’m torn, looking at attractive fundamental valuations on one hand, but a sub-prime lending industry that’s becoming a bit of a political pariah on the other. With my fears that the sector could be hit by further legislation in the next few years, I’m keeping away.

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