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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedApr 27, 2024
DataAggregated Company Financials
Companies10
  • 7D9.5%
  • 3M-6.3%
  • 1Y-31.0%
  • YTDn/a

Over the last 7 days, the Consumer Finance industry has risen 6.4%, driven by gains from Kaspi.kz of 5.4%. In the same time, Ramsdens Holdings was down 8.5%. In the past year, the industry is down 32%. As for the next few years, earnings are expected to grow by 21% per annum.

Industry Valuation and Performance

Has the U.K. Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 27 Apr 2024UK£1.2bUK£1.8bUK£43.5m7.7x26.7x0.6x
Mon, 25 Mar 2024UK£23.9bUK£6.1bUK£2.0b6.7x12.2x3.9x
Wed, 21 Feb 2024UK£19.2bUK£5.6bUK£1.8b7.7x10.5x3.5x
Fri, 19 Jan 2024UK£19.8bUK£5.8bUK£1.7b8.1x11.8x3.4x
Sun, 17 Dec 2023UK£18.1bUK£5.8bUK£1.6b7.9x11x3.1x
Tue, 14 Nov 2023UK£18.7bUK£5.7bUK£1.6b8.1x11.5x3.3x
Thu, 12 Oct 2023UK£18.7bUK£5.3bUK£1.4b8.2x13x3.5x
Sat, 09 Sep 2023UK£19.2bUK£5.4bUK£1.5b8x12.8x3.6x
Mon, 07 Aug 2023UK£19.4bUK£5.5bUK£1.6b8.3x12.3x3.5x
Wed, 05 Jul 2023UK£17.2bUK£5.1bUK£1.7b8x10.2x3.4x
Fri, 02 Jun 2023UK£16.7bUK£5.1bUK£1.7b9x10.1x3.3x
Sun, 30 Apr 2023UK£17.5bUK£5.1bUK£1.6b8.8x10.7x3.4x
Tue, 28 Mar 2023UK£1.7bUK£2.0bUK£228.1m7.2x7.7x0.9x
Thu, 23 Feb 2023UK£1.7bUK£2.0bUK£263.3m6.3x6.5x0.9x
Sat, 21 Jan 2023UK£1.7bUK£1.9bUK£262.9m6.1x6.3x0.8x
Mon, 19 Dec 2022UK£1.5bUK£1.9bUK£258.8m5.7x5.9x0.8x
Wed, 16 Nov 2022UK£1.6bUK£2.0bUK£278.2m5.4x5.9x0.8x
Fri, 14 Oct 2022UK£13.1bUK£2.0bUK£279.0m5x47.1x6.7x
Sun, 11 Sep 2022UK£1.5bUK£1.9bUK£327.9m5.6x4.7x0.8x
Tue, 09 Aug 2022UK£1.6bUK£2.0bUK£400.7m6.1x3.9x0.8x
Thu, 07 Jul 2022UK£10.1bUK£2.9bUK£954.3m9.7x10.6x3.5x
Sat, 04 Jun 2022UK£12.1bUK£2.8bUK£911.4m11.2x13.3x4.3x
Mon, 02 May 2022UK£14.3bUK£2.8bUK£895.9m11.3x16x5.2x
Wed, 30 Mar 2022UK£11.7bUK£2.7bUK£603.9m13.2x19.4x4.4x
Fri, 25 Feb 2022UK£12.4bUK£2.7bUK£692.6m10.7x17.9x4.6x
Sun, 23 Jan 2022UK£20.6bUK£2.7bUK£732.2m11.1x28.1x7.5x
Tue, 21 Dec 2021UK£27.5bUK£2.7bUK£730.9m10.3x37.7x10.1x
Thu, 18 Nov 2021UK£29.6bUK£2.6bUK£640.6m15.2x46.2x11.2x
Sat, 16 Oct 2021UK£25.0bUK£3.0bUK£742.7m16.1x33.6x8.2x
Mon, 13 Sep 2021UK£24.4bUK£3.1bUK£801.8m17.6x30.4x7.9x
Wed, 11 Aug 2021UK£23.9bUK£3.1bUK£820.9m19.2x29.1x7.7x
Sun, 06 Jun 2021UK£20.0bUK£2.9bUK£578.4m22x34.6x6.9x
Price to Earnings Ratio

32.3x


Total Market Cap: UK£18.7bTotal Earnings: UK£578.4mTotal Revenue: UK£2.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 17.1x202220232024
Current Industry PE
  • Investors are optimistic on the British Consumer Finance industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 26.2x which is higher than its 3-year average PE of 17.1x.
  • The 3-year average PS ratio of 4.2x is higher than the industry's current PS ratio of 0.63x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 58% per year over the last three years,
  • Revenues have also declined 15% per year.
  • This means overall sales from these companies are declining and profits are subsequently falling as well.

Industry Comparison

How does U.K. Consumer Finance compare with similar industries?

GB Market2.84%
Financials2.23%
Consumer Finance9.46%
Consumer Finance9.46%
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
KSPI Kaspi.kzUS$120.605.4%
+US$1.2b		59.9%PE12.2x
FCH Funding Circle HoldingsUK£0.6538.6%
+UK£62.9m		18.2%PS1.3x
ASAI ASA International GroupUK£0.6235.6%
+UK£16.4m		-27.8%PE8.5x
IPF International Personal FinanceUK£1.065.0%
+UK£11.2m		8.2%PE5x
HAT H&T GroupUK£4.264.9%
+UK£8.7m		-6.8%PE8.8x
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Latest News

ASAI

UK£0.62

ASA International Group

7D

35.6%

1Y

-27.8%

SUS

UK£19.10

S&U

7D

3.8%

1Y

-21.7%

S&U's (LON:SUS) Dividend Will Be £0.50

Apr 26
S&U's (LON:SUS) Dividend Will Be £0.50

IPF

UK£1.06

International Personal Finance

7D

5.0%

1Y

8.2%

Here's Why Shareholders May Want To Be Cautious With Increasing International Personal Finance plc's (LON:IPF) CEO Pay Packet

Apr 25
Here's Why Shareholders May Want To Be Cautious With Increasing International Personal Finance plc's (LON:IPF) CEO Pay Packet

VANQ

UK£0.48

Vanquis Banking Group

7D

-1.3%

1Y

-78.7%

HAT

UK£4.26

H&T Group

7D

4.9%

1Y

-6.8%

RFX

UK£1.88

Ramsdens Holdings

7D

-8.5%

1Y

-15.7%

Take Care Before Diving Into The Deep End On Ramsdens Holdings PLC (LON:RFX)

Apr 16
Take Care Before Diving Into The Deep End On Ramsdens Holdings PLC (LON:RFX)

KSPI

US$120.60

Kaspi.kz

7D

5.4%

1Y

59.9%

FCH

UK£0.65

Funding Circle Holdings

7D

38.6%

1Y

18.2%

AMGO

UK£0.0022

Amigo Holdings

7D

-15.1%

1Y

-25.0%