Narrative Update • May 04
Have your own idea? Try our Stock Screener
Australian (ASX) Consumer Finance Industry Analysis
UpdatedMay 09, 2026
DataAggregated Company Financials
Companies10
- 7D4.6%
- 3M0.8%
- 1Y9.0%
- YTD-19.0%
In the last week, the Consumer Finance industry is up 4.6%, with Zip Co up 4.1%. In the same time, Plenti Group was down 7.7%. This takes the industry's 12 month performance to a gain of 9.0%. Looking forward, earnings are forecast to grow by 17% annually.
Industry Valuation and Performance
Has the Australian Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sun, 10 May 2026 | AU$6.6b | AU$3.9b | AU$503.1m | 9.5x | 13.1x | 1.7x |
| Tue, 07 Apr 2026 | AU$5.2b | AU$3.9b | AU$503.1m | 9.1x | 10.4x | 1.3x |
| Thu, 05 Mar 2026 | AU$5.5b | AU$3.9b | AU$503.1m | 9.9x | 10.9x | 1.4x |
| Sat, 31 Jan 2026 | AU$7.2b | AU$3.7b | AU$418.0m | 11.2x | 17.2x | 2x |
| Mon, 29 Dec 2025 | AU$8.0b | AU$3.7b | AU$418.0m | 10.6x | 19.1x | 2.2x |
| Wed, 26 Nov 2025 | AU$7.7b | AU$3.7b | AU$418.0m | 10.5x | 18.3x | 2.1x |
| Fri, 24 Oct 2025 | AU$9.1b | AU$3.6b | AU$418.6m | 10.9x | 21.7x | 2.5x |
| Sun, 21 Sep 2025 | AU$10.0b | AU$3.8b | AU$418.6m | 12.2x | 24x | 2.7x |
| Tue, 19 Aug 2025 | AU$8.2b | AU$3.6b | AU$222.2m | 12.1x | 36.9x | 2.3x |
| Thu, 17 Jul 2025 | AU$7.7b | AU$3.7b | AU$232.6m | 12.2x | 33.2x | 2.1x |
| Sat, 14 Jun 2025 | AU$7.2b | AU$3.7b | AU$232.6m | 10.7x | 30.9x | 2x |
| Mon, 12 May 2025 | AU$6.2b | AU$3.6b | AU$234.5m | 10.6x | 26.6x | 1.7x |
| Wed, 09 Apr 2025 | AU$5.2b | AU$3.6b | AU$234.5m | 9.8x | 22.2x | 1.4x |
| Fri, 07 Mar 2025 | AU$6.7b | AU$3.6b | AU$234.6m | 11.3x | 28.4x | 1.8x |
| Sun, 02 Feb 2025 | AU$7.2b | AU$3.5b | AU$219.6m | 14x | 32.6x | 2x |
| Tue, 31 Dec 2024 | AU$8.0b | AU$3.4b | AU$163.3m | 17.9x | 49x | 2.3x |
| Thu, 28 Nov 2024 | AU$8.5b | AU$3.4b | AU$163.3m | 15.5x | 51.9x | 2.5x |
| Sat, 26 Oct 2024 | AU$7.7b | AU$3.4b | AU$163.6m | 14.3x | 46.9x | 2.3x |
| Mon, 23 Sep 2024 | AU$7.5b | AU$3.4b | AU$163.6m | 13.6x | 45.8x | 2.2x |
| Wed, 21 Aug 2024 | AU$6.6b | AU$3.2b | -AU$34,820,258.00 | 11.3x | -189.3x | 2x |
| Fri, 19 Jul 2024 | AU$5.7b | AU$3.4b | -AU$53,514,258.00 | 8.5x | -106.7x | 1.7x |
| Sun, 16 Jun 2024 | AU$5.3b | AU$3.4b | -AU$53,514,258.00 | 8.9x | -98.4x | 1.5x |
| Tue, 14 May 2024 | AU$5.2b | AU$3.4b | -AU$50,580,258.00 | 8.7x | -102.1x | 1.5x |
| Thu, 11 Apr 2024 | AU$5.5b | AU$3.4b | -AU$50,580,258.00 | 9.1x | -109.6x | 1.6x |
| Sat, 09 Mar 2024 | AU$5.4b | AU$3.4b | -AU$50,580,258.00 | 9.1x | -107.2x | 1.6x |
| Mon, 05 Feb 2024 | AU$4.2b | AU$2.6b | -AU$82,696,733.00 | 9.1x | -50.7x | 1.6x |
| Wed, 03 Jan 2024 | AU$4.0b | AU$2.6b | -AU$38,743,733.00 | 8.8x | -103x | 1.5x |
| Fri, 01 Dec 2023 | AU$3.6b | AU$2.6b | -AU$38,743,733.00 | 8.4x | -93.3x | 1.4x |
| Sun, 29 Oct 2023 | AU$3.5b | AU$2.6b | -AU$36,466,733.00 | 7.2x | -95.5x | 1.3x |
| Tue, 26 Sep 2023 | AU$4.2b | AU$2.6b | -AU$36,466,733.00 | 8.5x | -114.1x | 1.6x |
| Thu, 24 Aug 2023 | AU$4.2b | AU$2.5b | -AU$11,508,589.00 | 9.5x | -364x | 1.7x |
| Sat, 22 Jul 2023 | AU$4.5b | AU$2.6b | AU$129.7m | 13.7x | 34.3x | 1.7x |
| Mon, 19 Jun 2023 | AU$4.1b | AU$2.6b | AU$129.7m | 11.8x | 31.5x | 1.6x |
| Wed, 17 May 2023 | AU$4.0b | AU$2.6b | AU$149.7m | 10.9x | 26.9x | 1.6x |
Price to Earnings Ratio
26.9x
Current Industry PE
- Investors are pessimistic on the Australian Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 13.1x which is higher than its 3-year average PE of -20.8x.
- The industry is trading close to its 3-year average PS ratio of 1.9x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 50% per year over the last three years.
- Revenues for these companies have grown 14% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Australian Financials industry?
| AU Market | 0.20% | |
| Financials | -0.16% | |
| Consumer Finance | 4.58% | |
| Consumer Finance | 4.58% | |
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| ZIP Zip Co | AU$2.51 | 4.1% +AU$125.6m | 34.6% | PE28.9x | |
| FPR FleetPartners Group | AU$2.79 | 18.2% +AU$91.7m | -6.4% | PE7.6x | |
| CCP Credit Corp Group | AU$11.81 | 10.2% +AU$74.2m | -14.0% | PE8.5x | |
| LFS Latitude Group Holdings | AU$0.93 | 1.1% +AU$10.4m | -19.2% | PE10.2x | |
| B4P Beforepay Group | AU$1.49 | 6.4% +AU$4.5m | 26.8% | PE9.1x |
