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Australian (ASX) Consumer Finance Industry Analysis
UpdatedDec 03, 2024
DataAggregated Company Financials
Companies11
- 7D0.8%
- 3M26.4%
- 1Y112.2%
- YTD86.0%
Over the last 7 days, the Consumer Finance industry has risen 2.2%, driven by gains from Zip Co of 2.4%. In the same time, Humm Group was down 18%. This means that the industry has gained 112% over the past year. Earnings are forecast to grow by 48% 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 |
|---|---|---|---|---|---|---|
| Tue, 03 Dec 2024 | AU$8.7b | AU$3.4b | AU$163.3m | 17.3x | 53.2x | 2.5x |
| Thu, 31 Oct 2024 | AU$8.0b | AU$3.4b | AU$163.6m | 13.8x | 49.1x | 2.4x |
| Sat, 28 Sep 2024 | AU$7.7b | AU$3.4b | AU$163.6m | 13.9x | 47.2x | 2.3x |
| Mon, 26 Aug 2024 | AU$6.8b | AU$3.2b | AU$83.1m | 12.9x | 81.9x | 2.1x |
| Wed, 24 Jul 2024 | AU$5.7b | AU$3.4b | -AU$53,514,258.00 | 8.6x | -107.1x | 1.7x |
| Fri, 21 Jun 2024 | AU$5.2b | AU$3.4b | -AU$53,514,258.00 | 8.6x | -98x | 1.5x |
| Sun, 19 May 2024 | AU$5.1b | AU$3.4b | -AU$53,514,258.00 | 8.5x | -94.5x | 1.5x |
| Tue, 16 Apr 2024 | AU$5.4b | AU$3.4b | -AU$50,580,258.00 | 9x | -107.3x | 1.6x |
| Thu, 14 Mar 2024 | AU$5.5b | AU$3.4b | -AU$50,580,258.00 | 9.2x | -108.9x | 1.6x |
| Sat, 10 Feb 2024 | AU$4.3b | AU$2.6b | -AU$41,796,317.00 | 9.1x | -101.9x | 1.7x |
| Mon, 08 Jan 2024 | AU$3.9b | AU$2.6b | -AU$38,743,733.00 | 8.8x | -101.7x | 1.5x |
| Wed, 06 Dec 2023 | AU$3.6b | AU$2.6b | -AU$38,743,733.00 | 8.5x | -93.8x | 1.4x |
| Fri, 03 Nov 2023 | AU$3.5b | AU$2.6b | -AU$36,466,733.00 | 8.2x | -97x | 1.3x |
| Sun, 01 Oct 2023 | AU$4.1b | AU$2.6b | -AU$36,466,733.00 | 8.2x | -111.3x | 1.5x |
| Tue, 29 Aug 2023 | AU$4.2b | AU$2.5b | -AU$12,218,493.00 | 9x | -343.6x | 1.7x |
| Thu, 27 Jul 2023 | AU$4.4b | AU$2.6b | AU$129.7m | 13.1x | 33.6x | 1.7x |
| Sat, 24 Jun 2023 | AU$4.1b | AU$2.6b | AU$129.7m | 11.9x | 31.4x | 1.6x |
| Mon, 22 May 2023 | AU$4.0b | AU$2.6b | AU$129.7m | 10.9x | 30.8x | 1.6x |
| Wed, 19 Apr 2023 | AU$4.1b | AU$2.6b | AU$149.7m | 11.3x | 27.3x | 1.6x |
| Fri, 17 Mar 2023 | AU$3.9b | AU$2.7b | AU$150.0m | 11.1x | 26.2x | 1.5x |
| Sun, 12 Feb 2023 | AU$5.1b | AU$3.3b | -AU$980,331,941.00 | 11.6x | -5.2x | 1.5x |
| Tue, 10 Jan 2023 | AU$4.9b | AU$3.3b | -AU$922,178,284.00 | 10.7x | -5.3x | 1.5x |
| Thu, 08 Dec 2022 | AU$4.8b | AU$3.3b | -AU$922,588,651.00 | 10.6x | -5.2x | 1.5x |
| Sat, 05 Nov 2022 | AU$4.6b | AU$3.3b | -AU$927,798,957.00 | 10.3x | -5x | 1.4x |
| Mon, 03 Oct 2022 | AU$4.8b | AU$3.3b | -AU$927,013,364.00 | 10.7x | -5.2x | 1.5x |
| Wed, 31 Aug 2022 | AU$5.5b | AU$3.3b | -AU$1,006,675,556.00 | 11.4x | -5.5x | 1.7x |
| Fri, 29 Jul 2022 | AU$6.1b | AU$3.2b | -AU$284,909,857.00 | 10.2x | -21.6x | 1.9x |
| Sun, 26 Jun 2022 | AU$4.9b | AU$3.2b | -AU$285,121,170.00 | 8.5x | -17.4x | 1.6x |
| Tue, 24 May 2022 | AU$6.4b | AU$3.2b | -AU$285,111,448.00 | 10.9x | -22.3x | 2x |
| Thu, 21 Apr 2022 | AU$7.5b | AU$3.2b | -AU$306,860,369.00 | 12.4x | -24.3x | 2.4x |
| Sat, 19 Mar 2022 | AU$7.7b | AU$3.1b | -AU$307,296,574.00 | 12.6x | -24.9x | 2.4x |
| Mon, 14 Feb 2022 | AU$9.0b | AU$3.1b | -AU$429,767,547.00 | 10.3x | -21x | 3x |
| Wed, 12 Jan 2022 | AU$9.9b | AU$2.6b | -AU$437,998,180.00 | 10.1x | -22.7x | 3.8x |
| Fri, 10 Dec 2021 | AU$10.4b | AU$2.6b | -AU$438,220,772.00 | 10.1x | -23.8x | 4x |
Price to Earnings Ratio
-23.8x
Current Industry PE
- Investors are optimistic on the Australian Consumer Finance industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 52.9x which is higher than its 3-year average PE of -37.6x.
- The 3-year average PS ratio of 1.8x is lower than the industry's current PS ratio of 2.5x.
Past Earnings Growth
- Total earnings for the Consumer Finance industry have gone up over the last three years, and the industry is now profitable. Revenues have grown 9.2% per year.
- This means that more sales are being generated by the industry overall, and subsequently profits are increasing too.
Industry Trends
Which industries have driven the changes within the Australian Financials industry?
| AU Market | 0.46% | |
| Financials | -0.64% | |
| Consumer Finance | 0.82% | |
| Consumer Finance | 0.82% | |
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$3.43 | 2.4% +AU$104.4m | 726.5% | PE791.5x | |
| SVR Solvar | AU$1.45 | 12.4% +AU$32.5m | 35.5% | PE17.3x | |
| CCP Credit Corp Group | AU$17.98 | 0.8% +AU$9.5m | 37.7% | PE24.1x | |
| B4P Beforepay Group | AU$1.45 | 15.1% +AU$9.2m | 199.0% | PE18.1x | |
| MME MoneyMe | AU$0.13 | 4.2% +AU$4.0m | 62.3% | PE4.4x |