Header cover image

Australian (ASX) Consumer Finance Industry Analysis

UpdatedNov 28, 2021
DataAggregated Company Financials
Companies17
  • 7D-2.1%
  • 3M-14.2%
  • 1Y-5.8%
  • YTD-10.9%

Over the last 7 days, the Consumer Finance industry has dropped 2.1%, driven by a decline by Zip Co of 4.1%. Meanwhile, Credit Corp Group actually outperformed within the industry, gaining 5.3% in the last week. However, the industry is down 5.8% over the past year.

Industry Valuation and Performance

Has the Australian Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPE
Wed, 01 Dec 2021AU$10.4bAU$2.6b-AU$438,440,171.009.7x
Fri, 29 Oct 2021AU$11.7bAU$3.1b-AU$463,401,419.0015x
Sun, 26 Sep 2021AU$11.6bAU$3.1b-AU$458,021,110.0014x
Tue, 24 Aug 2021AU$12.4bAU$3.1b-AU$457,076,296.5315.1x
Wed, 30 Jun 2021AU$12.1bAU$3.1b-AU$457,076,296.5314.2x
Sat, 03 Apr 2021AU$9.5bAU$2.2b-AU$525,567,349.4611.8x
Tue, 05 Jan 2021AU$8.3bAU$2.1b-AU$521,154,471.4618x
Fri, 09 Oct 2020AU$7.3bAU$2.1b-AU$352,058,034.0020.1x
Thu, 02 Jul 2020AU$5.5bAU$2.0b-AU$189,067,688.0021.1x
Sun, 05 Apr 2020AU$2.8bAU$2.1b-AU$75,996,991.009.1x
Wed, 08 Jan 2020AU$6.0bAU$2.2bAU$34.1m15.3x
Tue, 01 Oct 2019AU$6.6bAU$2.1bAU$94.5m16.7x
Fri, 05 Jul 2019AU$5.3bAU$1.9bAU$171.8m13.6x
Mon, 08 Apr 2019AU$3.2bAU$1.8bAU$196.5m11.3x
Thu, 10 Jan 2019AU$3.0bAU$1.7bAU$226.7m13.2x
PE Ratio

14x

Total Market Cap: AU$3.1bTotal Earnings: AU$202.4mTotal Revenue: AU$1.8b0%0%0%3 Year10 Year
201920202021

Current Industry PE: Investors are more pessimistic on the industry, considering it's trading at a PE ratio of 9.9x which is lower than its 3-year average PE of 16.0x. It appears they believe that earnings will not grow as fast as they have historically.

Past Earnings Growth: Total earnings for the Consumer Finance industry have declined over the last three years, with the industry now making a loss overall. But revenues have grown 14% per year. This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.

Industry Trends

Which industries have driven the changes within the Australian Consumer Finance industry?

Consumer Finance-2.06%

Industry PE: Investors are most optimistic about the Consumer Finance industry even though it's trading below its 3-year average PE ratio of 16.0x. However analysts are expecting annual earnings growth of 45%, which is lower than the prior year's growth of 161% per year. So the market might believe that analysts are underestimating future growth.

Forecasted Growth: Analysts are most optimistic on the Consumer Finance industry, expecting annual earnings growth of 45% over the next 5 years. However this is lower than its past earnings growth rate of 161% per year.

Top Stock Gainers and Losers

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

Company7D1YValuation
CCP Credit Corp Group5.3%+AU$111.9m35.1%n/a
LFS Latitude Group Holdings2.5%+AU$51.9mn/an/a
HMY Harmoney1.7%+AU$3.0m-40.2%n/a
FSA FSA Group1.4%+AU$1.9m-7.0%PE6.6x
QFE QuickFee2.8%+AU$1.1m-61.9%n/a
Simply Wall St
Simply Wall Street Pty Ltd
17-21 Bellevue Street, Surry Hills, Sydney
Download on the App StoreGet it on Google Play
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.

Latest News

WZR

AU$0.24

Wisr

7D

-5.9%

1Y

20.0%

Z1P

AU$5.17

Zip Co

7D

-4.1%

1Y

-14.3%

MME

AU$1.94

MoneyMe

7D

-4.2%

1Y

36.7%

HMY

AU$1.83

Harmoney

7D

1.7%

1Y

-40.2%

MNY

AU$3.10

Money3

7D

-6.1%

1Y

4.0%

HUM

AU$0.73

Humm Group

7D

-7.0%

1Y

-43.0%

QFE

AU$0.18

QuickFee

7D

2.8%

1Y

-61.9%