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Australian (ASX) Consumer Finance Industry Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies9
  • 7D7.1%
  • 3M-15.7%
  • 1Y7.0%
  • YTD6.5%

In the last week, the Consumer Finance industry is up 7.1%, with Zip Co up 13%. In the last 12 months, the industry was up 7.0%. As for the next few years, earnings are expected to grow by 18% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025AU$8.1bAU$3.7bAU$418.0m10.7x19.4x2.2x
Fri, 21 Nov 2025AU$7.6bAU$3.7bAU$418.0m10x18.1x2.1x
Sun, 19 Oct 2025AU$9.6bAU$3.6bAU$418.6m10.5x22.9x2.6x
Tue, 16 Sep 2025AU$9.8bAU$3.8bAU$418.6m11.8x23.4x2.6x
Thu, 14 Aug 2025AU$8.3bAU$3.6bAU$219.7m13.6x37.6x2.3x
Sat, 12 Jul 2025AU$7.8bAU$3.7bAU$232.6m12.1x33.4x2.1x
Mon, 09 Jun 2025AU$6.6bAU$3.7bAU$232.6m10.6x28.3x1.8x
Wed, 07 May 2025AU$5.9bAU$3.6bAU$234.5m10.4x25x1.6x
Fri, 04 Apr 2025AU$5.6bAU$3.6bAU$234.6m10.2x24.1x1.5x
Sun, 02 Mar 2025AU$7.1bAU$3.7bAU$278.9m9.7x25.6x1.9x
Tue, 28 Jan 2025AU$8.3bAU$3.4bAU$163.3m15.6x50.7x2.4x
Thu, 26 Dec 2024AU$7.9bAU$3.4bAU$163.3m17.9x48.2x2.3x
Sat, 23 Nov 2024AU$8.5bAU$3.4bAU$163.3m14.6x51.8x2.5x
Mon, 21 Oct 2024AU$7.9bAU$3.4bAU$163.6m13.9x48.2x2.3x
Wed, 18 Sep 2024AU$7.0bAU$3.4bAU$163.6m13.9x42.8x2.1x
Fri, 16 Aug 2024AU$6.3bAU$3.2b-AU$16,763,258.008.4x-374.8x1.9x
Sun, 14 Jul 2024AU$5.5bAU$3.4b-AU$53,514,258.008.3x-103x1.6x
Tue, 11 Jun 2024AU$5.0bAU$3.4b-AU$53,514,258.008.7x-94.1x1.5x
Thu, 09 May 2024AU$5.3bAU$3.4b-AU$50,580,258.008.9x-104.4x1.6x
Sat, 06 Apr 2024AU$5.4bAU$3.4b-AU$50,580,258.009.1x-106.9x1.6x
Mon, 04 Mar 2024AU$5.3bAU$3.4b-AU$50,954,258.008.9x-103.5x1.6x
Wed, 31 Jan 2024AU$4.1bAU$2.6b-AU$38,743,733.009x-107.1x1.6x
Fri, 29 Dec 2023AU$4.0bAU$2.6b-AU$38,743,733.009.1x-103.3x1.5x
Sun, 26 Nov 2023AU$3.6bAU$2.6b-AU$38,743,733.008.2x-92.2x1.3x
Tue, 24 Oct 2023AU$3.5bAU$2.6b-AU$36,466,733.007.3x-95.9x1.3x
Thu, 21 Sep 2023AU$4.2bAU$2.6b-AU$36,466,733.008.5x-114.6x1.6x
Sat, 19 Aug 2023AU$4.1bAU$2.5b-AU$11,508,589.009.5x-356.6x1.7x
Mon, 17 Jul 2023AU$4.3bAU$2.6bAU$129.7m12.6x32.8x1.7x
Wed, 14 Jun 2023AU$4.0bAU$2.6bAU$129.7m11.3x30.7x1.5x
Fri, 12 May 2023AU$4.0bAU$2.6bAU$149.7m10.8x26.9x1.6x
Sun, 09 Apr 2023AU$4.0bAU$2.6bAU$149.7m11.1x26.5x1.5x
Tue, 07 Mar 2023AU$4.2bAU$2.7bAU$150.4m12.4x28x1.6x
Thu, 02 Feb 2023AU$5.3bAU$3.3b-AU$921,913,102.0011.9x-5.7x1.6x
Sat, 31 Dec 2022AU$4.7bAU$3.3b-AU$922,348,808.0010.6x-5x1.4x
Price to Earnings Ratio

-5x


Total Market Cap: AU$4.7bTotal Earnings: -AU$922,348,808.00Total Revenue: AU$3.3bTotal Market Cap vs Earnings and Revenue0%0%0%
Australian Consumer Finance Industry Price to Earnings3Y Average -21x202320242025
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 19.4x which is higher than its 3-year average PE of -21.0x.
  • The 3-year average PS ratio of 1.8x is lower than the industry's current PS ratio of 2.2x.
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 3.8% 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 Market2.54%
Financials2.39%
Consumer Finance7.11%
Consumer Finance7.11%
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
ZIP Zip CoAU$3.2510.5%
+AU$394.3m		11.7%PE51.7x
CCP Credit Corp GroupAU$14.084.0%
+AU$36.8m		-12.6%PE10.2x
PLT Plenti GroupAU$1.175.0%
+AU$9.9m		73.9%PE6.1x
SVR SolvarAU$1.762.9%
+AU$9.5m		17.3%PE10.6x
CCV Cash Converters InternationalAU$0.323.2%
+AU$7.0m		28.0%PE9.2x

Latest News

ZIP
AU$3.25
Zip Co
7D
10.5%
1Y
11.7%
CCP
AU$14.08
Credit Corp Group
7D
4.0%
1Y
-12.6%
HUM
AU$0.70
Humm Group
7D
-4.1%
1Y
2.2%
SVR
AU$1.76
Solvar
7D
2.9%
1Y
17.3%
LFS
AU$1.06
Latitude Group Holdings
7D
-0.9%
1Y
-7.8%
PLT
AU$1.17
Plenti Group
7D
5.0%
1Y
73.9%

PLT: Index Inclusion Will Support Future Liquidity And Share Demand

Analysts have maintained their price target for Plenti Group at 1.78 dollars, reflecting unchanged views on fair value, growth, and profitability, despite minor refinements to model assumptions. What's in the News Plenti Group Limited (ASX:PLT) has been added to the S&P/ASX All Ordinaries Index, which may increase visibility and liquidity for the stock (Index Constituent Adds) Inclusion in the S&P/ASX All Ordinaries Index may attract additional institutional investors that track or benchmark against this index, which could support demand for Plenti shares (Index Constituent Adds) The index addition reflects Plenti Group's progress in meeting size and liquidity criteria and reinforces its status as an established player on the ASX (Index Constituent Adds) Valuation Changes The Fair Value Estimate remains unchanged at A$1.78 per share, indicating no revision to the assessed intrinsic value.
FPR
AU$2.88
FleetPartners Group
7D
-2.0%
1Y
2.5%
FSA
AU$1.30
FSA Group
7D
2.4%
1Y
59.5%
HMY
AU$0.90
Harmoney
7D
2.3%
1Y
150.0%
CCV
AU$0.32
Cash Converters International
7D
3.2%
1Y
28.0%
QFE
AU$0.075
QuickFee
7D
-2.6%
1Y
-37.5%
MME
AU$0.12
MoneyMe
7D
4.5%
1Y
-36.1%