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Australian (ASX) Consumer Finance Industry Analysis

UpdatedMar 25, 2026
DataAggregated Company Financials
Companies10
  • 7D-2.6%
  • 3M-35.5%
  • 1Y-13.9%
  • YTD-36.6%

Over the last 7 days, the Consumer Finance industry has dropped 2.6%, driven by declines in Credit Corp Group and Latitude Group Holdings of 7.4% and 4.6%, respectively. Meanwhile, Zip Co actually outperformed within the industry, gaining 5.4% in the last week. Overall the industry is down 14% in 12 months. Earnings are forecast to grow by 16% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 25 Mar 2026AU$5.2bAU$3.9bAU$503.1m9.2x10.3x1.3x
Fri, 20 Feb 2026AU$5.9bAU$3.7bAU$404.6m11.8x14.5x1.6x
Sun, 18 Jan 2026AU$7.8bAU$3.7bAU$418.0m11.3x18.6x2.1x
Tue, 16 Dec 2025AU$7.7bAU$3.7bAU$418.0m10.2x18.4x2.1x
Thu, 13 Nov 2025AU$8.0bAU$3.6bAU$418.6m9.9x19.2x2.2x
Sat, 11 Oct 2025AU$10.1bAU$3.6bAU$418.6m10.9x24.1x2.8x
Mon, 08 Sep 2025AU$9.8bAU$3.8bAU$418.6m11.9x23.4x2.6x
Wed, 06 Aug 2025AU$8.5bAU$3.6bAU$219.7m13.7x38.7x2.3x
Fri, 04 Jul 2025AU$7.9bAU$3.7bAU$232.6m11.7x34.1x2.2x
Sun, 01 Jun 2025AU$6.3bAU$3.7bAU$232.6m10.4x27.2x1.7x
Tue, 29 Apr 2025AU$5.8bAU$3.6bAU$234.5m10x24.8x1.6x
Thu, 27 Mar 2025AU$6.2bAU$3.6bAU$234.6m10.2x26.4x1.7x
Sat, 22 Feb 2025AU$7.2bAU$3.5bAU$252.9m9.9x28.3x2x
Mon, 20 Jan 2025AU$8.1bAU$3.4bAU$163.3m15.9x49.7x2.4x
Wed, 18 Dec 2024AU$8.0bAU$3.4bAU$163.3m17.9x48.7x2.3x
Fri, 15 Nov 2024AU$8.6bAU$3.4bAU$163.6m15.1x52.4x2.5x
Sun, 13 Oct 2024AU$8.0bAU$3.4bAU$163.6m13.9x48.8x2.4x
Tue, 10 Sep 2024AU$6.7bAU$3.4bAU$163.6m13.8x40.8x2x
Thu, 08 Aug 2024AU$6.1bAU$3.4b-AU$50,105,258.008.4x-121.1x1.8x
Sat, 06 Jul 2024AU$5.5bAU$3.4b-AU$53,514,258.008.7x-102.4x1.6x
Mon, 03 Jun 2024AU$5.0bAU$3.4b-AU$53,514,258.008.9x-94.1x1.5x
Wed, 01 May 2024AU$5.3bAU$3.4b-AU$50,580,258.008.8x-104.3x1.6x
Fri, 29 Mar 2024AU$5.7bAU$3.4b-AU$50,580,258.009.3x-111.8x1.7x
Sun, 25 Feb 2024AU$4.2bAU$2.6b-AU$66,831,317.008.9x-62.9x1.6x
Tue, 23 Jan 2024AU$4.1bAU$2.6b-AU$38,743,733.008.9x-105.4x1.5x
Thu, 21 Dec 2023AU$4.0bAU$2.6b-AU$38,743,733.008.8x-102.3x1.5x
Sat, 18 Nov 2023AU$3.6bAU$2.6b-AU$38,743,733.008.4x-93.3x1.4x
Mon, 16 Oct 2023AU$3.9bAU$2.6b-AU$36,466,733.007.6x-108.1x1.5x
Wed, 13 Sep 2023AU$4.3bAU$2.6b-AU$36,466,733.008.9x-118x1.6x
Fri, 11 Aug 2023AU$4.1bAU$2.6bAU$138.6m11.6x29.5x1.6x
Sun, 09 Jul 2023AU$4.1bAU$2.6bAU$129.7m11.9x32x1.6x
Tue, 06 Jun 2023AU$4.0bAU$2.6bAU$129.7m11.2x31x1.6x
Thu, 04 May 2023AU$4.1bAU$2.6bAU$149.7m11x27.2x1.6x
Sat, 01 Apr 2023AU$3.9bAU$2.6bAU$149.8m11.1x26.3x1.5x
Price to Earnings Ratio

26.3x


Total Market Cap: AU$3.9bTotal Earnings: AU$149.8mTotal Revenue: AU$2.6bTotal Market Cap vs Earnings and Revenue0%0%0%
Australian Consumer Finance Industry Price to Earnings3Y Average -20.1x202420252026
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 10.3x which is higher than its 3-year average PE of -20.1x.
  • The 3-year average PS ratio of 1.9x is higher than the industry's current PS ratio of 1.3x.
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-2.84%
Financials-3.27%
Consumer Finance-2.60%
Consumer Finance-2.60%
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$1.655.4%
+AU$101.6m		-13.2%PE19x
PLT Plenti GroupAU$0.9116.0%
+AU$22.8m		13.1%PE4.8x
SVR SolvarAU$1.666.4%
+AU$18.9m		19.4%PE9.7x
QFE QuickFeeAU$0.08114.1%
+AU$3.8m		-6.9%PE0.9x

Latest News

FSA
AU$1.15
FSA Group
7D
-3.8%
1Y
39.4%
LFS
AU$0.93
Latitude Group Holdings
7D
-4.6%
1Y
-18.8%
SVR
AU$1.66
Solvar
7D
6.4%
1Y
19.4%

SVR: Special Dividend And Stable Assumptions Will Support Future Upside Potential

Analysts have kept their A$ price target for Solvar broadly steady, with only a marginal adjustment reflecting fine tuning to the discount rate, revenue growth, profit margin and future P/E assumptions rather than a shift in the core outlook. What's in the News Solvar Limited declared a special dividend of A$0.025 per share, with an ex date of March 4, 2026, a record date of March 5, 2026, and payment scheduled for April 7, 2026 (Key Developments).
ZIP
AU$1.65
Zip Co
7D
5.4%
1Y
-13.2%

ZIP: Higher Fair Value Reflects Confidence In Margin Expansion And Buyback Plan

Analysts have adjusted the fair value estimate for Zip Co to A$5.25 from A$4.31, reflecting updated views on discount rates, revenue growth, profit margins and future P/E assumptions in light of recent Street research commentary. Analyst Commentary Recent Street commentary on ZipRecruiter, while focused on a different company, offers context for how analysts are thinking about platform scale, technology adoption and revenue visibility that can inform views on Zip Co. Bullish analysts are paying particular attention to earnings delivery versus guidance, the role of AI in driving user engagement and the link between execution on these themes and longer term valuation support.
FPR
AU$2.48
FleetPartners Group
7D
-2.4%
1Y
-8.1%
PLT
AU$0.91
Plenti Group
7D
16.0%
1Y
13.1%
CCV
AU$0.30
Cash Converters International
7D
-6.3%
1Y
27.7%
WZR
AU$0.021
Wisr
7D
-12.5%
1Y
-32.3%

WZR: Earnings Guidance And Higher Margin Outlook Will Drive Future Upside

Analysts have slightly increased their fair value estimate for Wisr from A$0.14 to A$0.145, citing updated assumptions for very strong revenue growth, a modestly higher profit margin outlook, and a higher future P/E multiple, while keeping the discount rate unchanged. What's in the News Wisr reaffirmed earnings guidance for fiscal 2026 and kept its existing outlook in place (Key Developments).
CCP
AU$9.82
Credit Corp Group
7D
-7.4%
1Y
-32.1%

CCP: Earnings Guidance For Fiscal 2026 Will Support Rerated Outlook

Analysts have revised their price target for Credit Corp Group lower to A$18.62 from A$20.60, reflecting updated views on earnings potential given adjusted assumptions for revenue growth, profit margins and future P/E multiples. What's in the News Credit Corp Group reiterated earnings guidance for fiscal 2026, with NPAT expected in the range of A$100 million to A$110 million (Key Developments).
B4P
AU$1.46
Beforepay Group
7D
-8.8%
1Y
40.4%
QFE
AU$0.081
QuickFee
7D
14.1%
1Y
-6.9%
HMY
AU$0.73
Harmoney
7D
-9.9%
1Y
58.7%