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Australian (ASX) Consumer Finance Industry Analysis

UpdatedDec 01, 2022
DataAggregated Company Financials
Companies12
  • 7D1.6%
  • 3M-4.3%
  • 1Y-49.9%
  • YTD-50.0%

In the last week, the Consumer Finance industry is up 1.6%, with Credit Corp Group up 4.2%. In the past year, the industry is down 50%. As for the next few years, earnings are expected to grow by 22% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 01 Dec 2022AU$4.9bAU$3.3b-AU$922,235,318.0010.6x-5.4x1.5x
Sat, 29 Oct 2022AU$4.6bAU$3.3b-AU$927,486,317.0010.3x-4.9x1.4x
Mon, 26 Sep 2022AU$4.9bAU$3.3b-AU$923,043,757.0010.7x-5.3x1.5x
Wed, 24 Aug 2022AU$5.5bAU$3.2b-AU$308,443,457.0010.7x-18x1.7x
Fri, 22 Jul 2022AU$6.0bAU$3.2b-AU$284,943,945.0010.7x-21x1.9x
Sun, 19 Jun 2022AU$5.0bAU$3.2b-AU$285,100,312.008.8x-17.4x1.6x
Tue, 17 May 2022AU$6.4bAU$3.2b-AU$285,036,858.0011.2x-22.6x2x
Thu, 14 Apr 2022AU$7.4bAU$3.2b-AU$307,000,480.0012.3x-24.1x2.3x
Sat, 12 Mar 2022AU$7.4bAU$3.1b-AU$307,289,055.0012.7x-23.9x2.3x
Mon, 07 Feb 2022AU$9.0bAU$3.0b-AU$437,731,818.0010.1x-20.6x3x
Wed, 05 Jan 2022AU$10.3bAU$2.6b-AU$438,028,758.0010.5x-23.4x3.9x
Fri, 03 Dec 2021AU$10.2bAU$2.6b-AU$438,454,186.009.7x-23.4x3.9x
Sun, 31 Oct 2021AU$11.5bAU$3.1b-AU$463,329,163.0015.2x-24.9x3.8x
Tue, 28 Sep 2021AU$11.8bAU$3.1b-AU$458,021,110.0014x-25.8x3.8x
Thu, 26 Aug 2021AU$12.3bAU$3.1b-AU$457,076,296.5315.6x-26.9x4x
Fri, 02 Jul 2021AU$12.1bAU$3.1b-AU$457,076,296.5314.2x-26.4x3.9x
Mon, 05 Apr 2021AU$9.5bAU$2.2b-AU$525,567,349.4611.8x-18x4.3x
Thu, 07 Jan 2021AU$8.3bAU$2.1b-AU$521,154,471.4618x-16x4x
Wed, 30 Sep 2020AU$7.3bAU$2.1b-AU$352,058,034.0020.1x-20.6x3.5x
Sat, 04 Jul 2020AU$5.5bAU$2.0b-AU$189,067,688.0021.1x-29x2.7x
Tue, 07 Apr 2020AU$2.8bAU$2.1b-AU$75,996,991.009.1x-37.3x1.3x
Fri, 10 Jan 2020AU$6.0bAU$2.2bAU$34.1m15.3x176.1x2.7x
Price to Earnings Ratio

62.8x


Total Market Cap: AU$5.9bTotal Earnings: AU$94.5mTotal Revenue: AU$2.1bTotal Market Cap vs Earnings and Revenue0%0%0%
Australian Consumer Finance Industry Price to Earnings3Y Average -7x202020212022
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 3-year average PS ratio of 3.1x is higher than the industry's current PS ratio of 1.5x.
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.
  • Meanwhile revenues have grown 16% 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 Financials industry?

AU Market0.51%
Financials0.11%
Consumer Finance1.63%
Consumer Finance1.63%
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
CCP Credit Corp GroupAU$20.534.2%
+AU$55.8m
-35.2%PE13.9x
LFS Latitude Group HoldingsAU$1.313.2%
+AU$41.6m
-34.8%PE10.7x
ECX Eclipx GroupAU$2.063.0%
+AU$14.4m
-2.8%PE5.3x
PGL Prospa GroupAU$0.6312.5%
+AU$11.4m
-18.7%PE15.2x
WZR WisrAU$0.07310.6%
+AU$9.5m
-67.6%PS4.1x
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Latest News

MME

AU$0.34

MoneyMe

7D

-8.1%

1Y

-81.2%

ECX

AU$2.06

Eclipx Group

7D

3.0%

1Y

-2.8%

WZR

AU$0.073

Wisr

7D

10.6%

1Y

-67.6%

PYR

AU$0.055

Payright

7D

-20.3%

1Y

-77.1%

MNY

AU$1.88

Money3

7D

-0.5%

1Y

-39.4%

LFS

AU$1.31

Latitude Group Holdings

7D

3.2%

1Y

-34.8%

FSA

AU$1.07

FSA Group

7D

-0.5%

1Y

2.4%

ZIP

AU$0.74

Zip Co

7D

-2.6%

1Y

-84.8%

CCP

AU$20.53

Credit Corp Group

7D

4.2%

1Y

-35.2%

PLT

AU$0.53

Plenti Group

7D

5.0%

1Y

-60.8%

B4P

AU$0.43

Beforepay Group

7D

16.0%

1Y

n/a

OPY

AU$0.22

Openpay Group

7D

4.8%

1Y

-77.8%

PGL

AU$0.63

Prospa Group

7D

12.5%

1Y

-18.7%