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Australian (ASX) Consumer Finance Industry Analysis
UpdatedApr 14, 2025
DataAggregated Company Financials
Companies11
- 7D5.6%
- 3M-29.0%
- 1Y-3.6%
- YTD-30.0%
In the last week, the Consumer Finance industry is up 5.6%, with Zip Co up 26%. In contrast, the industry has lost 3.6% in the last 12 months. Looking forward, earnings are forecast to grow by 33% 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, 15 Apr 2025 | AU$5.5b | AU$3.6b | AU$234.5m | 9.9x | 23.6x | 1.5x |
| Thu, 13 Mar 2025 | AU$6.2b | AU$3.6b | AU$234.6m | 10.9x | 26.6x | 1.7x |
| Sat, 08 Feb 2025 | AU$6.9b | AU$3.5b | AU$219.6m | 14.1x | 31.4x | 2x |
| Mon, 06 Jan 2025 | AU$8.0b | AU$3.4b | AU$163.3m | 17.3x | 49.3x | 2.4x |
| Wed, 04 Dec 2024 | AU$8.7b | AU$3.4b | AU$163.3m | 16.9x | 53x | 2.5x |
| Fri, 01 Nov 2024 | AU$8.0b | AU$3.4b | AU$163.6m | 13.8x | 49.1x | 2.4x |
| Sun, 29 Sep 2024 | AU$7.7b | AU$3.4b | AU$163.6m | 13.9x | 47.2x | 2.3x |
| Tue, 27 Aug 2024 | AU$6.9b | AU$3.2b | AU$83.1m | 13x | 82.6x | 2.1x |
| Thu, 25 Jul 2024 | AU$5.7b | AU$3.4b | -AU$53,514,258.00 | 8.6x | -107.2x | 1.7x |
| Sat, 22 Jun 2024 | AU$5.2b | AU$3.4b | -AU$53,514,258.00 | 8.7x | -97.8x | 1.5x |
| Mon, 20 May 2024 | AU$5.1b | AU$3.4b | -AU$53,514,258.00 | 8.5x | -94.5x | 1.5x |
| Wed, 17 Apr 2024 | AU$5.4b | AU$3.4b | -AU$50,580,258.00 | 8.8x | -107.3x | 1.6x |
| Fri, 15 Mar 2024 | AU$5.4b | AU$3.4b | -AU$50,580,258.00 | 9x | -106.6x | 1.6x |
| Sun, 11 Feb 2024 | AU$4.3b | AU$2.6b | -AU$41,796,317.00 | 9.1x | -101.9x | 1.7x |
| Tue, 09 Jan 2024 | AU$3.9b | AU$2.6b | -AU$38,743,733.00 | 8.6x | -101.8x | 1.5x |
| Thu, 07 Dec 2023 | AU$3.7b | AU$2.6b | -AU$38,743,733.00 | 8.7x | -95.1x | 1.4x |
| Sat, 04 Nov 2023 | AU$3.5b | AU$2.6b | -AU$36,466,733.00 | 8.1x | -96.9x | 1.3x |
| Mon, 02 Oct 2023 | AU$4.1b | AU$2.6b | -AU$36,466,733.00 | 8.2x | -111.3x | 1.5x |
| Wed, 30 Aug 2023 | AU$4.2b | AU$2.5b | -AU$12,218,493.00 | 9x | -340.8x | 1.7x |
| Fri, 28 Jul 2023 | AU$4.4b | AU$2.6b | AU$129.7m | 13.5x | 34.1x | 1.7x |
| Sun, 25 Jun 2023 | AU$4.1b | AU$2.6b | AU$129.7m | 11.9x | 31.4x | 1.6x |
| Tue, 23 May 2023 | AU$4.0b | AU$2.6b | AU$129.7m | 10.8x | 30.8x | 1.6x |
| Thu, 20 Apr 2023 | AU$4.1b | AU$2.6b | AU$149.7m | 10.9x | 27.1x | 1.6x |
| Sat, 18 Mar 2023 | AU$3.9b | AU$2.7b | AU$149.8m | 11.2x | 26.3x | 1.5x |
| Mon, 13 Feb 2023 | AU$5.1b | AU$3.3b | -AU$980,331,941.00 | 11.6x | -5.2x | 1.5x |
| Wed, 11 Jan 2023 | AU$4.9b | AU$3.3b | -AU$922,227,244.00 | 11.2x | -5.3x | 1.5x |
| Fri, 09 Dec 2022 | AU$4.8b | AU$3.3b | -AU$922,666,066.00 | 10.6x | -5.2x | 1.5x |
| Sun, 06 Nov 2022 | AU$4.6b | AU$3.3b | -AU$927,798,957.00 | 10.3x | -5x | 1.4x |
| Tue, 04 Oct 2022 | AU$4.6b | AU$3.3b | -AU$927,013,364.00 | 10.5x | -5x | 1.4x |
| Thu, 01 Sep 2022 | AU$5.4b | AU$3.2b | -AU$912,012,883.00 | 11.1x | -6x | 1.7x |
| Sat, 30 Jul 2022 | AU$6.2b | AU$3.2b | -AU$284,917,081.00 | 10.5x | -21.8x | 2x |
| Mon, 27 Jun 2022 | AU$4.9b | AU$3.2b | -AU$285,121,170.00 | 8.5x | -17.4x | 1.6x |
| Wed, 25 May 2022 | AU$6.3b | AU$3.2b | -AU$285,147,764.00 | 10.9x | -22.2x | 2x |
| Fri, 22 Apr 2022 | AU$7.5b | AU$3.2b | -AU$306,865,136.00 | 12.4x | -24.3x | 2.4x |
Price to Earnings Ratio
-24.3x
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 23.6x which is higher than its 3-year average PE of -30.3x.
- The 3-year average PS ratio of 1.7x is higher than the industry's current PS ratio of 1.5x.
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 4.9% 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 | 0.085% | |
| Financials | -0.40% | |
| Consumer Finance | 5.59% | |
| Consumer Finance | 5.59% | |
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$1.50 | 26.1% +AU$404.7m | 12.8% | PS2.1x | |
| CCP Credit Corp Group | AU$12.48 | 5.0% +AU$40.2m | -26.0% | PE7.9x | |
| FPR FleetPartners Group | AU$2.70 | 5.9% +AU$33.3m | -25.6% | PE7.7x | |
| SVR Solvar | AU$1.44 | 9.9% +AU$25.8m | 43.3% | PE13.9x | |
| HUM Humm Group | AU$0.52 | 6.1% +AU$14.5m | 9.5% | PE7.1x |