Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

Australian (ASX) Consumer Finance Industry Analysis

UpdatedJun 18, 2026
DataAggregated Company Financials
Companies10
  • 7D12.3%
  • 3M36.2%
  • 1Y0.9%
  • YTD-12.1%

The Consumer Finance industry is up 12% in the last week, with Zip Co up 17%. Overall in the last year, the industry is flat. As for the next few years, earnings are expected to grow by 17% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 19 Jun 2026AU$7.1bAU$3.9bAU$505.6m9.3x14.1x1.8x
Sun, 17 May 2026AU$6.4bAU$3.9bAU$505.6m9.3x12.6x1.6x
Tue, 14 Apr 2026AU$5.5bAU$3.9bAU$503.1m9.2x11x1.4x
Thu, 12 Mar 2026AU$5.6bAU$3.9bAU$503.1m9.8x11.2x1.5x
Sat, 07 Feb 2026AU$6.5bAU$3.7bAU$418.0m10.9x15.6x1.8x
Mon, 05 Jan 2026AU$8.1bAU$3.7bAU$418.0m10.6x19.5x2.2x
Wed, 03 Dec 2025AU$7.7bAU$3.7bAU$418.0m10.7x18.4x2.1x
Fri, 31 Oct 2025AU$8.9bAU$3.6bAU$418.6m10.6x21.2x2.4x
Sun, 28 Sep 2025AU$9.5bAU$3.6bAU$418.6m11.2x22.8x2.6x
Tue, 26 Aug 2025AU$9.2bAU$3.8bAU$379.4m13x24.3x2.4x
Thu, 24 Jul 2025AU$7.8bAU$3.7bAU$232.6m12.5x33.6x2.1x
Sat, 21 Jun 2025AU$7.5bAU$3.7bAU$232.6m10.7x32.1x2x
Mon, 19 May 2025AU$6.6bAU$3.7bAU$232.6m10.7x28.2x1.8x
Wed, 16 Apr 2025AU$5.5bAU$3.6bAU$234.5m9.9x23.4x1.5x
Fri, 14 Mar 2025AU$6.2bAU$3.6bAU$234.6m10.9x26.6x1.7x
Sun, 09 Feb 2025AU$6.9bAU$3.5bAU$219.6m14.1x31.4x2x
Tue, 07 Jan 2025AU$8.1bAU$3.4bAU$163.3m17.3x49.9x2.4x
Thu, 05 Dec 2024AU$8.7bAU$3.4bAU$163.3m17.9x53.3x2.6x
Sat, 02 Nov 2024AU$7.9bAU$3.4bAU$163.6m15.1x48.5x2.4x
Mon, 30 Sep 2024AU$7.7bAU$3.4bAU$163.6m13.9x47.2x2.3x
Wed, 28 Aug 2024AU$6.6bAU$3.3bAU$82.2m15.2x80.5x2x
Fri, 26 Jul 2024AU$5.6bAU$3.4b-AU$53,514,258.008.5x-105.3x1.6x
Sun, 23 Jun 2024AU$5.2bAU$3.4b-AU$53,514,258.008.7x-97.8x1.5x
Tue, 21 May 2024AU$5.1bAU$3.4b-AU$53,514,258.008.9x-95.2x1.5x
Thu, 18 Apr 2024AU$5.2bAU$3.4b-AU$50,580,258.009x-103.2x1.5x
Sat, 16 Mar 2024AU$5.4bAU$3.4b-AU$50,580,258.009.1x-107.5x1.6x
Mon, 12 Feb 2024AU$4.3bAU$2.6b-AU$41,796,317.009.1x-101.9x1.7x
Wed, 10 Jan 2024AU$4.0bAU$2.6b-AU$38,743,733.008.8x-102.9x1.5x
Fri, 08 Dec 2023AU$3.7bAU$2.6b-AU$38,743,733.008.7x-95x1.4x
Sun, 05 Nov 2023AU$3.5bAU$2.6b-AU$36,466,733.008.1x-96.9x1.3x
Tue, 03 Oct 2023AU$4.0bAU$2.6b-AU$36,466,733.007.8x-110.2x1.5x
Thu, 31 Aug 2023AU$4.2bAU$2.4b-AU$45,948,733.009.1x-92.4x1.7x
Sat, 29 Jul 2023AU$4.4bAU$2.6bAU$129.7m13.6x34.1x1.7x
Mon, 26 Jun 2023AU$4.1bAU$2.6bAU$129.7m11.9x31.4x1.6x
Price to Earnings Ratio

31.4x


Total Market Cap: AU$4.1bTotal Earnings: AU$129.7mTotal Revenue: AU$2.6bTotal Market Cap vs Earnings and Revenue0%0%0%
Australian Consumer Finance Industry Price to Earnings3Y Average -21.4x202420252026
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 14.1x which is higher than its 3-year average PE of -21.4x.
  • The industry is trading close to its 3-year average PS ratio of 1.9x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 57% per year over the last three years.
  • Revenues for these companies have grown 15% 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 Market3.70%
Financials2.37%
Consumer Finance12.33%
Consumer Finance12.33%
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$2.8416.9%
+AU$514.3m		4.8%PE32.6x
CCP Credit Corp GroupAU$12.958.8%
+AU$71.5m		0.3%PE9.4x
HUM Humm GroupAU$0.597.3%
+AU$20.2m		35.6%PE14.3x
FPR FleetPartners GroupAU$2.882.9%
+AU$17.0m		-3.7%PE7.9x
FSA FSA GroupAU$1.367.5%
+AU$11.7m		63.9%PE13.1x

Latest News

ZIP
AU$2.84
Zip Co
7D
16.9%
1Y
4.8%
SVR
AU$1.50
Solvar
7D
3.8%
1Y
-6.5%
HUM
AU$0.59
Humm Group
7D
7.3%
1Y
35.6%
CCP
AU$12.95
Credit Corp Group
7D
8.8%
1Y
0.3%
Narrative Update • Jun 10

CCP: High Court Proceedings Will Shape Outlook For Upcoming Rerating

Analysts have slightly trimmed their fair value estimate for Credit Corp Group to A$18.51 from A$18.62, reflecting updated assumptions for the discount rate, revenue growth, profit margins, and future P/E multiples. What's in the News Credit Corp Group has been named as the Sixth Defendant in High Court of Australia proceedings titled "Abercrombie & Anor v.
PLT
AU$0.75
Plenti Group
7D
4.9%
1Y
-10.2%
Narrative Update • Jun 06

PLT: Higher Margin Outlook And Lower P/E Multiple Will Support Upside Potential

Analysts have nudged their price target on Plenti Group slightly higher to A$1.65 from A$1.63, reflecting updated views on revenue growth expectations, profit margins, and a lower future P/E multiple in their models. What's in the News Analysts have updated their Plenti Group models, resulting in a revised price target of A$1.65, based on refreshed assumptions for revenue, profit margins, and a lower future P/E multiple.
FSA
AU$1.36
FSA Group
7D
7.5%
1Y
63.9%
FPR
AU$2.88
FleetPartners Group
7D
2.9%
1Y
-3.7%
LFS
AU$0.92
Latitude Group Holdings
7D
0.5%
1Y
-18.6%
HMY
AU$0.80
Harmoney
7D
-2.2%
1Y
54.4%