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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies6
  • 7D2.2%
  • 3M-24.5%
  • 1Y-24.3%
  • YTD-24.4%

Over the last 7 days, the Consumer Finance industry has risen 5.2%, driven by gains from goeasy of 6.7%. In contrast, the industry has lost 23% in the last 12 months. As for the next few years, earnings are expected to grow by 28% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025CA$3.4bCA$1.8bCA$325.9m10x10.4x1.9x
Fri, 21 Nov 2025CA$3.0bCA$1.8bCA$331.7m8.6x9.1x1.6x
Sun, 19 Oct 2025CA$3.9bCA$1.8bCA$373.8m14.1x10.4x2.2x
Tue, 16 Sep 2025CA$4.9bCA$1.8bCA$372.2m15.2x13.2x2.8x
Thu, 14 Aug 2025CA$5.0bCA$1.8bCA$374.9m14.9x13.5x2.9x
Sat, 12 Jul 2025CA$4.6bCA$1.7bCA$321.9m14.9x14.2x2.7x
Mon, 09 Jun 2025CA$4.1bCA$1.7bCA$322.6m13.1x12.7x2.4x
Wed, 07 May 2025CA$4.1bCA$1.7bCA$336.2m13.5x12.1x2.4x
Fri, 04 Apr 2025CA$3.9bCA$1.7bCA$340.2m25.9x11.3x2.3x
Sun, 02 Mar 2025CA$4.1bCA$1.6bCA$335.7m28.4x12.3x2.5x
Tue, 28 Jan 2025CA$5.1bCA$1.6bCA$336.1m32.2x15.3x3.2x
Thu, 26 Dec 2024CA$4.5bCA$1.6bCA$343.4m18.6x13x2.8x
Sat, 23 Nov 2024CA$4.4bCA$1.6bCA$341.4m18.1x13x2.8x
Mon, 21 Oct 2024CA$4.6bCA$1.5bCA$313.2m18.8x14.7x3x
Wed, 18 Sep 2024CA$4.2bCA$1.5bCA$286.8m16.8x14.6x2.7x
Fri, 16 Aug 2024CA$4.2bCA$1.5bCA$287.6m15.9x14.7x2.8x
Sun, 14 Jul 2024CA$4.1bCA$1.4bCA$269.6m16.6x15.3x2.8x
Tue, 11 Jun 2024CA$4.3bCA$1.5bCA$272.5m15.5x15.9x3x
Thu, 09 May 2024CA$4.2bCA$1.4bCA$256.7m13.1x16.4x3x
Sat, 06 Apr 2024CA$3.5bCA$1.4bCA$227.6m12.3x15.4x2.6x
Mon, 04 Mar 2024CA$3.7bCA$1.3bCA$140.4m11.4x26.5x2.8x
Wed, 31 Jan 2024CA$3.7bCA$1.3bCA$94.3m12.7x39x2.9x
Fri, 29 Dec 2023CA$3.7bCA$1.3bCA$96.5m13.1x37.8x2.9x
Sun, 26 Nov 2023CA$3.0bCA$1.3bCA$97.8m10.6x30.8x2.4x
Tue, 24 Oct 2023CA$2.6bCA$1.2bCA$57.1m8.6x44.7x2.1x
Thu, 21 Sep 2023CA$2.7bCA$1.2bCA$88.0m9.4x30.8x2.2x
Sat, 19 Aug 2023CA$3.0bCA$1.2bCA$84.0m9.4x35.3x2.4x
Mon, 17 Jul 2023CA$2.9bCA$1.2bCA$15.2m10.7x188.6x2.5x
Wed, 14 Jun 2023CA$2.6bCA$1.2bCA$15.6m9.4x168.6x2.3x
Fri, 12 May 2023CA$2.6bCA$1.2bCA$37.0m9.7x70.5x2.2x
Sun, 09 Apr 2023CA$2.4bCA$1.1b-CA$4,629,903.0010.5x-524.8x2.1x
Tue, 07 Mar 2023CA$2.9bCA$1.1bCA$31.0m12.3x94.1x2.6x
Thu, 02 Feb 2023CA$3.0bCA$1.1bCA$52.4m11.6x57.3x2.8x
Sat, 31 Dec 2022CA$2.6bCA$1.1bCA$49.2m11.2x53.4x2.4x
Price to Earnings Ratio

53.4x


Total Market Cap: CA$2.6bTotal Earnings: CA$49.2mTotal Revenue: CA$1.1bTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 12.4x202320242025
Current Industry PE
  • Investors are pessimistic on the Canadian 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 10.4x which is lower than its 3-year average PE of 12.4x.
  • The 3-year average PS ratio of 2.6x is higher than the industry's current PS ratio of 1.9x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 88% per year over the last three years.
  • Revenues for these companies have grown 19% 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 Canadian Financials industry?

CA Market2.23%
Financials1.20%
Consumer Finance2.16%
Consumer Finance2.16%
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
GSY goeasyCA$130.492.7%
+CA$54.8m		-21.3%PE9x
AMT AmeriTrust Financial TechnologiesCA$0.0740.0%
+CA$13.6m		-33.3%PS27.8x
PRL Propel HoldingsCA$24.880.8%
+CA$7.9m		-33.4%PE11x
CXI Currency Exchange InternationalCA$22.640.5%
+CA$673.2k		-5.4%PE45.1x

Latest News

PRL
CA$24.88
Propel Holdings
7D
0.8%
1Y
-33.4%

PRL: Tighter Underwriting Will Support Asset Quality And Future Upside Despite Softer Quarter

Analysts have modestly reduced their price targets on Propel Holdings, cutting them by roughly C$5 to C$10 per share as they factor in softer Q3 results and tighter underwriting standards, while generally maintaining positive long term views on the stock. Analyst Commentary Analysts have updated their models following the latest quarter, trimming price targets but largely preserving constructive views on Propel Holdings long term earnings power.
GSY
CA$130.49
goeasy
7D
2.7%
1Y
-21.3%

GSY: Revenue And Margin Resilience Will Offset Short-Seller Pressure

Analysts have trimmed their price target on goeasy to C$275 from about C$292, reflecting slightly lower valuation multiples, even as they highlight improving revenue growth and profit margin expectations. Analyst Commentary Recent Street research on goeasy reflects a mixed but generally supportive stance, as analysts adjust price targets to reflect updated valuation frameworks while maintaining confidence in the company’s execution and growth prospects.
EPF
CA$0.59
Everyday People Financial
7D
-4.8%
1Y
18.0%

Everyday People Financial Corp. (CVE:EPF) Could Be Riskier Than It Looks

Dec 18
Everyday People Financial Corp. (CVE:EPF) Could Be Riskier Than It Looks
INVR
CA$0.35
Inverite Insights
7D
-2.8%
1Y
29.6%
AMT
CA$0.07
AmeriTrust Financial Technologies
7D
40.0%
1Y
-33.3%
MOGO
CA$1.54
Mogo
7D
-2.5%
1Y
-19.4%
CXI
CA$22.64
Currency Exchange International
7D
0.5%
1Y
-5.4%