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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedFeb 07, 2026
DataAggregated Company Financials
Companies6
  • 7D4.7%
  • 3M6.0%
  • 1Y-23.7%
  • YTD1.7%

The Consumer Finance industry is up 4.7% in the last week, with goeasy up 5.0%. In the same time, Orion Digital was down 11%. In the past year, the industry is down 24%. As for the next few years, earnings are expected to grow by 24% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 07 Feb 2026CA$3.3bCA$1.8bCA$341.7m9x9.8x1.9x
Mon, 05 Jan 2026CA$3.4bCA$1.8bCA$326.1m9.9x10.4x1.9x
Wed, 03 Dec 2025CA$3.3bCA$1.8bCA$327.8m9.8x10.2x1.8x
Fri, 31 Oct 2025CA$4.0bCA$1.8bCA$373.6m11.7x10.8x2.3x
Sun, 28 Sep 2025CA$4.3bCA$1.8bCA$373.3m15.2x11.6x2.4x
Tue, 26 Aug 2025CA$5.0bCA$1.8bCA$376.3m15.1x13.2x2.8x
Thu, 24 Jul 2025CA$4.6bCA$1.7bCA$321.5m14.6x14.2x2.7x
Sat, 21 Jun 2025CA$4.2bCA$1.7bCA$322.3m13.9x13.1x2.5x
Mon, 19 May 2025CA$4.0bCA$1.7bCA$323.9m12.9x12.4x2.3x
Wed, 16 Apr 2025CA$3.8bCA$1.7bCA$345.8m14.4x10.9x2.3x
Fri, 14 Mar 2025CA$3.7bCA$1.4bCA$340.1m25.4x10.8x2.7x
Sun, 09 Feb 2025CA$4.5bCA$1.6bCA$335.7m31.4x13.4x2.8x
Tue, 07 Jan 2025CA$4.5bCA$1.6bCA$343.2m18.2x13.2x2.8x
Thu, 05 Dec 2024CA$4.6bCA$1.6bCA$341.9m18.6x13.4x2.9x
Sat, 02 Nov 2024CA$4.5bCA$1.5bCA$313.9m18.8x14.2x2.9x
Mon, 30 Sep 2024CA$4.2bCA$1.5bCA$311.8m16.8x13.5x2.8x
Wed, 28 Aug 2024CA$4.4bCA$1.5bCA$286.2m17.3x15.4x2.9x
Fri, 26 Jul 2024CA$4.4bCA$1.5bCA$270.4m17x16.3x3x
Sun, 23 Jun 2024CA$4.2bCA$1.5bCA$269.9m16.2x15.5x2.9x
Tue, 21 May 2024CA$4.1bCA$1.4bCA$269.9m13.3x15x2.8x
Thu, 18 Apr 2024CA$3.9bCA$1.4bCA$228.3m12.5x17.2x2.9x
Sat, 16 Mar 2024CA$3.5bCA$1.4bCA$144.0m12.3x24.3x2.6x
Mon, 12 Feb 2024CA$3.5bCA$1.3bCA$94.5m13.1x37.2x2.7x
Wed, 10 Jan 2024CA$3.7bCA$1.3bCA$97.1m13.1x37.6x2.9x
Fri, 08 Dec 2023CA$3.3bCA$1.3bCA$97.8m11.8x34x2.6x
Sun, 05 Nov 2023CA$2.8bCA$1.2bCA$57.1m8.9x48.4x2.3x
Tue, 03 Oct 2023CA$2.6bCA$1.2bCA$88.7m8.6x29.1x2.1x
Thu, 31 Aug 2023CA$2.9bCA$1.2bCA$84.0m9.4x34.8x2.4x
Sat, 29 Jul 2023CA$2.9bCA$1.2bCA$15.3m10.8x191.3x2.5x
Mon, 26 Jun 2023CA$2.6bCA$1.2bCA$15.1m9.5x168.7x2.2x
Wed, 24 May 2023CA$2.6bCA$1.2bCA$14.1m9.6x184.7x2.2x
Fri, 21 Apr 2023CA$2.4bCA$1.1b-CA$4,731,405.0010.5x-500.8x2.1x
Sun, 19 Mar 2023CA$2.6bCA$1.1bCA$31.3m11x84.5x2.4x
Tue, 14 Feb 2023CA$3.0bCA$1.1bCA$52.5m11.7x57.7x2.8x
Price to Earnings Ratio

57.7x


Total Market Cap: CA$3.0bTotal Earnings: CA$52.5mTotal Revenue: CA$1.1bTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 10.6x202420252026
Current Industry PE
  • Investors are relatively neutral on the Canadian Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 10.6x.
  • The 3-year average PS ratio of 2.5x 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 87% per year over the last three years.
  • Revenues for these companies have grown 18% 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 Market2.07%
Financials1.98%
Consumer Finance4.66%
Consumer Finance4.66%
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$131.365.0%
+CA$100.8m		-21.3%PE9x
PRL Propel HoldingsCA$25.052.8%
+CA$26.8m		-33.1%PE11.1x
AMT AmeriTrust Financial TechnologiesCA$0.06530.0%
+CA$15.1m		-7.1%PS38.2x
CXI Currency Exchange InternationalCA$28.6510.2%
+CA$14.4m		30.2%PE8.9x
INVR Inverite InsightsCA$0.3117.0%
+CA$2.5m		14.8%PS14.9x

Latest News

AMT
CA$0.065
AmeriTrust Financial Technologies
7D
30.0%
1Y
-7.1%
GSY
CA$131.36
goeasy
7D
5.0%
1Y
-21.3%

GSY: Share Buybacks And Leadership Transition Will Support Future Repricing

Narrative Update: goeasy Analyst Price Target Shift Analysts have reduced their average price targets on goeasy by C$15 to C$156, reflecting a more cautious stance on the shares while broadly maintaining existing ratings. Analyst Commentary Recent research on goeasy reflects a more cautious overall stance, but there are still constructive elements in how some bullish analysts frame the story around valuation, execution and potential growth.
CXI
CA$28.65
Currency Exchange International
7D
10.2%
1Y
30.2%

Lacklustre Performance Is Driving Currency Exchange International, Corp.'s (TSE:CXI) Low P/E

Jan 30
Lacklustre Performance Is Driving Currency Exchange International, Corp.'s (TSE:CXI) Low P/E
ORIO
CA$1.57
Orion Digital
7D
-10.8%
1Y
-11.8%
PRL
CA$25.05
Propel Holdings
7D
2.8%
1Y
-33.1%

PRL: Tighter Underwriting Reset Will Support Future Upside Potential

Analysts have slightly reduced their fair value estimate for Propel Holdings to about $36.25 from about $36.39, reflecting recent price target cuts to C$35 and C$38 that they attribute to softer Q3 results and tighter underwriting standards. Analyst Commentary Bullish Takeaways Bullish analysts are framing the softer Q3 and tighter underwriting as a temporary reset, not a thesis change, as reflected in their decision to keep positive recommendations on the stock while trimming price targets.
INVR
CA$0.31
Inverite Insights
7D
17.0%
1Y
14.8%