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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedMar 18, 2025
DataAggregated Company Financials
Companies5
  • 7D-0.5%
  • 3M-15.5%
  • 1Y2.6%
  • YTD-17.5%

The Consumer Finance is pretty flat in the last 7 days, but Everyday People Financial has stood out, gaining 21%. Furthermore, the industry has been flat for the past year as well. As for the next few years, earnings are expected to grow by 23% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 18 Mar 2025CA$3.6bCA$1.7bCA$339.3m26x10.6x2.1x
Thu, 13 Feb 2025CA$4.5bCA$1.6bCA$335.7m30.8x13.3x2.8x
Sat, 11 Jan 2025CA$4.6bCA$1.6bCA$343.7m17.5x13.4x2.8x
Mon, 09 Dec 2024CA$4.5bCA$1.6bCA$342.3m18.2x13x2.8x
Wed, 06 Nov 2024CA$4.4bCA$1.5bCA$313.3m19.2x13.9x2.8x
Fri, 04 Oct 2024CA$4.2bCA$1.5bCA$312.0m17.2x13.6x2.8x
Sun, 01 Sep 2024CA$4.5bCA$1.5bCA$286.4m17.6x15.6x2.9x
Tue, 30 Jul 2024CA$4.5bCA$1.5bCA$270.5m17.9x16.7x3.1x
Thu, 27 Jun 2024CA$4.2bCA$1.5bCA$269.9m16.4x15.7x2.9x
Sat, 25 May 2024CA$3.9bCA$1.4bCA$272.1m15x14.4x2.7x
Mon, 22 Apr 2024CA$4.0bCA$1.4bCA$228.2m12.7x17.4x2.9x
Wed, 20 Mar 2024CA$3.6bCA$1.4bCA$144.1m12.3x24.8x2.6x
Fri, 16 Feb 2024CA$3.7bCA$1.5bCA$140.1m12x26.2x2.5x
Sun, 14 Jan 2024CA$3.7bCA$1.3bCA$97.1m13.3x37.9x2.9x
Tue, 12 Dec 2023CA$3.5bCA$1.3bCA$97.7m12.4x35.7x2.7x
Thu, 09 Nov 2023CA$2.8bCA$1.2bCA$57.5m9.7x48.2x2.3x
Sat, 07 Oct 2023CA$2.6bCA$1.2bCA$57.0m8.9x45.7x2.1x
Mon, 04 Sep 2023CA$3.0bCA$1.2bCA$109.5m9.6x27.1x2.4x
Wed, 02 Aug 2023CA$3.0bCA$1.2bCA$15.4m10.6x193.1x2.6x
Fri, 30 Jun 2023CA$2.6bCA$1.2bCA$15.3m9.7x171.3x2.3x
Sun, 28 May 2023CA$2.6bCA$1.2bCA$14.4m9.5x179x2.2x
Tue, 25 Apr 2023CA$2.4bCA$1.1b-CA$4,571,594.0010.4x-514.6x2.1x
Thu, 23 Mar 2023CA$2.7bCA$981.4mCA$41.3m10.7x64.3x2.7x
Sat, 18 Feb 2023CA$3.1bCA$1.1bCA$30.7m12.9x99.8x2.8x
Mon, 16 Jan 2023CA$2.8bCA$1.1bCA$48.9m11.6x57x2.6x
Wed, 14 Dec 2022CA$2.8bCA$1.1bCA$76.2m10.8x36.3x2.6x
Fri, 11 Nov 2022CA$2.9bCA$1.0bCA$106.0m11.4x27.2x2.8x
Sun, 09 Oct 2022CA$2.5bCA$1.0bCA$106.4m9.9x23.6x2.5x
Tue, 06 Sep 2022CA$2.7bCA$978.4mCA$110.1m19x24.5x2.8x
Thu, 04 Aug 2022CA$2.8bCA$914.5mCA$123.2m30.3x22.4x3x
Sat, 02 Jul 2022CA$2.3bCA$915.3mCA$123.2m26.7x18.5x2.5x
Mon, 30 May 2022CA$2.6bCA$903.8mCA$106.8m44.7x24.7x2.9x
Wed, 27 Apr 2022CA$2.7bCA$842.2mCA$211.4m36.9x12.9x3.2x
Fri, 25 Mar 2022CA$3.0bCA$815.1mCA$249.6m37.5x11.9x3.6x
Price to Earnings Ratio

11.9x


Total Market Cap: CA$3.0bTotal Earnings: CA$249.6mTotal Revenue: CA$815.1mTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 15.5x202320242025
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 10.6x which is lower than its 3-year average PE of 15.5x.
  • The 3-year average PS ratio of 2.7x is higher than the industry's current PS ratio of 2.1x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 11% per year over the last three years.
  • Revenues for these companies have grown 27% 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 Market1.47%
Financials0.73%
Consumer Finance-0.47%
Consumer Finance-0.47%
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
EPF Everyday People FinancialCA$0.8621.1%
+CA$18.9m		100.0%PE53x
MOGO MogoCA$1.351.5%
+CA$485.6k		-49.4%PS0.8x
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