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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedDec 20, 2024
DataAggregated Company Financials
Companies5
  • 7D-1.0%
  • 3M-3.5%
  • 1Y25.6%
  • YTD29.2%

Over the last 7 days, the Consumer Finance industry has dropped 4.4%, driven by Propel Holdings declining 3.9%. Meanwhile, Everyday People Financial actually outperformed within the industry, gaining 15% in the last week. In the past year, the industry has gained 24%. 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
Sat, 21 Dec 2024CA$4.2bCA$1.6bCA$343.5m17.8x12.2x2.6x
Mon, 18 Nov 2024CA$4.4bCA$1.6bCA$342.0m17.1x12.8x2.7x
Wed, 16 Oct 2024CA$4.5bCA$1.5bCA$313.1m18.2x14.4x3x
Fri, 13 Sep 2024CA$4.2bCA$1.5bCA$286.7m16.5x14.7x2.7x
Sun, 11 Aug 2024CA$4.3bCA$1.5bCA$286.9m15.9x14.9x2.9x
Tue, 09 Jul 2024CA$4.1bCA$1.4bCA$269.6m16.8x15.3x2.8x
Thu, 06 Jun 2024CA$4.1bCA$1.5bCA$272.2m15.5x15.1x2.8x
Sat, 04 May 2024CA$4.1bCA$1.4bCA$228.0m12.9x18.1x3x
Mon, 01 Apr 2024CA$3.5bCA$1.4bCA$227.5m12.4x15.5x2.6x
Wed, 28 Feb 2024CA$3.6bCA$1.3bCA$140.3m11.4x26x2.8x
Fri, 26 Jan 2024CA$3.8bCA$1.3bCA$94.6m13.2x40x2.9x
Sun, 24 Dec 2023CA$3.7bCA$1.3bCA$96.6m13.2x38.1x2.9x
Tue, 21 Nov 2023CA$2.9bCA$1.3bCA$88.1m9.9x33.3x2.3x
Thu, 19 Oct 2023CA$2.6bCA$1.2bCA$57.2m9.2x46.2x2.2x
Sat, 16 Sep 2023CA$2.8bCA$1.2bCA$108.5m9.8x25.9x2.3x
Mon, 14 Aug 2023CA$3.1bCA$1.2bCA$80.0m10x39x2.6x
Wed, 12 Jul 2023CA$2.8bCA$1.2bCA$15.3m10.4x181x2.4x
Fri, 09 Jun 2023CA$2.6bCA$1.2bCA$15.7m9.3x165.6x2.2x
Sun, 07 May 2023CA$2.4bCA$1.1b-CA$5,379,979.0010.3x-439.1x2.1x
Tue, 04 Apr 2023CA$2.5bCA$1.1b-CA$4,887,706.0010.7x-503.9x2.2x
Thu, 02 Mar 2023CA$2.9bCA$1.1bCA$30.9m12.5x95.2x2.7x
Sat, 28 Jan 2023CA$3.0bCA$1.1bCA$52.4m11.4x56.7x2.7x
Mon, 26 Dec 2022CA$2.6bCA$1.1bCA$76.3m10.9x33.4x2.4x
Wed, 23 Nov 2022CA$2.8bCA$1.1bCA$82.8m10.9x34.2x2.7x
Fri, 21 Oct 2022CA$2.5bCA$1.0bCA$106.5m9.4x23.3x2.4x
Sun, 18 Sep 2022CA$2.8bCA$1.0bCA$105.9m10.8x26.1x2.7x
Tue, 16 Aug 2022CA$3.1bCA$973.1mCA$80.6m30.3x38.4x3.2x
Thu, 14 Jul 2022CA$2.4bCA$916.2mCA$123.3m27.6x19.1x2.6x
Sat, 11 Jun 2022CA$2.5bCA$904.4mCA$107.9m45.6x23.3x2.8x
Mon, 09 May 2022CA$2.8bCA$843.3mCA$211.4m37.7x13.1x3.3x
Wed, 06 Apr 2022CA$3.3bCA$836.5mCA$211.1m40.8x15.5x3.9x
Fri, 04 Mar 2022CA$3.3bCA$819.6mCA$240.6m21.4x13.6x4x
Sun, 30 Jan 2022CA$3.3bCA$790.2mCA$240.0m23.1x13.9x4.2x
Tue, 28 Dec 2021CA$4.1bCA$784.2mCA$233.5m22x17.7x5.3x
Price to Earnings Ratio

17.7x


Total Market Cap: CA$4.1bTotal Earnings: CA$233.5mTotal Revenue: CA$784.2mTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 15.6x202220232024
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 12.7x which is lower than its 3-year average PE of 15.6x.
  • The industry is trading close to its 3-year average PS ratio of 2.8x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 14% per year over the last three years.
  • Revenues for these companies have grown 28% 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 Market-3.68%
Financials-2.52%
Consumer Finance-1.03%
Consumer Finance-1.03%
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$163.821.2%
+CA$32.8m		2.0%PE9.7x
EPF Everyday People FinancialCA$0.506.4%
+CA$3.6m		-5.7%PE29x
CXI Currency Exchange InternationalCA$23.002.2%
+CA$3.2m		-1.7%PE13.3x
MOGO MogoCA$1.930.5%
+CA$242.8k		-29.0%PS1.1x
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Latest News

PRL

CA$36.03

Propel Holdings

7D

-2.3%

1Y

179.5%

GSY

CA$163.82

goeasy

7D

1.2%

1Y

2.0%

EPF

CA$0.50

Everyday People Financial

7D

6.4%

1Y

-5.7%

Everyday People Financial Corp. (CVE:EPF) Soars 33% But It's A Story Of Risk Vs Reward

Dec 17
Everyday People Financial Corp. (CVE:EPF) Soars 33% But It's A Story Of Risk Vs Reward

CXI

CA$23.00

Currency Exchange International

7D

2.2%

1Y

-1.7%

MOGO

CA$1.93

Mogo

7D

0.5%

1Y

-29.0%

AMT

CA$0.10

AmeriTrust Financial Technologies

7D

-4.8%

1Y

900.0%

INVR

CA$0.045

Inverite Insights

7D

-10.0%

1Y

12.5%