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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedApr 03, 2026
DataAggregated Company Financials
Companies7
  • 7D-1.7%
  • 3M-53.4%
  • 1Y-57.0%
  • YTDn/a

Over the last 7 days, the Consumer Finance industry has dropped 4.2%, driven by goeasy declining 6.0%. Meanwhile, Everyday People Financial actually outperformed within the industry, gaining 5.6% in the last week. Overall the industry is down 58% in 12 months. Looking forward, earnings are forecast to grow by 24% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 03 Apr 2026CA$1.6bCA$1.5b-CA$93,710,140.048.1x-16.9x1.1x
Sun, 01 Mar 2026CA$2.9bCA$1.8bCA$341.6m8.1x8.4x1.6x
Tue, 27 Jan 2026CA$3.3bCA$1.8bCA$342.2m8.2x9.7x1.9x
Thu, 25 Dec 2025CA$3.4bCA$1.8bCA$325.7m10.1x10.4x1.9x
Sat, 22 Nov 2025CA$3.0bCA$1.8bCA$331.6m9.2x9x1.6x
Mon, 20 Oct 2025CA$3.9bCA$1.8bCA$373.8m14.1x10.4x2.2x
Wed, 17 Sep 2025CA$5.0bCA$1.8bCA$372.1m15.6x13.4x2.8x
Fri, 15 Aug 2025CA$5.0bCA$1.8bCA$375.2m14.6x13.3x2.8x
Sun, 13 Jul 2025CA$4.5bCA$1.7bCA$322.0m14.3x13.8x2.6x
Tue, 10 Jun 2025CA$4.1bCA$1.7bCA$322.5m13x12.7x2.4x
Thu, 08 May 2025CA$4.0bCA$1.7bCA$350.9m12.5x11.3x2.3x
Sat, 05 Apr 2025CA$3.7bCA$1.7bCA$340.9m25x10.7x2.2x
Mon, 03 Mar 2025CA$4.1bCA$1.6bCA$335.7m28.4x12.3x2.5x
Wed, 29 Jan 2025CA$5.0bCA$1.6bCA$336.2m32.5x14.8x3.1x
Fri, 27 Dec 2024CA$4.5bCA$1.6bCA$343.6m18.5x13x2.7x
Sun, 24 Nov 2024CA$4.5bCA$1.6bCA$341.4m18.1x13.1x2.8x
Tue, 22 Oct 2024CA$4.6bCA$1.5bCA$313.3m18.7x14.7x3x
Thu, 19 Sep 2024CA$4.3bCA$1.5bCA$286.9m16.6x14.8x2.8x
Sat, 17 Aug 2024CA$4.2bCA$1.5bCA$287.3m16.1x14.8x2.8x
Mon, 15 Jul 2024CA$4.1bCA$1.4bCA$269.6m16.6x15.3x2.8x
Wed, 12 Jun 2024CA$4.3bCA$1.5bCA$272.5m15.2x15.9x3x
Fri, 10 May 2024CA$4.3bCA$1.4bCA$267.5m13x16.1x3x
Sun, 07 Apr 2024CA$3.6bCA$1.4bCA$227.6m12.3x15.8x2.6x
Tue, 05 Mar 2024CA$3.7bCA$1.3bCA$140.5m11.3x26.1x2.8x
Thu, 01 Feb 2024CA$3.7bCA$1.3bCA$94.5m12.6x38.9x2.9x
Sat, 30 Dec 2023CA$3.7bCA$1.3bCA$96.6m13x37.8x2.9x
Mon, 27 Nov 2023CA$3.0bCA$1.3bCA$97.8m10.6x30.8x2.4x
Wed, 25 Oct 2023CA$2.6bCA$1.2bCA$57.1m8.6x44.7x2.1x
Fri, 22 Sep 2023CA$2.6bCA$1.2bCA$88.0m8.9x30x2.2x
Sun, 20 Aug 2023CA$3.0bCA$1.2bCA$84.0m9.4x35.2x2.4x
Tue, 18 Jul 2023CA$2.9bCA$1.2bCA$15.1m10.8x189.9x2.5x
Thu, 15 Jun 2023CA$2.6bCA$1.2bCA$16.9m9.3x155.4x2.2x
Sat, 13 May 2023CA$2.6bCA$1.2bCA$37.2m9.8x70.6x2.3x
Mon, 10 Apr 2023CA$2.4bCA$1.1b-CA$4,629,903.0010.5x-524.8x2.1x
Price to Earnings Ratio

-524.8x


Total Market Cap: CA$2.4bTotal Earnings: -CA$4,629,903.00Total Revenue: CA$1.1bTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 12.8x202420252026
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 5.2x which is lower than its 3-year average PE of 12.4x.
  • The 3-year average PS ratio of 2.5x is higher than the industry's current PS ratio of 0.90x.
Past Earnings Growth
  • Total earnings for the Consumer Finance industry have gone up over the last three years, and the industry is now profitable. Revenues have grown 17% per year.
  • This means that more sales are being generated by the industry overall, and subsequently profits are increasing too.

Industry Comparison

How does Canadian Consumer Finance compare with similar industries?

CA Market3.76%
Financials2.48%
Consumer Finance-1.68%
Consumer Finance-1.68%
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
PRL Propel HoldingsCA$18.423.3%
+CA$23.2m		-22.9%PE8.8x
AMT AmeriTrust Financial TechnologiesCA$0.0511.1%
+CA$5.1m		0%PS29.6x
EPF Everyday People FinancialCA$0.474.4%
+CA$2.6m		-48.9%PS0.9x

Latest News

GSY
CA$34.87
goeasy
7D
-8.7%
1Y
-76.8%
CXI
CA$24.53
Currency Exchange International
7D
-2.3%
1Y
19.7%

CXI: Ongoing Share Repurchases Will Support Future Upside Potential

Narrative Update on Currency Exchange International Analysts have nudged their fair value estimate for Currency Exchange International to CA$32.25 from CA$31.97. This reflects updated assumptions around discount rates, revenue, profit margins, and an expected future P/E multiple.
PRL
CA$18.42
Propel Holdings
7D
3.3%
1Y
-22.9%

PRL: Ongoing Dividend Increases And New Funding Commitments Will Support Upside

Narrative Update Analysts have modestly reduced the CA$ fair value estimate for Propel Holdings to about CA$30. This reflects recent cuts to Street price targets to CA$32 and CA$35 as they factor in Q4 and FY26 guidance that trailed expectations alongside ongoing investment in future growth.
INVR
CA$0.26
Inverite Insights
7D
-3.7%
1Y
-13.3%
EPF
CA$0.47
Everyday People Financial
7D
4.4%
1Y
-48.9%

It's Down 32% But Everyday People Financial Corp. (CVE:EPF) Could Be Riskier Than It Looks

Feb 13
It's Down 32% But Everyday People Financial Corp. (CVE:EPF) Could Be Riskier Than It Looks
AMT
CA$0.05
AmeriTrust Financial Technologies
7D
11.1%
1Y
0%