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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedMar 12, 2026
DataAggregated Company Financials
Companies7
  • 7D-43.0%
  • 3M-49.9%
  • 1Y-55.8%
  • YTD-51.5%

Over the last 7 days, the Consumer Finance industry has dropped 43%, driven by goeasy declining 63%. Meanwhile, Everyday People Financial actually outperformed within the industry, gaining 7.0% in the last week. However, the industry is down 56% over the past year. As for the next few years, earnings are forecast to decline by 4.0% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 13 Mar 2026CA$1.9bCA$1.8bCA$331.0m6.5x5.7x1x
Sun, 08 Feb 2026CA$3.4bCA$1.8bCA$341.7m9x10.1x1.9x
Tue, 06 Jan 2026CA$3.4bCA$1.8bCA$326.3m9.8x10.3x1.9x
Thu, 04 Dec 2025CA$3.3bCA$1.8bCA$327.6m10.2x10.2x1.8x
Sat, 01 Nov 2025CA$4.0bCA$1.8bCA$373.8m12.9x10.7x2.2x
Mon, 29 Sep 2025CA$4.3bCA$1.8bCA$373.3m15.2x11.6x2.4x
Wed, 27 Aug 2025CA$5.0bCA$1.8bCA$376.1m15.2x13.2x2.8x
Fri, 25 Jul 2025CA$4.6bCA$1.7bCA$321.8m14.7x14.3x2.7x
Sun, 22 Jun 2025CA$4.2bCA$1.7bCA$322.3m13.9x13.1x2.5x
Tue, 20 May 2025CA$4.0bCA$1.7bCA$323.9m12.9x12.4x2.3x
Thu, 17 Apr 2025CA$3.8bCA$1.7bCA$345.3m14.4x11x2.3x
Sat, 15 Mar 2025CA$3.4bCA$1.7bCA$339.7m26.1x10x2x
Mon, 10 Feb 2025CA$4.5bCA$1.6bCA$335.7m31.4x13.4x2.8x
Wed, 08 Jan 2025CA$4.6bCA$1.6bCA$343.4m18x13.4x2.8x
Fri, 06 Dec 2024CA$4.6bCA$1.6bCA$341.7m18.6x13.3x2.8x
Sun, 03 Nov 2024CA$4.4bCA$1.5bCA$313.9m18.8x14x2.9x
Tue, 01 Oct 2024CA$4.2bCA$1.5bCA$311.9m17x13.5x2.8x
Thu, 29 Aug 2024CA$4.4bCA$1.5bCA$286.4m17.2x15.4x2.9x
Sat, 27 Jul 2024CA$4.4bCA$1.5bCA$270.4m17.7x16.3x3x
Mon, 24 Jun 2024CA$4.2bCA$1.5bCA$269.9m16.2x15.5x2.9x
Wed, 22 May 2024CA$4.1bCA$1.4bCA$270.0m13.3x15x2.8x
Fri, 19 Apr 2024CA$3.9bCA$1.4bCA$228.3m12.6x17.2x2.9x
Sun, 17 Mar 2024CA$3.5bCA$1.4bCA$144.0m12.3x24.6x2.6x
Tue, 13 Feb 2024CA$3.5bCA$1.3bCA$94.5m13.4x37x2.7x
Thu, 11 Jan 2024CA$3.7bCA$1.3bCA$97.0m13.2x37.6x2.9x
Sat, 09 Dec 2023CA$3.4bCA$1.3bCA$97.8m12.2x34.5x2.6x
Mon, 06 Nov 2023CA$2.8bCA$1.2bCA$57.1m8.9x48.4x2.3x
Wed, 04 Oct 2023CA$2.6bCA$1.2bCA$88.7m8.3x28.9x2.1x
Fri, 01 Sep 2023CA$2.9bCA$1.2bCA$83.9m9.5x35x2.4x
Sun, 30 Jul 2023CA$2.9bCA$1.2bCA$15.3m10.8x191.3x2.5x
Tue, 27 Jun 2023CA$2.6bCA$1.2bCA$15.0m9.4x171.3x2.2x
Thu, 25 May 2023CA$2.6bCA$1.2bCA$14.3m9.4x178.2x2.2x
Sat, 22 Apr 2023CA$2.4bCA$1.1b-CA$4,569,974.0010.5x-517.7x2.1x
Mon, 20 Mar 2023CA$2.6bCA$1.1bCA$31.3m11x84.5x2.4x
Price to Earnings Ratio

84.5x


Total Market Cap: CA$2.6bTotal Earnings: CA$31.3mTotal Revenue: CA$1.1bTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 8.3x202420252026
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 5.7x which is lower than its 3-year average PE of 8.4x.
  • The 3-year average PS ratio of 2.5x is higher than the industry's current PS ratio of 1.0x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 119% 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 Market-2.39%
Financials-3.17%
Consumer Finance-43.04%
Consumer Finance-43.04%
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$0.426.3%
+CA$3.2m		-37.5%PS0.8x

Latest News

CXI
CA$26.75
Currency Exchange International
7D
-7.0%
1Y
24.4%
GSY
CA$35.02
goeasy
7D
-68.8%
1Y
-75.2%
ORIO
CA$1.48
Orion Digital
7D
-5.1%
1Y
13.8%
PRL
CA$18.70
Propel Holdings
7D
-11.5%
1Y
-16.0%
INVR
CA$0.27
Inverite Insights
7D
-1.9%
1Y
-11.7%
EPF
CA$0.42
Everyday People Financial
7D
6.3%
1Y
-37.5%

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