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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedJan 30, 2026
DataAggregated Company Financials
Companies6
  • 7D-2.0%
  • 3M-19.0%
  • 1Y-33.8%
  • YTD-2.9%

Over the last 7 days, the Consumer Finance industry has dropped 2.0%, driven by goeasy declining 3.2%. In contrast, Currency Exchange International has gained 12%. However, the industry is down 34% over the past year. Earnings are forecast to grow by 25% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 30 Jan 2026CA$3.3bCA$1.8bCA$340.4m8.4x9.8x1.9x
Sun, 28 Dec 2025CA$3.4bCA$1.8bCA$325.7m10.1x10.4x1.9x
Tue, 25 Nov 2025CA$3.1bCA$1.8bCA$331.7m9.3x9.4x1.7x
Thu, 23 Oct 2025CA$3.9bCA$1.8bCA$373.6m12.9x10.4x2.2x
Sat, 20 Sep 2025CA$5.0bCA$1.8bCA$372.3m16.4x13.4x2.8x
Mon, 18 Aug 2025CA$4.9bCA$1.8bCA$376.0m14.2x13x2.8x
Wed, 16 Jul 2025CA$4.5bCA$1.7bCA$322.2m14.2x14x2.6x
Fri, 13 Jun 2025CA$4.1bCA$1.7bCA$322.0m13.1x12.7x2.4x
Sun, 11 May 2025CA$3.9bCA$1.7bCA$323.6m13.3x12x2.3x
Tue, 08 Apr 2025CA$3.5bCA$1.7bCA$341.0m24.9x10.1x2.1x
Thu, 06 Mar 2025CA$3.9bCA$1.6bCA$335.2m27.8x11.6x2.4x
Sat, 01 Feb 2025CA$5.0bCA$1.6bCA$336.8m31.2x14.7x3x
Mon, 30 Dec 2024CA$4.4bCA$1.6bCA$343.7m18.3x12.8x2.7x
Wed, 27 Nov 2024CA$4.6bCA$1.6bCA$341.9m17.7x13.4x2.9x
Fri, 25 Oct 2024CA$4.1bCA$1.5bCA$313.4m17.9x13.2x2.7x
Sun, 22 Sep 2024CA$4.4bCA$1.5bCA$286.6m17.9x15.3x2.9x
Tue, 20 Aug 2024CA$4.3bCA$1.5bCA$287.1m16.1x14.9x2.8x
Thu, 18 Jul 2024CA$4.3bCA$1.5bCA$269.8m16.8x15.9x2.9x
Sat, 15 Jun 2024CA$4.2bCA$1.5bCA$270.0m16.6x15.5x2.9x
Mon, 13 May 2024CA$4.2bCA$1.4bCA$267.5m13.1x15.8x3x
Wed, 10 Apr 2024CA$3.8bCA$1.4bCA$227.6m12.5x16.7x2.8x
Fri, 08 Mar 2024CA$3.6bCA$1.3bCA$140.0m11.4x25.6x2.7x
Sun, 04 Feb 2024CA$3.7bCA$1.3bCA$94.5m12.8x39x2.9x
Tue, 02 Jan 2024CA$3.6bCA$1.3bCA$96.6m13x37.6x2.9x
Thu, 30 Nov 2023CA$3.1bCA$1.3bCA$97.7m11x31.4x2.4x
Sat, 28 Oct 2023CA$2.6bCA$1.2bCA$57.8m8.7x44.7x2.1x
Mon, 25 Sep 2023CA$2.6bCA$1.2bCA$88.0m9.1x29.9x2.2x
Wed, 23 Aug 2023CA$2.9bCA$1.2bCA$84.1m9.4x34.7x2.4x
Fri, 21 Jul 2023CA$2.9bCA$1.2bCA$15.1m10.8x192.9x2.5x
Sun, 18 Jun 2023CA$2.6bCA$1.2bCA$16.5m9.5x159x2.2x
Tue, 16 May 2023CA$2.7bCA$1.2bCA$31.9m9.7x83.4x2.3x
Thu, 13 Apr 2023CA$2.4bCA$1.1b-CA$4,828,317.0010.7x-507.2x2.2x
Sat, 11 Mar 2023CA$2.8bCA$1.1bCA$31.4m11.7x88.3x2.5x
Mon, 06 Feb 2023CA$3.1bCA$1.1bCA$52.6m11.9x58.6x2.8x
Price to Earnings Ratio

58.6x


Total Market Cap: CA$3.1bTotal Earnings: CA$52.6mTotal Revenue: CA$1.1bTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 11x202420252026
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 9.8x which is lower than its 3-year average PE of 11.0x.
  • 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 86% 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-0.049%
Financials-1.53%
Consumer Finance-1.96%
Consumer Finance-1.96%
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
CXI Currency Exchange InternationalCA$25.7411.9%
+CA$16.5m		15.7%PE8.2x
ORIO Orion DigitalCA$1.786.0%
+CA$2.4m		-8.2%PE5.6x

Latest News

CXI
CA$25.74
Currency Exchange International
7D
11.9%
1Y
15.7%

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$1.78
Orion Digital
7D
6.0%
1Y
-8.2%
PRL
CA$24.10
Propel Holdings
7D
-0.9%
1Y
-40.7%

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.
GSY
CA$125.46
goeasy
7D
-3.2%
1Y
-31.9%

GSY: Share Buybacks Will Support Returns Despite Lower Street Expectations

goeasy's analyst price target has been revised from C$171 to C$153 as analysts adjust their outlook, referencing recent target reductions from C$194 to C$156 and from C$265 to C$245, along with updated assumptions for revenue growth, profit margins, discount rate and future P/E. Analyst Commentary Recent research updates point to a more cautious tone around goeasy, with price targets reset lower even as existing ratings remain unchanged.
EPF
CA$0.57
Everyday People Financial
7D
-9.5%
1Y
-43.0%

Everyday People Financial Corp. (CVE:EPF) Could Be Riskier Than It Looks

Dec 18
Everyday People Financial Corp. (CVE:EPF) Could Be Riskier Than It Looks
INVR
CA$0.25
Inverite Insights
7D
-16.7%
1Y
-7.4%