Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

Canadian (TSX) Consumer Finance Industry Analysis

UpdatedApr 12, 2026
DataAggregated Company Financials
Companies7
  • 7D0.4%
  • 3M-54.1%
  • 1Y-56.3%
  • YTD-53.2%

The Consumer Finance is pretty flat in the last 7 days, but Propel Holdings has stood out, gaining 8.8%. As for the longer term, the industry has declined 56% in the last year. Looking forward, earnings are forecast to grow by 52% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 12 Apr 2026CA$1.6bCA$1.5b-CA$94,316,642.148.6x-16.9x1x
Tue, 10 Mar 2026CA$2.9bCA$1.8bCA$331.0m8x8.7x1.6x
Thu, 05 Feb 2026CA$3.3bCA$1.8bCA$341.8m8.7x9.8x1.9x
Sat, 03 Jan 2026CA$3.4bCA$1.8bCA$326.1m9.9x10.4x1.9x
Mon, 01 Dec 2025CA$3.5bCA$1.8bCA$327.8m10.3x10.8x1.9x
Wed, 29 Oct 2025CA$4.1bCA$1.8bCA$373.3m12.9x11x2.3x
Fri, 26 Sep 2025CA$4.5bCA$1.8bCA$373.3m15.2x12x2.5x
Sun, 24 Aug 2025CA$5.0bCA$1.8bCA$376.0m15x13.2x2.8x
Tue, 22 Jul 2025CA$4.5bCA$1.7bCA$322.0m14.5x14x2.6x
Thu, 19 Jun 2025CA$4.1bCA$1.7bCA$322.1m13.5x12.7x2.4x
Sat, 17 May 2025CA$4.0bCA$1.7bCA$323.9m12.9x12.5x2.3x
Mon, 14 Apr 2025CA$3.7bCA$1.7bCA$345.5m14.2x10.6x2.2x
Wed, 12 Mar 2025CA$3.7bCA$1.6bCA$335.5m26.3x10.9x2.2x
Fri, 07 Feb 2025CA$4.5bCA$1.6bCA$335.8m31.3x13.5x2.8x
Sun, 05 Jan 2025CA$4.5bCA$1.6bCA$343.8m18x13.1x2.8x
Tue, 03 Dec 2024CA$4.6bCA$1.6bCA$341.8m18x13.6x2.9x
Thu, 31 Oct 2024CA$4.4bCA$1.5bCA$313.6m19.3x14x2.9x
Sat, 28 Sep 2024CA$4.3bCA$1.5bCA$286.4m16.8x15x2.8x
Mon, 26 Aug 2024CA$4.4bCA$1.5bCA$286.5m16.7x15.2x2.9x
Wed, 24 Jul 2024CA$4.3bCA$1.5bCA$270.2m17.1x16x3x
Fri, 21 Jun 2024CA$4.2bCA$1.5bCA$269.8m16.5x15.6x2.9x
Sun, 19 May 2024CA$4.1bCA$1.4bCA$269.9m13.3x15x2.8x
Tue, 16 Apr 2024CA$3.9bCA$1.4bCA$228.3m12.9x17.2x2.9x
Thu, 14 Mar 2024CA$3.6bCA$1.1bCA$144.7m11.5x25x3.2x
Sat, 10 Feb 2024CA$3.5bCA$1.3bCA$94.5m13.1x37.2x2.7x
Mon, 08 Jan 2024CA$3.6bCA$1.3bCA$97.0m12.9x37.1x2.8x
Wed, 06 Dec 2023CA$3.2bCA$1.3bCA$97.8m11.5x33.2x2.5x
Fri, 03 Nov 2023CA$2.7bCA$1.2bCA$57.3m9x46.5x2.2x
Sun, 01 Oct 2023CA$2.6bCA$1.2bCA$88.3m8.7x29.2x2.1x
Tue, 29 Aug 2023CA$2.9bCA$1.2bCA$84.2m9.5x34.7x2.4x
Thu, 27 Jul 2023CA$2.9bCA$1.2bCA$15.2m10.5x194x2.5x
Sat, 24 Jun 2023CA$2.6bCA$1.2bCA$15.1m9.5x168.7x2.2x
Mon, 22 May 2023CA$2.6bCA$1.2bCA$32.0m9.6x81.3x2.2x
Wed, 19 Apr 2023CA$2.4bCA$1.1b-CA$4,962,483.0010.6x-487.8x2.1x
Price to Earnings Ratio

-487.8x


Total Market Cap: CA$2.4bTotal Earnings: -CA$4,962,483.00Total Revenue: CA$1.1bTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 17x202420252026
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 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 deteriorated over the last three years.
  • Meanwhile revenues for these companies have grown 10% per year.
  • This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has caused losses to expand.

Industry Trends

Which industries have driven the changes within the Canadian Financials industry?

CA Market2.05%
Financials3.84%
Consumer Finance0.37%
Consumer Finance0.37%
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$20.048.8%
+CA$63.7m		-14.8%PE9.6x
ORIO Orion DigitalCA$1.425.2%
+CA$1.7m		23.5%PS0.8x
CXI Currency Exchange InternationalCA$24.710.7%
+CA$662.6k		23.2%PE7.5x
AMT AmeriTrust Financial TechnologiesCA$0.050%
CA$156.3k		-9.1%PS29.7x

Latest News

INVR
CA$0.25
Inverite Insights
7D
-3.8%
1Y
-7.4%
PRL
CA$20.04
Propel Holdings
7D
8.8%
1Y
-14.8%

PRL: Future Credit Expansion And Rising Dividends Will Support Upside

Analyst price targets for Propel Holdings have been revised down to about CA$32. This move reflects updated views on Q4 results, FY26 guidance, and the company's ongoing investment in future growth.
CXI
CA$24.71
Currency Exchange International
7D
0.7%
1Y
23.2%

CXI: Share Repurchases And Stable Assumptions Will Support Future Upside Potential

Analysts have adjusted their price target for Currency Exchange International to CA$32.25. This reflects updates to discount rate and P/E assumptions while keeping fair value, revenue growth, and profit margin inputs broadly consistent with prior views.
GSY
CA$31.37
goeasy
7D
-10.0%
1Y
-79.1%
ORIO
CA$1.42
Orion Digital
7D
5.2%
1Y
23.5%

ORIO: Rebranding And Share Buybacks Will Support A Stronger Outlook

Analysts have adjusted their CA$ price target for Orion Digital, reflecting revised assumptions for higher revenue growth of 31.52%, stronger profit margins of 10.83%, and a lower forward P/E of 6.82x. What's in the News From October 1, 2025 to December 31, 2025, Orion Digital repurchased 25,000 shares for $0.04 million, bringing total buybacks under the March 23, 2022 program to 1,295,693 shares, or 5.22%, for $2.27 million (Key Developments).
EPF
CA$0.44
Everyday People Financial
7D
-6.4%
1Y
-46.3%

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
0%
1Y
-9.1%