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Canadian (TSX) Consumer Finance Industry Analysis

UpdatedNov 03, 2025
DataAggregated Company Financials
Companies6
  • 7D-1.5%
  • 3M-14.6%
  • 1Y-10.4%
  • YTD-9.5%

Over the last 7 days, the Consumer Finance industry has dropped 1.5%, driven by pullbacks in goeasy and Propel Holdings of 1.1% and 2.6%, respectively. Meanwhile, Inverite Insights actually outperformed within the industry, gaining 27% in the last week. Overall the industry is down 10% in 12 months. Looking forward, earnings are forecast to grow by 21% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 03 Nov 2025CA$4.0bCA$1.8bCA$373.8m12.9x10.8x2.3x
Wed, 01 Oct 2025CA$4.3bCA$1.8bCA$373.1m15.2x11.6x2.4x
Fri, 29 Aug 2025CA$5.0bCA$1.8bCA$371.9m15.5x13.5x2.9x
Sun, 27 Jul 2025CA$4.7bCA$1.7bCA$322.1m14.7x14.6x2.7x
Tue, 24 Jun 2025CA$4.3bCA$1.7bCA$322.3m13.9x13.3x2.5x
Thu, 22 May 2025CA$3.9bCA$1.7bCA$323.5m12.2x12.1x2.3x
Sat, 19 Apr 2025CA$3.8bCA$1.7bCA$345.3m14.7x11x2.3x
Mon, 17 Mar 2025CA$3.6bCA$1.7bCA$339.7m26.1x10.6x2.1x
Wed, 12 Feb 2025CA$4.5bCA$1.6bCA$335.7m30.9x13.4x2.8x
Fri, 10 Jan 2025CA$4.6bCA$1.6bCA$343.5m18.2x13.4x2.8x
Sun, 08 Dec 2024CA$4.5bCA$1.6bCA$342.3m18.2x13x2.8x
Tue, 05 Nov 2024CA$4.4bCA$1.5bCA$313.6m18.8x14x2.9x
Thu, 03 Oct 2024CA$4.3bCA$1.5bCA$311.7m16.9x13.7x2.8x
Sat, 31 Aug 2024CA$4.4bCA$1.5bCA$286.4m17.6x15.4x2.9x
Mon, 29 Jul 2024CA$4.5bCA$1.5bCA$270.4m17.7x16.7x3.1x
Wed, 26 Jun 2024CA$4.2bCA$1.5bCA$269.7m16.3x15.5x2.9x
Fri, 24 May 2024CA$4.0bCA$1.5bCA$272.4m14.7x14.6x2.7x
Sun, 21 Apr 2024CA$4.0bCA$1.4bCA$228.2m12.7x17.4x2.9x
Tue, 19 Mar 2024CA$3.6bCA$1.4bCA$144.0m12.3x24.7x2.6x
Thu, 15 Feb 2024CA$3.5bCA$1.5bCA$140.3m11.4x24.6x2.3x
Sat, 13 Jan 2024CA$3.7bCA$1.3bCA$97.1m13.3x37.9x2.9x
Mon, 11 Dec 2023CA$3.5bCA$1.3bCA$97.8m12.2x35.3x2.7x
Wed, 08 Nov 2023CA$2.7bCA$1.2bCA$57.4m9.1x47.7x2.2x
Fri, 06 Oct 2023CA$2.6bCA$1.2bCA$88.8m8.1x28.8x2.1x
Sun, 03 Sep 2023CA$3.0bCA$1.2bCA$109.5m9.6x27.1x2.4x
Tue, 01 Aug 2023CA$3.0bCA$1.2bCA$15.1m10.7x197.2x2.6x
Thu, 29 Jun 2023CA$2.6bCA$1.2bCA$15.3m9.5x170.4x2.2x
Sat, 27 May 2023CA$2.6bCA$1.2bCA$14.4m9.5x179x2.2x
Mon, 24 Apr 2023CA$2.4bCA$1.1b-CA$4,569,974.0010.5x-517.7x2.1x
Wed, 22 Mar 2023CA$2.7bCA$1.1bCA$31.3m11.4x86.4x2.4x
Fri, 17 Feb 2023CA$3.1bCA$1.1bCA$52.0m12x59.9x2.8x
Sun, 15 Jan 2023CA$2.8bCA$1.1bCA$48.9m11.6x57x2.6x
Tue, 13 Dec 2022CA$2.7bCA$1.1bCA$76.3m10.7x35.9x2.6x
Thu, 10 Nov 2022CA$2.7bCA$1.0bCA$106.1m10.5x25.5x2.7x
Price to Earnings Ratio

25.5x


Total Market Cap: CA$2.7bTotal Earnings: CA$106.1mTotal Revenue: CA$1.0bTotal Market Cap vs Earnings and Revenue0%0%0%
Canadian Consumer Finance Industry Price to Earnings3Y Average 13.5x202320242025
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 10.8x which is lower than its 3-year average PE of 13.5x.
  • The 3-year average PS ratio of 2.6x is higher than the industry's current PS ratio of 2.3x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 52% per year over the last three years.
  • Revenues for these companies have grown 21% 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-0.36%
Financials-0.49%
Consumer Finance-1.49%
Consumer Finance-1.49%
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
INVR Inverite InsightsCA$0.3826.7%
+CA$4.1m		81.0%PS18x
CXI Currency Exchange InternationalCA$24.251.2%
+CA$2.2m		-3.0%PE47.3x

Latest News

MOGO
CA$2.20
Mogo
7D
-6.8%
1Y
64.2%
CXI
CA$24.25
Currency Exchange International
7D
1.2%
1Y
-3.0%
GSY
CA$168.65
goeasy
7D
-1.1%
1Y
-2.4%
INVR
CA$0.38
Inverite Insights
7D
26.7%
1Y
81.0%
PRL
CA$25.52
Propel Holdings
7D
-2.6%
1Y
-27.9%

Propel Holdings Inc. (TSE:PRL) Stock's 26% Dive Might Signal An Opportunity But It Requires Some Scrutiny

Oct 18
Propel Holdings Inc. (TSE:PRL) Stock's 26% Dive Might Signal An Opportunity But It Requires Some Scrutiny
EPF
CA$0.70
Everyday People Financial
7D
-1.4%
1Y
70.7%