Narrative Update • Jul 24
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German (DAX) Diversified Financial Industry Analysis
UpdatedJul 25, 2026
DataAggregated Company Financials
Companies20
- 7D2.9%
- 3M-4.5%
- 1Y-24.9%
- YTD-13.9%
Over the last 7 days, the Diversified Financial industry has remained flat, although notably HenriPay Holding gained 4.7%. As for the longer term, the industry has declined 25% in the last year. Looking forward, earnings are forecast to grow by 54% annually.
Industry Valuation and Performance
Has the German Diversified Financial Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sat, 25 Jul 2026 | €6.0b | €1.6b | €79.1m | 14.9x | 76.1x | 3.8x |
| Mon, 22 Jun 2026 | €6.5b | €1.6b | €69.3m | 13.1x | 94.4x | 4.1x |
| Wed, 20 May 2026 | €6.4b | €1.6b | €53.4m | 9.5x | 120.5x | 4.1x |
| Fri, 17 Apr 2026 | €7.0b | €1.5b | -€225,402,422.00 | 10.2x | -31.2x | 4.6x |
| Sun, 15 Mar 2026 | €6.9b | €1.6b | -€221,157,817.00 | 10x | -31x | 4.4x |
| Tue, 10 Feb 2026 | €7.1b | €1.5b | -€164,993,817.00 | 11.5x | -43.2x | 4.6x |
| Thu, 08 Jan 2026 | €7.6b | €1.5b | -€160,149,115.00 | 11.9x | -47.5x | 4.9x |
| Sat, 06 Dec 2025 | €3.7b | €1.5b | -€163,813,148.00 | 11.6x | -22.6x | 2.4x |
| Mon, 03 Nov 2025 | €3.7b | €1.6b | -€151,877,148.00 | 12.7x | -24.4x | 2.4x |
| Wed, 01 Oct 2025 | €3.8b | €1.5b | -€140,456,484.00 | 13.7x | -27.3x | 2.5x |
| Fri, 29 Aug 2025 | €4.1b | €1.6b | -€140,704,566.00 | 17.3x | -28.8x | 2.6x |
| Sun, 27 Jul 2025 | €4.6b | €1.8b | €147.8m | 11.7x | 31.1x | 2.5x |
| Tue, 24 Jun 2025 | €4.3b | €1.8b | €147.3m | 11.2x | 29.4x | 2.4x |
| Thu, 22 May 2025 | €4.6b | €1.8b | €148.9m | 11x | 30.6x | 2.5x |
| Sat, 19 Apr 2025 | €4.1b | €1.8b | €160.3m | 12.1x | 25.4x | 2.3x |
| Mon, 17 Mar 2025 | €3.8b | €1.6b | €166.9m | 12.1x | 22.8x | 2.4x |
| Wed, 12 Feb 2025 | €4.1b | €1.6b | €175.8m | 12x | 23.3x | 2.6x |
| Fri, 10 Jan 2025 | €3.8b | €1.6b | €175.8m | 11x | 21.4x | 2.4x |
| Sun, 08 Dec 2024 | €3.7b | €1.6b | €176.0m | 12.2x | 20.9x | 2.3x |
| Tue, 05 Nov 2024 | €4.0b | €1.5b | €158.3m | 14.1x | 25.3x | 2.6x |
| Thu, 03 Oct 2024 | €7.0b | €2.4b | €267.2m | 15.4x | 26.1x | 2.9x |
| Sat, 31 Aug 2024 | €6.8b | €2.4b | €265.8m | 13.3x | 25.6x | 2.9x |
| Mon, 29 Jul 2024 | €6.3b | €2.3b | €251.9m | 11.8x | 24.9x | 2.8x |
| Wed, 26 Jun 2024 | €6.4b | €2.3b | €252.9m | 11.5x | 25.3x | 2.8x |
| Fri, 24 May 2024 | €6.5b | €2.3b | €254.3m | 11.3x | 25.5x | 2.9x |
| Sun, 21 Apr 2024 | €5.7b | €2.3b | €230.4m | 12.3x | 24.6x | 2.5x |
| Tue, 19 Mar 2024 | €5.6b | €2.3b | €231.2m | 11.4x | 24.4x | 2.5x |
| Thu, 15 Feb 2024 | €5.5b | €2.4b | €354.6m | 10.7x | 15.5x | 2.3x |
| Sat, 13 Jan 2024 | €7.1b | €2.4b | €353.9m | 11.5x | 20.2x | 3x |
| Mon, 11 Dec 2023 | €7.0b | €2.4b | €353.9m | 11.7x | 19.9x | 2.9x |
| Wed, 08 Nov 2023 | €6.7b | €2.4b | €386.0m | 11.6x | 17.4x | 2.8x |
| Fri, 06 Oct 2023 | €5.2b | €2.4b | €386.4m | 11.6x | 13.4x | 2.1x |
| Sun, 03 Sep 2023 | €5.9b | €2.4b | €382.6m | 13.4x | 15.5x | 2.5x |
| Tue, 01 Aug 2023 | €6.2b | €2.5b | €425.4m | 27.8x | 14.5x | 2.5x |
Price to Earnings Ratio
14.5x
Current Industry PE
- Investors are optimistic on the German Diversified Financial industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 72.0x which is higher than its 3-year average PE of 14.2x.
- The 3-year average PS ratio of 3.0x is lower than the industry's current PS ratio of 3.6x.
Past Earnings Growth
- The earnings for companies in the Diversified Financial industry have declined 43% per year over the last three years,
- Revenues have also declined 14% per year.
- This means overall sales from these companies are declining and profits are subsequently falling as well.
Industry Trends
Which industries have driven the changes within the German Financials industry?
| DE Market | 0.48% | |
| Financials | 0.30% | |
| Diversified Financial | 2.94% | |
| Multi-Sector Holdings | 5.59% | |
| Transaction and Payment Processing Services | 4.83% | |
| Specialized Finance | 0.11% | |
| Other Diversified Financial Services | -2.70% | |
Industry PE
- Investors are most optimistic about the Other Diversified Financial Services industry even though it's trading below its 3-year average PE ratio of 39.6x.
- Analysts are expecting annual earnings growth of 16.9%, which is lower than the prior year's growth of 29.5% per year.
Forecasted Growth
- Analysts are most optimistic on the Multi-Sector Holdings industry, expecting annual earnings growth of 74% over the next 5 years.
- However this is lower than its past earnings growth rate of 238% per year.
- In contrast, the Other Diversified Financial Services industry is expected to see its earnings grow by 17% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| 9HF HenriPay Holding | €13.40 | 4.7% +€148.6m | -20.7% | PB5223.8x | |
| CHG CHAPTERS Group | €40.80 | 5.7% +€52.5m | -5.1% | PS5.4x | |
| CSQ0 creditshelf | €36.00 | 56.5% +€18.1m | 299,900.0% | n/a | |
| Z29 029 Group | €43.00 | 7.5% +€15.0m | 44.3% | PB15.7x | |
| VRL Net-Digital | €17.80 | 19.5% +€6.2m | 128.2% | n/a |
