Narrative Update • Apr 26

Over the last 7 days, the Consumer Finance industry has remained flat, although notably Ramsdens Holdings gained 14%. As for the the longer term, the industry is up 41% over the past 12 months. As for the next few years, earnings are expected to grow by 19% per annum.
Has the U.K. Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sun, 10 May 2026 | UK£2.0b | UK£1.8b | UK£265.1m | 8.5x | 7.7x | 1.2x |
| Tue, 07 Apr 2026 | UK£2.0b | UK£1.7b | UK£251.6m | 9.1x | 8.1x | 1.2x |
| Thu, 05 Mar 2026 | UK£2.1b | UK£1.7b | UK£213.8m | 9.8x | 9.9x | 1.2x |
| Sat, 31 Jan 2026 | UK£2.2b | UK£1.7b | UK£144.6m | 7.3x | 15.3x | 1.3x |
| Mon, 29 Dec 2025 | UK£1.9b | UK£1.7b | UK£143.1m | 6.4x | 13.4x | 1.2x |
| Wed, 26 Nov 2025 | UK£1.8b | UK£1.7b | UK£94.8m | 6.2x | 19.3x | 1.1x |
| Fri, 24 Oct 2025 | UK£1.9b | UK£1.7b | UK£94.6m | 6.8x | 19.6x | 1.1x |
| Sun, 21 Sep 2025 | UK£1.9b | UK£1.6b | UK£81.1m | 7.7x | 22.9x | 1.1x |
| Tue, 19 Aug 2025 | UK£2.0b | UK£1.6b | UK£69.7m | 8.2x | 28.4x | 1.2x |
| Thu, 17 Jul 2025 | UK£2.0b | UK£1.9b | UK£40.4m | 9.6x | 50.7x | 1.1x |
| Sat, 14 Jun 2025 | UK£1.9b | UK£1.9b | UK£37.8m | 9.3x | 50.5x | 1x |
| Mon, 12 May 2025 | UK£1.7b | UK£1.9b | UK£32.1m | 9x | 52.3x | 0.9x |
| Wed, 09 Apr 2025 | UK£1.4b | UK£1.9b | UK£32.2m | 6.5x | 44.6x | 0.8x |
| Fri, 07 Mar 2025 | UK£1.5b | UK£1.9b | UK£115.8m | 7.9x | 12.7x | 0.8x |
| Sun, 02 Feb 2025 | UK£1.5b | UK£1.9b | UK£71.2m | 6.9x | 20.7x | 0.8x |
| Tue, 31 Dec 2024 | UK£1.3b | UK£1.8b | UK£59.5m | 6.5x | 22.4x | 0.7x |
| Thu, 28 Nov 2024 | UK£1.3b | UK£1.8b | UK£55.2m | 5.9x | 24x | 0.7x |
| Sat, 26 Oct 2024 | UK£1.4b | UK£1.8b | UK£48.1m | 5.9x | 29.6x | 0.8x |
| Mon, 23 Sep 2024 | UK£1.4b | UK£1.8b | UK£46.4m | 7.5x | 30.9x | 0.8x |
| Wed, 21 Aug 2024 | UK£1.5b | UK£1.8b | UK£40.6m | 8x | 35.7x | 0.8x |
| Fri, 19 Jul 2024 | UK£1.4b | UK£1.8b | UK£43.3m | 8x | 31.7x | 0.8x |
| Sun, 16 Jun 2024 | UK£1.3b | UK£1.8b | UK£43.4m | 7.8x | 29.2x | 0.7x |
| Tue, 14 May 2024 | UK£1.3b | UK£1.8b | UK£43.5m | 7.8x | 29.2x | 0.7x |
| Thu, 11 Apr 2024 | UK£1.1b | UK£1.8b | UK£43.0m | 7x | 24.8x | 0.6x |
| Sat, 09 Mar 2024 | UK£21.4b | UK£6.1b | UK£2.0b | 7.4x | 10.8x | 3.5x |
| Mon, 05 Feb 2024 | UK£18.8b | UK£5.8b | UK£1.7b | 7.7x | 11.2x | 3.2x |
| Wed, 03 Jan 2024 | UK£19.0b | UK£5.8b | UK£1.7b | 8.5x | 11.3x | 3.3x |
| Fri, 01 Dec 2023 | UK£20.7b | UK£5.8b | UK£1.7b | 7.9x | 12.6x | 3.6x |
| Sun, 29 Oct 2023 | UK£18.6b | UK£5.7b | UK£1.6b | 7.7x | 11.6x | 3.3x |
| Tue, 26 Sep 2023 | UK£19.2b | UK£5.3b | UK£1.5b | 8.1x | 13.1x | 3.6x |
| Thu, 24 Aug 2023 | UK£19.8b | UK£5.4b | UK£1.5b | 7.5x | 12.9x | 3.7x |
| Sat, 22 Jul 2023 | UK£18.0b | UK£5.1b | UK£1.7b | 8.4x | 10.8x | 3.5x |
| Mon, 19 Jun 2023 | UK£17.2b | UK£5.1b | UK£1.7b | 8.4x | 10.3x | 3.4x |
| Wed, 17 May 2023 | UK£17.7b | UK£5.1b | UK£1.7b | 8.8x | 10.7x | 3.5x |
10.7x
Which industries have driven the changes within the U.K. Financials industry?
| GB Market | -0.81% | |
| Financials | -1.01% | |
| Consumer Finance | 0.76% | |
| Consumer Finance | 0.76% | |
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| RFX Ramsdens Holdings | UK£4.45 | 14.1% +UK£17.8m | 60.1% | PE12.1x | |
| VANQ Vanquis Banking Group | UK£1.14 | 3.6% +UK£10.0m | 60.8% | PE38.1x | |
| SUS S&U | UK£20.40 | 4.1% +UK£9.7m | 33.8% | PE10.5x | |
| AMGO Amigo Resources | UK£0.03 | 9.1% +UK£3.0m | 823.1% | PE0.8x | |
| IPF International Personal Finance | UK£2.49 | 0.4% +UK£2.2m | 67.7% | PE10.1x |