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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedDec 08, 2022
DataAggregated Company Financials
Companies13
  • 7D-1.3%
  • 3M5.3%
  • 1Y-34.6%
  • YTD-35.4%

The Consumer Finance is pretty flat in the last 7 days, but Funding Circle Holdings has stood out, gaining 9.2%. As for the longer term, the industry has declined 34% in the last year. Looking forward, earnings are forecast to grow by 16% annually.

Industry Valuation and Performance

Has the U.K. Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 08 Dec 2022UK£1.6bUK£1.9bUK£258.8m5.9x6.3x0.8x
Sat, 05 Nov 2022UK£1.5bUK£2.0bUK£279.0m5x5.3x0.8x
Mon, 03 Oct 2022UK£1.5bUK£2.0bUK£279.3m4.6x5.2x0.7x
Wed, 31 Aug 2022UK£1.5bUK£2.0bUK£354.2m5.6x4.3x0.8x
Fri, 29 Jul 2022UK£1.5bUK£1.9bUK£423.9m6.1x3.5x0.8x
Sun, 26 Jun 2022UK£11.3bUK£2.9bUK£960.5m10x11.7x3.9x
Tue, 24 May 2022UK£12.0bUK£2.8bUK£929.9m9.5x12.9x4.2x
Thu, 21 Apr 2022UK£14.7bUK£2.8bUK£892.6m10.2x16.5x5.3x
Sat, 19 Mar 2022UK£11.6bUK£2.6bUK£553.3m12.8x21x4.4x
Mon, 14 Feb 2022UK£18.9bUK£2.8bUK£736.3m12.6x25.7x6.9x
Wed, 12 Jan 2022UK£21.7bUK£2.7bUK£737.0m10.1x29.4x7.9x
Fri, 10 Dec 2021UK£29.6bUK£2.7bUK£735.1m10.5x40.2x10.8x
Sun, 07 Nov 2021UK£29.6bUK£2.6bUK£553.4m15.9x53.4x11.3x
Tue, 05 Oct 2021UK£22.9bUK£2.9bUK£741.2m15.1x30.9x7.8x
Thu, 02 Sep 2021UK£24.4bUK£3.1bUK£820.9m18.9x29.7x7.9x
Sat, 31 Jul 2021UK£24.2bUK£3.1bUK£820.9m18.1x29.5x7.8x
Tue, 04 May 2021UK£18.7bUK£2.9bUK£578.4m20.6x32.3x6.5x
Fri, 05 Feb 2021UK£14.2bUK£3.1bUK£332.0m17.1x42.8x4.6x
Mon, 09 Nov 2020UK£10.0bUK£3.1bUK£346.9m10.5x28.9x3.2x
Sun, 02 Aug 2020UK£1.6bUK£2.3b-UK£80,880,241.759.4x-19.7x0.7x
Wed, 06 May 2020UK£2.0bUK£2.8bUK£116.0m7.2x17.2x0.7x
Sat, 08 Feb 2020UK£3.8bUK£3.1bUK£217.0m10.9x17.4x1.2x
Price to Earnings Ratio

17.4x


Total Market Cap: UK£3.8bTotal Earnings: UK£216.8mTotal Revenue: UK£3.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 19.4x20212022
Current Industry PE
  • Investors are pessimistic on the British 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 6.4x which is lower than its 3-year average PE of 19.4x.
  • The 3-year average PS ratio of 4.0x is higher than the industry's current PS ratio of 0.86x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 6.1% per year over the last three years.
  • Meanwhile revenues for these companies have declined 14% per year.
  • This means that less sales are being generated overall, but since cost of doing business is lower, profits have been increasing.

Industry Trends

Which industries have driven the changes within the U.K. Financials industry?

GB Market-0.98%
Financials-1.55%
Consumer Finance-1.28%
Consumer Finance-1.28%
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
FCH Funding Circle HoldingsUK£0.589.2%
+UK£17.3m
-51.6%PE5.9x
AMGO Amigo HoldingsUK£0.054.2%
+UK£947.6k
-19.1%PE0.2x
PCF PCF GroupUK£0.006717.4%
+UK£333.0k
n/aPS0.1x
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Latest News

MCL

UK£0.024

Morses Club

7D

-19.9%

1Y

-95.9%

APP

UK£0.41

Appreciate Group

7D

-1.4%

1Y

85.8%

AMGO

UK£0.05

Amigo Holdings

7D

4.2%

1Y

-19.1%

SUS

UK£21.00

S&U

7D

-3.7%

1Y

-19.5%

RFX

UK£1.93

Ramsdens Holdings

7D

-3.8%

1Y

19.6%

NSF

UK£0.0051

Non-Standard Finance

7D

-24.4%

1Y

-84.3%

FCH

UK£0.58

Funding Circle Holdings

7D

9.2%

1Y

-51.6%

PCF

UK£0.0067

PCF Group

7D

17.4%

1Y

n/a

PFG

UK£1.90

Provident Financial

7D

-3.5%

1Y

-47.2%

IPF

UK£0.76

International Personal Finance

7D

-3.2%

1Y

-42.4%