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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedMar 24, 2026
DataAggregated Company Financials
Companies10
  • 7D-3.3%
  • 3M2.6%
  • 1Y42.4%
  • YTD-0.6%

Over the last 7 days, the Consumer Finance industry has dropped 3.3%, driven by declines in ASA International Group and S&U of 10.0% and 7.3%, respectively. In contrast, Amigo Resources has gained 5.1%. Over the past 12 months, the industry was up 42%. As for the next few years, earnings are expected to grow by 20% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 25 Mar 2026UK£2.0bUK£1.7bUK£254.5m9x7.8x1.1x
Fri, 20 Feb 2026UK£2.2bUK£1.7bUK£145.2m7.1x15.1x1.3x
Sun, 18 Jan 2026UK£2.0bUK£1.7bUK£145.4m6.6x14x1.2x
Tue, 16 Dec 2025UK£1.9bUK£1.7bUK£96.0m6.3x19.7x1.1x
Thu, 13 Nov 2025UK£1.9bUK£1.7bUK£95.1m6.7x19.7x1.1x
Sat, 11 Oct 2025UK£1.9bUK£1.7bUK£94.5m6.6x20.2x1.1x
Mon, 08 Sep 2025UK£1.8bUK£1.6bUK£81.0m6.9x22.8x1.1x
Wed, 06 Aug 2025UK£2.1bUK£1.9bUK£51.9m9.1x40.8x1.1x
Fri, 04 Jul 2025UK£2.1bUK£1.9bUK£40.0m9.5x51.3x1.1x
Sun, 01 Jun 2025UK£1.9bUK£1.9bUK£36.4m9.1x51.3x1x
Tue, 29 Apr 2025UK£1.6bUK£1.9bUK£31.6m8.5x50.1x0.8x
Thu, 27 Mar 2025UK£1.6bUK£1.9bUK£22.9m8.1x68.5x0.8x
Sat, 22 Feb 2025UK£1.5bUK£1.9bUK£70.9m7x21.5x0.8x
Mon, 20 Jan 2025UK£1.4bUK£2.0bUK£71.5m7.1x20.1x0.7x
Wed, 18 Dec 2024UK£1.3bUK£1.8bUK£61.0m5.7x21.4x0.7x
Fri, 15 Nov 2024UK£1.3bUK£1.8bUK£48.5m6x26.6x0.7x
Sun, 13 Oct 2024UK£1.4bUK£1.8bUK£48.0m6.4x30.1x0.8x
Tue, 10 Sep 2024UK£1.5bUK£1.8bUK£46.5m7.5x32x0.8x
Thu, 08 Aug 2024UK£1.4bUK£1.8bUK£40.8m8.3x34.6x0.8x
Sat, 06 Jul 2024UK£1.3bUK£1.8bUK£43.3m7.7x30.7x0.7x
Mon, 03 Jun 2024UK£1.3bUK£1.8bUK£43.4m8.2x29.7x0.7x
Wed, 01 May 2024UK£1.2bUK£1.8bUK£43.5m7.6x26.6x0.6x
Fri, 29 Mar 2024UK£1.1bUK£1.8bUK£49.2m6.8x21.8x0.6x
Sun, 25 Feb 2024UK£20.8bUK£5.6bUK£1.8b7.3x11.3x3.7x
Tue, 23 Jan 2024UK£18.8bUK£5.9bUK£1.7b8.1x11.1x3.2x
Thu, 21 Dec 2023UK£19.0bUK£5.8bUK£1.7b8.4x11.4x3.3x
Sat, 18 Nov 2023UK£19.3bUK£5.8bUK£1.6b8.6x11.8x3.3x
Mon, 16 Oct 2023UK£18.8bUK£5.3bUK£1.4b8.1x13.1x3.6x
Wed, 13 Sep 2023UK£19.5bUK£5.4bUK£1.5b8.1x13x3.6x
Fri, 11 Aug 2023UK£19.9bUK£5.5bUK£1.6b7.7x12.5x3.6x
Sun, 09 Jul 2023UK£16.3bUK£5.1bUK£1.7b8.2x9.8x3.2x
Tue, 06 Jun 2023UK£16.1bUK£5.1bUK£1.7b8.5x9.6x3.2x
Thu, 04 May 2023UK£16.9bUK£5.1bUK£1.7b8.6x10.2x3.3x
Sat, 01 Apr 2023UK£1.8bUK£2.0bUK£223.1m7.4x7.9x0.9x
Price to Earnings Ratio

7.9x


Total Market Cap: UK£1.8bTotal Earnings: UK£223.1mTotal Revenue: UK£2.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 23.4x202420252026
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 7.8x which is lower than its 3-year average PE of 23.4x.
  • The 3-year average PS ratio of 1.7x is higher than the industry's current PS ratio of 1.1x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 4.5% per year over the last three years.
  • Meanwhile revenues for these companies have declined 4.6% 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-4.09%
Financials-2.58%
Consumer Finance-3.27%
Consumer Finance-3.27%
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
AMGO Amigo ResourcesUK£0.0295.1%
+UK£1.5m		725.7%PE0.7x

Latest News

FCH
UK£1.30
Funding Circle Holdings
7D
-2.0%
1Y
10.0%

FCH: Index Inclusions And 2026 Revenue Guidance Will Drive Bullish Repricing

Analysts have lifted their price target for Funding Circle Holdings from £1.87 to £2.18, reflecting updated views on fair value, discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News Funding Circle upgraded earnings guidance for 2026, with revenue now guided at around £235 million, compared with earlier guidance of more than £200 million (corporate guidance).
RFX
UK£3.55
Ramsdens Holdings
7D
-2.7%
1Y
61.4%
0R4W
€5.69
Multitude
7D
-9.1%
1Y
17.3%
SUS
UK£18.35
S&U
7D
-7.3%
1Y
28.8%

SUS: Higher Second Interim Dividend Will Support Future Upside Potential

Analysts have kept their £24.70 price target for S&U unchanged, citing steady assumptions on fair value, growth and profitability, with only minor tweaks to the discount rate and future P/E that support a broadly consistent outlook. What's in the News S&U plc proposed a second interim dividend of 35 pence per share, compared with 30 pence per share for the prior year.
ASAI
UK£1.86
ASA International Group
7D
-10.0%
1Y
118.9%

ASAI: Higher 2025 Profit Guidance Will Support Bullish Earnings Re Rating

Analysts have revised their fair value estimate for ASA International Group to £3.06 from £2.85, reflecting updated assumptions on revenue growth, profit margins and the P/E multiple applied to future earnings. What's in the News ASA International Group issued preliminary unaudited earnings guidance for fiscal 2025, with expected net profit of about US$57 million compared with US$28.5 million for 2024, linked to execution of the Group's growth agenda (Key Developments).
AMGO
UK£0.029
Amigo Resources
7D
5.1%
1Y
725.7%
MFX
UK£0.22
Manx Financial Group
7D
-8.3%
1Y
54.4%
ICFG
UK£0.15
ICFG
7D
-12.4%
1Y
-61.6%
VANQ
UK£1.07
Vanquis Banking Group
7D
-2.9%
1Y
77.4%