Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedFeb 07, 2026
DataAggregated Company Financials
Companies10
  • 7D-1.4%
  • 3M19.1%
  • 1Y70.4%
  • YTD9.5%

Over the last 7 days, the Consumer Finance industry has dropped 1.4%, driven by Funding Circle Holdings declining 6.8%. On the other hand ASA International Group is actually up 6.7%. Over the past 12 months, the industry was up 70%. Earnings are forecast to grow by 28% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 07 Feb 2026UK£2.2bUK£1.7bUK£144.9m7.2x15.1x1.3x
Mon, 05 Jan 2026UK£2.0bUK£1.7bUK£143.2m6.6x13.9x1.2x
Wed, 03 Dec 2025UK£1.8bUK£1.7bUK£94.7m6.1x19.3x1.1x
Fri, 31 Oct 2025UK£1.9bUK£1.7bUK£95.0m6.7x19.7x1.1x
Sun, 28 Sep 2025UK£1.9bUK£1.7bUK£92.4m7x21x1.2x
Tue, 26 Aug 2025UK£2.0bUK£1.6bUK£72.9m7.1x26.9x1.2x
Thu, 24 Jul 2025UK£2.1bUK£1.9bUK£40.1m9.6x51.5x1.1x
Sat, 21 Jun 2025UK£1.9bUK£1.9bUK£38.0m9.8x51x1x
Mon, 19 May 2025UK£1.9bUK£1.9bUK£32.2m9.8x57.5x1x
Wed, 16 Apr 2025UK£1.5bUK£1.9bUK£30.8m6.7x48.4x0.8x
Fri, 14 Mar 2025UK£1.5bUK£1.9bUK£115.7m7.9x12.7x0.8x
Sun, 09 Feb 2025UK£1.4bUK£1.9bUK£71.2m7x19.9x0.7x
Tue, 07 Jan 2025UK£1.5bUK£1.9bUK£70.5m7x20.8x0.8x
Thu, 05 Dec 2024UK£1.3bUK£1.8bUK£61.0m5.8x22x0.7x
Sat, 02 Nov 2024UK£1.4bUK£1.8bUK£48.2m5.9x28.1x0.7x
Mon, 30 Sep 2024UK£1.4bUK£1.8bUK£46.9m7.7x30.9x0.8x
Wed, 28 Aug 2024UK£1.5bUK£1.8bUK£41.1m7.9x35.6x0.8x
Fri, 26 Jul 2024UK£1.4bUK£1.8bUK£43.3m7.9x31.8x0.8x
Sun, 23 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.7x29.2x0.7x
Tue, 21 May 2024UK£1.3bUK£1.8bUK£43.4m8.2x29.8x0.7x
Thu, 18 Apr 2024UK£1.1bUK£1.8bUK£43.1m6.8x24.7x0.6x
Sat, 16 Mar 2024UK£22.3bUK£6.1bUK£2.0b6.9x11.3x3.7x
Mon, 12 Feb 2024UK£17.9bUK£5.6bUK£1.9b7.3x9.6x3.2x
Wed, 10 Jan 2024UK£19.9bUK£5.8bUK£1.7b8.4x11.9x3.4x
Fri, 08 Dec 2023UK£19.3bUK£5.8bUK£1.6b8.4x11.7x3.3x
Sun, 05 Nov 2023UK£18.5bUK£5.8bUK£1.6b8x11.4x3.2x
Tue, 03 Oct 2023UK£19.8bUK£5.3bUK£1.4b8.1x13.7x3.7x
Thu, 31 Aug 2023UK£20.4bUK£5.4bUK£1.5b7.4x13.4x3.8x
Sat, 29 Jul 2023UK£19.4bUK£5.5bUK£1.6b9.1x11.8x3.5x
Mon, 26 Jun 2023UK£16.9bUK£5.1bUK£1.7b8.1x10.2x3.3x
Wed, 24 May 2023UK£16.5bUK£5.1bUK£1.7b9.2x9.8x3.2x
Fri, 21 Apr 2023UK£16.0bUK£4.8bUK£1.5b8.6x10.8x3.4x
Sun, 19 Mar 2023UK£1.7bUK£2.0bUK£227.8m6.7x7.6x0.9x
Tue, 14 Feb 2023UK£1.8bUK£2.0bUK£263.2m6.2x6.8x0.9x
Price to Earnings Ratio

6.8x


Total Market Cap: UK£1.8bTotal Earnings: UK£263.2mTotal Revenue: UK£2.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 23.2x202420252026
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 15.1x which is lower than its 3-year average PE of 23.2x.
  • The 3-year average PS ratio of 1.7x is higher than the industry's current PS ratio of 1.3x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 18% per year over the last three years,
  • Revenues have also declined 5.0% 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 U.K. Financials industry?

GB Market1.12%
Financials-0.36%
Consumer Finance-1.44%
Consumer Finance-1.44%
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
0R4W Multitude€6.462.7%
+€3.7m		32.5%PE5.9x
MFX Manx Financial GroupUK£0.299.3%
+UK£3.1m		90.3%PE3.9x
SUS S&UUK£23.800.4%
+UK£1.2m		48.3%PE14.5x
VANQ Vanquis Banking GroupUK£1.190.2%
+UK£510.9k		95.1%PS1.1x

Latest News

SUS
UK£23.80
S&U
7D
0.4%
1Y
48.3%
RFX
UK£3.93
Ramsdens Holdings
7D
-6.5%
1Y
60.2%
FCH
UK£1.56
Funding Circle Holdings
7D
-4.2%
1Y
44.4%

SME Finance Data Advantage Will Support Rising Margins And Growing Earnings Power

Catalysts About Funding Circle Holdings Funding Circle Holdings operates a U.K. focused SME finance platform offering term loans, FlexiPay and a cashback credit card to small and medium sized businesses. What are the underlying business or industry changes driving this perspective?
VANQ
UK£1.19
Vanquis Banking Group
7D
0.2%
1Y
95.1%
AMGO
UK£0.019
Amigo Holdings
7D
-25.0%
1Y
316.7%
ASAI
UK£2.28
ASA International Group
7D
-1.3%
1Y
161.3%
0R4W
€6.46
Multitude
7D
2.7%
1Y
32.5%
MFX
UK£0.29
Manx Financial Group
7D
9.3%
1Y
90.3%

Further Upside For Manx Financial Group PLC (LON:MFX) Shares Could Introduce Price Risks After 28% Bounce

Dec 19
Further Upside For Manx Financial Group PLC (LON:MFX) Shares Could Introduce Price Risks After 28% Bounce