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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedAug 12, 2025
DataAggregated Company Financials
Companies11
  • 7D2.4%
  • 3M27.4%
  • 1Y43.7%
  • YTD39.2%

In the last week, the Consumer Finance industry is up 5.6%, with Vanquis Banking Group up 12%. This means that the industry has gained 44% over the past year. Earnings are forecast to grow by 36% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 12 Aug 2025UK£2.2bUK£1.9bUK£92.1m9.2x23.5x1.2x
Thu, 10 Jul 2025UK£2.0bUK£1.9bUK£40.1m9.7x50.7x1.1x
Sat, 07 Jun 2025UK£1.9bUK£1.9bUK£37.9m9.2x51.5x1x
Mon, 05 May 2025UK£1.6bUK£1.9bUK£32.2m8.5x50.4x0.9x
Wed, 02 Apr 2025UK£1.5bUK£1.9bUK£22.9m7.9x66.2x0.8x
Fri, 28 Feb 2025UK£1.5bUK£1.9bUK£82.8m7x18.2x0.8x
Sun, 26 Jan 2025UK£1.5bUK£1.9bUK£71.1m6.9x20.4x0.7x
Tue, 24 Dec 2024UK£1.3bUK£1.8bUK£61.3m5.6x21.3x0.7x
Thu, 21 Nov 2024UK£1.3bUK£1.8bUK£48.5m5.9x26.2x0.7x
Sat, 19 Oct 2024UK£1.5bUK£1.8bUK£48.1m6.4x30.8x0.8x
Mon, 16 Sep 2024UK£1.4bUK£1.8bUK£46.5m7.4x30.9x0.8x
Wed, 14 Aug 2024UK£1.4bUK£1.8bUK£40.7m8.2x35.1x0.8x
Fri, 12 Jul 2024UK£1.4bUK£1.8bUK£43.3m7.6x31.3x0.8x
Sun, 09 Jun 2024UK£1.3bUK£1.8bUK£43.4m8.1x29.6x0.7x
Tue, 07 May 2024UK£1.2bUK£1.8bUK£43.5m7.8x27.7x0.7x
Thu, 04 Apr 2024UK£1.1bUK£1.8bUK£50.4m6.7x20.9x0.6x
Sat, 02 Mar 2024UK£21.2bUK£6.0bUK£2.0b7.2x10.7x3.5x
Mon, 29 Jan 2024UK£18.7bUK£5.8bUK£1.7b7.9x11.1x3.2x
Wed, 27 Dec 2023UK£19.2bUK£5.8bUK£1.7b8.5x11.6x3.3x
Fri, 24 Nov 2023UK£20.2bUK£5.8bUK£1.7b8.3x12.3x3.5x
Sun, 22 Oct 2023UK£18.9bUK£5.3bUK£1.4b8x13.2x3.6x
Tue, 19 Sep 2023UK£19.8bUK£5.3bUK£1.5b8.1x13.5x3.7x
Thu, 17 Aug 2023UK£18.9bUK£5.4bUK£1.5b7.9x12.3x3.5x
Sat, 15 Jul 2023UK£18.0bUK£5.1bUK£1.7b8.3x10.7x3.5x
Mon, 12 Jun 2023UK£17.7bUK£5.1bUK£1.7b8.7x10.6x3.5x
Wed, 10 May 2023UK£17.5bUK£5.1bUK£1.7b8.8x10.4x3.4x
Fri, 07 Apr 2023UK£1.7bUK£2.0bUK£201.8m7.9x8.7x0.9x
Sun, 05 Mar 2023UK£1.8bUK£2.0bUK£220.6m7.6x8.3x0.9x
Tue, 31 Jan 2023UK£1.8bUK£1.9bUK£262.9m6.1x6.7x0.9x
Thu, 29 Dec 2022UK£1.6bUK£1.9bUK£259.0m5.7x6.1x0.8x
Sat, 26 Nov 2022UK£1.7bUK£2.0bUK£261.1m5.6x6.3x0.8x
Mon, 24 Oct 2022UK£1.4bUK£2.0bUK£279.2m5.1x5.1x0.7x
Wed, 21 Sep 2022UK£1.5bUK£1.9bUK£267.6m5.5x5.7x0.8x
Fri, 19 Aug 2022UK£1.6bUK£2.0bUK£402.2m6.8x4x0.8x
Price to Earnings Ratio

4x


Total Market Cap: UK£1.6bTotal Earnings: UK£402.2mTotal Revenue: UK£2.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 21x202320242025
Current Industry PE
  • Investors are optimistic on the British Consumer Finance industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 23.6x which is higher than its 3-year average PE of 21.0x.
  • The 3-year average PS ratio of 1.7x is higher than the industry's current PS ratio of 1.2x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 39% per year over the last three years,
  • Revenues have also declined 2.2% 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 Market2.09%
Financials1.52%
Consumer Finance2.38%
Consumer Finance2.38%
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
VANQ Vanquis Banking GroupUK£1.1412.2%
+UK£31.7m		105.4%PS1.1x
FCH Funding Circle HoldingsUK£1.434.4%
+UK£19.0m		42.1%PE1503.4x
RFX Ramsdens HoldingsUK£3.353.1%
+UK£3.2m		55.8%PE11x
MFX Manx Financial GroupUK£0.316.9%
+UK£2.4m		79.7%PE4.6x
ICFG ICFGUK£0.185.9%
+UK£2.0m		n/an/a

Latest News

VANQ
UK£1.14
Vanquis Banking Group
7D
12.2%
1Y
105.4%
IPF
UK£2.11
International Personal Finance
7D
-0.5%
1Y
37.0%
ASAI
UK£1.25
ASA International Group
7D
-3.1%
1Y
30.2%
SUS
UK£18.75
S&U
7D
-1.3%
1Y
1.9%

Fewer Investors Than Expected Jumping On S&U plc (LON:SUS)

Aug 06
Fewer Investors Than Expected Jumping On S&U plc (LON:SUS)
ICFG
UK£0.18
ICFG
7D
5.9%
1Y
n/a
FCH
UK£1.43
Funding Circle Holdings
7D
4.4%
1Y
42.1%

Funding Circle Holdings plc's (LON:FCH) 25% Price Boost Is Out Of Tune With Revenues

Jul 22
Funding Circle Holdings plc's (LON:FCH) 25% Price Boost Is Out Of Tune With Revenues
AAI
UK£0.0097
Amazing AI
7D
25.8%
1Y
-98.1%
MFX
UK£0.31
Manx Financial Group
7D
6.9%
1Y
79.7%

A Piece Of The Puzzle Missing From Manx Financial Group PLC's (LON:MFX) 32% Share Price Climb

Jun 26
A Piece Of The Puzzle Missing From Manx Financial Group PLC's (LON:MFX) 32% Share Price Climb
RFX
UK£3.35
Ramsdens Holdings
7D
3.1%
1Y
55.8%
HAT
UK£6.50
H&T Group
7D
0.3%
1Y
66.7%