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

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 10.4x which is lower than its 3-year average PE of 23.2x. The industry is trading close to its 3-year average PS ratio of 1.5x.

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

There are no additional sub-industries under this industry.

U.K. (FTSE) Consumer Finance Industry Analysis

Date	Market Cap	Revenue	Earnings	PE	Absolute PE	PS
Sun, 09 Aug 2026	UK£1.7b	UK£1.1b	UK£167.3m	9.9x	10.4x	1.6x
Tue, 07 Jul 2026	UK£2.2b	UK£1.9b	UK£222.3m	9.7x	10x	1.2x
Thu, 04 Jun 2026	UK£2.0b	UK£1.8b	UK£259.9m	8.4x	7.7x	1.1x
Sat, 02 May 2026	UK£2.0b	UK£1.8b	UK£265.1m	8.9x	7.7x	1.2x
Mon, 30 Mar 2026	UK£2.0b	UK£1.7b	UK£254.8m	8.9x	7.7x	1.1x
Wed, 25 Feb 2026	UK£2.2b	UK£1.7b	UK£145.0m	7.1x	14.9x	1.3x
Fri, 23 Jan 2026	UK£2.2b	UK£1.7b	UK£145.1m	6.7x	15x	1.3x
Sun, 21 Dec 2025	UK£1.9b	UK£1.7b	UK£49.0m	6.8x	39.4x	1.2x
Tue, 18 Nov 2025	UK£1.9b	UK£1.7b	UK£94.9m	6.8x	19.7x	1.1x
Thu, 16 Oct 2025	UK£1.9b	UK£1.7b	UK£94.4m	6.8x	20.3x	1.2x
Sat, 13 Sep 2025	UK£1.8b	UK£1.6b	UK£80.9m	7x	22.5x	1.1x
Mon, 11 Aug 2025	UK£2.2b	UK£1.9b	UK£92.0m	9.2x	23.6x	1.2x
Wed, 09 Jul 2025	UK£2.0b	UK£1.9b	UK£40.1m	9.7x	51.1x	1.1x
Fri, 06 Jun 2025	UK£1.9b	UK£1.9b	UK£37.8m	9.3x	51.5x	1x
Sun, 04 May 2025	UK£1.6b	UK£1.9b	UK£32.4m	8.5x	50x	0.9x
Tue, 01 Apr 2025	UK£1.5b	UK£1.9b	UK£22.9m	7.9x	66.5x	0.8x
Thu, 27 Feb 2025	UK£1.5b	UK£1.9b	UK£70.8m	7x	21.7x	0.8x
Sat, 25 Jan 2025	UK£1.5b	UK£1.9b	UK£71.1m	6.9x	20.5x	0.7x
Mon, 23 Dec 2024	UK£1.3b	UK£1.8b	UK£61.2m	5.6x	21.2x	0.7x
Wed, 20 Nov 2024	UK£1.3b	UK£1.8b	UK£48.5m	5.8x	26.4x	0.7x
Fri, 18 Oct 2024	UK£1.5b	UK£1.8b	UK£48.1m	6.4x	30.6x	0.8x
Sun, 15 Sep 2024	UK£1.4b	UK£1.8b	UK£46.5m	7.4x	30.9x	0.8x
Tue, 13 Aug 2024	UK£1.4b	UK£1.8b	UK£40.8m	8x	34.7x	0.8x
Thu, 11 Jul 2024	UK£1.3b	UK£1.8b	UK£43.3m	7.7x	31x	0.7x
Sat, 08 Jun 2024	UK£1.3b	UK£1.8b	UK£43.4m	8.1x	29.6x	0.7x
Mon, 06 May 2024	UK£1.2b	UK£1.8b	UK£43.5m	7.8x	27.7x	0.7x
Wed, 03 Apr 2024	UK£1.0b	UK£1.8b	UK£50.4m	6.7x	20.8x	0.6x
Fri, 01 Mar 2024	UK£20.7b	UK£6.0b	UK£2.0b	7.3x	10.5x	3.4x
Sun, 28 Jan 2024	UK£18.7b	UK£5.8b	UK£1.7b	7.9x	11.1x	3.2x
Tue, 26 Dec 2023	UK£19.2b	UK£5.8b	UK£1.7b	8.5x	11.6x	3.3x
Thu, 23 Nov 2023	UK£19.1b	UK£5.8b	UK£1.6b	8x	11.7x	3.3x
Sat, 21 Oct 2023	UK£18.9b	UK£5.3b	UK£1.4b	8x	13.2x	3.6x
Mon, 18 Sep 2023	UK£19.7b	UK£5.3b	UK£1.5b	7.8x	13.3x	3.7x
Wed, 16 Aug 2023	UK£19.1b	UK£5.5b	UK£1.6b	8x	12.3x	3.5x


GB Market	0.89%
Financials	0.032%
Consumer Finance	2.28%
Consumer Finance	2.28%

Company	Last Price	7D	1Y	Valuation
FCH Funding Circle Holdings	UK£2.34	6.1% +UK£39.1m	64.8%	PE14.7x
VANQ Vanquis Banking Group	UK£0.81	4.6% +UK£9.0m	-31.2%	PE29.1x
0R4W Multitude	€5.30	0.8% +€856.5k	-18.7%	PE5.7x

Announcement • Jul 29

Amigo Resources PLC Provides Exploration Update On Musensi Hill Rare Earth Elements Project

Amigo Resources PLC had completed an initial programme of systematic geological mapping, GPS-referenced rock sampling, structural observations, photographic documentation and geochemical screening across the Musensi Hill Rare Earth Elements Project area. Geological mapping has identified multiple rock types interpreted as components of an alkaline-carbonatite complex. Mapped lithologies include calcitic carbonatite, ferruginous carbonatite, carbonatite breccias and fragmental or tuffaceous carbonatite units. Extensive potassium feldspar-rich alteration has been observed in the surrounding granitic rocks and is interpreted as possible fenitisation associated with alkaline magmatic and hydrothermal activity. Geological sampling was completed using GPS-referenced locations, detailed field descriptions and photographic records. Initial analytical work was undertaken by the Geological Survey of Tanzania. The initial laboratory programme comprised major-oxide and selected trace-element XRF screening. Results include elevated potassium, calcium, phosphorus, strontium, rubidium, zirconium, iron and vanadium in selected samples. Several samples returned high strontium values, locally reaching approximately 7,000 ppm. Potassium oxide values of approximately 9% to 11.7% in several samples support the field interpretation of strong potassic alteration. Calcium oxide values of up to approximately 15.1% support the presence of carbonate-rich lithologies. Phosphorus pentoxide values locally reached approximately 7.29%, indicating phosphate enrichment in selected samples. The geological and geochemical information collected to date has been integrated into the Company's first working geological model for Musensi Hill. Priority areas have been identified for specialist REE analysis, mineralogical investigation, geophysical interpretation and future drill-target definition. The initial field programme was undertaken to confirm the distribution of the principal lithologies, document geological relationships and collect representative material for laboratory investigation. The Company's geologists completed systematic traverses across the project area and recorded carbonatite and carbonate-rich rock exposures, potassium feldspar-rich altered granitic rocks, intrusive and brecciated textures, fragmental and tuffaceous lithologies, ferruginous weathering, carbonate veining, structural features and lithological contacts, and variations within the surrounding granitic and granite-gneiss basement. Samples were collected from representative outcrops and assigned location information, geological descriptions and photographic records. The field programme was designed to establish an auditable geological and geochemical database to support future phases of advanced exploration and technical work, including geochemistry, mineralogy, and geophysics. Selected samples were submitted to the Geological Survey of Tanzania for major-oxide and selected trace-element XRF screening. The Company emphasises that this initial analytical programme did not include a complete suite of rare earth elements and cannot be used to infer REE grade, continuity or economic potential. Potassic alteration: Several samples returned potassium oxide values of approximately 9% to 11.7%. These results are consistent with abundant potassium feldspar and support the field interpretation of strong potassic alteration in portions of the granitic host rocks. Carbonate-rich lithologies: Calcium oxide values ranged up to approximately 15.1%, with selected samples returning values of approximately 13.5% to 15.1%. These results support the field classification of carbonate-rich rocks identified during geological mapping, although additional mineralogical, petrographic and whole-rock studies are required to classify individual carbonatite phases conclusively and to determine whether any REE-bearing minerals are present. Phosphate enrichment: Phosphorus pentoxide values of approximately 2% to 3% were recorded in a number of samples, with one result reaching approximately 7.29%. Phosphate enrichment may reflect the presence of apatite or other phosphate minerals commonly associated with alkaline and carbonatite geological environments. Strontium: Several samples returned elevated strontium values, including results of approximately 1,700 ppm, 1,800 ppm, 2,300 ppm, 4,100 ppm, and 7,000 ppm. Elevated strontium is considered an important geochemical indicator in the evaluation of carbonate-rich and alkaline intrusive rocks. Other geochemical observations: Selected samples also returned rubidium values exceeding 500 ppm, zirconium values generally within approximately 400-900 ppm, iron oxide values ranging up to approximately 19%, and vanadium values commonly within approximately 300-600 ppm, with one anomalous result of approximately 2,600 ppm. Gold values for all samples were below the reported detection limit of 0.003 g/t. Gold was not the target of the programme. The combined field and laboratory information supports a working interpretation in which Musensi Hill comprises a multi-phase alkaline-carbonatite system emplaced into older crystalline basement rocks. The principal elements of the current geological model include multiple carbonate-rich intrusive phases, extensive potassium feldspar-rich alteration in the surrounding granitic rocks, carbonatite breccias and fragmental units, structurally controlled emplacement and fluid movement, carbonate veining and hydrothermal alteration, and ferruginous weathering developed over portions of the system. The current work does not establish the presence, grade, continuity or economic recoverability of REE mineralisation. The next phase is expected to include complete REE analysis covering lanthanum through lutetium, together with yttrium, analysis for niobium, tantalum, thorium, uranium, barium and confirmatory strontium, whole-rock fusion ICP-MS or equivalent specialist analysis, petrographic examination and thin-section studies, X-ray diffraction mineral identification, scanning electron microscopy and mineral chemistry, detailed geological and structural mapping, systematic soil and rock geochemistry, quality-assurance and quality-control sampling, integration of geological and geophysical information, three-dimensional geological modelling, and definition of targets for a future first-pass drilling programme. Priority will be given to samples and areas exhibiting coincident carbonate-rich lithologies, phosphate enrichment, elevated strontium, strong potassic alteration, brecciation and favourable structural settings.

U.K. (FTSE) Consumer Finance Industry Analysis

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