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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedMay 09, 2026
DataAggregated Company Financials
Companies10
  • 7D0.8%
  • 3M-4.3%
  • 1Y41.2%
  • YTD4.7%

Over the last 7 days, the Consumer Finance industry has remained flat, although notably Ramsdens Holdings gained 14%. As for the the longer term, the industry is up 41% over the past 12 months. As for the next few years, earnings are expected to grow by 19% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 10 May 2026UK£2.0bUK£1.8bUK£265.1m8.5x7.7x1.2x
Tue, 07 Apr 2026UK£2.0bUK£1.7bUK£251.6m9.1x8.1x1.2x
Thu, 05 Mar 2026UK£2.1bUK£1.7bUK£213.8m9.8x9.9x1.2x
Sat, 31 Jan 2026UK£2.2bUK£1.7bUK£144.6m7.3x15.3x1.3x
Mon, 29 Dec 2025UK£1.9bUK£1.7bUK£143.1m6.4x13.4x1.2x
Wed, 26 Nov 2025UK£1.8bUK£1.7bUK£94.8m6.2x19.3x1.1x
Fri, 24 Oct 2025UK£1.9bUK£1.7bUK£94.6m6.8x19.6x1.1x
Sun, 21 Sep 2025UK£1.9bUK£1.6bUK£81.1m7.7x22.9x1.1x
Tue, 19 Aug 2025UK£2.0bUK£1.6bUK£69.7m8.2x28.4x1.2x
Thu, 17 Jul 2025UK£2.0bUK£1.9bUK£40.4m9.6x50.7x1.1x
Sat, 14 Jun 2025UK£1.9bUK£1.9bUK£37.8m9.3x50.5x1x
Mon, 12 May 2025UK£1.7bUK£1.9bUK£32.1m9x52.3x0.9x
Wed, 09 Apr 2025UK£1.4bUK£1.9bUK£32.2m6.5x44.6x0.8x
Fri, 07 Mar 2025UK£1.5bUK£1.9bUK£115.8m7.9x12.7x0.8x
Sun, 02 Feb 2025UK£1.5bUK£1.9bUK£71.2m6.9x20.7x0.8x
Tue, 31 Dec 2024UK£1.3bUK£1.8bUK£59.5m6.5x22.4x0.7x
Thu, 28 Nov 2024UK£1.3bUK£1.8bUK£55.2m5.9x24x0.7x
Sat, 26 Oct 2024UK£1.4bUK£1.8bUK£48.1m5.9x29.6x0.8x
Mon, 23 Sep 2024UK£1.4bUK£1.8bUK£46.4m7.5x30.9x0.8x
Wed, 21 Aug 2024UK£1.5bUK£1.8bUK£40.6m8x35.7x0.8x
Fri, 19 Jul 2024UK£1.4bUK£1.8bUK£43.3m8x31.7x0.8x
Sun, 16 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.8x29.2x0.7x
Tue, 14 May 2024UK£1.3bUK£1.8bUK£43.5m7.8x29.2x0.7x
Thu, 11 Apr 2024UK£1.1bUK£1.8bUK£43.0m7x24.8x0.6x
Sat, 09 Mar 2024UK£21.4bUK£6.1bUK£2.0b7.4x10.8x3.5x
Mon, 05 Feb 2024UK£18.8bUK£5.8bUK£1.7b7.7x11.2x3.2x
Wed, 03 Jan 2024UK£19.0bUK£5.8bUK£1.7b8.5x11.3x3.3x
Fri, 01 Dec 2023UK£20.7bUK£5.8bUK£1.7b7.9x12.6x3.6x
Sun, 29 Oct 2023UK£18.6bUK£5.7bUK£1.6b7.7x11.6x3.3x
Tue, 26 Sep 2023UK£19.2bUK£5.3bUK£1.5b8.1x13.1x3.6x
Thu, 24 Aug 2023UK£19.8bUK£5.4bUK£1.5b7.5x12.9x3.7x
Sat, 22 Jul 2023UK£18.0bUK£5.1bUK£1.7b8.4x10.8x3.5x
Mon, 19 Jun 2023UK£17.2bUK£5.1bUK£1.7b8.4x10.3x3.4x
Wed, 17 May 2023UK£17.7bUK£5.1bUK£1.7b8.8x10.7x3.5x
Price to Earnings Ratio

10.7x


Total Market Cap: UK£17.7bTotal Earnings: UK£1.7bTotal Revenue: UK£5.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 23.3x202420252026
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 7.7x which is lower than its 3-year average PE of 23.3x.
  • 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 46% per year over the last three years,
  • Revenues have also declined 30% 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 Market-0.81%
Financials-1.01%
Consumer Finance0.76%
Consumer Finance0.76%
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
RFX Ramsdens HoldingsUK£4.4514.1%
+UK£17.8m		60.1%PE12.1x
VANQ Vanquis Banking GroupUK£1.143.6%
+UK£10.0m		60.8%PE38.1x
SUS S&UUK£20.404.1%
+UK£9.7m		33.8%PE10.5x
AMGO Amigo ResourcesUK£0.039.1%
+UK£3.0m		823.1%PE0.8x
IPF International Personal FinanceUK£2.490.4%
+UK£2.2m		67.7%PE10.1x

Latest News

ASAI
UK£2.05
ASA International Group
7D
-3.3%
1Y
97.1%
RFX
UK£4.45
Ramsdens Holdings
7D
14.1%
1Y
60.1%
IPF
UK£2.49
International Personal Finance
7D
0.4%
1Y
67.7%
AMGO
UK£0.03
Amigo Resources
7D
9.1%
1Y
823.1%
SUS
UK£20.40
S&U
7D
4.1%
1Y
33.8%
Narrative Update • Apr 26

SUS: Higher Second Interim Dividend Will Support Future Upside Potential

Analysts have trimmed their price target on S&U to £24.27 from £24.70, reflecting slightly lower assumptions for revenue growth, profit margins and future P/E, partly offset by a reduced discount rate in their valuation work. What's in the News S&U plc has proposed a second interim dividend of 35 pence per share, compared with 30 pence per share for the prior year.
FCH
UK£1.35
Funding Circle Holdings
7D
-4.8%
1Y
13.4%
0R4W
€6.02
Multitude
7D
-1.6%
1Y
-0.3%
MFX
UK£0.28
Manx Financial Group
7D
3.7%
1Y
55.6%
VANQ
UK£1.14
Vanquis Banking Group
7D
3.6%
1Y
60.8%