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U.K. (FTSE) Consumer Finance Industry Analysis
UpdatedDec 13, 2024
DataAggregated Company Financials
Companies10
- 7D-1.1%
- 3M-7.9%
- 1Y5.4%
- YTD0.4%
Over the last 7 days, the Consumer Finance industry has dropped 1.1%, driven by Funding Circle Holdings declining 4.8%. In contrast, Kaspi.kz has gained 5.4%. This takes the industry's 12 month performance to a gain of 5.4%. Looking forward, earnings are forecast to grow by 46% annually.
Industry Valuation and Performance
Has the U.K. Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 13 Dec 2024 | UK£1.3b | UK£1.8b | UK£61.0m | 5.8x | 21.8x | 0.7x |
| Sun, 10 Nov 2024 | UK£1.3b | UK£1.8b | UK£48.2m | 5.8x | 27.6x | 0.7x |
| Tue, 08 Oct 2024 | UK£1.4b | UK£1.8b | UK£54.6m | 6.6x | 26.3x | 0.8x |
| Thu, 05 Sep 2024 | UK£1.4b | UK£1.8b | UK£41.2m | 7.8x | 34.2x | 0.8x |
| Sat, 03 Aug 2024 | UK£1.4b | UK£1.8b | UK£40.7m | 8.1x | 35x | 0.8x |
| Mon, 01 Jul 2024 | UK£1.3b | UK£1.8b | UK£43.4m | 7.7x | 30.3x | 0.7x |
| Wed, 29 May 2024 | UK£1.3b | UK£1.8b | UK£43.4m | 8.2x | 29.7x | 0.7x |
| Fri, 26 Apr 2024 | UK£1.1b | UK£1.8b | UK£43.5m | 7.9x | 26.2x | 0.6x |
| Sun, 24 Mar 2024 | UK£23.9b | UK£6.1b | UK£2.0b | 6.7x | 12.2x | 3.9x |
| Tue, 20 Feb 2024 | UK£19.2b | UK£5.6b | UK£1.8b | 7.6x | 10.4x | 3.4x |
| Thu, 18 Jan 2024 | UK£19.9b | UK£5.8b | UK£1.7b | 8.1x | 11.8x | 3.4x |
| Sat, 16 Dec 2023 | UK£18.1b | UK£5.8b | UK£1.6b | 7.9x | 11x | 3.1x |
| Mon, 13 Nov 2023 | UK£18.5b | UK£5.7b | UK£1.6b | 8.2x | 11.5x | 3.2x |
| Wed, 11 Oct 2023 | UK£19.0b | UK£5.3b | UK£1.4b | 8.3x | 13.2x | 3.6x |
| Fri, 08 Sep 2023 | UK£19.1b | UK£5.4b | UK£1.5b | 7.3x | 12.6x | 3.6x |
| Sun, 06 Aug 2023 | UK£19.4b | UK£5.5b | UK£1.6b | 8.3x | 12.3x | 3.5x |
| Tue, 04 Jul 2023 | UK£17.1b | UK£5.1b | UK£1.7b | 8x | 10.2x | 3.3x |
| Thu, 01 Jun 2023 | UK£17.0b | UK£5.1b | UK£1.7b | 9x | 10.2x | 3.3x |
| Sat, 29 Apr 2023 | UK£17.5b | UK£5.1b | UK£1.6b | 8.8x | 10.7x | 3.4x |
| Mon, 27 Mar 2023 | UK£1.7b | UK£2.0b | UK£228.2m | 7.2x | 7.6x | 0.9x |
| Wed, 22 Feb 2023 | UK£1.8b | UK£2.0b | UK£263.3m | 6.3x | 6.7x | 0.9x |
| Fri, 20 Jan 2023 | UK£1.7b | UK£1.9b | UK£262.9m | 6.1x | 6.3x | 0.8x |
| Sun, 18 Dec 2022 | UK£1.5b | UK£1.9b | UK£258.8m | 5.7x | 5.9x | 0.8x |
| Tue, 15 Nov 2022 | UK£1.6b | UK£2.0b | UK£278.4m | 5.4x | 5.8x | 0.8x |
| Thu, 13 Oct 2022 | UK£25.4b | UK£2.0b | UK£279.4m | 4.8x | 91x | 12.9x |
| Sat, 10 Sep 2022 | UK£1.5b | UK£1.9b | UK£327.9m | 5.6x | 4.7x | 0.8x |
| Mon, 08 Aug 2022 | UK£1.6b | UK£2.0b | UK£400.7m | 5.8x | 3.9x | 0.8x |
| Wed, 06 Jul 2022 | UK£10.1b | UK£2.9b | UK£954.3m | 9.6x | 10.6x | 3.5x |
| Fri, 03 Jun 2022 | UK£12.1b | UK£2.8b | UK£917.8m | 11.2x | 13.2x | 4.3x |
| Sun, 01 May 2022 | UK£14.3b | UK£2.8b | UK£895.9m | 11.3x | 16x | 5.2x |
| Tue, 29 Mar 2022 | UK£10.8b | UK£2.7b | UK£585.0m | 13x | 18.5x | 4.1x |
| Thu, 24 Feb 2022 | UK£17.4b | UK£2.7b | UK£725.4m | 11.2x | 24x | 6.4x |
| Sat, 22 Jan 2022 | UK£20.6b | UK£2.7b | UK£732.2m | 11.1x | 28.1x | 7.5x |
| Mon, 20 Dec 2021 | UK£27.8b | UK£2.7b | UK£732.4m | 10.1x | 38x | 10.2x |
Price to Earnings Ratio
38x
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 21.8x which is higher than its 3-year average PE of 16.1x.
- The 3-year average PS ratio of 2.6x is higher than the industry's current PS ratio of 0.73x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 56% per year over the last three years,
- Revenues have also declined 13% 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 | -0.37% | |
| Financials | 0.21% | |
| Consumer Finance | -1.13% | |
| Consumer Finance | -1.13% | |
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| KSPI Kaspi.kz | US$120.60 | 5.4% +US$1.2b | 59.9% | PE12.2x | |
| SUS S&U | UK£14.70 | 5.0% +UK£8.5m | -30.0% | PE9.5x | |
| ASAI ASA International Group | UK£0.73 | 5.0% +UK£3.5m | 36.7% | PE4.9x |