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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies10
  • 7D2.7%
  • 3M-1.2%
  • 1Y49.4%
  • YTD36.6%

The Consumer Finance industry is up 2.7% in the last week, with International Personal Finance up 7.0%. In the same time, ASA International Group was down 6.3%. In the last 12 months, the industry was up 53%. Looking forward, earnings are forecast to grow by 33% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025UK£1.9bUK£1.7bUK£48.7m6.7x39.6x1.2x
Fri, 21 Nov 2025UK£1.8bUK£1.7bUK£95.0m6.3x19.3x1.1x
Sun, 19 Oct 2025UK£1.8bUK£1.7bUK£94.3m6.8x19.6x1.1x
Tue, 16 Sep 2025UK£1.8bUK£1.6bUK£80.8m7x22.5x1.1x
Thu, 14 Aug 2025UK£2.2bUK£1.9bUK£91.8m9.6x24.5x1.2x
Sat, 12 Jul 2025UK£2.0bUK£1.9bUK£40.1m9.8x51x1.1x
Mon, 09 Jun 2025UK£1.9bUK£1.9bUK£37.9m9.2x51.5x1x
Wed, 07 May 2025UK£1.6bUK£1.9bUK£32.0m8.6x51.1x0.9x
Fri, 04 Apr 2025UK£1.5bUK£1.9bUK£22.7m7.8x66.7x0.8x
Sun, 02 Mar 2025UK£1.5bUK£1.9bUK£82.9m7.4x18.2x0.8x
Tue, 28 Jan 2025UK£1.5bUK£1.9bUK£71.1m6.8x20.4x0.7x
Thu, 26 Dec 2024UK£1.3bUK£1.8bUK£61.2m5.8x21.7x0.7x
Sat, 23 Nov 2024UK£1.3bUK£1.8bUK£48.7m5.9x26.6x0.7x
Mon, 21 Oct 2024UK£1.5bUK£1.8bUK£48.1m6.4x30.8x0.8x
Wed, 18 Sep 2024UK£1.5bUK£1.8bUK£46.5m7.4x31.3x0.8x
Fri, 16 Aug 2024UK£1.5bUK£1.8bUK£40.7m8.2x36x0.8x
Sun, 14 Jul 2024UK£1.4bUK£1.8bUK£43.2m7.7x31.3x0.8x
Tue, 11 Jun 2024UK£1.3bUK£1.8bUK£43.4m8.1x29.6x0.7x
Thu, 09 May 2024UK£1.2bUK£1.8bUK£43.5m7.8x28.3x0.7x
Sat, 06 Apr 2024UK£1.1bUK£1.8bUK£50.4m6.9x21x0.6x
Mon, 04 Mar 2024UK£21.2bUK£6.0bUK£2.0b7.2x10.7x3.5x
Wed, 31 Jan 2024UK£18.7bUK£5.8bUK£1.7b7.8x11x3.2x
Fri, 29 Dec 2023UK£19.2bUK£5.8bUK£1.7b8.6x11.5x3.3x
Sun, 26 Nov 2023UK£20.0bUK£5.8bUK£1.6b8.2x12.1x3.5x
Tue, 24 Oct 2023UK£18.6bUK£5.3bUK£1.4b7.9x12.9x3.5x
Thu, 21 Sep 2023UK£19.6bUK£5.3bUK£1.5b8.2x13.4x3.7x
Sat, 19 Aug 2023UK£18.7bUK£5.5bUK£1.6b7.6x12.1x3.4x
Mon, 17 Jul 2023UK£18.0bUK£5.1bUK£1.7b8.3x10.7x3.5x
Wed, 14 Jun 2023UK£17.8bUK£5.1bUK£1.7b8.4x10.7x3.5x
Fri, 12 May 2023UK£17.7bUK£5.1bUK£1.7b8.6x10.5x3.5x
Sun, 09 Apr 2023UK£15.4bUK£4.8bUK£1.5b8.9x10.2x3.2x
Tue, 07 Mar 2023UK£1.8bUK£2.0bUK£220.6m7.4x8.2x0.9x
Thu, 02 Feb 2023UK£1.8bUK£1.9bUK£263.0m6.3x6.8x0.9x
Sat, 31 Dec 2022UK£1.6bUK£1.9bUK£259.0m6.1x6.2x0.8x
Price to Earnings Ratio

6.2x


Total Market Cap: UK£1.6bTotal Earnings: UK£259.0mTotal Revenue: UK£1.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 22.8x202320242025
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 39.8x which is higher than its 3-year average PE of 22.7x.
  • 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 43% per year over the last three years,
  • Revenues have also declined 4.9% 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 Market2.11%
Financials3.42%
Consumer Finance2.73%
Consumer Finance2.73%
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
IPF International Personal FinanceUK£2.227.0%
+UK£31.8m		69.1%PE6.7x
FCH Funding Circle HoldingsUK£1.234.8%
+UK£17.7m		-7.7%PE46.3x
VANQ Vanquis Banking GroupUK£1.195.7%
+UK£16.4m		156.5%PS1.1x
RFX Ramsdens HoldingsUK£3.683.7%
+UK£4.2m		63.6%PE12x
AMGO Amigo HoldingsUK£0.0085100.0%
+UK£2.7m		112.5%PE-0.1x

Latest News

ASAI
UK£1.92
ASA International Group
7D
-6.3%
1Y
145.4%
RFX
UK£3.68
Ramsdens Holdings
7D
3.7%
1Y
63.6%
AMGO
UK£0.0085
Amigo Holdings
7D
100.0%
1Y
112.5%
MFX
UK£0.28
Manx Financial Group
7D
-6.7%
1Y
103.6%

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
0R4W
€5.95
Multitude
7D
-1.7%
1Y
21.9%
IPF
UK£2.22
International Personal Finance
7D
7.0%
1Y
69.1%
ICFG
UK£0.15
ICFG
7D
-11.8%
1Y
n/a
VANQ
UK£1.19
Vanquis Banking Group
7D
5.7%
1Y
156.5%
FCH
UK£1.23
Funding Circle Holdings
7D
4.8%
1Y
-7.7%

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