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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedJan 17, 2025
DataAggregated Company Financials
Companies11
  • 7D2.1%
  • 3M-10.9%
  • 1Y6.1%
  • YTD-2.4%

Over the last 7 days, the Consumer Finance industry has risen 2.1%, driven by gains from Funding Circle Holdings of 7.8%. In the same time, Multitude was down 10.0%. In the last 12 months, the industry was up 6.1%. Earnings are forecast to grow by 43% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 17 Jan 2025UK£1.4bUK£2.0bUK£71.4m7.2x20.1x0.7x
Sun, 15 Dec 2024UK£1.3bUK£1.8bUK£61.1m5.7x21.7x0.7x
Tue, 12 Nov 2024UK£1.3bUK£1.8bUK£48.3m5.9x27.7x0.7x
Thu, 10 Oct 2024UK£1.4bUK£1.8bUK£48.0m6.6x30.2x0.8x
Sat, 07 Sep 2024UK£1.5bUK£1.8bUK£46.5m7.5x31.5x0.8x
Mon, 05 Aug 2024UK£1.4bUK£1.8bUK£40.7m8.1x34.7x0.8x
Wed, 03 Jul 2024UK£1.3bUK£1.8bUK£43.4m7.7x31x0.7x
Fri, 31 May 2024UK£1.3bUK£1.8bUK£43.4m8.1x30.1x0.7x
Sun, 28 Apr 2024UK£1.2bUK£1.8bUK£43.5m7.7x26.7x0.6x
Tue, 26 Mar 2024UK£23.9bUK£6.1bUK£2.0b6.7x12.2x3.9x
Thu, 22 Feb 2024UK£20.2bUK£5.6bUK£1.8b7.6x11x3.6x
Sat, 20 Jan 2024UK£18.9bUK£5.8bUK£1.7b8.2x11.2x3.2x
Mon, 18 Dec 2023UK£18.1bUK£5.8bUK£1.6b7.9x11x3.1x
Wed, 15 Nov 2023UK£19.2bUK£5.8bUK£1.6b8.1x11.8x3.3x
Fri, 13 Oct 2023UK£19.0bUK£5.3bUK£1.4b8.1x13.1x3.6x
Sun, 10 Sep 2023UK£19.2bUK£5.4bUK£1.5b8x12.8x3.6x
Tue, 08 Aug 2023UK£19.9bUK£5.5bUK£1.6b8x12.6x3.6x
Thu, 06 Jul 2023UK£16.8bUK£5.1bUK£1.7b8.3x10x3.3x
Sat, 03 Jun 2023UK£16.3bUK£5.1bUK£1.7b9x9.8x3.2x
Mon, 01 May 2023UK£17.5bUK£5.1bUK£1.6b8.8x10.7x3.4x
Wed, 29 Mar 2023UK£1.7bUK£2.0bUK£228.3m6.9x7.6x0.9x
Fri, 24 Feb 2023UK£1.7bUK£2.0bUK£263.4m6.3x6.6x0.9x
Sun, 22 Jan 2023UK£1.7bUK£1.9bUK£262.9m6.1x6.3x0.8x
Tue, 20 Dec 2022UK£1.6bUK£1.9bUK£258.8m5.7x6x0.8x
Thu, 17 Nov 2022UK£1.6bUK£2.0bUK£278.2m5.4x5.8x0.8x
Sat, 15 Oct 2022UK£27.3bUK£2.0bUK£279.1m5x97.8x13.8x
Mon, 12 Sep 2022UK£1.5bUK£1.9bUK£327.9m5.6x4.7x0.8x
Wed, 10 Aug 2022UK£1.6bUK£2.0bUK£400.7m6x3.9x0.8x
Fri, 08 Jul 2022UK£10.0bUK£2.9bUK£936.1m9.7x10.7x3.5x
Sun, 05 Jun 2022UK£12.1bUK£2.8bUK£911.4m11.2x13.3x4.3x
Tue, 03 May 2022UK£14.3bUK£2.8bUK£895.9m11.3x16x5.2x
Thu, 31 Mar 2022UK£11.6bUK£2.7bUK£617.0m12.2x18.8x4.3x
Sat, 26 Feb 2022UK£12.4bUK£2.7bUK£692.6m10.7x17.9x4.6x
Mon, 24 Jan 2022UK£20.6bUK£2.7bUK£732.2m11.1x28.1x7.5x
Price to Earnings Ratio

28.1x


Total Market Cap: UK£20.6bTotal Earnings: UK£732.2mTotal Revenue: UK£2.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 15.7x202320242025
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 20.1x which is higher than its 3-year average PE of 15.7x.
  • The 3-year average PS ratio of 2.3x is higher than the industry's current PS ratio of 0.74x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 54% per year over the last three years,
  • Revenues have also declined 11% 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 Market0.96%
Financials2.47%
Consumer Finance2.10%
Consumer Finance2.10%
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
FCH Funding Circle HoldingsUK£1.299.8%
+UK£37.5m		270.7%PS2.2x
SUS S&UUK£14.454.7%
+UK£7.9m		-34.0%PE9.3x
VANQ Vanquis Banking GroupUK£0.486.4%
+UK£7.4m		-58.2%PS0.4x
HAT H&T GroupUK£3.562.9%
+UK£4.3m		-11.0%PE7.1x
RFX Ramsdens HoldingsUK£2.381.3%
+UK£956.9k		16.1%PE9.1x
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Latest News

RFX

UK£2.38

Ramsdens Holdings

7D

1.3%

1Y

16.1%

Ramsdens Holdings (LON:RFX) Is Increasing Its Dividend To £0.076

Jan 17
Ramsdens Holdings (LON:RFX) Is Increasing Its Dividend To £0.076

HAT

UK£3.56

H&T Group

7D

2.9%

1Y

-11.0%

FCH

UK£1.29

Funding Circle Holdings

7D

9.8%

1Y

270.7%

ASAI

UK£0.77

ASA International Group

7D

1.0%

1Y

22.8%

SUS

UK£14.45

S&U

7D

4.7%

1Y

-34.0%

MFX

UK£0.14

Manx Financial Group

7D

-3.6%

1Y

-28.9%

IPF

UK£1.29

International Personal Finance

7D

-0.4%

1Y

12.2%

VANQ

UK£0.48

Vanquis Banking Group

7D

6.4%

1Y

-58.2%