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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedNov 17, 2024
DataAggregated Company Financials
Companies10
  • 7D-4.0%
  • 3M-12.4%
  • 1Y-0.8%
  • YTD-3.7%

Over the last 7 days, the Consumer Finance industry has dropped 4.0%, driven by a pullback from S&U of 16%. On the other hand Kaspi.kz is actually up 5.4%. Over the last year, the industry has been flat overall. 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?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 17 Nov 2024UK£1.3bUK£1.8bUK£48.6m5.8x26.3x0.7x
Tue, 15 Oct 2024UK£1.4bUK£1.8bUK£48.0m6.4x30.1x0.8x
Thu, 12 Sep 2024UK£1.4bUK£1.8bUK£46.6m7.5x30.9x0.8x
Sat, 10 Aug 2024UK£1.4bUK£1.8bUK£40.8m8.1x34.9x0.8x
Mon, 08 Jul 2024UK£1.3bUK£1.8bUK£43.3m7.7x30.7x0.7x
Wed, 05 Jun 2024UK£1.3bUK£1.8bUK£43.4m8.1x30.1x0.7x
Fri, 03 May 2024UK£1.2bUK£1.8bUK£43.5m7.7x27.6x0.7x
Sun, 31 Mar 2024UK£1.1bUK£1.8bUK£49.2m6.8x21.7x0.6x
Tue, 27 Feb 2024UK£21.0bUK£5.6bUK£1.8b7x11.3x3.7x
Thu, 25 Jan 2024UK£18.7bUK£5.9bUK£1.7b8x11x3.2x
Sat, 23 Dec 2023UK£19.2bUK£5.8bUK£1.7b8.5x11.6x3.3x
Mon, 20 Nov 2023UK£19.3bUK£5.8bUK£1.6b8.6x11.8x3.3x
Wed, 18 Oct 2023UK£18.9bUK£5.3bUK£1.4b8x13.1x3.6x
Fri, 15 Sep 2023UK£20.0bUK£5.4bUK£1.5b7.9x13.4x3.7x
Sun, 13 Aug 2023UK£20.0bUK£5.5bUK£1.6b7.7x12.7x3.6x
Tue, 11 Jul 2023UK£16.8bUK£5.1bUK£1.7b8.1x10x3.3x
Thu, 08 Jun 2023UK£17.5bUK£5.1bUK£1.7b8.7x10.4x3.4x
Sat, 06 May 2023UK£17.8bUK£5.1bUK£1.7b8.7x10.7x3.4x
Mon, 03 Apr 2023UK£1.8bUK£2.0bUK£201.9m7.9x8.8x0.9x
Wed, 01 Mar 2023UK£1.8bUK£1.9bUK£255.4m6.3x6.9x0.9x
Fri, 27 Jan 2023UK£1.7bUK£1.9bUK£262.9m6.2x6.6x0.9x
Sun, 25 Dec 2022UK£1.6bUK£1.9bUK£259.0m5.8x6.2x0.8x
Tue, 22 Nov 2022UK£1.6bUK£2.0bUK£278.3m5.3x5.8x0.8x
Thu, 20 Oct 2022UK£1.5bUK£2.0bUK£279.1m5.2x5.3x0.7x
Sat, 17 Sep 2022UK£1.5bUK£1.9bUK£267.6m5.8x5.8x0.8x
Mon, 15 Aug 2022UK£1.6bUK£2.0bUK£402.2m6.6x4x0.8x
Wed, 13 Jul 2022UK£1.5bUK£1.9bUK£424.0m6.6x3.6x0.8x
Fri, 10 Jun 2022UK£11.9bUK£3.0bUK£1.0b11.4x11.6x4x
Sun, 08 May 2022UK£13.3bUK£2.8bUK£901.8m11.2x14.8x4.8x
Tue, 05 Apr 2022UK£12.3bUK£2.7bUK£858.8m10.3x14.3x4.5x
Thu, 03 Mar 2022UK£8.7bUK£2.6bUK£657.8m10.6x13.3x3.3x
Sat, 29 Jan 2022UK£19.1bUK£2.7bUK£728.6m11.1x26.2x6.9x
Mon, 27 Dec 2021UK£27.5bUK£2.7bUK£739.1m10.5x37.2x10x
Wed, 24 Nov 2021UK£27.7bUK£2.6bUK£639.4m14.9x43.4x10.5x
Price to Earnings Ratio

43.4x


Total Market Cap: UK£27.7bTotal Earnings: UK£639.4mTotal Revenue: UK£2.6bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 16.6x202220232024
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 26.3x which is higher than its 3-year average PE of 16.6x.
  • The 3-year average PS ratio of 2.9x is higher than the industry's current PS ratio of 0.70x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 58% per year over the last three years,
  • Revenues have also declined 12% 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-0.14%
Financials2.03%
Consumer Finance-4.00%
Consumer Finance-4.00%
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
KSPI Kaspi.kzUS$120.605.4%
+US$1.2b		59.9%PE12.2x
RFX Ramsdens HoldingsUK£2.252.3%
+UK£1.6m		4.7%PE9.2x
MFX Manx Financial GroupUK£0.141.8%
+UK£298.7k		-17.1%PE3x
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Latest News

MFX

UK£0.14

Manx Financial Group

7D

1.8%

1Y

-17.1%

SUS

UK£12.65

S&U

7D

-16.2%

1Y

-45.2%

FCH

UK£1.28

Funding Circle Holdings

7D

-3.8%

1Y

218.0%

KSPI

US$120.60

Kaspi.kz

7D

5.4%

1Y

59.9%

ASAI

UK£0.63

ASA International Group

7D

-9.0%

1Y

115.1%

RFX

UK£2.25

Ramsdens Holdings

7D

2.3%

1Y

4.7%

VANQ

UK£0.39

Vanquis Banking Group

7D

-2.2%

1Y

-66.1%

AMGO

UK£0.0052

Amigo Holdings

7D

-5.5%

1Y

60.0%

HAT

UK£3.70

H&T Group

7D

-0.3%

1Y

-20.1%