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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedDec 18, 2024
DataAggregated Company Financials
Companies10
  • 7D-1.1%
  • 3M-11.0%
  • 1Y2.0%
  • YTD-1.6%

Over the last 7 days, the Consumer Finance industry has dropped 1.1%, and Funding Circle Holdings contributed the most with a 1.2% decline. In contrast, Kaspi.kz has gained 5.4%. Over the last year, the industry has been flat overall. As for the next few years, earnings are expected to grow by 46% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 18 Dec 2024UK£1.3bUK£1.8bUK£61.0m5.7x21.4x0.7x
Fri, 15 Nov 2024UK£1.3bUK£1.8bUK£48.5m6x26.6x0.7x
Sun, 13 Oct 2024UK£1.4bUK£1.8bUK£48.0m6.4x30.1x0.8x
Tue, 10 Sep 2024UK£1.5bUK£1.8bUK£46.5m7.5x32x0.8x
Thu, 08 Aug 2024UK£1.4bUK£1.8bUK£40.8m8.3x34.6x0.8x
Sat, 06 Jul 2024UK£1.3bUK£1.8bUK£43.3m7.7x30.7x0.7x
Mon, 03 Jun 2024UK£1.3bUK£1.8bUK£43.4m8.2x29.7x0.7x
Wed, 01 May 2024UK£1.2bUK£1.8bUK£43.5m7.6x26.6x0.6x
Fri, 29 Mar 2024UK£1.1bUK£1.8bUK£49.2m6.8x21.8x0.6x
Sun, 25 Feb 2024UK£20.8bUK£5.6bUK£1.8b7.3x11.3x3.7x
Tue, 23 Jan 2024UK£18.8bUK£5.9bUK£1.7b8.1x11.1x3.2x
Thu, 21 Dec 2023UK£19.0bUK£5.8bUK£1.7b8.4x11.4x3.3x
Sat, 18 Nov 2023UK£19.3bUK£5.8bUK£1.6b8.6x11.8x3.3x
Mon, 16 Oct 2023UK£18.8bUK£5.3bUK£1.4b8.1x13.1x3.6x
Wed, 13 Sep 2023UK£19.5bUK£5.4bUK£1.5b8.1x13x3.6x
Fri, 11 Aug 2023UK£19.9bUK£5.5bUK£1.6b7.7x12.5x3.6x
Sun, 09 Jul 2023UK£16.3bUK£5.1bUK£1.7b8.2x9.8x3.2x
Tue, 06 Jun 2023UK£16.1bUK£5.1bUK£1.7b8.5x9.6x3.2x
Thu, 04 May 2023UK£16.9bUK£5.1bUK£1.7b8.6x10.2x3.3x
Sat, 01 Apr 2023UK£1.8bUK£2.0bUK£223.1m7.4x7.9x0.9x
Mon, 27 Feb 2023UK£1.7bUK£1.9bUK£255.6m6.3x6.8x0.9x
Wed, 25 Jan 2023UK£1.7bUK£1.9bUK£263.0m6.2x6.4x0.9x
Fri, 23 Dec 2022UK£1.6bUK£1.9bUK£259.0m5.7x6.1x0.8x
Sun, 20 Nov 2022UK£1.6bUK£2.0bUK£278.1m5.4x5.9x0.8x
Tue, 18 Oct 2022UK£1.5bUK£2.0bUK£279.1m5x5.3x0.7x
Thu, 15 Sep 2022UK£1.5bUK£1.9bUK£327.9m5.7x4.6x0.8x
Sat, 13 Aug 2022UK£1.6bUK£2.0bUK£402.2m6.6x4x0.8x
Mon, 11 Jul 2022UK£1.5bUK£1.9bUK£423.9m7x3.6x0.8x
Wed, 08 Jun 2022UK£11.9bUK£2.8bUK£916.2m11.4x13x4.2x
Fri, 06 May 2022UK£13.6bUK£2.8bUK£920.5m11.6x14.8x4.8x
Sun, 03 Apr 2022UK£11.8bUK£2.7bUK£605.2m12.2x19.5x4.4x
Tue, 01 Mar 2022UK£13.5bUK£2.6bUK£665.9m10.8x20.3x5.1x
Thu, 27 Jan 2022UK£19.6bUK£2.7bUK£729.6m11.1x26.9x7.1x
Sat, 25 Dec 2021UK£27.5bUK£2.7bUK£739.1m10.5x37.2x10x
Price to Earnings Ratio

37.2x


Total Market Cap: UK£27.5bTotal Earnings: UK£739.1mTotal Revenue: UK£2.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 16.1x202220232024
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 21.4x 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 0.72x.
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-1.36%
Financials0.042%
Consumer Finance-1.09%
Consumer Finance-1.09%
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
ASAI ASA International GroupUK£0.8111.3%
+UK£8.3m		54.5%PE5.4x
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Latest News

ASAI

UK£0.81

ASA International Group

7D

11.3%

1Y

54.5%

ASA International Group PLC's (LON:ASAI) Shares Leap 29% Yet They're Still Not Telling The Full Story

Dec 18
ASA International Group PLC's (LON:ASAI) Shares Leap 29% Yet They're Still Not Telling The Full Story

SUS

UK£14.10

S&U

7D

-2.4%

1Y

-32.9%

KSPI

US$120.60

Kaspi.kz

7D

5.4%

1Y

59.9%

IPF

UK£1.28

International Personal Finance

7D

-1.5%

1Y

5.3%

FCH

UK£1.25

Funding Circle Holdings

7D

-1.2%

1Y

231.1%

RFX

UK£2.25

Ramsdens Holdings

7D

-1.1%

1Y

9.8%

VANQ

UK£0.46

Vanquis Banking Group

7D

-3.7%

1Y

-62.0%

HAT

UK£3.50

H&T Group

7D

-2.5%

1Y

-14.8%