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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedFeb 19, 2025
DataAggregated Company Financials
Companies11
  • 7D-1.6%
  • 3M3.0%
  • 1Y7.3%
  • YTD-3.7%

Over the last 7 days, the Consumer Finance industry has dropped 1.6%, driven by Vanquis Banking Group declining 9.3%. Meanwhile, ASA International Group actually outperformed within the industry, gaining 8.0% in the last week. This takes the industry's 12 month performance to a gain of 7.3%. Earnings are forecast to grow by 40% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 20 Feb 2025UK£1.5bUK£1.9bUK£70.9m6.8x21.4x0.8x
Sat, 18 Jan 2025UK£1.4bUK£2.0bUK£71.5m7.1x20.1x0.7x
Mon, 16 Dec 2024UK£1.3bUK£1.8bUK£61.1m5.7x21.7x0.7x
Wed, 13 Nov 2024UK£1.3bUK£1.8bUK£48.4m5.9x26.9x0.7x
Fri, 11 Oct 2024UK£1.4bUK£1.8bUK£48.0m6.5x30.1x0.8x
Sun, 08 Sep 2024UK£1.5bUK£1.8bUK£46.5m7.5x31.5x0.8x
Tue, 06 Aug 2024UK£1.4bUK£1.8bUK£40.8m7.9x33.3x0.8x
Thu, 04 Jul 2024UK£1.3bUK£1.8bUK£43.4m7.7x30.8x0.7x
Sat, 01 Jun 2024UK£1.3bUK£1.8bUK£43.4m8.2x29.7x0.7x
Mon, 29 Apr 2024UK£1.2bUK£1.8bUK£43.5m7.7x26.7x0.6x
Wed, 27 Mar 2024UK£1.1bUK£1.8bUK£95.2m6.8x11.3x0.6x
Fri, 23 Feb 2024UK£20.2bUK£5.6bUK£1.8b7.5x11x3.6x
Sun, 21 Jan 2024UK£18.9bUK£5.8bUK£1.7b8.2x11.2x3.2x
Tue, 19 Dec 2023UK£18.1bUK£5.8bUK£1.6b7.7x11x3.1x
Thu, 16 Nov 2023UK£19.0bUK£5.8bUK£1.6b8.3x11.6x3.3x
Sat, 14 Oct 2023UK£18.8bUK£5.3bUK£1.4b8.1x13.1x3.6x
Mon, 11 Sep 2023UK£19.2bUK£5.4bUK£1.5b8x12.8x3.6x
Wed, 09 Aug 2023UK£19.8bUK£5.5bUK£1.6b8x12.5x3.6x
Fri, 07 Jul 2023UK£16.4bUK£5.1bUK£1.7b8x9.8x3.2x
Sun, 04 Jun 2023UK£16.3bUK£5.1bUK£1.7b9x9.8x3.2x
Tue, 02 May 2023UK£17.5bUK£5.1bUK£1.6b8.8x10.7x3.4x
Thu, 30 Mar 2023UK£1.8bUK£2.0bUK£223.1m7.3x7.9x0.9x
Sat, 25 Feb 2023UK£1.7bUK£1.9bUK£255.6m6.3x6.8x0.9x
Mon, 23 Jan 2023UK£1.7bUK£1.9bUK£262.9m6.1x6.3x0.8x
Wed, 21 Dec 2022UK£1.5bUK£1.9bUK£258.8m5.5x6x0.8x
Fri, 18 Nov 2022UK£1.6bUK£2.0bUK£278.3m5.3x5.8x0.8x
Sun, 16 Oct 2022UK£1.5bUK£2.0bUK£279.1m5x5.3x0.7x
Tue, 13 Sep 2022UK£1.5bUK£1.9bUK£327.8m5.7x4.7x0.8x
Thu, 11 Aug 2022UK£1.6bUK£2.0bUK£402.1m6.1x4x0.8x
Sat, 09 Jul 2022UK£2.4bUK£3.0bUK£1.1b5.5x2.2x0.8x
Mon, 06 Jun 2022UK£12.1bUK£2.8bUK£911.4m11.2x13.3x4.3x
Wed, 04 May 2022UK£14.5bUK£2.8bUK£900.2m11.4x16.1x5.2x
Fri, 01 Apr 2022UK£11.6bUK£2.7bUK£611.0m12.1x19x4.3x
Sun, 27 Feb 2022UK£13.3bUK£2.7bUK£703.8m11.4x19x5x
Price to Earnings Ratio

19x


Total Market Cap: UK£13.3bTotal Earnings: UK£703.8mTotal Revenue: UK£2.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 15.5x202320242025
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 15.5x.
  • The 3-year average PS ratio of 2.1x is higher than the industry's current PS ratio of 0.78x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 53% per year over the last three years,
  • Revenues have also declined 10% 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-0.17%
Financials1.36%
Consumer Finance-1.60%
Consumer Finance-1.60%
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
ASAI ASA International GroupUK£0.959.1%
+UK£8.0m		61.9%PE6.3x
ICFG ICFGUK£0.537.1%
+UK£7.8m		n/an/a
FCH Funding Circle HoldingsUK£1.080.5%
+UK£1.6m		261.2%PS1.9x
HAT H&T GroupUK£3.400.9%
+UK£1.3m		-8.1%PE6.8x
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Latest News

SUS

UK£15.65

S&U

7D

-3.7%

1Y

-14.5%

ASAI

UK£0.95

ASA International Group

7D

9.1%

1Y

61.9%

FCH

UK£1.08

Funding Circle Holdings

7D

0.5%

1Y

261.2%

RFX

UK£2.43

Ramsdens Holdings

7D

-1.0%

1Y

30.4%

MFX

UK£0.15

Manx Financial Group

7D

-1.7%

1Y

-19.2%

Fewer Investors Than Expected Jumping On Manx Financial Group PLC (LON:MFX)

Jan 31
Fewer Investors Than Expected Jumping On Manx Financial Group PLC (LON:MFX)

VANQ

UK£0.55

Vanquis Banking Group

7D

-14.5%

1Y

-56.7%

HAT

UK£3.40

H&T Group

7D

0.9%

1Y

-8.1%

IPF

UK£1.22

International Personal Finance

7D

-4.0%

1Y

3.8%

AMGO

UK£0.0037

Amigo Holdings

7D

-16.7%

1Y

66.7%