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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedSep 26, 2025
DataAggregated Company Financials
Companies10
  • 7D4.0%
  • 3M11.1%
  • 1Y42.7%
  • YTD38.3%

Over the last 7 days, the Consumer Finance industry has risen 4.0%, driven by gains in International Personal Finance and ASA International Group of 8.5% and 19%, respectively. This means that the industry has gained 43% over the past year. Looking forward, earnings are forecast to grow by 35% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 27 Sep 2025UK£1.9bUK£1.7bUK£92.6m7x20.9x1.2x
Mon, 25 Aug 2025UK£2.0bUK£1.6bUK£72.1m7.4x27.2x1.2x
Wed, 23 Jul 2025UK£2.1bUK£1.9bUK£40.2m9.6x51.6x1.1x
Fri, 20 Jun 2025UK£1.9bUK£1.9bUK£38.0m9.8x51x1x
Sun, 18 May 2025UK£1.9bUK£1.9bUK£32.2m9.8x57.5x1x
Tue, 15 Apr 2025UK£1.5bUK£1.9bUK£31.7m6.6x45.9x0.8x
Thu, 13 Mar 2025UK£1.5bUK£1.9bUK£115.7m7.8x12.7x0.8x
Sat, 08 Feb 2025UK£1.4bUK£1.9bUK£71.2m7x19.9x0.7x
Mon, 06 Jan 2025UK£1.5bUK£1.9bUK£70.6m7.2x20.7x0.8x
Wed, 04 Dec 2024UK£1.3bUK£1.8bUK£61.1m5.8x22x0.7x
Fri, 01 Nov 2024UK£1.4bUK£1.8bUK£48.2m6x28.6x0.8x
Sun, 29 Sep 2024UK£1.5bUK£1.8bUK£46.9m7.7x30.9x0.8x
Tue, 27 Aug 2024UK£1.5bUK£1.8bUK£41.2m7.8x35.4x0.8x
Thu, 25 Jul 2024UK£1.4bUK£1.8bUK£43.3m7.9x32.1x0.8x
Sat, 22 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.7x29.3x0.7x
Mon, 20 May 2024UK£1.3bUK£1.8bUK£43.4m8.2x29.4x0.7x
Wed, 17 Apr 2024UK£1.1bUK£1.8bUK£43.1m6.8x24.8x0.6x
Fri, 15 Mar 2024UK£22.5bUK£6.1bUK£2.0b6.8x11.4x3.7x
Sun, 11 Feb 2024UK£17.9bUK£5.6bUK£1.9b7.3x9.6x3.2x
Tue, 09 Jan 2024UK£20.0bUK£5.8bUK£1.7b8.5x12x3.5x
Thu, 07 Dec 2023UK£19.3bUK£5.8bUK£1.6b8.5x11.7x3.4x
Sat, 04 Nov 2023UK£18.5bUK£5.8bUK£1.6b8x11.4x3.2x
Mon, 02 Oct 2023UK£19.8bUK£5.3bUK£1.4b8x13.7x3.8x
Wed, 30 Aug 2023UK£20.5bUK£5.4bUK£1.5b7.5x13.5x3.8x
Fri, 28 Jul 2023UK£18.0bUK£5.5bUK£1.8b8.6x9.9x3.3x
Sun, 25 Jun 2023UK£16.9bUK£5.1bUK£1.7b8.1x10.2x3.3x
Tue, 23 May 2023UK£16.6bUK£5.1bUK£1.7b9x9.9x3.2x
Thu, 20 Apr 2023UK£16.0bUK£4.6bUK£1.5b8.7x10.8x3.4x
Sat, 18 Mar 2023UK£1.7bUK£2.0bUK£227.8m6.7x7.6x0.9x
Mon, 13 Feb 2023UK£1.8bUK£2.0bUK£263.3m6.2x6.8x0.9x
Wed, 11 Jan 2023UK£1.6bUK£1.9bUK£258.8m6.4x6.4x0.9x
Fri, 09 Dec 2022UK£1.6bUK£1.9bUK£258.8m5.9x6.3x0.8x
Sun, 06 Nov 2022UK£1.5bUK£2.0bUK£279.0m5x5.3x0.8x
Tue, 04 Oct 2022UK£1.5bUK£2.0bUK£279.0m4.7x5.3x0.7x
Price to Earnings Ratio

5.3x


Total Market Cap: UK£1.5bTotal Earnings: UK£279.0mTotal Revenue: UK£2.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 21.8x202320242025
Current Industry PE
  • Investors are relatively neutral on the British Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 21.8x.
  • 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 31% per year over the last three years,
  • Revenues have also declined 5.7% 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-0.056%
Financials-1.07%
Consumer Finance4.02%
Consumer Finance4.02%
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£2.168.1%
+UK£35.5m		44.0%PE6.6x
ASAI ASA International GroupUK£1.9416.2%
+UK£27.0m		176.4%PE6.1x
VANQ Vanquis Banking GroupUK£1.197.0%
+UK£19.9m		97.7%PS1.1x
FCH Funding Circle HoldingsUK£1.231.1%
+UK£4.4m		-5.4%PE46.4x
SUS S&UUK£17.451.5%
+UK£3.0m		5.1%PE11.8x

Latest News

MFX
UK£0.32
Manx Financial Group
7D
-11.4%
1Y
116.9%
IPF
UK£2.16
International Personal Finance
7D
8.1%
1Y
44.0%
ASAI
UK£1.94
ASA International Group
7D
16.2%
1Y
176.4%
AAI
UK£0.015
Amazing AI
7D
3.4%
1Y
-97.0%
FCH
UK£1.23
Funding Circle Holdings
7D
1.1%
1Y
-5.4%

Digital Adoption And AI Will Transform SME Lending

Key Takeaways Widespread digital adoption and advanced AI credit models position the company to attract more small businesses and drive sustained revenue growth. Expanding product offerings and strong recurring revenue from flexible lending solutions reduce risk and support higher, more stable margins.
SUS
UK£17.45
S&U
7D
1.5%
1Y
5.1%

Regulatory Engagements And Supreme Court Ruling Will Secure Resilience

With both the Discount Rate and Future P/E ratio for S&U holding steady, there has been no change in the valuation outlook, resulting in the consensus analyst price target remaining unchanged at £18.50. Valuation Changes Summary of Valuation Changes for S&U The Consensus Analyst Price Target remained effectively unchanged, at £18.50.
AMGO
UK£0.0032
Amigo Holdings
7D
-7.1%
1Y
-45.8%
VANQ
UK£1.19
Vanquis Banking Group
7D
7.0%
1Y
97.7%