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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedDec 11, 2025
DataAggregated Company Financials
Companies10
  • 7D2.3%
  • 3M3.5%
  • 1Y47.4%
  • YTD34.4%

Over the last 7 days, the Consumer Finance industry has risen 2.3%, driven by gains in International Personal Finance and ASA International Group of 5.1% and 13%, respectively. This takes the industry's 12 month performance to a gain of 47%. As for the next few years, earnings are expected to grow by 35% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 11 Dec 2025UK£1.9bUK£1.7bUK£96.1m6.5x19.6x1.1x
Sat, 08 Nov 2025UK£1.8bUK£1.7bUK£95.0m6.6x19.3x1.1x
Mon, 06 Oct 2025UK£1.9bUK£1.7bUK£92.2m7x21.1x1.2x
Wed, 03 Sep 2025UK£1.9bUK£1.6bUK£73.1m6.7x25.7x1.2x
Fri, 01 Aug 2025UK£2.1bUK£1.9bUK£52.0m9x40.2x1.1x
Sun, 29 Jun 2025UK£2.0bUK£1.9bUK£39.9m9.7x50.8x1.1x
Tue, 27 May 2025UK£1.8bUK£1.9bUK£36.4m8.8x50.8x1x
Thu, 24 Apr 2025UK£1.6bUK£1.9bUK£24.8m8.5x62.7x0.8x
Sat, 22 Mar 2025UK£1.6bUK£1.9bUK£22.9m8.2x68.1x0.8x
Mon, 17 Feb 2025UK£1.5bUK£1.9bUK£71.0m6.6x21.6x0.8x
Wed, 15 Jan 2025UK£1.4bUK£1.9bUK£70.9m7.1x19.5x0.7x
Fri, 13 Dec 2024UK£1.3bUK£1.8bUK£61.0m5.8x21.8x0.7x
Sun, 10 Nov 2024UK£1.3bUK£1.8bUK£48.2m5.8x27.6x0.7x
Tue, 08 Oct 2024UK£1.4bUK£1.8bUK£54.6m6.6x26.3x0.8x
Thu, 05 Sep 2024UK£1.4bUK£1.8bUK£41.2m7.8x34.2x0.8x
Sat, 03 Aug 2024UK£1.4bUK£1.8bUK£40.7m8.1x35x0.8x
Mon, 01 Jul 2024UK£1.3bUK£1.8bUK£43.4m7.7x30.3x0.7x
Wed, 29 May 2024UK£1.3bUK£1.8bUK£43.4m8.2x29.7x0.7x
Fri, 26 Apr 2024UK£1.1bUK£1.8bUK£43.5m7.9x26.2x0.6x
Sun, 24 Mar 2024UK£23.9bUK£6.1bUK£2.0b6.7x12.2x3.9x
Tue, 20 Feb 2024UK£19.2bUK£5.6bUK£1.8b7.6x10.4x3.4x
Thu, 18 Jan 2024UK£19.9bUK£5.8bUK£1.7b8.1x11.8x3.4x
Sat, 16 Dec 2023UK£18.1bUK£5.8bUK£1.6b7.9x11x3.1x
Mon, 13 Nov 2023UK£18.5bUK£5.7bUK£1.6b8.2x11.5x3.2x
Wed, 11 Oct 2023UK£19.0bUK£5.3bUK£1.4b8.3x13.2x3.6x
Fri, 08 Sep 2023UK£19.1bUK£5.4bUK£1.5b7.3x12.6x3.6x
Sun, 06 Aug 2023UK£19.4bUK£5.5bUK£1.6b8.3x12.3x3.5x
Tue, 04 Jul 2023UK£17.1bUK£5.1bUK£1.7b8x10.2x3.3x
Thu, 01 Jun 2023UK£17.0bUK£5.1bUK£1.7b9x10.2x3.3x
Sat, 29 Apr 2023UK£17.5bUK£5.1bUK£1.6b8.8x10.7x3.4x
Mon, 27 Mar 2023UK£1.7bUK£2.0bUK£228.2m7.2x7.6x0.9x
Wed, 22 Feb 2023UK£1.8bUK£2.0bUK£263.3m6.3x6.7x0.9x
Fri, 20 Jan 2023UK£1.7bUK£1.9bUK£262.9m6.1x6.3x0.8x
Sun, 18 Dec 2022UK£1.5bUK£1.9bUK£258.8m5.7x5.9x0.8x
Price to Earnings Ratio

5.9x


Total Market Cap: UK£1.5bTotal Earnings: UK£258.8mTotal Revenue: UK£1.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 22.5x202320242025
Current Industry PE
  • Investors are pessimistic on the British Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 19.6x which is lower than its 3-year average PE of 22.5x.
  • The 3-year average PS ratio of 1.7x is higher than the industry's current PS ratio of 1.1x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 28% per year over the last three years,
  • Revenues have also declined 4.9% 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-0.58%
Financials0.88%
Consumer Finance2.27%
Consumer Finance2.27%
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£2.103.4%
+UK£15.3m		61.5%PE6.4x
SUS S&UUK£19.704.8%
+UK£10.9m		34.0%PE12x
FCH Funding Circle HoldingsUK£1.251.5%
+UK£5.7m		-3.2%PE47.2x
RFX Ramsdens HoldingsUK£3.552.9%
+UK£3.2m		59.2%PE11.6x
MFX Manx Financial GroupUK£0.307.1%
+UK£2.4m		103.4%PE3.9x

Latest News

IPF
UK£2.10
International Personal Finance
7D
3.4%
1Y
61.5%
MFX
UK£0.30
Manx Financial Group
7D
7.1%
1Y
103.4%

Is Now The Time To Put Manx Financial Group (LON:MFX) On Your Watchlist?

Dec 09
Is Now The Time To Put Manx Financial Group (LON:MFX) On Your Watchlist?
ASAI
UK£1.99
ASA International Group
7D
-1.7%
1Y
170.1%
ICFG
UK£0.17
ICFG
7D
-10.5%
1Y
n/a
SUS
UK£19.70
S&U
7D
4.8%
1Y
34.0%

SUS: Dividend Increase And Steady Profitability Metrics Will Support Fair Valuation

Analysts have maintained their price target for S&U at £20.18, citing continued confidence in the company's growth outlook and profitability metrics. What's in the News The directors of S&U plc have declared a first interim dividend of 35.0p per share for 2025, an increase from 30.0p per share in 2024 (Key Developments).
0R4W
€6.03
Multitude
7D
-1.3%
1Y
12.7%
AMGO
UK£0.0053
Amigo Holdings
7D
23.5%
1Y
16.7%
VANQ
UK£1.14
Vanquis Banking Group
7D
-0.7%
1Y
140.3%
RFX
UK£3.55
Ramsdens Holdings
7D
2.9%
1Y
59.2%
FCH
UK£1.25
Funding Circle Holdings
7D
1.5%
1Y
-3.2%

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.