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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedMay 27, 2025
DataAggregated Company Financials
Companies11
  • 7D-0.2%
  • 3M22.1%
  • 1Y30.1%
  • YTDn/a

Last week, the Consumer Finance industry hasn't moved much but ASA International Group is up 12% in that time. As for the the longer term, the industry is up 30% over the past 12 months. As for the next few years, earnings are expected to grow by 34% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
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
Tue, 15 Nov 2022UK£1.6bUK£2.0bUK£278.4m5.4x5.8x0.8x
Thu, 13 Oct 2022UK£25.4bUK£2.0bUK£279.4m4.8x91x12.9x
Sat, 10 Sep 2022UK£1.5bUK£1.9bUK£327.9m5.6x4.7x0.8x
Mon, 08 Aug 2022UK£1.6bUK£2.0bUK£400.7m5.8x3.9x0.8x
Wed, 06 Jul 2022UK£10.1bUK£2.9bUK£954.3m9.6x10.6x3.5x
Fri, 03 Jun 2022UK£12.1bUK£2.8bUK£917.8m11.2x13.2x4.3x
Price to Earnings Ratio

13.2x


Total Market Cap: UK£12.1bTotal Earnings: UK£917.8mTotal Revenue: UK£2.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 18.1x202320242025
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 50.8x which is higher than its 3-year average PE of 18.1x.
  • The 3-year average PS ratio of 1.8x is higher than the industry's current PS ratio of 0.98x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 66% 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 Comparison

How does U.K. Consumer Finance compare with similar industries?

GB Market0.10%
Financials-0.042%
Consumer Finance-0.24%
Consumer Finance-0.24%
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
0R4W Multitude€6.8812.4%
+€16.4m		15.8%PE7.8x
VANQ Vanquis Banking GroupUK£0.884.8%
+UK£10.2m		52.3%PS0.8x
ASAI ASA International GroupUK£1.631.6%
+UK£2.5m		142.5%PE7.5x
RFX Ramsdens HoldingsUK£2.881.6%
+UK£1.5m		43.8%PE11.2x
AAI Amazing AIUK£0.0450%
UK£340.0k		-93.6%PS101.2x
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0R4W

€6.88

Multitude

7D

12.4%

1Y

15.8%

ASAI

UK£1.63

ASA International Group

7D

1.6%

1Y

142.5%

AAI

UK£0.045

Amazing AI

7D

0%

1Y

-93.6%

RFX

UK£2.88

Ramsdens Holdings

7D

1.6%

1Y

43.8%

HAT

UK£6.46

H&T Group

7D

-0.3%

1Y

63.1%

SUS

UK£14.60

S&U

7D

-2.0%

1Y

-26.8%

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IPF

UK£1.55

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7D

-0.8%

1Y

36.4%

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FCH

UK£1.08

Funding Circle Holdings

7D

-5.3%

1Y

22.3%

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MFX

UK£0.19

Manx Financial Group

7D

-1.3%

1Y

-3.8%

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Apr 29
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VANQ

UK£0.88

Vanquis Banking Group

7D

4.8%

1Y

52.3%