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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedJun 10, 2026
DataAggregated Company Financials
Companies10
  • 7D-0.2%
  • 3M-3.6%
  • 1Y21.4%
  • YTDn/a

Over the last 7 days, the Consumer Finance industry has remained flat, although notably Funding Circle Holdings declined by 3.1%. The past year has been better, since the industry has gained 21% in that time. Looking forward, earnings are forecast to grow by 13% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 10 Jun 2026UK£2.0bUK£1.8bUK£267.9m7.5x7.5x1.1x
Fri, 08 May 2026UK£2.1bUK£1.8bUK£265.2m8.6x7.7x1.2x
Sun, 05 Apr 2026UK£2.0bUK£1.7bUK£251.6m9.1x8.1x1.2x
Tue, 03 Mar 2026UK£2.2bUK£1.7bUK£213.6m10x10.3x1.3x
Thu, 29 Jan 2026UK£2.2bUK£1.7bUK£144.5m6.8x15.3x1.3x
Sat, 27 Dec 2025UK£1.9bUK£1.7bUK£143.1m6.4x13.4x1.2x
Mon, 24 Nov 2025UK£1.8bUK£1.7bUK£94.9m6.2x19.1x1.1x
Wed, 22 Oct 2025UK£1.9bUK£1.7bUK£94.4m6.8x19.8x1.1x
Fri, 19 Sep 2025UK£1.9bUK£1.6bUK£80.9m7.8x23.1x1.1x
Sun, 17 Aug 2025UK£2.0bUK£1.6bUK£69.6m8.2x28.1x1.2x
Tue, 15 Jul 2025UK£2.0bUK£1.9bUK£40.4m9.6x50x1.1x
Thu, 12 Jun 2025UK£2.0bUK£1.9bUK£37.9m9.6x51.8x1x
Sat, 10 May 2025UK£1.7bUK£1.9bUK£32.1m9x52.3x0.9x
Mon, 07 Apr 2025UK£1.4bUK£1.9bUK£32.1m6.5x44.5x0.8x
Wed, 05 Mar 2025UK£1.5bUK£1.9bUK£82.7m7.2x17.7x0.8x
Fri, 31 Jan 2025UK£1.5bUK£1.9bUK£71.1m6.8x20.5x0.7x
Sun, 29 Dec 2024UK£1.3bUK£1.8bUK£61.2m5.9x21.9x0.7x
Tue, 26 Nov 2024UK£1.3bUK£1.8bUK£55.3m5.8x23.7x0.7x
Thu, 24 Oct 2024UK£1.5bUK£1.8bUK£48.2m6.2x30.5x0.8x
Sat, 21 Sep 2024UK£1.4bUK£1.8bUK£46.4m7.5x30.9x0.8x
Mon, 19 Aug 2024UK£1.4bUK£1.8bUK£40.7m8.5x35.6x0.8x
Wed, 17 Jul 2024UK£1.4bUK£1.8bUK£43.3m7.7x31.3x0.8x
Fri, 14 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.7x29.9x0.7x
Sun, 12 May 2024UK£1.3bUK£1.8bUK£43.5m7.8x28.8x0.7x
Tue, 09 Apr 2024UK£1.1bUK£1.8bUK£50.4m6.9x21.4x0.6x
Thu, 07 Mar 2024UK£21.1bUK£6.0bUK£2.0b7.4x10.7x3.5x
Sat, 03 Feb 2024UK£18.8bUK£5.8bUK£1.7b7.7x11.2x3.2x
Mon, 01 Jan 2024UK£18.9bUK£5.8bUK£1.7b8.6x11.3x3.3x
Wed, 29 Nov 2023UK£20.0bUK£5.8bUK£1.6b8.1x12.1x3.5x
Fri, 27 Oct 2023UK£18.7bUK£5.7bUK£1.6b7.7x11.7x3.3x
Sun, 24 Sep 2023UK£19.7bUK£5.3bUK£1.5b8x13.5x3.7x
Tue, 22 Aug 2023UK£18.7bUK£5.4bUK£1.6b7.5x12.1x3.4x
Thu, 20 Jul 2023UK£17.6bUK£5.1bUK£1.7b8.4x10.4x3.4x
Sat, 17 Jun 2023UK£17.2bUK£5.1bUK£1.7b8.4x10.3x3.4x
Price to Earnings Ratio

10.3x


Total Market Cap: UK£17.2bTotal Earnings: UK£1.7bTotal Revenue: UK£5.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 23.2x202420252026
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 7.5x which is lower than its 3-year average PE of 23.2x.
  • The 3-year average PS ratio of 1.6x 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 45% per year over the last three years,
  • Revenues have also declined 29% 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 Market-1.85%
Financials-4.45%
Consumer Finance-0.16%
Consumer Finance-0.16%
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€5.564.1%
+€4.7m		-26.1%PE5.8x
ASAI ASA International GroupUK£1.981.5%
+UK£3.0m		34.7%PE4.6x
VANQ Vanquis Banking GroupUK£1.080.4%
+UK£1.0m		12.5%PE36x
IPF International Personal FinanceUK£2.480%
UK£221.2k		53.1%PE10.2x

Latest News

SUS
UK£19.00
S&U
7D
-1.6%
1Y
26.2%
Narrative Update • Jun 07

SUS: Slightly Lower Risk Profile Will Support Future Upside Potential

Analysts have nudged their fair value estimate for S&U slightly higher from £24.27 to £24.57, reflecting updated assumptions around the discount rate, revenue growth, profit margin and future P/E that they see as better aligned with the company’s current profile. What's in the News No recent news items, periodical coverage or key developments were provided for S&U, so there are currently no specific events to highlight for readers.
RFX
UK£4.55
Ramsdens Holdings
7D
-0.5%
1Y
33.8%
ASAI
UK£1.98
ASA International Group
7D
1.5%
1Y
34.7%
Narrative Update • Jun 03

ASAI: Stronger Margins And Dividend Outlook Will Support Future Earnings Upside

Analysts have lowered their price target on ASA International Group to £3.70. This reflects updated assumptions that include slightly higher discount rates, more conservative revenue expectations, stronger profit margins and a lower future P/E multiple in line with recent cautious sector pricing seen in other stocks.
FCH
UK£1.37
Funding Circle Holdings
7D
-1.3%
1Y
12.3%
Narrative Update • Jun 02

FCH: 2026 Revenue Guidance Will Support Further Share Price Repricing

Analysts have slightly increased their price target on Funding Circle Holdings to £2.19 per share. This change reflects minor model adjustments to the discount rate, revenue growth, profit margin and future P/E assumptions, rather than any major shift in the core outlook.
AMGO
UK£0.024
Amigo Resources
7D
-1.0%
1Y
850.0%
0R4W
€5.56
Multitude
7D
4.1%
1Y
-26.1%
MFX
UK£0.23
Manx Financial Group
7D
-4.1%
1Y
14.6%
IPF
UK£2.48
International Personal Finance
7D
0%
1Y
53.1%
VANQ
UK£1.08
Vanquis Banking Group
7D
0.4%
1Y
12.5%