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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedMar 17, 2024
DataAggregated Company Financials
Companies11
  • 7D3.9%
  • 3M17.3%
  • 1Y44.3%
  • YTDn/a

The Consumer Finance industry is up 3.9% in the last week, with Kaspi.kz up 5.1%. During this same period, the Vanquis Banking Group underperformed, falling 60%. In the last 12 months, the industry was up 44%. Earnings are forecast to grow by 18% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 17 Mar 2024UK£22.3bUK£6.1bUK£2.0b6.9x11.3x3.7x
Tue, 13 Feb 2024UK£17.7bUK£5.6bUK£1.8b7.6x9.6x3.2x
Thu, 11 Jan 2024UK£20.2bUK£5.8bUK£1.7b8.4x12.1x3.5x
Sat, 09 Dec 2023UK£19.2bUK£5.8bUK£1.6b8.4x11.7x3.3x
Mon, 06 Nov 2023UK£18.5bUK£5.8bUK£1.6b8x11.4x3.2x
Wed, 04 Oct 2023UK£19.9bUK£5.3bUK£1.4b8.3x13.7x3.8x
Fri, 01 Sep 2023UK£20.8bUK£5.4bUK£1.5b7.3x13.5x3.8x
Sun, 30 Jul 2023UK£19.4bUK£5.4bUK£1.6b8.3x12.1x3.6x
Tue, 27 Jun 2023UK£16.8bUK£5.1bUK£1.7b8.1x10.1x3.3x
Thu, 25 May 2023UK£16.7bUK£5.1bUK£1.7b9.2x10x3.3x
Sat, 22 Apr 2023UK£16.0bUK£4.8bUK£1.5b8.6x10.7x3.3x
Mon, 20 Mar 2023UK£1.7bUK£2.0bUK£227.8m6.7x7.6x0.9x
Wed, 15 Feb 2023UK£1.8bUK£2.0bUK£263.2m6.2x6.7x0.9x
Fri, 13 Jan 2023UK£1.7bUK£1.9bUK£258.8m6.4x6.4x0.9x
Sun, 11 Dec 2022UK£1.6bUK£1.9bUK£258.6m6x6.3x0.8x
Tue, 08 Nov 2022UK£1.5bUK£2.0bUK£278.8m5.1x5.5x0.8x
Thu, 06 Oct 2022UK£1.5bUK£2.0bUK£279.1m4.8x5.4x0.8x
Sat, 03 Sep 2022UK£1.5bUK£2.0bUK£354.2m5.4x4.1x0.7x
Mon, 01 Aug 2022UK£1.5bUK£2.0bUK£400.6m5.9x3.8x0.8x
Wed, 29 Jun 2022UK£11.1bUK£2.9bUK£971.3m10x11.4x3.8x
Fri, 27 May 2022UK£11.9bUK£2.8bUK£938.0m7.5x12.7x4.2x
Sun, 24 Apr 2022UK£14.2bUK£2.8bUK£890.5m10.6x16x5.1x
Tue, 22 Mar 2022UK£11.6bUK£2.6bUK£553.2m13.1x20.9x4.4x
Thu, 17 Feb 2022UK£19.3bUK£2.8bUK£739.5m12.5x26.1x7x
Sat, 15 Jan 2022UK£22.4bUK£2.7bUK£735.8m10x30.4x8.2x
Mon, 13 Dec 2021UK£29.5bUK£2.7bUK£735.3m10.5x40.1x10.8x
Wed, 10 Nov 2021UK£32.1bUK£2.7bUK£646.6m15.7x49.7x11.7x
Fri, 08 Oct 2021UK£23.5bUK£2.9bUK£741.4m15x31.7x8x
Sun, 05 Sep 2021UK£24.0bUK£3.1bUK£820.9m18.2x29.3x7.8x
Tue, 03 Aug 2021UK£24.5bUK£3.1bUK£820.9m18.4x29.9x7.9x
Fri, 07 May 2021UK£18.7bUK£2.9bUK£578.4m20.6x32.3x6.5x
Price to Earnings Ratio

27.3x


Total Market Cap: UK£15.8bTotal Earnings: UK£578.4mTotal Revenue: UK£2.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 17.3x202220232024
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 11.3x which is lower than its 3-year average PE of 17.3x.
  • The 3-year average PS ratio of 4.3x is higher than the industry's current PS ratio of 3.7x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 50% per year over the last three years.
  • Revenues for these companies have grown 28% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Comparison

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

GB Market0.70%
Financials1.35%
Consumer Finance3.88%
Consumer Finance3.88%
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
KSPI Kaspi.kzUS$112.005.1%
+US$1.0b
56.2%PE11.3x
HAT H&T GroupUK£4.0320.3%
+UK£29.4m
-6.5%PE8.3x
FCH Funding Circle HoldingsUK£0.4911.1%
+UK£16.9m
-9.1%PS1x
MFX Manx Financial GroupUK£0.2126.5%
+UK£5.2m
-6.5%PE6.1x
SUS S&UUK£18.501.1%
+UK£2.4m
-15.9%PE6.9x
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Latest News

IPF

UK£1.14

International Personal Finance

7D

-2.1%

1Y

9.6%

VANQ

UK£0.49

Vanquis Banking Group

7D

-60.3%

1Y

-77.9%

ASAI

UK£0.51

ASA International Group

7D

0.5%

1Y

-41.7%

KSPI

US$112.00

Kaspi.kz

7D

5.1%

1Y

56.2%

SUS

UK£18.50

S&U

7D

1.1%

1Y

-15.9%

RFX

UK£1.85

Ramsdens Holdings

7D

2.8%

1Y

-13.6%

AMGO

UK£0.0018

Amigo Holdings

7D

-10.3%

1Y

-87.0%

MFX

UK£0.21

Manx Financial Group

7D

26.5%

1Y

-6.5%