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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedApr 05, 2026
DataAggregated Company Financials
Companies10
  • 7D3.0%
  • 3M0.8%
  • 1Y61.1%
  • YTDn/a

Over the last 7 days, the Consumer Finance industry has risen 3.0%, driven by gains in S&U and Vanquis Banking Group of 11% and 8.0%, respectively. In the last 12 months, the industry was up 61%. As for the next few years, earnings are expected to grow by 20% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
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
Mon, 15 May 2023UK£17.6bUK£5.1bUK£1.7b8.8x10.6x3.5x
Wed, 12 Apr 2023UK£15.5bUK£4.8bUK£1.5b8.6x10.3x3.2x
Price to Earnings Ratio

10.3x


Total Market Cap: UK£15.5bTotal Earnings: UK£1.5bTotal Revenue: UK£4.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 23.4x202420252026
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 8.1x which is lower than its 3-year average PE of 23.4x.
  • 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 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 Market4.54%
Financials5.98%
Consumer Finance3.03%
Consumer Finance3.03%
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
SUS S&UUK£20.2011.0%
+UK£24.3m		51.9%PE12.3x
VANQ Vanquis Banking GroupUK£1.188.0%
+UK£22.5m		108.1%PE40.3x
FCH Funding Circle HoldingsUK£1.321.8%
+UK£7.6m		40.0%PE9.1x
0R4W Multitude€6.291.8%
+€2.4m		18.5%PE5.8x
AMGO Amigo ResourcesUK£0.0287.0%
+UK£1.9m		685.7%PE0.6x

Latest News

FCH
UK£1.32
Funding Circle Holdings
7D
1.8%
1Y
40.0%

FCH: Index Inclusions And 2026 Guidance Will Support Bullish Repricing

Analysts have reduced their price target on Funding Circle Holdings by £0.02 to account for slightly lower expected profit margins. This change is partly offset by modestly higher assumed revenue growth and a small adjustment to the discount rate.
AMGO
UK£0.028
Amigo Resources
7D
7.0%
1Y
685.7%
0R4W
€6.29
Multitude
7D
1.8%
1Y
18.5%
SUS
UK£20.20
S&U
7D
11.0%
1Y
51.9%

SUS: Higher Second Interim Dividend Will Support Future Upside Potential

Analysts have kept their fair value estimate for S&U steady at £24.70. A slightly higher discount rate and modestly adjusted future P/E assumptions are guiding the latest price target view.
VANQ
UK£1.18
Vanquis Banking Group
7D
8.0%
1Y
108.1%
ASAI
UK£1.87
ASA International Group
7D
-0.5%
1Y
130.9%

ASAI: Disciplined 2025 Profit Execution Will Support Bullish Earnings Re Rating

Analysts have largely maintained their price target for ASA International Group at around £3.06, reflecting only very small shifts in inputs such as the discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News ASA International Group issued preliminary unaudited earnings guidance for fiscal 2025, indicating an expected net profit of about US$57 million, compared with US$28.5 million in 2024 (Key Developments).
IPF
UK£2.46
International Personal Finance
7D
0%
1Y
77.1%
MFX
UK£0.22
Manx Financial Group
7D
7.3%
1Y
66.0%