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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedJun 27, 2026
DataAggregated Company Financials
Companies10
  • 7D1.9%
  • 3M11.0%
  • 1Y25.5%
  • YTD9.6%

Over the last 7 days, the Consumer Finance industry has risen 2.5%, driven by gains from Ramsdens Holdings of 29%. This means that the industry has gained 27% over the past year. Earnings are forecast to grow by 12% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 27 Jun 2026UK£2.1bUK£1.8bUK£220.8m9.1x9.6x1.2x
Mon, 25 May 2026UK£2.0bUK£1.8bUK£259.8m8.9x7.8x1.1x
Wed, 22 Apr 2026UK£2.1bUK£1.8bUK£261.8m10x8x1.2x
Fri, 20 Mar 2026UK£2.0bUK£1.7bUK£254.4m9.1x8x1.2x
Sun, 15 Feb 2026UK£2.2bUK£1.7bUK£144.7m7.3x15.2x1.3x
Tue, 13 Jan 2026UK£2.0bUK£1.7bUK£143.2m6.7x14.1x1.2x
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
Price to Earnings Ratio

10.2x


Total Market Cap: UK£17.1bTotal 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 9.6x 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 1.2x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 49% 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 Trends

Which industries have driven the changes within the U.K. Financials industry?

GB Market1.14%
Financials1.02%
Consumer Finance1.91%
Consumer Finance1.91%
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
RFX Ramsdens HoldingsUK£5.9029.0%
+UK£42.9m		72.3%PE9.7x
MFX Manx Financial GroupUK£0.2821.7%
+UK£6.1m		12.0%PE5.4x
VANQ Vanquis Banking GroupUK£1.170.9%
+UK£2.5m		17.8%PE39.1x
SUS S&UUK£19.800.5%
+UK£1.2m		10.0%PE10.1x

Latest News

VANQ
UK£1.17
Vanquis Banking Group
7D
0.9%
1Y
17.8%
Narrative Update • Jun 26

None

The analyst price target for Vanquis Banking Group has shifted from £0.83 to £1.50, with analysts linking this change to adjustments in fair value assumptions, a higher discount rate, slightly lower revenue growth expectations, softer profit margin assumptions, and an updated future P/E estimate. What’s in the News for Vanquis Banking Group No recent company specific news items for Vanquis Banking Group are available from the provided sources.
RFX
UK£5.90
Ramsdens Holdings
7D
29.0%
1Y
72.3%
Narrative Update • Jun 26

RFX: Takeover Offer And Richer P/E Will Shape Modest Outlook

Analysts have lifted their fair value estimate for Ramsdens Holdings from £4.90 to £5.96, reflecting updated views on discount rate assumptions, revenue trends and profit margins, along with a higher forward P/E multiple. What’s in the News for Ramsdens Holdings FirstCash Holdings, Inc.
SUS
UK£19.80
S&U
7D
0.5%
1Y
10.0%
AMGO
UK£0.025
Amigo Resources
7D
-4.8%
1Y
809.1%
ASAI
UK£2.42
ASA International Group
7D
-0.4%
1Y
66.9%
FCH
UK£1.45
Funding Circle Holdings
7D
-1.6%
1Y
15.1%
Narrative Update • Jun 16

FCH: 2026 Revenue Guidance Will Support Further Share Price Repricing

Analysts have kept their fair value estimates for Funding Circle Holdings steady around £2.19 per share, with only modest tweaks to assumptions such as the discount rate, revenue growth, profit margin, and future P/E that leave the overall price target effectively unchanged. What’s in the News for Funding Circle Holdings No recent Funding Circle Holdings news items were identified in the provided sources.
0R4W
€5.48
Multitude
7D
-1.1%
1Y
-22.3%
MFX
UK£0.28
Manx Financial Group
7D
21.7%
1Y
12.0%
IPF
UK£2.48
International Personal Finance
7D
-0.4%
1Y
47.8%