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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedJul 19, 2026
DataAggregated Company Financials
Companies10
  • 7D3.0%
  • 3M10.0%
  • 1Y32.8%
  • YTD18.1%

In the last week, the Consumer Finance industry is up 3.0%, with Funding Circle Holdings up 10%. This takes the industry's 12 month performance to a gain of 33%. Looking forward, earnings are forecast to grow by 11% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 19 Jul 2026UK£2.3bUK£1.9bUK£222.1m10.1x10.3x1.2x
Tue, 16 Jun 2026UK£2.1bUK£1.8bUK£259.9m9.2x7.9x1.2x
Thu, 14 May 2026UK£2.0bUK£1.8bUK£265.4m8.4x7.5x1.1x
Sat, 11 Apr 2026UK£2.0bUK£1.7bUK£251.0m8.9x8.1x1.2x
Mon, 09 Mar 2026UK£2.1bUK£1.7bUK£251.4m9.8x8.4x1.2x
Wed, 04 Feb 2026UK£2.2bUK£1.7bUK£144.6m7.1x15.2x1.3x
Fri, 02 Jan 2026UK£2.0bUK£1.7bUK£143.2m6.6x13.8x1.2x
Sun, 30 Nov 2025UK£1.9bUK£1.7bUK£94.6m6.2x19.7x1.1x
Tue, 28 Oct 2025UK£1.8bUK£1.7bUK£94.6m6.8x19.5x1.1x
Thu, 25 Sep 2025UK£1.9bUK£1.6bUK£82.4m9.7x23.6x1.2x
Sat, 23 Aug 2025UK£2.0bUK£1.6bUK£72.1m7.4x27.1x1.2x
Mon, 21 Jul 2025UK£2.1bUK£1.9bUK£40.4m9.6x51.1x1.1x
Wed, 18 Jun 2025UK£1.9bUK£1.9bUK£38.0m9.5x51.1x1x
Fri, 16 May 2025UK£1.8bUK£1.9bUK£32.2m9.6x56.8x1x
Sun, 13 Apr 2025UK£1.4bUK£1.9bUK£31.9m6.5x44.9x0.8x
Tue, 11 Mar 2025UK£1.5bUK£1.9bUK£115.8m7.9x12.7x0.8x
Thu, 06 Feb 2025UK£1.4bUK£1.9bUK£71.1m6.8x19.6x0.7x
Sat, 04 Jan 2025UK£1.5bUK£1.9bUK£70.7m7.2x20.8x0.8x
Mon, 02 Dec 2024UK£1.4bUK£1.8bUK£61.0m5.9x22.3x0.7x
Wed, 30 Oct 2024UK£1.4bUK£1.8bUK£48.1m5.8x28.3x0.7x
Fri, 27 Sep 2024UK£1.4bUK£1.8bUK£46.9m7.4x29.9x0.8x
Sun, 25 Aug 2024UK£1.5bUK£1.8bUK£41.2m7.8x35.4x0.8x
Tue, 23 Jul 2024UK£1.4bUK£1.8bUK£43.3m8x32.5x0.8x
Thu, 20 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.7x29x0.7x
Sat, 18 May 2024UK£1.3bUK£1.8bUK£43.4m8.2x29.4x0.7x
Mon, 15 Apr 2024UK£1.1bUK£1.8bUK£43.1m6.8x24.7x0.6x
Wed, 13 Mar 2024UK£21.5bUK£6.0bUK£2.0b6.8x10.9x3.6x
Fri, 09 Feb 2024UK£17.9bUK£5.6bUK£1.8b7.8x9.7x3.2x
Sun, 07 Jan 2024UK£20.2bUK£5.8bUK£1.7b8.5x12.1x3.5x
Tue, 05 Dec 2023UK£19.9bUK£5.8bUK£1.6b8x12.1x3.5x
Thu, 02 Nov 2023UK£18.6bUK£5.7bUK£1.6b8.1x11.5x3.2x
Sat, 30 Sep 2023UK£19.8bUK£5.3bUK£1.4b8x13.7x3.8x
Mon, 28 Aug 2023UK£19.9bUK£5.4bUK£1.5b7.4x13.1x3.7x
Wed, 26 Jul 2023UK£17.8bUK£5.1bUK£1.7b8.3x10.6x3.5x
Price to Earnings Ratio

10.6x


Total Market Cap: UK£17.8bTotal 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 10.3x which is lower than its 3-year average PE of 23.2x.
  • The 3-year average PS ratio of 1.5x 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 Market1.03%
Financials0.47%
Consumer Finance2.96%
Consumer Finance2.96%
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
FCH Funding Circle HoldingsUK£1.9210.4%
+UK£52.1m		39.9%PE12x
RFX Ramsdens HoldingsUK£6.6612.9%
+UK£24.6m		104.9%PE10.9x
VANQ Vanquis Banking GroupUK£1.171.2%
+UK£3.5m		14.5%PE39x
0R4W Multitude€5.522.2%
+€2.6m		-25.8%PE5.9x
IPF International Personal FinanceUK£2.490.2%
+UK£1.1m		39.3%PE10.2x

Latest News

AMGO
UK£0.02
Amigo Resources
7D
-5.9%
1Y
627.3%
FCH
UK£1.92
Funding Circle Holdings
7D
10.4%
1Y
39.9%
SUS
UK£19.45
S&U
7D
-1.8%
1Y
14.4%
RFX
UK£6.66
Ramsdens Holdings
7D
12.9%
1Y
104.9%
VANQ
UK£1.17
Vanquis Banking Group
7D
1.2%
1Y
14.5%
Narrative Update • Jul 10

VANQ: Higher Required Return And P/E Multiple Will Support Bullish Repricing

Analysts have raised their price target for Vanquis Banking Group to £1.56 from £1.32, citing updated assumptions for revenue growth, profit margins and future P/E as the key drivers of the revised valuation. What’s in the News for Vanquis Banking Group No recent primary news stories for Vanquis Banking Group were provided in the source data.
ASAI
UK£2.63
ASA International Group
7D
-4.0%
1Y
99.2%
IPF
UK£2.49
International Personal Finance
7D
0.2%
1Y
39.3%
0R4W
€5.52
Multitude
7D
2.2%
1Y
-25.8%
MFX
UK£0.26
Manx Financial Group
7D
-1.9%
1Y
13.3%