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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedMar 31, 2025
DataAggregated Company Financials
Companies11
  • 7D-1.6%
  • 3M1.4%
  • 1Y28.1%
  • YTD-1.4%

The Consumer Finance is pretty flat in the last 7 days, but S&U has stood out, gaining 4.8%. As for the the longer term, the industry is up 28% over the past 12 months. Earnings are forecast to grow by 35% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 31 Mar 2025UK£1.5bUK£1.9bUK£22.8m8x67.5x0.8x
Wed, 26 Feb 2025UK£1.5bUK£1.9bUK£70.9m7x21.4x0.8x
Fri, 24 Jan 2025UK£1.5bUK£1.9bUK£71.3m6.9x20.5x0.8x
Sun, 22 Dec 2024UK£1.3bUK£1.8bUK£61.2m5.6x21.2x0.7x
Tue, 19 Nov 2024UK£1.3bUK£1.8bUK£48.6m5.8x26.3x0.7x
Thu, 17 Oct 2024UK£1.5bUK£1.8bUK£48.1m6.5x31.1x0.8x
Sat, 14 Sep 2024UK£1.4bUK£1.8bUK£46.5m7.4x30.9x0.8x
Mon, 12 Aug 2024UK£1.4bUK£1.8bUK£40.8m8.1x34.9x0.8x
Wed, 10 Jul 2024UK£1.3bUK£1.8bUK£43.4m7.7x30.7x0.7x
Fri, 07 Jun 2024UK£1.3bUK£1.8bUK£43.4m8.1x29.6x0.7x
Sun, 05 May 2024UK£1.2bUK£1.8bUK£43.5m7.8x27.7x0.7x
Tue, 02 Apr 2024UK£1.1bUK£1.8bUK£49.2m6.8x21.7x0.6x
Thu, 29 Feb 2024UK£20.9bUK£6.0bUK£2.0b7.3x10.5x3.5x
Sat, 27 Jan 2024UK£18.7bUK£5.8bUK£1.7b7.9x11.1x3.2x
Mon, 25 Dec 2023UK£19.2bUK£5.8bUK£1.7b8.5x11.6x3.3x
Wed, 22 Nov 2023UK£19.1bUK£5.8bUK£1.6b8.3x11.7x3.3x
Fri, 20 Oct 2023UK£18.9bUK£5.3bUK£1.4b7.8x13.2x3.6x
Sun, 17 Sep 2023UK£19.7bUK£5.3bUK£1.5b7.8x13.3x3.7x
Tue, 15 Aug 2023UK£19.5bUK£5.5bUK£1.6b7.9x12.5x3.6x
Thu, 13 Jul 2023UK£17.1bUK£5.1bUK£1.7b8.1x10.1x3.3x
Sat, 10 Jun 2023UK£17.7bUK£5.1bUK£1.7b8.7x10.6x3.5x
Mon, 08 May 2023UK£17.8bUK£5.1bUK£1.7b8.7x10.6x3.5x
Wed, 05 Apr 2023UK£1.7bUK£2.0bUK£201.7m7.9x8.6x0.9x
Fri, 03 Mar 2023UK£1.8bUK£2.0bUK£262.6m6.4x6.9x0.9x
Sun, 29 Jan 2023UK£1.8bUK£1.9bUK£262.9m6.2x6.7x0.9x
Tue, 27 Dec 2022UK£1.6bUK£1.9bUK£259.0m5.8x6.2x0.8x
Thu, 24 Nov 2022UK£1.6bUK£2.0bUK£279.3m5.3x5.9x0.8x
Sat, 22 Oct 2022UK£1.4bUK£2.0bUK£279.2m5x5.1x0.7x
Mon, 19 Sep 2022UK£1.5bUK£1.9bUK£267.6m5.8x5.8x0.8x
Wed, 17 Aug 2022UK£1.6bUK£2.0bUK£402.2m6.9x4x0.8x
Fri, 15 Jul 2022UK£1.5bUK£1.9bUK£424.1m6.5x3.5x0.8x
Sun, 12 Jun 2022UK£10.9bUK£3.0bUK£1.0b11.4x10.7x3.7x
Tue, 10 May 2022UK£11.9bUK£2.8bUK£901.8m11.2x13.2x4.3x
Thu, 07 Apr 2022UK£13.5bUK£2.7bUK£862.0m10.3x15.6x4.9x
Price to Earnings Ratio

15.6x


Total Market Cap: UK£13.5bTotal Earnings: UK£862.0mTotal Revenue: UK£2.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 16.2x202320242025
Current Industry PE
  • Investors are optimistic on the British Consumer Finance industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 67.5x which is higher than its 3-year average PE of 16.2x.
  • The 3-year average PS ratio of 2.0x is higher than the industry's current PS ratio of 0.83x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 70% per year over the last three years,
  • Revenues have also declined 12% 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 Market0.32%
Financials-0.053%
Consumer Finance-1.56%
Consumer Finance-1.56%
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£13.702.2%
+UK£3.6m		-26.9%PE8.8x
ASAI ASA International GroupUK£0.822.2%
+UK£1.8m		79.2%PE5.6x
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Latest News

IPF

UK£1.51

International Personal Finance

7D

-2.9%

1Y

38.1%

International Personal Finance plc's (LON:IPF) Share Price Boosted 26% But Its Business Prospects Need A Lift Too

Mar 23
International Personal Finance plc's (LON:IPF) Share Price Boosted 26% But Its Business Prospects Need A Lift Too

HAT

UK£3.82

H&T Group

7D

-4.3%

1Y

2.7%

H&T Group's (LON:HAT) Dividend Will Be Increased To £0.11

Mar 21
H&T Group's (LON:HAT) Dividend Will Be Increased To £0.11

ASAI

UK£0.82

ASA International Group

7D

2.2%

1Y

79.2%

0R4W

€4.75

Multitude

7D

-2.1%

1Y

-4.6%

VANQ

UK£0.58

Vanquis Banking Group

7D

-4.9%

1Y

10.4%

RFX

UK£2.18

Ramsdens Holdings

7D

-2.2%

1Y

11.5%

SUS

UK£13.70

S&U

7D

2.2%

1Y

-26.9%

FCH

UK£1.12

Funding Circle Holdings

7D

-4.7%

1Y

156.3%

AMGO

UK£0.0035

Amigo Holdings

7D

-12.5%

1Y

7.7%