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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedJun 13, 2026
DataAggregated Company Financials
Companies10
  • 7D1.3%
  • 3M-0.2%
  • 1Y27.6%
  • YTD3.7%

In the last week, the Consumer Finance industry is up 1.3%, with Funding Circle Holdings up 5.2%. This means that the industry has gained 28% over the past year. As for the next few years, earnings are expected to grow by 16% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 13 Jun 2026UK£2.0bUK£1.8bUK£259.9m9.1x7.8x1.1x
Mon, 11 May 2026UK£2.0bUK£1.8bUK£265.1m8.5x7.7x1.2x
Wed, 08 Apr 2026UK£2.0bUK£1.7bUK£251.4m9.3x8.2x1.2x
Fri, 06 Mar 2026UK£2.1bUK£1.7bUK£213.9m9.7x9.8x1.2x
Sun, 01 Feb 2026UK£2.2bUK£1.7bUK£144.7m7.3x15.3x1.3x
Tue, 30 Dec 2025UK£2.0bUK£1.7bUK£143.1m6.5x13.7x1.2x
Thu, 27 Nov 2025UK£1.8bUK£1.7bUK£94.6m6.2x19.5x1.1x
Sat, 25 Oct 2025UK£1.9bUK£1.7bUK£94.6m6.8x19.7x1.1x
Mon, 22 Sep 2025UK£1.9bUK£1.6bUK£81.1m7.7x22.9x1.1x
Wed, 20 Aug 2025UK£2.0bUK£1.6bUK£69.7m8x28x1.2x
Fri, 18 Jul 2025UK£2.1bUK£1.9bUK£40.4m9.6x51.5x1.1x
Sun, 15 Jun 2025UK£1.9bUK£1.9bUK£37.8m9.3x50.5x1x
Tue, 13 May 2025UK£1.7bUK£1.9bUK£32.4m9x51.9x0.9x
Thu, 10 Apr 2025UK£1.4bUK£1.9bUK£32.2m6.5x43.8x0.8x
Sat, 08 Mar 2025UK£1.5bUK£1.9bUK£115.8m8x12.7x0.8x
Mon, 03 Feb 2025UK£1.5bUK£1.9bUK£71.2m6.9x20.7x0.8x
Wed, 01 Jan 2025UK£1.5bUK£1.9bUK£70.5m7.1x20.6x0.7x
Fri, 29 Nov 2024UK£1.3bUK£1.8bUK£61.1m5.8x21.9x0.7x
Sun, 27 Oct 2024UK£1.4bUK£1.8bUK£48.1m5.9x29.6x0.8x
Tue, 24 Sep 2024UK£1.4bUK£1.8bUK£46.4m7.5x30.9x0.8x
Thu, 22 Aug 2024UK£1.5bUK£1.8bUK£41.2m7.9x35.5x0.8x
Sat, 20 Jul 2024UK£1.4bUK£1.8bUK£43.3m8x31.7x0.8x
Mon, 17 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.8x29.2x0.7x
Wed, 15 May 2024UK£1.3bUK£1.8bUK£43.5m7.8x29.3x0.7x
Fri, 12 Apr 2024UK£1.1bUK£1.8bUK£43.0m7x24.7x0.6x
Sun, 10 Mar 2024UK£21.4bUK£6.1bUK£2.0b7.4x10.8x3.5x
Tue, 06 Feb 2024UK£18.5bUK£5.6bUK£1.8b7.4x10.2x3.3x
Thu, 04 Jan 2024UK£19.2bUK£5.8bUK£1.7b8.6x11.6x3.3x
Sat, 02 Dec 2023UK£20.5bUK£5.7bUK£1.6b8x12.5x3.6x
Mon, 30 Oct 2023UK£18.6bUK£5.7bUK£1.6b7.7x11.6x3.3x
Wed, 27 Sep 2023UK£19.5bUK£5.3bUK£1.4b8x13.5x3.7x
Fri, 25 Aug 2023UK£19.6bUK£5.4bUK£1.5b7.5x12.8x3.6x
Sun, 23 Jul 2023UK£18.0bUK£5.1bUK£1.7b8.4x10.8x3.5x
Tue, 20 Jun 2023UK£17.4bUK£5.1bUK£1.7b8.3x10.4x3.4x
Price to Earnings Ratio

10.4x


Total Market Cap: UK£17.4bTotal 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 7.8x 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 1.1x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 46% per year over the last three years,
  • Revenues have also declined 30% 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 Market1.05%
Financials1.57%
Consumer Finance1.34%
Consumer Finance1.34%
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£1.455.2%
+UK£20.8m		25.7%PE9.1x
VANQ Vanquis Banking GroupUK£1.123.5%
+UK£9.5m		30.5%PE37.4x
SUS S&UUK£19.702.9%
+UK£6.7m		33.8%PE10.1x
MFX Manx Financial GroupUK£0.242.1%
+UK£614.8k		-5.9%PE4.6x

Latest News

SUS
UK£19.70
S&U
7D
2.9%
1Y
33.8%
Narrative Update • Jun 07

SUS: Slightly Lower Risk Profile Will Support Future Upside Potential

Analysts have nudged their fair value estimate for S&U slightly higher from £24.27 to £24.57, reflecting updated assumptions around the discount rate, revenue growth, profit margin and future P/E that they see as better aligned with the company’s current profile. What's in the News No recent news items, periodical coverage or key developments were provided for S&U, so there are currently no specific events to highlight for readers.
RFX
UK£4.43
Ramsdens Holdings
7D
-4.3%
1Y
29.2%
ASAI
UK£1.93
ASA International Group
7D
-1.5%
1Y
33.1%
Narrative Update • Jun 03

ASAI: Stronger Margins And Dividend Outlook Will Support Future Earnings Upside

Analysts have lowered their price target on ASA International Group to £3.70. This reflects updated assumptions that include slightly higher discount rates, more conservative revenue expectations, stronger profit margins and a lower future P/E multiple in line with recent cautious sector pricing seen in other stocks.
FCH
UK£1.45
Funding Circle Holdings
7D
5.2%
1Y
25.7%
Narrative Update • Jun 02

FCH: 2026 Revenue Guidance Will Support Further Share Price Repricing

Analysts have slightly increased their price target on Funding Circle Holdings to £2.19 per share. This change reflects minor model adjustments to the discount rate, revenue growth, profit margin and future P/E assumptions, rather than any major shift in the core outlook.
0R4W
€5.58
Multitude
7D
-0.4%
1Y
-24.9%
MFX
UK£0.24
Manx Financial Group
7D
2.1%
1Y
-5.9%
IPF
UK£2.48
International Personal Finance
7D
-0.2%
1Y
56.1%
VANQ
UK£1.12
Vanquis Banking Group
7D
3.5%
1Y
30.5%