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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedJun 15, 2024
DataAggregated Company Financials
Companies10
  • 7D-1.4%
  • 3M15.0%
  • 1Y-23.3%
  • YTD-5.2%

Over the last 7 days, the Consumer Finance industry has dropped 1.3%, driven by a pullback from Funding Circle Holdings of 7.0%. On the other hand Kaspi.kz is actually up 5.4%. The industry has fallen 23% in the last year. As for the next few years, earnings are expected to grow by 37% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 15 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.8x29.2x0.7x
Mon, 13 May 2024UK£1.3bUK£1.8bUK£43.5m7.8x28.8x0.7x
Wed, 10 Apr 2024UK£1.1bUK£1.8bUK£43.0m7.1x24.7x0.6x
Fri, 08 Mar 2024UK£21.0bUK£6.1bUK£2.0b7.4x10.7x3.5x
Sun, 04 Feb 2024UK£18.8bUK£5.8bUK£1.7b7.7x11.2x3.2x
Tue, 02 Jan 2024UK£18.9bUK£5.8bUK£1.7b8.6x11.3x3.3x
Thu, 30 Nov 2023UK£19.9bUK£5.8bUK£1.6b8x12.1x3.4x
Sat, 28 Oct 2023UK£18.6bUK£5.7bUK£1.6b7.7x11.6x3.3x
Mon, 25 Sep 2023UK£19.7bUK£5.3bUK£1.5b8x13.5x3.7x
Wed, 23 Aug 2023UK£19.2bUK£5.5bUK£1.6b7.5x12.4x3.5x
Fri, 21 Jul 2023UK£17.3bUK£5.1bUK£1.7b8.3x10.3x3.4x
Sun, 18 Jun 2023UK£17.2bUK£5.1bUK£1.7b8.4x10.3x3.4x
Tue, 16 May 2023UK£17.7bUK£5.1bUK£1.7b8.7x10.7x3.5x
Thu, 13 Apr 2023UK£15.6bUK£4.8bUK£1.5b8.5x10.4x3.3x
Sat, 11 Mar 2023UK£1.8bUK£2.0bUK£228.0m7.2x7.9x0.9x
Mon, 06 Feb 2023UK£1.8bUK£2.0bUK£263.3m6.3x6.9x0.9x
Wed, 04 Jan 2023UK£1.6bUK£1.9bUK£259.1m6.2x6.3x0.8x
Fri, 02 Dec 2022UK£1.6bUK£1.9bUK£258.7m5.8x6.3x0.8x
Sun, 30 Oct 2022UK£1.5bUK£2.0bUK£278.6m5.4x5.3x0.8x
Tue, 27 Sep 2022UK£1.5bUK£2.0bUK£277.7m4.6x5.3x0.7x
Thu, 25 Aug 2022UK£1.6bUK£2.0bUK£402.4m7x3.9x0.8x
Sat, 23 Jul 2022UK£1.6bUK£1.9bUK£424.0m5.6x3.7x0.8x
Mon, 20 Jun 2022UK£11.4bUK£3.0bUK£1.0b11.4x11.3x3.8x
Wed, 18 May 2022UK£11.2bUK£2.8bUK£909.3m9.9x12.3x4x
Fri, 15 Apr 2022UK£15.3bUK£2.7bUK£878.2m10.3x17.4x5.6x
Sun, 13 Mar 2022UK£10.1bUK£2.6bUK£537.2m13x18.7x3.9x
Tue, 08 Feb 2022UK£18.7bUK£2.8bUK£735.7m12.5x25.5x6.8x
Thu, 06 Jan 2022UK£27.3bUK£2.7bUK£735.7m10.6x37.1x10x
Sat, 04 Dec 2021UK£29.4bUK£2.7bUK£707.5m10.8x41.5x11x
Mon, 01 Nov 2021UK£30.6bUK£2.6bUK£555.6m15.3x55.1x11.7x
Wed, 29 Sep 2021UK£23.5bUK£2.9bUK£731.4m18.8x32.1x8x
Fri, 27 Aug 2021UK£24.4bUK£3.1bUK£820.9m19.4x29.8x7.9x
Sat, 03 Jul 2021UK£22.7bUK£3.1bUK£820.9m18.4x27.7x7.3x
Price to Earnings Ratio

27.7x


Total Market Cap: UK£22.7bTotal Earnings: UK£820.9mTotal Revenue: UK£3.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 16.7x202220232024
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 29.9x which is higher than its 3-year average PE of 16.7x.
  • The 3-year average PS ratio of 3.9x is higher than the industry's current PS ratio of 0.72x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 62% per year over the last three years,
  • Revenues have also declined 17% 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 Market-1.47%
Financials-2.08%
Consumer Finance-1.44%
Consumer Finance-1.44%
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
KSPI Kaspi.kzUS$120.605.4%
+US$1.2b		59.9%PE12.2x
IPF International Personal FinanceUK£1.255.5%
+UK£14.7m		7.8%PE5.9x
ASAI ASA International GroupUK£0.779.2%
+UK£6.5m		-18.9%PE10.6x
MFX Manx Financial GroupUK£0.206.8%
+UK£1.5m		-11.4%PE4.3x
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Latest News

FCH

UK£0.82

Funding Circle Holdings

7D

-8.4%

1Y

39.7%

SUS

UK£18.90

S&U

7D

-0.8%

1Y

-19.2%

RFX

UK£1.98

Ramsdens Holdings

7D

-1.3%

1Y

-23.3%

Ramsdens Holdings (LON:RFX) Is Due To Pay A Dividend Of £0.036

Jun 08
Ramsdens Holdings (LON:RFX) Is Due To Pay A Dividend Of £0.036

HAT

UK£3.76

H&T Group

7D

-4.1%

1Y

-14.2%

ASAI

UK£0.77

ASA International Group

7D

9.2%

1Y

-18.9%

KSPI

US$120.60

Kaspi.kz

7D

5.4%

1Y

59.9%

VANQ

UK£0.52

Vanquis Banking Group

7D

-3.9%

1Y

-73.2%

IPF

UK£1.25

International Personal Finance

7D

5.5%

1Y

7.8%

MFX

UK£0.20

Manx Financial Group

7D

6.8%

1Y

-11.4%