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U.K. (FTSE) Diversified Financial Industry Analysis

UpdatedJul 17, 2026
DataAggregated Company Financials
Companies19
  • 7D1.4%
  • 3M-2.7%
  • 1Y1.3%
  • YTD6.4%

The Diversified Financial industry is up 1.7% in the last week, with M&G up 2.0%. During this same period, the Fiinu underperformed, falling 17%. Despite this gain, the industry's performance has been flat over the past year. As for the next few years, earnings are expected to grow by 20% per annum.

Industry Valuation and Performance

Has the U.K. Diversified Financial Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 17 Jul 2026UK£25.2bUK£19.5bUK£2.3b11.7x10.9x1.3x
Sun, 14 Jun 2026UK£22.7bUK£19.4bUK£2.3b12.2x9.8x1.2x
Tue, 12 May 2026UK£25.5bUK£18.7bUK£3.5b15x7.3x1.4x
Thu, 09 Apr 2026UK£24.2bUK£18.7bUK£3.5b16.3x7x1.3x
Sat, 07 Mar 2026UK£23.7bUK£17.6bUK£3.1b15.6x7.6x1.3x
Mon, 02 Feb 2026UK£25.2bUK£17.6bUK£3.1b19.2x8.1x1.4x
Wed, 31 Dec 2025UK£24.0bUK£17.6bUK£3.1b17x7.7x1.4x
Fri, 28 Nov 2025UK£23.1bUK£17.6bUK£3.1b17.9x7.4x1.3x
Sun, 26 Oct 2025UK£24.3bUK£16.7bUK£3.2b19.3x7.5x1.5x
Tue, 23 Sep 2025UK£24.8bUK£16.7bUK£3.2b20x7.7x1.5x
Thu, 21 Aug 2025UK£25.4bUK£15.8bUK£3.0b19.2x8.6x1.6x
Sat, 19 Jul 2025UK£24.8bUK£15.8bUK£3.0b16.7x8.4x1.6x
Mon, 16 Jun 2025UK£24.2bUK£15.8bUK£3.0b16.7x8.1x1.5x
Wed, 14 May 2025UK£25.7bUK£16.0bUK£1.8b14.6x14x1.6x
Fri, 11 Apr 2025UK£20.7bUK£15.7bUK£1.7b12.8x12.2x1.3x
Sun, 09 Mar 2025UK£21.8bUK£16.4bUK£2.3b13.5x9.6x1.3x
Tue, 04 Feb 2025UK£26.3bUK£17.4bUK£2.5b13.2x10.6x1.5x
Thu, 02 Jan 2025UK£25.2bUK£17.3bUK£2.5b14.5x10.2x1.5x
Sat, 30 Nov 2024UK£23.4bUK£17.4bUK£2.5b13.2x9.5x1.4x
Mon, 28 Oct 2024UK£22.0bUK£17.4bUK£2.8b15.8x7.9x1.3x
Wed, 25 Sep 2024UK£21.0bUK£17.4bUK£2.8b13.5x7.6x1.2x
Fri, 23 Aug 2024UK£24.1bUK£17.8bUK£3.0b13x8.1x1.4x
Sun, 21 Jul 2024UK£25.2bUK£17.6bUK£2.8b12.3x8.9x1.4x
Tue, 18 Jun 2024UK£23.9bUK£17.6bUK£2.8b12.9x8.5x1.4x
Thu, 16 May 2024UK£27.1bUK£17.8bUK£3.2b11.7x8.4x1.5x
Sat, 13 Apr 2024UK£28.3bUK£18.0bUK£3.5b11.5x8.2x1.6x
Mon, 11 Mar 2024UK£22.5bUK£10.9bUK£3.1b10x7.2x2.1x
Wed, 07 Feb 2024UK£21.8bUK£10.9bUK£3.2b9.7x6.9x2x
Fri, 05 Jan 2024UK£22.4bUK£11.0bUK£3.1b10.4x7.1x2x
Sun, 03 Dec 2023UK£20.4bUK£11.0bUK£3.2b10.1x6.3x1.9x
Tue, 31 Oct 2023UK£18.4bUK£10.5bUK£2.9b9.6x6.4x1.8x
Thu, 28 Sep 2023UK£19.8bUK£10.5bUK£2.9b11.5x6.8x1.9x
Sat, 26 Aug 2023UK£19.3bUK£10.4bUK£2.8b13.2x6.8x1.9x
Mon, 24 Jul 2023UK£20.7bUK£10.6bUK£3.1b12.2x6.8x2x
Price to Earnings Ratio

6.8x


Total Market Cap: UK£20.7bTotal Earnings: UK£3.1bTotal Revenue: UK£10.6bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Diversified Financial Industry Price to Earnings3Y Average 8.4x202420252026
Current Industry PE
  • Investors are optimistic on the British Diversified Financial industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 11.0x which is higher than its 3-year average PE of 8.4x.
  • The 3-year average PS ratio of 1.5x is higher than the industry's current PS ratio of 1.3x.
Past Earnings Growth
  • The earnings for companies in the Diversified Financial industry have declined 9.0% per year over the last three years.
  • Meanwhile revenues for these companies have grown 22% per year.
  • This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.

Industry Trends

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

GB Market1.12%
Financials1.64%
Diversified Financial1.41%
Other Diversified Financial Services2.00%
Specialized Finance1.56%
Transaction and Payment Processing Services0.88%
Multi-Sector Holdings0%0
Industry PE
  • Investors are most optimistic about the Other Diversified Financial Services industry which is trading above its 3-year average PE ratio.
    • Analysts are expecting annual earnings growth of 27.3% and investors are willing to pay a premium for that growth.
  • Investors are most pessimistic about the Specialized Finance industry, which is trading close to its 3-year average of 11.0x.
Forecasted Growth
  • Analysts are most optimistic on the Other Diversified Financial Services industry, expecting annual earnings growth of 27% over the next 5 years.
  • In contrast, the Specialized Finance industry is expected to see its earnings grow by 12% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
MNG M&GUK£3.532.0%
+UK£164.4m		37.1%PE27.8x
OSB OSB GroupUK£5.532.2%
+UK£41.0m		-1.3%PE6.9x
PAG Paragon Banking GroupUK£7.972.6%
+UK£37.0m		-16.2%PE8.3x
EWG W.A.G payment solutionsUK£1.085.1%
+UK£36.0m		22.4%PE429.4x
PAY PayPointUK£6.389.9%
+UK£34.6m		-23.6%PE9.8x

Latest News

BOKU
UK£1.00
Boku
7D
4.2%
1Y
-52.2%
LEND
UK£0.011
Sancus Lending Group
7D
-4.2%
1Y
155.6%
MNG
UK£3.53
M&G
7D
2.0%
1Y
37.1%
Narrative Update • Jul 10

MNG: Future Returns Will Rely On Uncertain Margin Execution

The analyst price target for M&G has been raised modestly, with the fair value estimate moving from about £3.03 to about £3.09 as analysts factor in a slightly lower discount rate and marginally higher assumed profit margins, while Street targets, including recent moves to £2.95 and £3.10, provide additional support for this adjustment. Analyst Commentary Recent Street research on M&G points to a mixed but generally constructive tone around the stock, with several price target adjustments clustering around the current fair value range.
BANK
UK£0.037
Fiinu
7D
-16.7%
1Y
-57.1%
PAY
UK£6.38
PayPoint
7D
9.9%
1Y
-23.6%
Narrative Update • Jul 09

PAY: Share Buybacks And Growing Dividend Will Support Future Upside

Analysts have trimmed their price target on PayPoint from £11.00 to £9.55, citing updated assumptions that incorporate a higher discount rate, softer revenue growth expectations, a lower profit margin and a slightly higher future P/E multiple. What’s in the News for PayPoint PayPoint reported that from 1 October 2025 to 31 March 2026 it repurchased 3,032,216 shares for £17.1 million, representing 4.69% of its share capital, under its ongoing share buyback programme.
WISE
UK£9.49
Wise Group
7D
0.2%
1Y
-11.1%
Narrative Update • Jul 07

WISE: Earnings Resilience And Margin Discipline Will Support A Higher Future P/E

Analysts have lifted the fair value estimate for Wise Group to £11.92 from £11.41. This reflects updated forecasts for revenue growth, profit margins and a lower assumed future P/E multiple.
PAG
UK£7.97
Paragon Banking Group
7D
2.6%
1Y
-16.2%
EWG
UK£1.08
W.A.G payment solutions
7D
5.1%
1Y
22.4%
Narrative Update • Jun 24

EWG: Special Dividend And Slightly Stronger Margins Will Support Further Upside

Analysts have made a slight upward adjustment to their fair value estimate for W.A.G payment solutions, with the updated target moving from £1.37 to £1.38 as they factor in a modestly higher profit margin and a small change in the assumed discount rate and future P/E multiple. What's in the News for W.A.G payment solutions The board plans to propose a special dividend of 1.5 pence per ordinary share for the financial year ended 2025 at the AGM scheduled for 27 May 2026.
DFCH
UK£0.70
Distribution Finance Capital Holdings
7D
5.2%
1Y
67.9%
New Narrative • Jun 22

Expanded Specialist Lending And Scalable Deposits Will Support Long Term Opportunity

Catalysts About Distribution Finance Capital Holdings Distribution Finance Capital Holdings is a specialist lender that provides inventory, asset and structured finance solutions to manufacturers, dealers and distributors, funded by a retail deposit platform. What are the underlying business or industry changes driving this perspective?
FIN
UK£0.12
Finseta
7D
-9.4%
1Y
-54.7%
OSB
UK£5.53
OSB Group
7D
2.2%
1Y
-1.3%
Narrative Update • Jun 12

OSB: Stable Cash Generation And Buybacks Will Support Bullish Outlook

Analysts have kept their fair value estimate for OSB Group steady at £6.78, with a slightly lower discount rate and essentially unchanged assumptions for revenue growth, profit margins and future P/E. Together, these factors support an unchanged overall price target narrative.
TIME
UK£0.50
Time Finance
7D
-0.6%
1Y
-17.7%
FNX
UK£1.57
Fonix
7D
-0.6%
1Y
-29.3%