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Indian (NIFTY) Consumer Finance Industry Analysis
UpdatedFeb 21, 2025
DataAggregated Company Financials
Companies91
- 7D0.1%
- 3M15.5%
- 1Y16.8%
- YTD12.1%
The Consumer Finance industry is up 2.7% in the last week, with Shriram Finance up 6.0%. In the same time, CreditAccess Grameen was down 16%. This means that the industry has gained 15% over the past year. As for the next few years, earnings are expected to grow by 23% per annum.
Industry Valuation and Performance
Has the Indian Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 21 Feb 2025 | ₹11.7t | ₹1.5t | ₹479.9b | 19.3x | 24.3x | 7.9x |
| Sun, 19 Jan 2025 | ₹10.6t | ₹1.5t | ₹481.0b | 21.4x | 22x | 7x |
| Tue, 17 Dec 2024 | ₹10.9t | ₹1.5t | ₹481.0b | 23.6x | 22.6x | 7.2x |
| Thu, 14 Nov 2024 | ₹10.0t | ₹1.5t | ₹483.4b | 20.6x | 20.6x | 6.6x |
| Sat, 12 Oct 2024 | ₹11.4t | ₹1.5t | ₹494.2b | 21.8x | 23x | 7.7x |
| Mon, 09 Sep 2024 | ₹11.4t | ₹1.5t | ₹490.7b | 23.4x | 23.3x | 7.8x |
| Wed, 07 Aug 2024 | ₹10.2t | ₹1.5t | ₹488.3b | 23.2x | 20.9x | 7x |
| Fri, 05 Jul 2024 | ₹10.9t | ₹1.4t | ₹473.5b | 23.4x | 23x | 7.7x |
| Sun, 02 Jun 2024 | ₹10.0t | ₹1.4t | ₹466.7b | 19.8x | 21.5x | 7.1x |
| Tue, 30 Apr 2024 | ₹10.4t | ₹1.4t | ₹466.7b | 22.4x | 22.3x | 7.2x |
| Thu, 28 Mar 2024 | ₹10.1t | ₹1.4t | ₹451.5b | 21.8x | 22.4x | 7.2x |
| Sat, 24 Feb 2024 | ₹10.0t | ₹1.4t | ₹451.6b | 22.8x | 22.2x | 7.1x |
| Mon, 22 Jan 2024 | ₹10.7t | ₹1.4t | ₹449.4b | 22.5x | 23.8x | 7.5x |
| Wed, 20 Dec 2023 | ₹10.7t | ₹1.4t | ₹444.6b | 21.9x | 24x | 7.6x |
| Fri, 17 Nov 2023 | ₹10.2t | ₹1.4t | ₹444.7b | 20.2x | 22.9x | 7.3x |
| Sun, 15 Oct 2023 | ₹10.5t | ₹1.3t | ₹417.0b | 21.8x | 25.2x | 7.9x |
| Tue, 12 Sep 2023 | ₹10.1t | ₹1.3t | ₹416.8b | 21.6x | 24.2x | 7.6x |
| Thu, 10 Aug 2023 | ₹9.7t | ₹1.3t | ₹408.2b | 20.5x | 23.8x | 7.5x |
| Sat, 08 Jul 2023 | ₹9.9t | ₹1.3t | ₹383.6b | 21.3x | 25.7x | 7.9x |
| Mon, 05 Jun 2023 | ₹9.1t | ₹1.3t | ₹383.4b | 22.8x | 23.7x | 7.2x |
| Wed, 03 May 2023 | ₹8.1t | ₹1.2t | ₹370.2b | 21.1x | 21.8x | 6.6x |
| Fri, 31 Mar 2023 | ₹7.3t | ₹1.2t | ₹359.9b | 22.5x | 20.4x | 6.1x |
| Sun, 26 Feb 2023 | ₹7.8t | ₹1.2t | ₹359.9b | 25.1x | 21.8x | 6.5x |
| Tue, 24 Jan 2023 | ₹7.7t | ₹1.1t | ₹322.2b | 28.4x | 23.8x | 6.9x |
| Thu, 22 Dec 2022 | ₹8.1t | ₹1.1t | ₹322.2b | 28.5x | 25.1x | 7.3x |
| Sat, 19 Nov 2022 | ₹7.9t | ₹1.1t | ₹316.8b | 25.6x | 24.8x | 7.2x |
| Mon, 17 Oct 2022 | ₹8.1t | ₹987.0b | ₹298.2b | 28.6x | 27.3x | 8.2x |
| Wed, 14 Sep 2022 | ₹8.4t | ₹987.0b | ₹298.3b | 27.5x | 28.2x | 8.5x |
| Fri, 12 Aug 2022 | ₹8.3t | ₹987.3b | ₹299.3b | 22.5x | 27.9x | 8.4x |
| Sun, 10 Jul 2022 | ₹7.1t | ₹889.8b | ₹246.3b | 24.1x | 28.8x | 8x |
| Tue, 07 Jun 2022 | ₹7.0t | ₹788.5b | ₹235.2b | 22.4x | 29.9x | 8.9x |
| Thu, 05 May 2022 | ₹7.4t | ₹843.3b | ₹223.3b | 30.4x | 33x | 8.7x |
| Sat, 02 Apr 2022 | ₹8.1t | ₹902.0b | ₹200.8b | 27.5x | 40.4x | 9x |
| Mon, 28 Feb 2022 | ₹7.6t | ₹904.8b | ₹200.8b | 23.8x | 37.6x | 8.4x |
Price to Earnings Ratio
37.6x
Current Industry PE
- Investors are relatively neutral on the Indian Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
- The industry is trading close to its 3-year average PE ratio of 24.9x.
- The industry is trading close to its 3-year average PS ratio of 7.5x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 34% per year over the last three years.
- Revenues for these companies have grown 18% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Indian Financials industry?
| IN Market | -0.74% | |
| Financials | -0.11% | |
| Consumer Finance | 0.11% | |
| Consumer Finance | 0.11% | |
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| 511218 Shriram Finance | ₹585.35 | 8.6% +₹87.1b | 19.6% | PE13.8x | |
| 531213 Manappuram Finance | ₹200.85 | 12.4% +₹18.8b | 9.6% | PE8.6x | |
| 531595 Capri Global Capital | ₹174.05 | 7.6% +₹10.2b | -27.6% | PE37.5x | |
| SUNDARMFIN Sundaram Finance | ₹4.65k | 1.8% +₹9.2b | 11.0% | PE32.4x | |
| 511243 Cholamandalam Investment and Finance | ₹1.38k | 0.7% +₹7.9b | 25.3% | PE28.6x |