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Indian (NIFTY) Consumer Finance Industry Analysis

UpdatedMay 27, 2024
DataAggregated Company Financials
Companies84
  • 7D-0.2%
  • 3M2.5%
  • 1Y13.4%
  • YTD0.06%

In the last week, the Consumer Finance industry is flat overall, with Sundaram Finance standing out by going down 5.9%. As for the the longer term, the industry is up 13% over the past 12 months. As for the next few years, earnings are expected to grow by 17% per annum.

Industry Valuation and Performance

Has the Indian Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 28 May 2024₹10.2t₹1.5t₹465.8b19.6x22x7x
Thu, 25 Apr 2024₹10.7t₹1.4t₹451.5b22x23.6x7.6x
Sat, 23 Mar 2024₹9.9t₹1.4t₹451.5b21.3x21.9x7x
Mon, 19 Feb 2024₹10.0t₹1.4t₹451.6b23x22.2x7.1x
Wed, 17 Jan 2024₹10.8t₹1.4t₹446.7b22.5x24.3x7.7x
Fri, 15 Dec 2023₹10.6t₹1.4t₹444.6b21.6x23.8x7.5x
Sun, 12 Nov 2023₹10.1t₹1.4t₹441.7b20.1x22.9x7.3x
Tue, 10 Oct 2023₹10.4t₹1.3t₹417.0b20.2x24.9x7.8x
Thu, 07 Sep 2023₹9.9t₹1.3t₹416.9b21.2x23.8x7.5x
Sat, 05 Aug 2023₹9.7t₹1.3t₹408.1b18.9x23.8x7.4x
Mon, 03 Jul 2023₹9.5t₹1.3t₹383.6b20.9x24.9x7.6x
Wed, 31 May 2023₹9.0t₹1.3t₹383.2b23.2x23.6x7.2x
Fri, 28 Apr 2023₹8.0t₹1.3t₹367.3b19.9x21.8x6.4x
Sun, 26 Mar 2023₹7.3t₹1.2t₹359.9b23x20.3x6x
Tue, 21 Feb 2023₹8.0t₹1.2t₹359.9b26.8x22.2x6.6x
Thu, 19 Jan 2023₹7.7t₹1.1t₹322.2b28.1x23.9x6.9x
Sat, 17 Dec 2022₹8.2t₹1.1t₹322.2b28.8x25.4x7.3x
Mon, 14 Nov 2022₹8.1t₹1.1t₹315.5b26.5x25.6x7.5x
Wed, 12 Oct 2022₹8.1t₹987.0b₹298.2b28.6x27.1x8.2x
Fri, 09 Sep 2022₹8.4t₹987.1b₹298.2b26.8x28.1x8.5x
Sun, 07 Aug 2022₹8.3t₹972.9b₹294.7b25.1x28.2x8.5x
Tue, 05 Jul 2022₹6.7t₹790.6b₹236.1b25.6x28.6x8.5x
Thu, 02 Jun 2022₹7.0t₹778.5b₹234.7b24.4x29.9x9x
Sat, 30 Apr 2022₹7.7t₹868.1b₹211.5b30.8x36.4x8.9x
Mon, 28 Mar 2022₹7.8t₹902.0b₹200.8b24.7x38.7x8.6x
Wed, 23 Feb 2022₹7.7t₹904.8b₹200.8b24x38.2x8.5x
Fri, 21 Jan 2022₹8.2t₹854.7b₹183.6b26.7x44.6x9.6x
Sun, 19 Dec 2021₹7.7t₹837.8b₹175.0b22.2x43.9x9.2x
Tue, 16 Nov 2021₹8.7t₹836.1b₹175.5b22.4x49.3x10.4x
Thu, 14 Oct 2021₹8.7t₹805.5b₹160.5b22.1x54.5x10.9x
Sat, 11 Sep 2021₹8.4t₹805.5b₹160.5b18x52.2x10.4x
Mon, 09 Aug 2021₹7.5t₹806.4b₹160.4b19.8x46.6x9.3x
Price to Earnings Ratio

37.8x


Total Market Cap: ₹7.0tTotal Earnings: ₹185.4bTotal Revenue: ₹798.3bTotal Market Cap vs Earnings and Revenue0%0%0%
Indian Consumer Finance Industry Price to Earnings3Y Average 30.5x202220232024
Current Industry PE
  • Investors are pessimistic on the Indian 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 22.0x which is lower than its 3-year average PE of 30.5x.
  • The 3-year average PS ratio of 8.1x is higher than the industry's current PS ratio of 7.0x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 36% per year over the last three years.
  • Revenues for these companies have grown 22% 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 Market1.67%
Financials1.64%
Consumer Finance-0.21%
Consumer Finance-0.21%
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
BAJFINANCE Bajaj Finance₹6.90k2.3%
+₹97.3b
-0.5%PE29.5x
M&MFIN Mahindra & Mahindra Financial Services₹269.251.8%
+₹5.9b
-6.0%PE17.2x
511218 Shriram Finance₹2.38k0.4%
+₹4.0b
69.1%PE12.1x
MUTHOOTFIN Muthoot Finance₹1.71k0.3%
+₹1.9b
53.1%PE16.5x
UJJIVAN Ujjivan Financial Services₹574.451.8%
+₹1.2b
103.8%PE8.5x
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523384

₹150.85

Maha Rashtra Apex

7D

18.8%

1Y

45.9%

531213

₹175.75

Manappuram Finance

7D

-3.4%

1Y

56.8%

SUNDARMFIN

₹4,437.20

Sundaram Finance

7D

-5.9%

1Y

75.3%

534680

₹282.95

SRG Housing Finance

7D

3.8%

1Y

49.0%

511147

₹118.42

WSFx Global Pay

7D

28.2%

1Y

230.8%

MUTHOOTFIN

₹1,708.25

Muthoot Finance

7D

0.3%

1Y

53.1%

M&MFIN

₹269.25

Mahindra & Mahindra Financial Services

7D

1.8%

1Y

-6.0%

532900

₹64.39

Paisalo Digital

7D

-9.1%

1Y

150.6%

511218

₹2,380.35

Shriram Finance

7D

0.4%

1Y

69.1%

CREDITACC

₹1,377.45

CreditAccess Grameen

7D

-3.3%

1Y

13.5%

UJJIVAN

₹574.45

Ujjivan Financial Services

7D

1.8%

1Y

103.8%

POONAWALLA

₹449.05

Poonawalla Fincorp

7D

-3.5%

1Y

31.7%

SBICARD

₹702.80

SBI Cards and Payment Services

7D

-1.7%

1Y

-22.4%