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Indian (NIFTY) Consumer Finance Industry Analysis

UpdatedJul 21, 2024
DataAggregated Company Financials
Companies87
  • 7D-0.8%
  • 3M3.2%
  • 1Y8.0%
  • YTDn/a

The Consumer Finance is pretty flat in the last 7 days, but Cholamandalam Investment and Finance has stood out, gaining 3.3%. The past year has been better, since the industry has gained 8.0% in that time. Looking forward, earnings are forecast to grow by 18% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 21 Jul 2024₹10.7t₹1.4t₹473.5b21.8x22.6x7.6x
Tue, 18 Jun 2024₹11.0t₹1.4t₹473.1b22x23.3x7.8x
Thu, 16 May 2024₹10.1t₹1.4t₹465.5b22x21.8x7.2x
Sat, 13 Apr 2024₹10.7t₹1.4t₹451.5b21.2x23.6x7.5x
Mon, 11 Mar 2024₹9.8t₹1.4t₹451.5b21.1x21.6x6.9x
Wed, 07 Feb 2024₹10.0t₹1.4t₹448.3b22.3x22.3x7.1x
Fri, 05 Jan 2024₹10.9t₹1.4t₹446.6b21.4x24.3x7.7x
Sun, 03 Dec 2023₹10.2t₹1.4t₹444.6b20.5x22.9x7.3x
Tue, 31 Oct 2023₹10.0t₹1.4t₹435.2b19.9x23.1x7.4x
Thu, 28 Sep 2023₹10.3t₹1.3t₹416.8b20.4x24.7x7.7x
Sat, 26 Aug 2023₹11.0t₹1.3t₹415.3b20.3x26.6x8.3x
Mon, 24 Jul 2023₹9.9t₹1.3t₹385.7b20.4x25.6x7.8x
Wed, 21 Jun 2023₹9.5t₹1.3t₹383.6b21.1x24.8x7.6x
Fri, 19 May 2023₹8.8t₹1.3t₹377.3b22.1x23.2x6.9x
Sun, 16 Apr 2023₹7.7t₹1.2t₹360.0b21.2x21.5x6.4x
Tue, 14 Mar 2023₹7.5t₹1.2t₹359.9b21.7x20.8x6.2x
Thu, 09 Feb 2023₹7.9t₹1.2t₹352.9b29x22.4x6.7x
Sat, 07 Jan 2023₹7.7t₹1.1t₹322.2b28.4x23.9x6.9x
Mon, 05 Dec 2022₹8.1t₹1.1t₹321.9b26.8x25.2x7.3x
Wed, 02 Nov 2022₹8.1t₹1.1t₹319.4b27.2x25.4x7.7x
Fri, 30 Sep 2022₹8.0t₹987.0b₹298.2b29x26.9x8.1x
Sun, 28 Aug 2022₹8.2t₹987.1b₹298.2b24x27.3x8.3x
Tue, 26 Jul 2022₹7.5t₹882.4b₹246.1b25.7x30.5x8.5x
Thu, 23 Jun 2022₹6.4t₹788.5b₹235.1b23.6x27.2x8.1x
Sat, 21 May 2022₹6.8t₹814.0b₹233.9b25.9x29x8.3x
Mon, 18 Apr 2022₹8.2t₹902.0b₹200.8b29.9x40.6x9x
Wed, 16 Mar 2022₹7.4t₹904.8b₹200.8b24.6x37x8.2x
Fri, 11 Feb 2022₹8.0t₹892.8b₹201.8b26.6x39.7x9x
Sun, 09 Jan 2022₹8.3t₹837.7b₹173.8b23.4x47.5x9.9x
Tue, 07 Dec 2021₹7.9t₹837.8b₹175.0b20.9x45.1x9.4x
Thu, 04 Nov 2021₹8.6t₹842.1b₹177.6b17.9x48.2x10.2x
Sat, 02 Oct 2021₹8.3t₹805.5b₹160.5b22.9x52x10.4x
Mon, 30 Aug 2021₹8.1t₹806.4b₹160.4b20.6x50.7x10.1x
Price to Earnings Ratio

46.9x


Total Market Cap: ₹7.5tTotal Earnings: ₹160.4bTotal Revenue: ₹806.4bTotal Market Cap vs Earnings and Revenue0%0%0%
Indian Consumer Finance Industry Price to Earnings3Y Average 29.5x202220232024
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 22.6x which is lower than its 3-year average PE of 29.5x.
  • The industry is trading close to its 3-year average PS ratio of 8.0x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 43% per year over the last three years.
  • Revenues for these companies have grown 21% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Comparison

How does Indian Consumer Finance compare with similar industries?

IN Market-1.34%
Financials-0.25%
Consumer Finance-0.84%
Consumer Finance-0.84%
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
511243 Cholamandalam Investment and Finance₹1.43k3.3%
+₹38.8b
25.7%PE35x
POONAWALLA Poonawalla Fincorp₹411.801.8%
+₹5.7b
9.7%PE19.2x
CHOLAHLDNG Cholamandalam Financial Holdings₹1.49k1.7%
+₹4.6b
61.4%PE15.8x
511218 Shriram Finance₹2.81k0.4%
+₹4.6b
53.1%PE14.3x
UJJIVAN Ujjivan Financial Services₹574.451.8%
+₹1.2b
103.8%PE8.5x
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Latest News

SBICARD

₹718.60

SBI Cards and Payment Services

7D

-2.7%

1Y

-15.1%

CHOLAHLDNG

₹1,490.35

Cholamandalam Financial Holdings

7D

1.7%

1Y

61.4%

532900

₹72.31

Paisalo Digital

7D

-7.8%

1Y

186.3%

531595

₹212.60

Capri Global Capital

7D

-6.0%

1Y

5.9%

511218

₹2,805.85

Shriram Finance

7D

0.4%

1Y

53.1%

534680

₹389.80

SRG Housing Finance

7D

8.5%

1Y

73.7%

M&MFIN

₹290.25

Mahindra & Mahindra Financial Services

7D

-2.7%

1Y

-7.1%

POONAWALLA

₹411.80

Poonawalla Fincorp

7D

1.8%

1Y

9.7%

BAJFINANCE

₹6,932.30

Bajaj Finance

7D

-1.0%

1Y

-8.6%

508954

₹61.07

Finkurve Financial Services

7D

3.7%

1Y

-20.1%

531213

₹216.60

Manappuram Finance

7D

-3.4%

1Y

67.8%

538446

₹343.50

Moneyboxx Finance

7D

9.9%

1Y

114.6%

UJJIVAN

₹574.45

Ujjivan Financial Services

7D

1.8%

1Y

103.8%