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Malaysian (KLSE) Consumer Finance Industry Analysis

UpdatedSep 25, 2025
DataAggregated Company Financials
Companies7
  • 7D2.7%
  • 3M1.6%
  • 1Y-21.0%
  • YTD-10.0%

Over the last 7 days, the Consumer Finance industry has risen 2.7%, driven by gains from AEON Credit Service (M) Berhad of 4.5%. However, the industry is down 21% over the past year. Earnings are forecast to grow by 12% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 26 Sep 2025RM 7.1bRM 2.7bRM 590.2m16x11.9x2.7x
Sun, 24 Aug 2025RM 6.7bRM 2.7bRM 583.2m15.3x11.4x2.5x
Tue, 22 Jul 2025RM 6.4bRM 2.6bRM 585.6m13.7x10.9x2.4x
Thu, 19 Jun 2025RM 7.0bRM 2.6bRM 597.5m14.3x11.7x2.7x
Sat, 17 May 2025RM 7.4bRM 2.5bRM 602.9m14.9x12.2x2.9x
Mon, 14 Apr 2025RM 7.1bRM 2.5bRM 603.0m14.2x11.7x2.8x
Wed, 12 Mar 2025RM 7.1bRM 2.6bRM 587.0m14.4x12.1x2.7x
Fri, 07 Feb 2025RM 7.4bRM 2.6bRM 586.2m15.8x12.6x2.8x
Sun, 05 Jan 2025RM 7.8bRM 2.6bRM 586.2m15.8x13.3x3x
Tue, 03 Dec 2024RM 8.2bRM 2.6bRM 610.4m15.6x13.5x3.2x
Thu, 31 Oct 2024RM 8.5bRM 2.6bRM 616.1m18.2x13.9x3.3x
Sat, 28 Sep 2024RM 8.7bRM 2.6bRM 611.0m18.8x14.2x3.4x
Mon, 26 Aug 2024RM 8.7bRM 2.5bRM 653.1m19.4x13.3x3.4x
Wed, 24 Jul 2024RM 8.9bRM 2.5bRM 646.7m22.8x13.7x3.5x
Fri, 21 Jun 2024RM 7.8bRM 2.3bRM 604.3m15.5x12.9x3.5x
Sun, 19 May 2024RM 7.9bRM 2.3bRM 593.0m17.2x13.4x3.5x
Tue, 16 Apr 2024RM 7.5bRM 2.3bRM 593.0m16.6x12.6x3.3x
Thu, 14 Mar 2024RM 7.2bRM 2.1bRM 567.5m16.1x12.6x3.4x
Sat, 10 Feb 2024RM 7.3bRM 2.1bRM 574.9m16x12.7x3.5x
Mon, 08 Jan 2024RM 7.2bRM 2.1bRM 575.5m15.8x12.4x3.5x
Wed, 06 Dec 2023RM 6.8bRM 2.0bRM 572.2m16.6x11.9x3.4x
Fri, 03 Nov 2023RM 6.6bRM 2.0bRM 559.7m15.2x11.8x3.4x
Sun, 01 Oct 2023RM 6.8bRM 2.0bRM 559.7m15.8x12.2x3.5x
Tue, 29 Aug 2023RM 6.1bRM 1.8bRM 507.0m13.4x12x3.3x
Thu, 27 Jul 2023RM 6.1bRM 1.8bRM 507.4m11.9x12x3.3x
Sat, 24 Jun 2023RM 5.5bRM 1.8bRM 571.1m11.6x9.6x3.1x
Mon, 22 May 2023RM 5.4bRM 1.8bRM 582.4m11x9.2x3.1x
Wed, 19 Apr 2023RM 5.5bRM 1.8bRM 582.4m10.8x9.4x3.1x
Fri, 17 Mar 2023RM 5.0bRM 1.8bRM 509.0m9.1x9.7x2.7x
Sun, 12 Feb 2023RM 5.5bRM 1.8bRM 505.4m10.6x10.9x3x
Tue, 10 Jan 2023RM 5.5bRM 1.8bRM 499.9m10.4x11x3x
Thu, 08 Dec 2022RM 5.6bRM 1.8bRM 526.3m10.3x10.7x3.2x
Sat, 05 Nov 2022RM 5.3bRM 1.7bRM 519.5m10.1x10.2x3.1x
Mon, 03 Oct 2022RM 5.4bRM 1.7bRM 519.4m10.1x10.4x3.2x
Price to Earnings Ratio

10.4x


Total Market Cap: RM 5.4bTotal Earnings: RM 519.4mTotal Revenue: RM 1.7bTotal Market Cap vs Earnings and Revenue0%0%0%
Malaysian Consumer Finance Industry Price to Earnings3Y Average 11.9x202320242025
Current Industry PE
  • Investors are relatively neutral on the Malaysian 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 11.9x.
  • The 3-year average PS ratio of 3.1x is higher than the industry's current PS ratio of 2.7x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 5.3% per year over the last three years.
  • Revenues for these companies have grown 15% 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 Malaysian Financials industry?

MY Market0.34%
Financials-0.86%
Consumer Finance2.69%
Consumer Finance2.69%
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
RCECAP RCE Capital BerhadRM 1.156.5%
+RM 102.8m		-30.3%PE16.7x
AEONCR AEON Credit Service (M) BerhadRM 5.343.1%
+RM 81.7m		-27.3%PE8x
EMCC Evergreen Max Cash Capital BerhadRM 0.415.1%
+RM 22.3m		7.8%PE15.8x

Latest News

WELLCHIP
RM 1.62
Well Chip Group Berhad
7D
-1.8%
1Y
6.6%
PPJACK
RM 0.93
Pappajack Berhad
7D
-1.1%
1Y
-5.1%
EMCC
RM 0.41
Evergreen Max Cash Capital Berhad
7D
5.1%
1Y
7.8%
RCECAP
RM 1.15
RCE Capital Berhad
7D
6.5%
1Y
-30.3%
AEONCR
RM 5.34
AEON Credit Service (M) Berhad
7D
3.1%
1Y
-27.3%
ELKDESA
RM 1.12
ELK-Desa Resources Berhad
7D
0%
1Y
-8.2%