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Malaysian (KLSE) Consumer Finance Industry Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies7
  • 7D0.9%
  • 3M1.4%
  • 1Y-9.2%
  • YTD-8.8%

Over the last 7 days, the Consumer Finance industry has dropped 1.5%, driven by a pullback from RCE Capital Berhad of 6.5%. However, the industry is down 10% over the past year. Looking forward, earnings are forecast to grow by 10% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025RM 7.1bRM 2.8bRM 639.1m14.7x11.2x2.5x
Fri, 21 Nov 2025RM 7.0bRM 2.7bRM 591.6m15.4x11.8x2.6x
Sun, 19 Oct 2025RM 7.0bRM 2.7bRM 590.2m16x11.8x2.5x
Tue, 16 Sep 2025RM 6.9bRM 2.7bRM 590.2m15.8x11.6x2.6x
Thu, 14 Aug 2025RM 6.6bRM 2.6bRM 585.6m14.7x11.2x2.5x
Sat, 12 Jul 2025RM 6.7bRM 2.6bRM 585.6m14.4x11.5x2.6x
Mon, 09 Jun 2025RM 7.0bRM 2.6bRM 597.5m14.6x11.8x2.7x
Wed, 07 May 2025RM 7.2bRM 2.5bRM 603.0m14.6x11.9x2.8x
Fri, 04 Apr 2025RM 7.4bRM 2.6bRM 586.0m14.6x12.5x2.8x
Sun, 02 Mar 2025RM 7.2bRM 2.6bRM 587.0m15.2x12.3x2.7x
Tue, 28 Jan 2025RM 7.5bRM 2.6bRM 586.2m15.7x12.9x2.9x
Thu, 26 Dec 2024RM 7.9bRM 2.6bRM 586.2m15.8x13.4x3x
Sat, 23 Nov 2024RM 8.5bRM 2.6bRM 605.5m17.5x14.1x3.3x
Mon, 21 Oct 2024RM 8.6bRM 2.6bRM 616.1m17.9x13.9x3.3x
Wed, 18 Sep 2024RM 8.9bRM 2.5bRM 653.1m19.3x13.7x3.5x
Fri, 16 Aug 2024RM 8.8bRM 2.5bRM 656.8m19.9x13.4x3.5x
Sun, 14 Jul 2024RM 7.8bRM 2.3bRM 611.4m15.6x12.7x3.4x
Tue, 11 Jun 2024RM 7.9bRM 2.3bRM 591.5m16x13.3x3.5x
Thu, 09 May 2024RM 7.9bRM 2.3bRM 593.2m16.6x13.2x3.5x
Sat, 06 Apr 2024RM 7.3bRM 2.1bRM 569.3m16.6x12.8x3.5x
Mon, 04 Mar 2024RM 7.2bRM 2.1bRM 567.5m16.1x12.7x3.5x
Wed, 31 Jan 2024RM 7.2bRM 2.1bRM 575.5m16x12.6x3.5x
Fri, 29 Dec 2023RM 7.0bRM 2.1bRM 575.5m16.1x12.2x3.4x
Sun, 26 Nov 2023RM 6.8bRM 2.0bRM 572.2m16.6x11.8x3.4x
Tue, 24 Oct 2023RM 6.5bRM 2.0bRM 559.7m15.3x11.7x3.3x
Thu, 21 Sep 2023RM 6.1bRM 1.8bRM 507.0m13.9x12.1x3.3x
Sat, 19 Aug 2023RM 6.1bRM 1.8bRM 512.1m12.1x11.8x3.3x
Mon, 17 Jul 2023RM 6.0bRM 1.8bRM 507.4m12.1x11.8x3.3x
Wed, 14 Jun 2023RM 5.5bRM 1.8bRM 590.1m11.5x9.3x3.1x
Fri, 12 May 2023RM 5.4bRM 1.8bRM 582.4m11x9.3x3.1x
Sun, 09 Apr 2023RM 5.3bRM 1.8bRM 510.5m10.6x10.3x2.9x
Tue, 07 Mar 2023RM 5.3bRM 1.8bRM 509.0m10.4x10.3x2.9x
Thu, 02 Feb 2023RM 5.5bRM 1.8bRM 505.4m10.6x10.9x3x
Sat, 31 Dec 2022RM 5.4bRM 1.8bRM 499.9m10.1x10.8x3x
Price to Earnings Ratio

10.8x


Total Market Cap: RM 5.4bTotal Earnings: RM 499.9mTotal Revenue: RM 1.8bTotal Market Cap vs Earnings and Revenue0%0%0%
Malaysian Consumer Finance Industry Price to Earnings3Y Average 12x202320242025
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 12.0x.
  • The 3-year average PS ratio of 3.1x is higher than the industry's current PS ratio of 2.5x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 8.5% per year over the last three years.
  • Revenues for these companies have grown 16% 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 Market1.40%
Financials1.82%
Consumer Finance0.90%
Consumer Finance0.90%
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
AEONCR AEON Credit Service (M) BerhadRM 5.652.7%
+RM 76.6m		-9.0%PE7.7x
WELLCHIP Well Chip Group BerhadRM 1.603.2%
+RM 30.0m		39.1%PE12.5x
EMCC Evergreen Max Cash Capital BerhadRM 0.365.8%
+RM 22.4m		2.8%PE13.6x
JOHAN Johan Holdings BerhadRM 0.0320.0%
+RM 5.8m		-33.3%PS1.3x

Latest News

AEONCR
RM 5.65
AEON Credit Service (M) Berhad
7D
2.7%
1Y
-9.0%
ELKDESA
RM 1.11
ELK-Desa Resources Berhad
7D
-0.9%
1Y
-7.5%
RCECAP
RM 1.14
RCE Capital Berhad
7D
-3.4%
1Y
-26.9%
JOHAN
RM 0.03
Johan Holdings Berhad
7D
20.0%
1Y
-33.3%
PPJACK
RM 0.90
Pappajack Berhad
7D
-1.1%
1Y
-6.3%
WELLCHIP
RM 1.60
Well Chip Group Berhad
7D
3.2%
1Y
39.1%
EMCC
RM 0.36
Evergreen Max Cash Capital Berhad
7D
5.8%
1Y
2.8%