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Malaysian (KLSE) Consumer Finance Industry Analysis
UpdatedFeb 21, 2025
DataAggregated Company Financials
Companies7
- 7D-1.5%
- 3M-14.4%
- 1Y-7.2%
- YTD-6.9%
Over the last 7 days, the Consumer Finance industry has dropped 1.5%, driven by a pullback from RCE Capital Berhad of 4.9%. On the other hand Pappajack Berhad is actually up 6.4%. However, the industry is down 7.2% over the past year. As for the next few years, earnings are expected to grow by 14% per annum.
Industry Valuation and Performance
Has the Malaysian Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 21 Feb 2025 | RM 7.3b | RM 2.6b | RM 586.2m | 15.2x | 12.5x | 2.8x |
| Sun, 19 Jan 2025 | RM 7.6b | RM 2.6b | RM 586.2m | 16x | 12.9x | 2.9x |
| Tue, 17 Dec 2024 | RM 8.0b | RM 2.6b | RM 610.4m | 16.4x | 13.1x | 3.1x |
| Thu, 14 Nov 2024 | RM 8.5b | RM 2.6b | RM 616.1m | 17.9x | 13.8x | 3.3x |
| Sat, 12 Oct 2024 | RM 8.5b | RM 2.6b | RM 616.1m | 17.9x | 13.7x | 3.3x |
| Mon, 09 Sep 2024 | RM 8.6b | RM 2.5b | RM 653.1m | 18.2x | 13.2x | 3.4x |
| Wed, 07 Aug 2024 | RM 8.4b | RM 2.5b | RM 650.6m | 20.1x | 13x | 3.3x |
| Fri, 05 Jul 2024 | RM 7.8b | RM 2.3b | RM 604.3m | 15.6x | 12.8x | 3.4x |
| Sun, 02 Jun 2024 | RM 7.7b | RM 2.3b | RM 590.4m | 15.9x | 13x | 3.4x |
| Tue, 30 Apr 2024 | RM 7.6b | RM 2.3b | RM 593.0m | 16.6x | 12.9x | 3.4x |
| Thu, 28 Mar 2024 | RM 7.0b | RM 2.1b | RM 569.3m | 16.4x | 12.3x | 3.4x |
| Sat, 24 Feb 2024 | RM 7.0b | RM 2.1b | RM 573.3m | 16x | 12.3x | 3.4x |
| Mon, 22 Jan 2024 | RM 7.1b | RM 2.1b | RM 575.5m | 15.7x | 12.3x | 3.4x |
| Wed, 20 Dec 2023 | RM 6.8b | RM 2.0b | RM 573.5m | 16.3x | 11.9x | 3.4x |
| Fri, 17 Nov 2023 | RM 6.9b | RM 2.0b | RM 569.5m | 15.4x | 12.1x | 3.5x |
| Sun, 15 Oct 2023 | RM 6.7b | RM 2.0b | RM 559.7m | 15.3x | 12.1x | 3.5x |
| Tue, 12 Sep 2023 | RM 6.1b | RM 1.8b | RM 507.0m | 13.6x | 12x | 3.3x |
| Thu, 10 Aug 2023 | RM 6.1b | RM 1.8b | RM 507.4m | 11.8x | 11.9x | 3.3x |
| Sat, 08 Jul 2023 | RM 5.9b | RM 1.8b | RM 571.1m | 12.1x | 10.3x | 3.3x |
| Mon, 05 Jun 2023 | RM 5.5b | RM 1.8b | RM 590.1m | 11.5x | 9.3x | 3.1x |
| Wed, 03 May 2023 | RM 5.5b | RM 1.8b | RM 582.4m | 11x | 9.4x | 3.1x |
| Fri, 31 Mar 2023 | RM 5.2b | RM 1.8b | RM 509.0m | 10.6x | 10.2x | 2.9x |
| Sun, 26 Feb 2023 | RM 5.4b | RM 1.8b | RM 509.0m | 10.4x | 10.6x | 3x |
| Tue, 24 Jan 2023 | RM 5.6b | RM 1.8b | RM 505.4m | 10.6x | 11x | 3.1x |
| Thu, 22 Dec 2022 | RM 5.4b | RM 1.8b | RM 519.7m | 10x | 10.3x | 3x |
| Sat, 19 Nov 2022 | RM 5.4b | RM 1.7b | RM 526.3m | 9.9x | 10.3x | 3.1x |
| Mon, 17 Oct 2022 | RM 5.2b | RM 1.7b | RM 519.5m | 10x | 10.1x | 3.1x |
| Wed, 14 Sep 2022 | RM 5.6b | RM 1.7b | RM 505.7m | 10.4x | 11x | 3.3x |
| Fri, 12 Aug 2022 | RM 5.6b | RM 1.7b | RM 496.2m | 12.8x | 11.3x | 3.3x |
| Sun, 10 Jul 2022 | RM 5.5b | RM 1.7b | RM 496.2m | 12.5x | 11x | 3.3x |
| Tue, 07 Jun 2022 | RM 5.9b | RM 1.7b | RM 496.2m | 12.9x | 11.8x | 3.5x |
| Thu, 05 May 2022 | RM 6.2b | RM 1.3b | RM 507.5m | 11.3x | 12.2x | 4.7x |
| Sat, 02 Apr 2022 | RM 6.0b | RM 1.5b | RM 598.5m | 10.6x | 10x | 4x |
| Mon, 28 Feb 2022 | RM 5.4b | RM 1.5b | RM 590.9m | 9.1x | 9.2x | 3.7x |
Price to Earnings Ratio
9.2x
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 11.7x.
- The 3-year average PS ratio of 3.3x is higher than the industry's current PS ratio of 2.8x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have remained mostly flat over the last three years.
- Meanwhile revenues for these companies have grown 22% per year.
- This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased and as a result, profits have held steady.
Industry Trends
Which industries have driven the changes within the Malaysian Financials industry?
| MY Market | -2.08% | |
| Financials | 0.12% | |
| Consumer Finance | -1.51% | |
| Consumer Finance | -1.51% | |
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 | |
|---|---|---|---|---|---|
| PPJACK Pappajack Berhad | RM 1.01 | 5.2% +RM 38.4m | -1.0% | PE34.2x | |
| AEONCR AEON Credit Service (M) Berhad | RM 5.75 | 0.3% +RM 10.2m | -8.7% | PE8.3x | |
| ELKDESA ELK-Desa Resources Berhad | RM 1.14 | 0.9% +RM 4.5m | -5.8% | PE14.8x |