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Pakistani (KSE) Consumer Finance Industry Analysis

UpdatedDec 08, 2022
DataAggregated Company Financials
Companies6
  • 7D-2.4%
  • 3M-9.5%
  • 1Y-9.2%
  • YTD-10.1%

Last week, the Consumer Finance industry hasn't moved much but Grays Leasing is up 7.6% in that time. As for the longer term, the industry has declined 8.6% in the last year.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 08 Dec 2022PK₨6.6bPK₨7.1bPK₨2.0b4.1x3.4x0.9x
Sat, 05 Nov 2022PK₨6.5bPK₨7.2bPK₨2.0b4.1x3.3x0.9x
Mon, 03 Oct 2022PK₨7.3bPK₨5.7bPK₨1.4b7.7x5.3x1.3x
Wed, 31 Aug 2022PK₨7.3bPK₨5.7bPK₨1.4b8.6x5.3x1.3x
Fri, 29 Jul 2022PK₨6.8bPK₨5.7bPK₨1.4b8.9x5x1.2x
Sun, 26 Jun 2022PK₨6.9bPK₨5.7bPK₨1.4b8.7x5x1.2x
Tue, 24 May 2022PK₨6.8bPK₨5.5bPK₨1.4b8.2x4.9x1.2x
Thu, 21 Apr 2022PK₨7.7bPK₨5.6bPK₨1.5b5.4x5x1.4x
Sat, 19 Mar 2022PK₨7.3bPK₨5.8bPK₨1.5b5x4.8x1.3x
Mon, 14 Feb 2022PK₨7.4bPK₨5.7bPK₨1.6b4.8x4.7x1.3x
Wed, 12 Jan 2022PK₨7.4bPK₨5.7bPK₨1.6b4.9x4.8x1.3x
Fri, 10 Dec 2021PK₨7.4bPK₨5.7bPK₨1.6b4.8x4.7x1.3x
Sun, 07 Nov 2021PK₨7.4bPK₨5.6bPK₨1.5b5.2x4.8x1.3x
Tue, 05 Oct 2021PK₨8.3bPK₨5.5bPK₨1.6b8.9x5.3x1.5x
Thu, 02 Sep 2021PK₨8.5bPK₨5.2bPK₨1.5b9.4x5.8x1.6x
Sat, 31 Jul 2021PK₨8.8bPK₨5.2bPK₨1.5b9.4x6x1.7x
Tue, 04 May 2021PK₨7.8bPK₨5.2bPK₨1.5b6.9x5.3x1.5x
Fri, 05 Feb 2021PK₨8.3bPK₨5.1bPK₨1.3b7.3x6.6x1.6x
Mon, 09 Nov 2020PK₨7.8bPK₨5.3bPK₨1.3b6.4x6x1.5x
Sun, 02 Aug 2020PK₨8.0bPK₨5.5bPK₨1.2b6.6x6.5x1.5x
Wed, 06 May 2020PK₨6.8bPK₨6.1bPK₨1.4b7x4.8x1.1x
Sat, 08 Feb 2020PK₨7.5bPK₨6.2bPK₨1.5b6.6x5x1.2x
Price to Earnings Ratio

5.1x


Total Market Cap: PK₨7.7bTotal Earnings: PK₨1.5bTotal Revenue: PK₨6.2bTotal Market Cap vs Earnings and Revenue0%0%0%
Pakistani Consumer Finance Industry Price to Earnings3Y Average 5.3x20212022
Current Industry PE
  • Investors are pessimistic on the Pakistani 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 3.4x which is lower than its 3-year average PE of 5.3x.
  • The 3-year average PS ratio of 1.4x is higher than the industry's current PS ratio of 0.92x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 9.0% per year over the last three years.
  • Revenues for these companies have grown 4.9% 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 Pakistani Financials industry?

PK Market-1.74%
Financials-0.47%
Consumer Finance-2.42%
Consumer Finance-2.42%
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
GRYL Grays LeasingPK₨3.557.6%
+PK₨5.4m
-10.1%PS4.5x
OLPL OLP Financial Services PakistanPK₨19.800.05%
+PK₨1.8m
-8.8%PE4.1x
FPRM First Paramount ModarabaPK₨6.020.7%
+PK₨551.5k
14.7%PE15.5x
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Latest News

FPRM

PK₨6.02

First Paramount Modaraba

7D

0.7%

1Y

14.7%

HMM

PK₨6.02

Habib Metro Modaraba

7D

-11.1%

1Y

-29.2%

GRYL

PK₨3.55

Grays Leasing

7D

7.6%

1Y

-10.1%

FPJM

PK₨1.50

First Punjab Modaraba

7D

-8.5%

1Y

-38.8%

OLPL

PK₨19.80

OLP Financial Services Pakistan

7D

0.05%

1Y

-8.8%

FHAM

PK₨8.05

First Habib Modaraba

7D

-0.6%

1Y

-10.6%

BRR

PK₨11.75

B.R.R. Guardian Modaraba

7D

-11.0%

1Y

-5.9%