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Pakistani (KSE) Consumer Finance Industry Analysis
UpdatedNov 21, 2024
DataAggregated Company Financials
Companies6
- 7D2.3%
- 3M6.4%
- 1Y30.1%
- YTD24.6%
In the last week, the Consumer Finance industry is up 3.3%, with OLP Financial Services Pakistan up 2.1%. Meanwhile, First Punjab Modaraba actually underperformed within the industry, shrinking 6.1% in the last week. This means that the industry has gained 33% over the past year.
Industry Valuation and Performance
Has the Pakistani Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Thu, 21 Nov 2024 | PK₨9.1b | PK₨7.0b | PK₨2.0b | 4.5x | 4.5x | 1.3x |
| Sat, 19 Oct 2024 | PK₨8.5b | PK₨7.0b | PK₨2.1b | 3.8x | 4.1x | 1.2x |
| Mon, 16 Sep 2024 | PK₨8.5b | PK₨7.4b | PK₨2.0b | 4.2x | 4.3x | 1.2x |
| Wed, 14 Aug 2024 | PK₨8.5b | PK₨7.3b | PK₨2.0b | 3.9x | 4.3x | 1.2x |
| Fri, 12 Jul 2024 | PK₨8.7b | PK₨6.9b | PK₨2.2b | 4.1x | 4x | 1.3x |
| Sun, 09 Jun 2024 | PK₨8.3b | PK₨6.9b | PK₨2.2b | 4.2x | 3.8x | 1.2x |
| Tue, 07 May 2024 | PK₨8.4b | PK₨6.9b | PK₨2.2b | 3.4x | 3.9x | 1.2x |
| Thu, 04 Apr 2024 | PK₨8.5b | PK₨6.6b | PK₨2.1b | 3.9x | 4x | 1.3x |
| Sat, 02 Mar 2024 | PK₨7.6b | PK₨8.5b | PK₨2.0b | 4.5x | 3.8x | 0.9x |
| Mon, 29 Jan 2024 | PK₨7.5b | PK₨9.3b | PK₨2.0b | 6.2x | 3.8x | 0.8x |
| Wed, 27 Dec 2023 | PK₨7.2b | PK₨9.3b | PK₨2.0b | 6.2x | 3.6x | 0.8x |
| Fri, 24 Nov 2023 | PK₨7.1b | PK₨9.3b | PK₨2.0b | 6.2x | 3.5x | 0.8x |
| Sun, 22 Oct 2023 | PK₨6.3b | PK₨8.4b | PK₨1.8b | 6.2x | 3.6x | 0.8x |
| Tue, 19 Sep 2023 | PK₨6.8b | PK₨7.5b | PK₨1.6b | 6.2x | 4.1x | 0.9x |
| Thu, 17 Aug 2023 | PK₨6.7b | PK₨8.8b | PK₨2.5b | 4.8x | 2.7x | 0.8x |
| Sat, 15 Jul 2023 | PK₨6.3b | PK₨8.8b | PK₨2.5b | 4.7x | 2.6x | 0.7x |
| Mon, 12 Jun 2023 | PK₨6.3b | PK₨8.8b | PK₨2.5b | 4.7x | 2.5x | 0.7x |
| Wed, 10 May 2023 | PK₨6.3b | PK₨8.6b | PK₨2.4b | 4.7x | 2.6x | 0.7x |
| Fri, 07 Apr 2023 | PK₨6.2b | PK₨8.2b | PK₨2.3b | 4.8x | 2.6x | 0.8x |
| Sun, 05 Mar 2023 | PK₨6.2b | PK₨7.9b | PK₨2.1b | 3.4x | 2.9x | 0.8x |
| Tue, 31 Jan 2023 | PK₨6.2b | PK₨7.3b | PK₨2.0b | 3.8x | 3.1x | 0.9x |
| Thu, 29 Dec 2022 | PK₨6.4b | PK₨7.1b | PK₨2.0b | 4x | 3.3x | 0.9x |
| Sat, 26 Nov 2022 | PK₨6.7b | PK₨7.1b | PK₨2.0b | 4.1x | 3.4x | 0.9x |
| Mon, 24 Oct 2022 | PK₨6.6b | PK₨6.0b | PK₨1.3b | 8.3x | 4.9x | 1.1x |
| Wed, 21 Sep 2022 | PK₨7.2b | PK₨5.7b | PK₨1.4b | 6.7x | 5.2x | 1.3x |
| Fri, 19 Aug 2022 | PK₨7.4b | PK₨5.7b | PK₨1.4b | 8.7x | 5.3x | 1.3x |
| Sun, 17 Jul 2022 | PK₨6.9b | PK₨5.7b | PK₨1.4b | 8.7x | 5x | 1.2x |
| Tue, 14 Jun 2022 | PK₨7.1b | PK₨5.7b | PK₨1.4b | 8.6x | 5.1x | 1.2x |
| Thu, 12 May 2022 | PK₨6.8b | PK₨5.5b | PK₨1.4b | 6.4x | 4.9x | 1.2x |
| Sat, 09 Apr 2022 | PK₨7.7b | PK₨5.8b | PK₨1.5b | 5.1x | 5x | 1.3x |
| Mon, 07 Mar 2022 | PK₨7.2b | PK₨5.8b | PK₨1.5b | 4.8x | 4.7x | 1.2x |
| Wed, 02 Feb 2022 | PK₨7.4b | PK₨5.7b | PK₨1.6b | 4.9x | 4.7x | 1.3x |
| Fri, 31 Dec 2021 | PK₨7.3b | PK₨5.7b | PK₨1.6b | 4.8x | 4.7x | 1.3x |
| Sun, 28 Nov 2021 | PK₨7.3b | PK₨5.7b | PK₨1.6b | 4.8x | 4.7x | 1.3x |
Price to Earnings Ratio
4.7x
Current Industry PE
- Investors are optimistic on the Pakistani Consumer Finance industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 4.5x which is higher than its 3-year average PE of 4.0x.
- The 3-year average PS ratio of 1.0x is lower than the industry's current PS ratio of 1.3x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 8.7% per year over the last three years.
- Revenues for these companies have grown 6.6% 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 | 2.07% | |
| Financials | 2.30% | |
| Consumer Finance | 2.30% | |
| Consumer Finance | 2.30% | |
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 | |
|---|---|---|---|---|---|
| OLPL OLP Financial Services Pakistan | PK₨31.05 | 3.5% +PK₨184.2m | 39.9% | PE4.1x | |
| FHAM First Habib Modaraba | PK₨16.78 | 3.3% +PK₨59.8m | 15.9% | PE2.7x | |
| FPRM First Paramount Modaraba | PK₨8.24 | 8.0% +PK₨8.4m | -7.4% | PE4.7x |