Pakistani (KSE) Consumer Finance Industry Analysis
UpdatedApr 26, 2024
DataAggregated Company Financials
Companies5
- 7D-0.4%
- 3M11.9%
- 1Y25.5%
- YTDn/a
Over the last 7 days, the Consumer Finance industry has dropped 1.9%, driven by a pullback from First Habib Modaraba of 4.3%. Over the past 12 months, the industry was up 33%.
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 |
|---|---|---|---|---|---|---|
| Fri, 26 Apr 2024 | PK₨10.0b | PK₨6.6b | PK₨2.1b | 4.6x | 4.7x | 1.5x |
| Sun, 24 Mar 2024 | PK₨8.1b | PK₨6.6b | PK₨2.1b | 3.6x | 3.8x | 1.2x |
| Tue, 20 Feb 2024 | PK₨7.3b | PK₨9.3b | PK₨2.0b | 4.6x | 3.7x | 0.8x |
| Thu, 18 Jan 2024 | PK₨7.7b | PK₨9.3b | PK₨2.0b | 6.2x | 3.9x | 0.8x |
| Sat, 16 Dec 2023 | PK₨7.8b | PK₨9.3b | PK₨2.0b | 6.2x | 3.9x | 0.8x |
| Mon, 13 Nov 2023 | PK₨6.8b | PK₨9.3b | PK₨2.0b | 6.2x | 3.4x | 0.7x |
| Wed, 11 Oct 2023 | PK₨6.9b | PK₨8.4b | PK₨1.8b | 6.2x | 4x | 0.8x |
| Fri, 08 Sep 2023 | PK₨6.5b | PK₨7.5b | PK₨1.6b | 6.2x | 4x | 0.9x |
| Sun, 06 Aug 2023 | PK₨6.5b | PK₨8.8b | PK₨2.5b | 4.8x | 2.7x | 0.7x |
| Tue, 04 Jul 2023 | PK₨6.4b | PK₨8.8b | PK₨2.5b | 4.7x | 2.6x | 0.7x |
| Thu, 01 Jun 2023 | PK₨6.2b | PK₨8.8b | PK₨2.5b | 4.7x | 2.5x | 0.7x |
| Sat, 29 Apr 2023 | PK₨6.6b | PK₨8.2b | PK₨2.3b | 5x | 2.8x | 0.8x |
| Mon, 27 Mar 2023 | PK₨6.3b | PK₨8.2b | PK₨2.3b | 4.8x | 2.7x | 0.8x |
| Wed, 22 Feb 2023 | PK₨6.4b | PK₨7.3b | PK₨2.0b | 3.9x | 3.2x | 0.9x |
| Fri, 20 Jan 2023 | PK₨6.4b | PK₨7.3b | PK₨2.0b | 3.9x | 3.2x | 0.9x |
| Sun, 18 Dec 2022 | PK₨6.5b | PK₨7.1b | PK₨2.0b | 4x | 3.3x | 0.9x |
| Tue, 15 Nov 2022 | PK₨6.6b | PK₨7.1b | PK₨2.0b | 4.1x | 3.4x | 0.9x |
| Thu, 13 Oct 2022 | PK₨7.4b | PK₨6.0b | PK₨1.4b | 8.5x | 5.3x | 1.2x |
| Sat, 10 Sep 2022 | PK₨7.2b | PK₨5.7b | PK₨1.4b | 6.7x | 5.2x | 1.3x |
| Mon, 08 Aug 2022 | PK₨7.0b | PK₨5.7b | PK₨1.4b | 8.9x | 5.1x | 1.2x |
| Wed, 06 Jul 2022 | PK₨7.0b | PK₨5.7b | PK₨1.4b | 8.7x | 5.1x | 1.2x |
| Fri, 03 Jun 2022 | PK₨7.0b | PK₨5.5b | PK₨1.4b | 8.7x | 5.1x | 1.3x |
| Sun, 01 May 2022 | PK₨7.6b | PK₨5.6b | PK₨1.5b | 5.1x | 5x | 1.3x |
| Tue, 29 Mar 2022 | PK₨7.4b | PK₨5.8b | PK₨1.5b | 5.3x | 4.8x | 1.3x |
| Thu, 24 Feb 2022 | PK₨7.2b | PK₨5.7b | PK₨1.6b | 4.7x | 4.6x | 1.3x |
| Sat, 22 Jan 2022 | PK₨7.3b | PK₨5.7b | PK₨1.6b | 4.8x | 4.7x | 1.3x |
| Mon, 20 Dec 2021 | PK₨7.3b | PK₨5.7b | PK₨1.6b | 4.9x | 4.7x | 1.3x |
| Wed, 17 Nov 2021 | PK₨7.4b | PK₨5.7b | PK₨1.6b | 5x | 4.7x | 1.3x |
| Fri, 15 Oct 2021 | PK₨7.8b | PK₨5.4b | PK₨1.6b | 7.7x | 5x | 1.5x |
| Sun, 12 Sep 2021 | PK₨8.6b | PK₨5.2b | PK₨1.5b | 9.4x | 5.9x | 1.7x |
| Tue, 10 Aug 2021 | PK₨8.7b | PK₨5.2b | PK₨1.5b | 9.4x | 5.9x | 1.7x |
| Mon, 03 May 2021 | PK₨7.8b | PK₨5.2b | PK₨1.5b | 6.9x | 5.3x | 1.5x |
Price to Earnings Ratio
5.3x
Current Industry PE
- Investors are relatively neutral on the Pakistani 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 4.2x.
- The 3-year average PS ratio of 1.1x 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 13% per year over the last three years.
- Revenues for these companies have grown 8.4% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Comparison
How does Pakistani Consumer Finance compare with similar industries?
| PK Market | 1.72% | |
| Financials | 0.84% | |
| Consumer Finance | -0.42% | |
| Consumer Finance | -0.42% | |
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| FHAM First Habib Modaraba | PK₨15.50 | -4.3% PK₨1.6b | 4.0% | PE4.6x | |
| OLPL OLP Financial Services Pakistan | PK₨28.91 | 1.4% +PK₨71.9m | 46.3% | PE3.8x | |
| BRRG BRR Guardian | PK₨14.50 | 3.3% +PK₨43.7m | n/a | n/a |