Investors Give FON SE (WSE:FON) Shares A 52% Hiding
Sep 27
Have your own idea? Try our Stock Screener
Polish (WIG) Consumer Finance Industry Analysis
UpdatedOct 03, 2025
DataAggregated Company Financials
Companies8
- 7D-5.7%
- 3M10.6%
- 1Y3.5%
- YTD7.9%
Over the last 7 days, the Consumer Finance industry has dropped 5.4%, driven by KRUK Spólka Akcyjna declining 5.1%. Over the past 12 months, the industry was up 3.5%. Earnings are forecast to grow by 5.2% annually.
Industry Valuation and Performance
Has the Polish Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 03 Oct 2025 | zł8.9b | zł2.5b | zł1.1b | 8.6x | 8.3x | 3.6x |
| Sun, 31 Aug 2025 | zł8.9b | zł2.4b | zł1.1b | 8.7x | 8.4x | 3.7x |
| Tue, 29 Jul 2025 | zł8.0b | zł2.4b | zł995.9m | 7.9x | 8x | 3.4x |
| Thu, 26 Jun 2025 | zł7.8b | zł2.3b | zł995.7m | 8x | 7.8x | 3.3x |
| Sat, 24 May 2025 | zł7.9b | zł2.3b | zł996.3m | 7.8x | 7.9x | 3.4x |
| Mon, 21 Apr 2025 | zł7.5b | zł2.2b | zł1.1b | 8x | 6.9x | 3.3x |
| Wed, 19 Mar 2025 | zł8.1b | zł2.2b | zł1.1b | 18.2x | 7.5x | 3.6x |
| Fri, 14 Feb 2025 | zł8.8b | zł2.1b | zł1.2b | 18x | 7.4x | 4.2x |
| Sun, 12 Jan 2025 | zł8.4b | zł2.1b | zł1.2b | 8.8x | 7x | 4x |
| Tue, 10 Dec 2024 | zł8.5b | zł2.1b | zł1.2b | 8.2x | 7.2x | 4x |
| Thu, 07 Nov 2024 | zł8.3b | zł2.1b | zł1.2b | 7.7x | 7x | 3.9x |
| Sat, 05 Oct 2024 | zł8.7b | zł2.0b | zł1.1b | 8.2x | 8.2x | 4.3x |
| Mon, 02 Sep 2024 | zł8.7b | zł2.0b | zł1.1b | 8x | 8.2x | 4.3x |
| Wed, 31 Jul 2024 | zł8.7b | zł1.9b | zł1.1b | 7.8x | 8x | 4.6x |
| Fri, 28 Jun 2024 | zł9.0b | zł1.9b | zł1.1b | 7.8x | 8.2x | 4.7x |
| Sun, 26 May 2024 | zł8.9b | zł1.9b | zł1.1b | 8.2x | 8.1x | 4.6x |
| Tue, 23 Apr 2024 | zł8.4b | zł1.8b | zł991.6m | 8.9x | 8.5x | 4.6x |
| Thu, 21 Mar 2024 | zł8.2b | zł1.8b | zł1.0b | 8x | 8.1x | 4.5x |
| Sat, 17 Feb 2024 | zł8.6b | zł1.8b | zł889.6m | 9.6x | 9.7x | 4.9x |
| Mon, 15 Jan 2024 | zł9.5b | zł1.8b | zł899.4m | 8.6x | 10.5x | 5.4x |
| Wed, 13 Dec 2023 | zł9.1b | zł1.8b | zł898.8m | 9.8x | 10.1x | 5.2x |
| Fri, 10 Nov 2023 | zł9.1b | zł1.7b | zł852.4m | 8.3x | 10.6x | 5.4x |
| Sun, 08 Oct 2023 | zł7.9b | zł1.7b | zł852.5m | 7.7x | 9.3x | 4.7x |
| Tue, 05 Sep 2023 | zł7.9b | zł1.7b | zł852.2m | 7.2x | 9.3x | 4.7x |
| Thu, 03 Aug 2023 | zł8.2b | zł1.6b | zł803.3m | 8.3x | 10.2x | 5.1x |
| Sat, 01 Jul 2023 | zł7.9b | zł1.6b | zł802.3m | 7.1x | 9.9x | 4.9x |
| Mon, 29 May 2023 | zł7.5b | zł1.6b | zł803.5m | 6x | 9.3x | 4.6x |
| Wed, 26 Apr 2023 | zł7.6b | zł1.5b | zł812.7m | 6.4x | 9.3x | 4.9x |
| Fri, 24 Mar 2023 | zł5.9b | zł1.5b | zł812.7m | 5.7x | 7.3x | 3.9x |
| Sun, 19 Feb 2023 | zł6.7b | zł1.4b | zł813.5m | 6.4x | 8.2x | 4.6x |
| Tue, 17 Jan 2023 | zł6.3b | zł1.4b | zł812.7m | 6.4x | 7.8x | 4.4x |
| Thu, 15 Dec 2022 | zł5.7b | zł1.4b | zł812.7m | 8x | 7x | 4x |
| Sat, 12 Nov 2022 | zł5.5b | zł1.4b | zł805.4m | 9.9x | 6.8x | 3.8x |
| Mon, 10 Oct 2022 | zł4.8b | zł1.3b | zł787.1m | 8.3x | 6.1x | 3.6x |
Price to Earnings Ratio
6.1x
Current Industry PE
- Investors are relatively neutral on the Polish 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 8.3x.
- The 3-year average PS ratio of 4.3x is higher than the industry's current PS ratio of 3.6x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 11% per year over the last three years.
- Revenues for these companies have grown 22% 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 Polish Financials industry?
| PL Market | 1.82% | |
| Financials | 4.25% | |
| Consumer Finance | -5.74% | |
| Consumer Finance | -5.74% | |
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 | |
|---|---|---|---|---|---|
| INS Indos | zł3.58 | 5.9% +zł1.4m | -2.7% | PE8.7x | |
| LXB LexBono | zł0.15 | 2.1% +zł102.6k | -26.1% | PS4.2x | |
| KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna | zł1.94 | 0.5% +zł98.8k | -30.2% | PE36.2x |