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Polish (WIG) Consumer Finance Industry Analysis
UpdatedDec 24, 2025
DataAggregated Company Financials
Companies7
- 7D4.9%
- 3M2.6%
- 1Y18.2%
- YTD17.3%
In the last week, the Consumer Finance industry is up 3.0%, with KRUK Spólka Akcyjna up 3.1%. Meanwhile, FON actually underperformed within the industry, shrinking 14% in the last week. This means that the industry has gained 18% over the past year. Earnings are forecast to grow by 7.6% 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 |
|---|---|---|---|---|---|---|
| Wed, 24 Dec 2025 | zł9.7b | zł2.5b | zł999.4m | 7.9x | 9.7x | 3.8x |
| Fri, 21 Nov 2025 | zł9.0b | zł2.5b | zł1.0b | 8.9x | 8.9x | 3.5x |
| Sun, 19 Oct 2025 | zł8.8b | zł2.5b | zł1.1b | 8.7x | 8.2x | 3.6x |
| Tue, 16 Sep 2025 | zł9.3b | zł2.5b | zł1.1b | 8.7x | 8.8x | 3.8x |
| Thu, 14 Aug 2025 | zł8.4b | zł2.3b | zł995.9m | 8.4x | 8.4x | 3.6x |
| Sat, 12 Jul 2025 | zł7.7b | zł2.4b | zł995.9m | 7.7x | 7.8x | 3.3x |
| Mon, 09 Jun 2025 | zł7.8b | zł2.4b | zł995.7m | 7.7x | 7.8x | 3.3x |
| Wed, 07 May 2025 | zł7.9b | zł2.3b | zł996.7m | 7.8x | 7.9x | 3.4x |
| Fri, 04 Apr 2025 | zł7.4b | zł2.2b | zł1.1b | 7.4x | 6.9x | 3.3x |
| Sun, 02 Mar 2025 | zł8.0b | zł2.1b | zł1.2b | 15.6x | 6.7x | 3.8x |
| Tue, 28 Jan 2025 | zł8.4b | zł2.1b | zł1.2b | 10.8x | 7.1x | 4x |
| Thu, 26 Dec 2024 | zł8.1b | zł2.1b | zł1.2b | 7.7x | 6.8x | 3.9x |
| Sat, 23 Nov 2024 | zł8.2b | zł2.1b | zł1.2b | 8.1x | 6.9x | 3.9x |
| Mon, 21 Oct 2024 | zł8.3b | zł2.0b | zł1.1b | 8.3x | 7.9x | 4.1x |
| Wed, 18 Sep 2024 | zł8.4b | zł2.0b | zł1.1b | 8.3x | 7.9x | 4.2x |
| Fri, 16 Aug 2024 | zł8.5b | zł1.9b | zł1.1b | 7.8x | 7.8x | 4.4x |
| Sun, 14 Jul 2024 | zł9.2b | zł1.9b | zł1.1b | 8x | 8.4x | 4.8x |
| Tue, 11 Jun 2024 | zł8.6b | zł1.9b | zł1.1b | 7.8x | 7.8x | 4.5x |
| Thu, 09 May 2024 | zł9.0b | zł1.8b | zł991.6m | 8.4x | 9.1x | 4.9x |
| Sat, 06 Apr 2024 | zł8.9b | zł1.8b | zł991.5m | 10.3x | 8.9x | 4.8x |
| Mon, 04 Mar 2024 | zł8.3b | zł2.6b | zł1.0b | 8.3x | 8.2x | 3.2x |
| Wed, 31 Jan 2024 | zł8.7b | zł1.8b | zł899.4m | 8.2x | 9.7x | 4.9x |
| Fri, 29 Dec 2023 | zł9.6b | zł1.8b | zł899.4m | 8.6x | 10.7x | 5.4x |
| Sun, 26 Nov 2023 | zł8.8b | zł1.8b | zł888.3m | 9.6x | 9.9x | 5x |
| Tue, 24 Oct 2023 | zł8.9b | zł1.7b | zł852.4m | 8.2x | 10.5x | 5.3x |
| Thu, 21 Sep 2023 | zł8.3b | zł1.7b | zł852.3m | 7.2x | 9.8x | 4.9x |
| Sat, 19 Aug 2023 | zł8.0b | zł1.7b | zł852.2m | 7.5x | 9.4x | 4.7x |
| Mon, 17 Jul 2023 | zł8.4b | zł1.6b | zł803.3m | 6.6x | 10.4x | 5.2x |
| Wed, 14 Jun 2023 | zł7.4b | zł1.6b | zł802.3m | 6.3x | 9.3x | 4.6x |
| Fri, 12 May 2023 | zł7.3b | zł1.6b | zł803.1m | 6.5x | 9.1x | 4.5x |
| Sun, 09 Apr 2023 | zł6.4b | zł1.5b | zł812.7m | 6.1x | 7.8x | 4.2x |
| Tue, 07 Mar 2023 | zł6.6b | zł1.4b | zł813.9m | 6.3x | 8.1x | 4.6x |
| Thu, 02 Feb 2023 | zł6.8b | zł1.4b | zł812.7m | 6.8x | 8.3x | 4.7x |
| Sat, 31 Dec 2022 | zł6.1b | zł1.4b | zł812.7m | 8.3x | 7.5x | 4.2x |
Price to Earnings Ratio
7.5x
Current Industry PE
- Investors are optimistic on the Polish Consumer Finance industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 9.7x which is higher than its 3-year average PE of 8.5x.
- The 3-year average PS ratio of 4.3x is higher than the industry's current PS ratio of 3.8x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 7.2% per year over the last three years.
- Revenues for these companies have grown 21% 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 | 1.74% | |
| Financials | 2.10% | |
| Consumer Finance | 4.91% | |
| Consumer Finance | 4.91% | |
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 | |
|---|---|---|---|---|---|
| KRU KRUK Spólka Akcyjna | zł492.30 | 5.0% +zł454.2m | 18.5% | PE9.7x |