Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

Polish (WIG) Consumer Finance Industry Analysis

UpdatedAug 09, 2026
DataAggregated Company Financials
Companies7
  • 7D1.1%
  • 3M0.1%
  • 1Y-0.09%
  • YTD-13.6%

The Consumer Finance industry is up 1.1% in the last week, with KRUK Spólka Akcyjna up 1.1%. During this same period, the DITIX underperformed, falling 7.7%. Overall in the last year, the industry is flat. As for the next few years, earnings are expected to grow by 9.3% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 09 Aug 2026zł8.5bzł2.7bzł1.1b8x7.7x3.2x
Tue, 07 Jul 2026zł8.3bzł2.7bzł1.1b7.7x7.5x3.1x
Thu, 04 Jun 2026zł7.8bzł2.7bzł1.1b7x7.1x2.9x
Sat, 02 May 2026zł8.6bzł2.7bzł1.1b6.1x7.8x3.2x
Mon, 30 Mar 2026zł8.5bzł2.6bzł1.1b5.8x7.8x3.3x
Wed, 25 Feb 2026zł9.0bzł2.5bzł1.0b7.2x9x3.6x
Fri, 23 Jan 2026zł9.4bzł2.5bzł1.0b6.7x9.4x3.7x
Sun, 21 Dec 2025zł9.6bzł2.5bzł1.0b8.2x9.5x3.8x
Tue, 18 Nov 2025zł8.9bzł2.5bzł998.9m9.1x8.9x3.5x
Thu, 16 Oct 2025zł9.1bzł2.5bzł1.1b8.7x8.5x3.7x
Sat, 13 Sep 2025zł9.3bzł2.4bzł1.1b8.8x8.7x3.8x
Mon, 11 Aug 2025zł8.4bzł2.4bzł995.9m8.4x8.5x3.6x
Wed, 09 Jul 2025zł8.0bzł2.4bzł995.9m9.1x8.1x3.4x
Fri, 06 Jun 2025zł7.7bzł2.4bzł995.7m7.7x7.7x3.3x
Sun, 04 May 2025zł8.1bzł2.3bzł996.7m8x8.1x3.4x
Tue, 01 Apr 2025zł7.5bzł2.2bzł1.1b7.4x6.9x3.3x
Thu, 27 Feb 2025zł8.7bzł2.1bzł1.2b16x7.3x4.1x
Sat, 25 Jan 2025zł8.4bzł2.1bzł1.2b10.8x7.1x4x
Mon, 23 Dec 2024zł8.2bzł2.1bzł1.2b7.8x6.9x3.9x
Wed, 20 Nov 2024zł8.0bzł2.1bzł1.2b8.1x6.7x3.8x
Fri, 18 Oct 2024zł8.3bzł2.0bzł1.1b8.2x7.8x4.1x
Sun, 15 Sep 2024zł8.3bzł2.0bzł1.1b8.7x7.8x4.1x
Tue, 13 Aug 2024zł8.3bzł1.9bzł1.1b7.5x7.6x4.3x
Thu, 11 Jul 2024zł9.2bzł1.9bzł1.1b8x8.4x4.8x
Sat, 08 Jun 2024zł8.6bzł1.9bzł1.1b7.8x7.8x4.5x
Mon, 06 May 2024zł9.0bzł1.8bzł991.6m8.2x9x4.9x
Wed, 03 Apr 2024zł8.6bzł1.8bzł991.5m10.5x8.7x4.7x
Fri, 01 Mar 2024zł8.2bzł2.6bzł1.0b8.2x8.1x3.1x
Sun, 28 Jan 2024zł8.9bzł1.8bzł899.4m8.7x9.9x5x
Tue, 26 Dec 2023zł9.5bzł1.8bzł899.4m8.6x10.6x5.4x
Thu, 23 Nov 2023zł9.0bzł1.8bzł888.8m8.9x10.2x5.1x
Sat, 21 Oct 2023zł8.9bzł1.7bzł852.4m7.9x10.5x5.3x
Mon, 18 Sep 2023zł8.1bzł1.7bzł852.3m7.1x9.5x4.8x
Wed, 16 Aug 2023zł8.1bzł1.7bzł852.0m7.9x9.5x4.7x
Price to Earnings Ratio

9.5x


Total Market Cap: zł8.1bTotal Earnings: zł852.0mTotal Revenue: zł1.7bTotal Market Cap vs Earnings and Revenue0%0%0%
Polish Consumer Finance Industry Price to Earnings3Y Average 8.4x202420252026
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 8.4x.
  • The 3-year average PS ratio of 4.0x is higher than the industry's current PS ratio of 3.2x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 9.1% per year over the last three years.
  • Revenues for these companies have grown 16% 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 Market1.96%
Financials0.71%
Consumer Finance1.13%
Consumer Finance1.13%
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
KRU KRUK Spólka Akcyjnazł430.401.1%
+zł93.8m		0.4%PE7.7x
KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjnazł2.083.0%
+zł592.9k		3.0%PE8.4x
WRL Wierzycielzł0.686.6%
+zł316.3k		29.0%PS1.8x
LXB LexBonozł0.0835.8%
+zł158.6k		-42.3%PE23.5x
FON FONzł1.730.3%
+zł32.4k		-78.7%PE6.6x

Latest News

DTX
zł0.22
DITIX
7D
-7.7%
1Y
-16.0%
WRL
zł0.68
Wierzyciel
7D
6.6%
1Y
29.0%
LXB
zł0.083
LexBono
7D
5.8%
1Y
-42.3%
KRU
zł430.40
KRUK Spólka Akcyjna
7D
1.1%
1Y
0.4%
Narrative Update • Jun 14

KRU: Cautious Downgrade Will Set Up Future Dividend Repricing Potential

Analysts have maintained their fair value estimate for KRUK Spólka Akcyjna at PLN 540.40. A slightly lower discount rate and recent cautious research, including Citi's downgrade, highlight a more conservative stance on the stock's risk profile rather than on its long term earnings assumptions.
KPI
zł2.08
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna
7D
3.0%
1Y
3.0%
FON
zł1.73
FON
7D
0.3%
1Y
-78.7%