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Polish (WIG) Consumer Finance Industry Analysis
UpdatedJan 20, 2025
DataAggregated Company Financials
Companies7
- 7D0.5%
- 3M-1.8%
- 1Y-10.3%
- YTD0.6%
Over the last 7 days, the Consumer Finance industry has dropped 1.4%, driven by KRUK Spólka Akcyjna declining 1.4%. On the other hand Wierzyciel is actually up 35%. Overall the industry is down 7.2% in 12 months. Earnings are forecast to grow by 2.7% 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 |
|---|---|---|---|---|---|---|
| Mon, 20 Jan 2025 | zł8.2b | zł2.1b | zł1.2b | 8.7x | 6.9x | 3.9x |
| Wed, 18 Dec 2024 | zł8.2b | zł2.1b | zł1.2b | 7.9x | 6.9x | 3.9x |
| Fri, 15 Nov 2024 | zł8.3b | zł2.1b | zł1.2b | 8.4x | 7x | 3.9x |
| Sun, 13 Oct 2024 | zł8.3b | zł2.0b | zł1.1b | 8.1x | 7.8x | 4.1x |
| Tue, 10 Sep 2024 | zł8.2b | zł2.0b | zł1.1b | 7.8x | 7.7x | 4.1x |
| Thu, 08 Aug 2024 | zł8.1b | zł1.9b | zł1.1b | 7.3x | 7.5x | 4.2x |
| Sat, 06 Jul 2024 | zł9.1b | zł1.9b | zł1.1b | 8x | 8.3x | 4.8x |
| Mon, 03 Jun 2024 | zł8.9b | zł1.9b | zł1.1b | 8.1x | 8.1x | 4.6x |
| Wed, 01 May 2024 | zł9.0b | zł1.8b | zł991.6m | 8.4x | 9.1x | 4.9x |
| Fri, 29 Mar 2024 | zł8.6b | zł1.8b | zł1.0b | 10.4x | 8.5x | 4.7x |
| Sun, 25 Feb 2024 | zł8.9b | zł1.8b | zł889.7m | 9.9x | 10x | 5x |
| Tue, 23 Jan 2024 | zł9.1b | zł1.8b | zł899.4m | 8.3x | 10.2x | 5.2x |
| Thu, 21 Dec 2023 | zł9.4b | zł1.8b | zł898.8m | 10.5x | 10.5x | 5.3x |
| Sat, 18 Nov 2023 | zł8.9b | zł1.8b | zł893.2m | 8.9x | 10x | 5.1x |
| Mon, 16 Oct 2023 | zł9.0b | zł1.7b | zł852.5m | 7.8x | 10.5x | 5.3x |
| Wed, 13 Sep 2023 | zł8.1b | zł1.7b | zł852.3m | 7.3x | 9.5x | 4.8x |
| Fri, 11 Aug 2023 | zł8.0b | zł1.6b | zł803.3m | 7.6x | 10x | 5x |
| Sun, 09 Jul 2023 | zł8.0b | zł1.6b | zł803.3m | 6.8x | 9.9x | 4.9x |
| Tue, 06 Jun 2023 | zł7.6b | zł1.6b | zł803.5m | 6.2x | 9.5x | 4.7x |
| Thu, 04 May 2023 | zł7.3b | zł1.6b | zł803.1m | 6.4x | 9.1x | 4.5x |
| Sat, 01 Apr 2023 | zł6.0b | zł1.5b | zł812.7m | 5.8x | 7.4x | 3.9x |
| Mon, 27 Feb 2023 | zł6.4b | zł1.4b | zł813.9m | 6.2x | 7.9x | 4.5x |
| Wed, 25 Jan 2023 | zł6.5b | zł1.4b | zł812.7m | 6.6x | 8.1x | 4.6x |
| Fri, 23 Dec 2022 | zł5.8b | zł1.4b | zł812.7m | 8.7x | 7.2x | 4.1x |
| Sun, 20 Nov 2022 | zł5.6b | zł1.4b | zł806.0m | 9.1x | 6.9x | 3.9x |
| Tue, 18 Oct 2022 | zł5.1b | zł1.3b | zł787.1m | 8.5x | 6.5x | 3.8x |
| Thu, 15 Sep 2022 | zł5.0b | zł1.3b | zł787.1m | 8.8x | 6.3x | 3.7x |
| Sat, 13 Aug 2022 | zł5.5b | zł1.3b | zł810.5m | 9.5x | 6.8x | 4.3x |
| Mon, 11 Jul 2022 | zł5.1b | zł1.3b | zł810.3m | 10.7x | 6.3x | 4x |
| Wed, 08 Jun 2022 | zł5.2b | zł1.3b | zł813.2m | 8.2x | 6.3x | 4.1x |
| Fri, 06 May 2022 | zł4.8b | zł1.3b | zł812.9m | 7.6x | 5.9x | 3.8x |
| Sun, 03 Apr 2022 | zł5.9b | zł1.2b | zł694.7m | 14x | 8.5x | 4.9x |
| Tue, 01 Mar 2022 | zł5.1b | zł1.2b | zł612.2m | 13.6x | 8.3x | 4.3x |
| Thu, 27 Jan 2022 | zł6.4b | zł1.2b | zł610.1m | 14.5x | 10.4x | 5.4x |
Price to Earnings Ratio
10.4x
Current Industry PE
- Investors are pessimistic on the Polish Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 6.9x which is lower than its 3-year average PE of 8.2x.
- The 3-year average PS ratio of 4.5x is higher than the industry's current PS ratio of 3.9x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 25% 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 | 2.86% | |
| Financials | 1.77% | |
| Consumer Finance | 0.48% | |
| Consumer Finance | 0.48% | |
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 | zł420.80 | 0.5% +zł38.8m | -6.9% | PE6.9x | |
| WRL Wierzyciel | zł0.87 | 47.5% +zł2.1m | -14.7% | PS2.4x |