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Polish (WIG) Consumer Finance Industry Analysis
UpdatedMar 26, 2026
DataAggregated Company Financials
Companies8
- 7D-1.6%
- 3M-8.7%
- 1Y10.7%
- YTD-9.9%
Over the last 7 days, the Consumer Finance industry has dropped 5.0%, driven by a pullback from KRUK Spólka Akcyjna of 1.6%. This takes the industry's 12 month performance to a gain of 4.8%. As for the next few years, earnings are expected to grow by 8.3% per annum.
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 |
|---|---|---|---|---|---|---|
| Thu, 26 Mar 2026 | zł8.8b | zł2.6b | zł1.1b | 6x | 8.1x | 3.4x |
| Sat, 21 Feb 2026 | zł8.9b | zł2.5b | zł1.0b | 6.7x | 8.9x | 3.5x |
| Mon, 19 Jan 2026 | zł9.4b | zł2.5b | zł1.0b | 6.8x | 9.4x | 3.7x |
| Wed, 17 Dec 2025 | zł9.2b | zł2.5b | zł1.0b | 8.1x | 9.2x | 3.6x |
| Fri, 14 Nov 2025 | zł9.1b | zł2.5b | zł998.9m | 9.1x | 9.1x | 3.6x |
| Sun, 12 Oct 2025 | zł8.6b | zł2.5b | zł1.1b | 8.5x | 8.1x | 3.5x |
| Tue, 09 Sep 2025 | zł9.3b | zł2.4b | zł1.1b | 8.9x | 8.7x | 3.8x |
| Thu, 07 Aug 2025 | zł8.1b | zł2.4b | zł995.9m | 8.1x | 8.2x | 3.5x |
| Sat, 05 Jul 2025 | zł8.0b | zł2.4b | zł995.9m | 8.8x | 8x | 3.4x |
| Mon, 02 Jun 2025 | zł7.8b | zł2.4b | zł995.7m | 7.7x | 7.8x | 3.3x |
| Wed, 30 Apr 2025 | zł8.0b | zł2.2b | zł1.1b | 7.3x | 7.4x | 3.6x |
| Fri, 28 Mar 2025 | zł7.9b | zł2.2b | zł1.1b | 7.4x | 7.3x | 3.5x |
| Sun, 23 Feb 2025 | zł8.5b | zł2.1b | zł1.2b | 15.6x | 7.1x | 4x |
| Tue, 21 Jan 2025 | zł8.4b | zł2.1b | zł1.2b | 8.8x | 7x | 4x |
| Thu, 19 Dec 2024 | zł8.3b | zł2.1b | zł1.2b | 7.9x | 6.9x | 3.9x |
| Sat, 16 Nov 2024 | zł8.3b | zł2.1b | zł1.2b | 8.2x | 7x | 3.9x |
| Mon, 14 Oct 2024 | zł8.3b | zł2.0b | zł1.1b | 8.1x | 7.8x | 4.1x |
| Wed, 11 Sep 2024 | zł8.2b | zł2.0b | zł1.1b | 8x | 7.7x | 4.1x |
| Fri, 09 Aug 2024 | zł8.2b | zł1.9b | zł1.1b | 7.5x | 7.5x | 4.3x |
| Sun, 07 Jul 2024 | zł9.1b | zł1.9b | zł1.1b | 8x | 8.3x | 4.8x |
| Tue, 04 Jun 2024 | zł8.9b | zł1.9b | zł1.1b | 7.9x | 8.1x | 4.6x |
| Thu, 02 May 2024 | zł9.0b | zł1.8b | zł991.6m | 8.4x | 9.1x | 4.9x |
| Sat, 30 Mar 2024 | zł8.6b | zł1.8b | zł1.0b | 10.4x | 8.5x | 4.7x |
| Mon, 26 Feb 2024 | zł8.9b | zł1.8b | zł889.7m | 9.9x | 10x | 5x |
| Wed, 24 Jan 2024 | zł8.9b | zł1.8b | zł899.4m | 8.3x | 9.9x | 5x |
| Fri, 22 Dec 2023 | zł9.5b | zł1.8b | zł898.8m | 10.5x | 10.5x | 5.3x |
| Sun, 19 Nov 2023 | zł8.9b | zł1.8b | zł892.6m | 9.1x | 10x | 5.1x |
| Tue, 17 Oct 2023 | zł9.0b | zł1.7b | zł852.4m | 7.9x | 10.5x | 5.3x |
| Thu, 14 Sep 2023 | zł8.1b | zł1.7b | zł852.3m | 7.3x | 9.5x | 4.8x |
| Sat, 12 Aug 2023 | zł8.4b | zł1.6b | zł803.3m | 7.8x | 10.4x | 5.2x |
| Mon, 10 Jul 2023 | zł8.0b | zł1.6b | zł803.3m | 6.8x | 9.9x | 4.9x |
| Wed, 07 Jun 2023 | zł7.8b | zł1.6b | zł803.5m | 6.2x | 9.7x | 4.8x |
| Fri, 05 May 2023 | zł7.1b | zł1.6b | zł803.1m | 6.4x | 8.9x | 4.4x |
| Sun, 02 Apr 2023 | zł6.0b | zł1.5b | zł812.7m | 5.8x | 7.4x | 3.9x |
Price to Earnings Ratio
7.4x
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 7.7x which is lower than its 3-year average PE of 8.6x.
- The 3-year average PS ratio of 4.2x 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 10% per year over the last three years.
- Revenues for these companies have grown 19% 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 | -1.15% | |
| Financials | -0.87% | |
| Consumer Finance | -1.62% | |
| Consumer Finance | -1.62% | |
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 | zł3.70 | 1.6% +zł427.6k | 0% | PE5.8x | |
| WRL Wierzyciel | zł0.57 | 2.1% +zł90.4k | 6.9% | PS1.6x |
