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U.K. (FTSE) Consumer Finance Industry Analysis

UpdatedApr 05, 2026
DataAggregated Company Financials
Companies10
  • 7D3.0%
  • 3M0.8%
  • 1Y61.1%
  • YTD1.6%

S&U is up 11%, leading the way for the Consumer Finance industry, which has gained 3.0%. This takes the industry's 12 month performance to a gain of 61%. As for the next few years, earnings are expected to grow by 20% per annum.

Industry Valuation and Performance

Has the U.K. Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 05 Apr 2026UK£2.0bUK£1.7bUK£251.6m9.1x8.1x1.2x
Tue, 03 Mar 2026UK£2.2bUK£1.7bUK£213.6m10x10.3x1.3x
Thu, 29 Jan 2026UK£2.2bUK£1.7bUK£144.5m6.8x15.3x1.3x
Sat, 27 Dec 2025UK£1.9bUK£1.7bUK£143.1m6.4x13.4x1.2x
Mon, 24 Nov 2025UK£1.8bUK£1.7bUK£94.9m6.2x19.1x1.1x
Wed, 22 Oct 2025UK£1.9bUK£1.7bUK£94.4m6.8x19.8x1.1x
Fri, 19 Sep 2025UK£1.9bUK£1.6bUK£80.9m7.8x23.1x1.1x
Sun, 17 Aug 2025UK£2.0bUK£1.6bUK£69.6m8.2x28.1x1.2x
Tue, 15 Jul 2025UK£2.0bUK£1.9bUK£40.4m9.6x50x1.1x
Thu, 12 Jun 2025UK£2.0bUK£1.9bUK£37.9m9.6x51.8x1x
Sat, 10 May 2025UK£1.7bUK£1.9bUK£32.1m9x52.3x0.9x
Mon, 07 Apr 2025UK£1.4bUK£1.9bUK£32.1m6.5x44.5x0.8x
Wed, 05 Mar 2025UK£1.5bUK£1.9bUK£82.7m7.2x17.7x0.8x
Fri, 31 Jan 2025UK£1.5bUK£1.9bUK£71.1m6.8x20.5x0.7x
Sun, 29 Dec 2024UK£1.3bUK£1.8bUK£61.2m5.9x21.9x0.7x
Tue, 26 Nov 2024UK£1.3bUK£1.8bUK£55.3m5.8x23.7x0.7x
Thu, 24 Oct 2024UK£1.5bUK£1.8bUK£48.2m6.2x30.5x0.8x
Sat, 21 Sep 2024UK£1.4bUK£1.8bUK£46.4m7.5x30.9x0.8x
Mon, 19 Aug 2024UK£1.4bUK£1.8bUK£40.7m8.5x35.6x0.8x
Wed, 17 Jul 2024UK£1.4bUK£1.8bUK£43.3m7.7x31.3x0.8x
Fri, 14 Jun 2024UK£1.3bUK£1.8bUK£43.4m7.7x29.9x0.7x
Sun, 12 May 2024UK£1.3bUK£1.8bUK£43.5m7.8x28.8x0.7x
Tue, 09 Apr 2024UK£1.1bUK£1.8bUK£50.4m6.9x21.4x0.6x
Thu, 07 Mar 2024UK£21.1bUK£6.0bUK£2.0b7.4x10.7x3.5x
Sat, 03 Feb 2024UK£18.8bUK£5.8bUK£1.7b7.7x11.2x3.2x
Mon, 01 Jan 2024UK£18.9bUK£5.8bUK£1.7b8.6x11.3x3.3x
Wed, 29 Nov 2023UK£20.0bUK£5.8bUK£1.6b8.1x12.1x3.5x
Fri, 27 Oct 2023UK£18.7bUK£5.7bUK£1.6b7.7x11.7x3.3x
Sun, 24 Sep 2023UK£19.7bUK£5.3bUK£1.5b8x13.5x3.7x
Tue, 22 Aug 2023UK£18.7bUK£5.4bUK£1.6b7.5x12.1x3.4x
Thu, 20 Jul 2023UK£17.6bUK£5.1bUK£1.7b8.4x10.4x3.4x
Sat, 17 Jun 2023UK£17.2bUK£5.1bUK£1.7b8.4x10.3x3.4x
Mon, 15 May 2023UK£17.6bUK£5.1bUK£1.7b8.8x10.6x3.5x
Wed, 12 Apr 2023UK£15.5bUK£4.8bUK£1.5b8.6x10.3x3.2x
Price to Earnings Ratio

10.3x


Total Market Cap: UK£15.5bTotal Earnings: UK£1.5bTotal Revenue: UK£4.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Consumer Finance Industry Price to Earnings3Y Average 23.4x202420252026
Current Industry PE
  • Investors are pessimistic on the British 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 8.1x which is lower than its 3-year average PE of 23.4x.
  • The 3-year average PS ratio of 1.7x is higher than the industry's current PS ratio of 1.2x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 45% per year over the last three years,
  • Revenues have also declined 29% per year.
  • This means overall sales from these companies are declining and profits are subsequently falling as well.

Industry Trends

Which industries have driven the changes within the U.K. Financials industry?

GB Market4.54%
Financials5.98%
Consumer Finance3.03%
Consumer Finance3.03%
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
SUS S&UUK£20.2011.0%
+UK£24.3m		51.9%PE12.3x
VANQ Vanquis Banking GroupUK£1.188.0%
+UK£22.5m		108.1%PE40.3x
FCH Funding Circle HoldingsUK£1.321.8%
+UK£7.6m		40.0%PE9.1x
0R4W Multitude€6.291.8%
+€2.4m		18.5%PE5.8x
AMGO Amigo ResourcesUK£0.0287.0%
+UK£1.9m		685.7%PE0.6x

Latest News

FCH
UK£1.32
Funding Circle Holdings
7D
1.8%
1Y
40.0%

FCH: Index Inclusions And 2026 Guidance Will Support Bullish Repricing

Analysts have reduced their price target on Funding Circle Holdings by £0.02 to account for slightly lower expected profit margins. This change is partly offset by modestly higher assumed revenue growth and a small adjustment to the discount rate.
AMGO
UK£0.028
Amigo Resources
7D
7.0%
1Y
685.7%
0R4W
€6.29
Multitude
7D
1.8%
1Y
18.5%
SUS
UK£20.20
S&U
7D
11.0%
1Y
51.9%

SUS: Higher Second Interim Dividend Will Support Future Upside Potential

Analysts have kept their fair value estimate for S&U steady at £24.70. A slightly higher discount rate and modestly adjusted future P/E assumptions are guiding the latest price target view.
VANQ
UK£1.18
Vanquis Banking Group
7D
8.0%
1Y
108.1%
ASAI
UK£1.87
ASA International Group
7D
-0.5%
1Y
130.9%

ASAI: Disciplined 2025 Profit Execution Will Support Bullish Earnings Re Rating

Analysts have largely maintained their price target for ASA International Group at around £3.06, reflecting only very small shifts in inputs such as the discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News ASA International Group issued preliminary unaudited earnings guidance for fiscal 2025, indicating an expected net profit of about US$57 million, compared with US$28.5 million in 2024 (Key Developments).
IPF
UK£2.46
International Personal Finance
7D
0%
1Y
77.1%
MFX
UK£0.22
Manx Financial Group
7D
7.3%
1Y
66.0%