Strong Q1 cash flow reports from inhouse car finance companies have prompted upward revisions in price targets by an average of 9%, with some estimates factoring in continued consumer credit resilience. But Gen Z is beginning to upend that narrative through a broader trend of no longer waiting for life’s big events to buy property. They’re adapting to affordability challenges in ways that set them apart from the Millennials who bought before them. The delay and uncertainty in the approach to be taken by the FCA has left UK firms in an unenviable position of preparing for the unknown. However, many firms will find that Australia can provide some insight on how this might play out. The Australian Securities and Investments Commission’s (ASIC) review of the motor finance industry received limited attention in UK publications. Weekly chart analysis suggests a potential double-bottom pattern forming in several inhouse car finance equities, which could indicate a medium-term bullish reversal if confirmed by volume.