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U.S. Consumer Finance Industry Analysis

UpdatedDec 15, 2025
DataAggregated Company Financials
Companies55
  • 7D2.9%
  • 3M8.4%
  • 1Y23.4%
  • YTD27.7%

The Consumer Finance industry is up 2.9% in the last week, with American Express up 3.3%. Meanwhile, SLM actually underperformed within the industry, shrinking 12% in the last week. This means that the industry has gained 23% over the past year. As for the next few years, earnings are expected to grow by 24% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 15 Dec 2025US$585.7bUS$168.0bUS$24.3b9.5x24.1x3.5x
Wed, 12 Nov 2025US$558.1bUS$166.6bUS$24.2b10.4x23.1x3.3x
Fri, 10 Oct 2025US$527.8bUS$157.0bUS$21.3b10.4x24.8x3.4x
Sun, 07 Sep 2025US$536.8bUS$156.7bUS$21.2b10.5x25.3x3.4x
Tue, 05 Aug 2025US$483.5bUS$154.8bUS$20.6b9.4x23.5x3.1x
Thu, 03 Jul 2025US$455.1bUS$156.9bUS$25.0b9.7x18.2x2.9x
Sat, 31 May 2025US$408.7bUS$156.2bUS$24.9b8.9x16.4x2.6x
Mon, 28 Apr 2025US$424.1bUS$167.7bUS$29.1b10.1x14.6x2.5x
Wed, 26 Mar 2025US$440.6bUS$166.7bUS$29.5b11.5x14.9x2.6x
Fri, 21 Feb 2025US$495.9bUS$168.9bUS$29.0b12.7x17.1x2.9x
Sun, 19 Jan 2025US$479.2bUS$160.9bUS$26.8b11.9x17.9x3x
Tue, 17 Dec 2024US$470.2bUS$161.0bUS$26.4b12.1x17.8x2.9x
Thu, 14 Nov 2024US$453.9bUS$161.3bUS$26.4b12.3x17.2x2.8x
Sat, 12 Oct 2024US$402.5bUS$158.6bUS$25.7b10.1x15.7x2.5x
Mon, 09 Sep 2024US$372.1bUS$158.6bUS$25.7b10.3x14.5x2.3x
Wed, 07 Aug 2024US$348.7bUS$158.7bUS$25.9b10.2x13.5x2.2x
Fri, 05 Jul 2024US$368.3bUS$156.5bUS$25.1b9.2x14.7x2.4x
Sun, 02 Jun 2024US$367.4bUS$156.7bUS$25.3b9.5x14.5x2.3x
Tue, 30 Apr 2024US$368.0bUS$156.5bUS$25.1b10.9x14.7x2.4x
Thu, 28 Mar 2024US$363.7bUS$154.9bUS$24.4b11x14.9x2.3x
Sat, 24 Feb 2024US$321.2bUS$153.6bUS$22.6b9x14.2x2.1x
Mon, 22 Jan 2024US$286.9bUS$152.2bUS$22.3b8.5x12.8x1.9x
Wed, 20 Dec 2023US$298.0bUS$150.0bUS$23.2b9x12.8x2x
Fri, 17 Nov 2023US$244.7bUS$149.4bUS$23.0b7.2x10.6x1.6x
Sun, 15 Oct 2023US$239.2bUS$149.1bUS$23.1b7.3x10.3x1.6x
Tue, 12 Sep 2023US$251.9bUS$149.3bUS$23.0b7.9x10.9x1.7x
Thu, 10 Aug 2023US$270.6bUS$149.9bUS$23.4b8.2x11.6x1.8x
Sat, 08 Jul 2023US$275.5bUS$150.1bUS$24.8b7.4x11.1x1.8x
Mon, 05 Jun 2023US$270.7bUS$150.4bUS$24.5b6.8x11x1.8x
Wed, 03 May 2023US$239.5bUS$152.2bUS$25.8b5.9x9.3x1.6x
Fri, 31 Mar 2023US$252.3bUS$151.1bUS$28.3b5.1x8.9x1.7x
Sun, 26 Feb 2023US$281.5bUS$155.7bUS$29.1b5.9x9.7x1.8x
Tue, 24 Jan 2023US$266.5bUS$156.9bUS$31.3b5.2x8.5x1.7x
Thu, 22 Dec 2022US$242.7bUS$153.8bUS$31.7b4.4x7.7x1.6x
Price to Earnings Ratio

7.7x


Total Market Cap: US$242.7bTotal Earnings: US$31.7bTotal Revenue: US$153.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 14.7x202320242025
Current Industry PE
  • Investors are optimistic on the American Consumer Finance industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 24.1x which is higher than its 3-year average PE of 14.7x.
  • The 3-year average PS ratio of 2.3x is lower than the industry's current PS ratio of 3.5x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 8.4% per year over the last three years.
  • Meanwhile revenues for these companies have grown 3.0% per year.
  • This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.

Industry Trends

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

US Market-0.59%
Financials2.21%
Consumer Finance2.94%
Consumer Finance2.94%
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
AXP American ExpressUS$382.565.6%
+US$14.0b		26.0%PE25.3x
COF Capital One FinancialUS$237.873.2%
+US$4.6b		28.5%PE131.4x
SYF Synchrony FinancialUS$84.225.6%
+US$1.6b		22.9%PE8.7x
ALLY Ally FinancialUS$45.196.0%
+US$782.5m		20.2%PE26.6x
ENVA Enova InternationalUS$162.7219.7%
+US$664.9m		60.2%PE13.8x

Latest News

ENVA
US$162.72
Enova International
7D
19.7%
1Y
60.2%
DAVE
US$197.61
Dave
7D
-2.4%
1Y
93.7%

DAVE: Reduced Credit Risk Will Drive Future Performance Ahead

Analysts have modestly raised their price target on Dave to about $300 per share, citing reduced risk around Q2 credit performance, easing concerns over JP Morgan and Plaid data pricing, and the potential for new growth avenues including 2026 product launches and a more efficient financing model. Analyst Commentary Bullish Takeaways Bullish analysts see the de-risking of Q2 credit performance as a key support for the higher valuation, arguing that improved credit visibility reduces downside to earnings estimates.
SLM
US$26.89
SLM
7D
-12.8%
1Y
-3.1%
SOFI
US$27.28
SoFi Technologies
7D
-1.2%
1Y
61.6%
QD
US$4.08
Qudian
7D
-9.7%
1Y
52.2%
NRDS
US$14.44
NerdWallet
7D
-4.6%
1Y
7.2%

NRDS: Expanded Sub Prime Focus And Buybacks Will Shape Future Earnings Visibility

Analysts have raised their price target on NerdWallet to $18 from $16, citing higher expected 2025 and 2026 EBITDA driven by improved paid marketing efficiency, a broader product suite focused on sub prime consumers, and growing recurring customer relationships that support stronger earnings visibility and valuation multiples. Analyst Commentary Recent research updates highlight a constructive view on NerdWallet's medium term earnings power, driven by improved marketing efficiency and a more diversified product mix aimed at sub prime consumers.
ALLY
US$45.19
Ally Financial
7D
6.0%
1Y
20.2%
KSPI
US$76.67
Kaspi.kz
7D
3.0%
1Y
-25.7%

KSPI: Discounted Entry After 25% Pullback Will Drive Future Upside

Analysts have nudged their fair value estimate for Kaspi.kz slightly higher from approximately $108.32 to $108.57, citing the stock's recent 25% pullback and its current significant discount to historical forward earnings multiples, despite ongoing regulatory and macro headwinds. Analyst Commentary Analyst sentiment around Kaspi.kz has turned more constructive following the recent share price correction, with upgraded ratings reflecting a view that current levels undervalue the company relative to its historical fundamentals and earnings power.
OMF
US$68.82
OneMain Holdings
7D
6.9%
1Y
23.5%

OMF: Future Results Will Reflect Capital Returns Amid Cautious Credit Environment

Analysts have trimmed their blended price target on OneMain Holdings by a modest amount to approximately $68 per share. This reflects continued recognition of solid Q3 revenue growth and capital returns, along with a slightly more cautious stance on underwriting, consumer credit headwinds, and macro uncertainty.
FINV
US$5.26
FinVolution Group
7D
-1.7%
1Y
-23.4%

FINV: Share Repurchases Will Drive Future Upside Despite Softer Margins

Analysts have modestly reduced their price target on FinVolution Group, citing tempered expectations for revenue growth and slightly lower profit margins. These factors outweigh a marginally higher assumed future P/E multiple.
SYF
US$84.22
Synchrony Financial
7D
5.6%
1Y
22.9%

SYF: Future Shareholder Returns Will Depend On Credit Normalization And Buybacks

Analysts have nudged their average price target for Synchrony Financial higher, reflecting expectations for renewed revenue growth, slightly better credit performance, and incremental upside from buybacks and the Walmart program, and now see upside of roughly $10 to $15 per share from recent target increases across the Street. Analyst Commentary Bullish analysts are increasingly focused on Synchrony's ability to reignite loan growth while keeping credit trends manageable, leading to a steady march higher in price targets across the group.
COF
US$237.87
Capital One Financial
7D
3.2%
1Y
28.5%

COF: Massive Buybacks And Higher Dividend Will Drive Returns Beyond 2025

Capital One Financial's analyst price target has inched higher to reflect a modestly improved outlook for credit quality, net interest margin, and capital return plans, including up to roughly $16B in share repurchases and higher dividends, as analysts factor in strong recent quarterly results and updated multi year buyback assumptions. Analyst Commentary Recent Street research reflects a predominantly constructive view on Capital One, with multiple upward price target revisions and only modest downward adjustments, as analysts recalibrate models for improving credit trends, higher net interest margin, and a more aggressive capital return trajectory.
FCFS
US$163.91
FirstCash Holdings
7D
4.7%
1Y
55.4%

A Near-Perfect Storm For FirstCash Is Driving Healthy Numbers

Dec 02
DFDV
US$5.56
DeFi Development
7D
-10.2%
1Y
710.4%
AXP
US$382.56
American Express
7D
5.6%
1Y
26.0%

AXP: Future Results Will Reflect Execution Strength Amid Mixed Market Sentiment

American Express's analyst price target has been modestly increased by $1 to $351.87. Analysts cite stronger-than-expected revenue expansion, higher profit margins, and improved growth trends, supported by recent upgrades and positive financial results.
MATH
US$2.69
Metalpha Technology Holding
7D
-10.9%
1Y
167.7%