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U.S. Consumer Finance Industry Analysis
UpdatedApr 14, 2025
DataAggregated Company Financials
Companies55
- 7D5.3%
- 3M-14.6%
- 1Y13.5%
- YTD-14.3%
The Consumer Finance industry is up 5.8% in the last week, with American Express up 7.5%. During this same period, the FinVolution Group underperformed, falling 12%. In the last 12 months, the industry was up 13%. As for the next few years, earnings are expected to grow by 12% per annum.
Industry Valuation and Performance
Has the U.S. Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Mon, 14 Apr 2025 | US$388.8b | US$166.4b | US$29.4b | 9.3x | 13.2x | 2.3x |
| Wed, 12 Mar 2025 | US$408.0b | US$166.8b | US$29.4b | 10.6x | 13.9x | 2.4x |
| Fri, 07 Feb 2025 | US$495.2b | US$168.5b | US$28.8b | 11.5x | 17.2x | 2.9x |
| Sun, 05 Jan 2025 | US$462.5b | US$161.0b | US$26.8b | 11.5x | 17.3x | 2.9x |
| Tue, 03 Dec 2024 | US$477.1b | US$161.1b | US$26.4b | 12.7x | 18.1x | 3x |
| Thu, 31 Oct 2024 | US$411.2b | US$160.9b | US$26.3b | 10.8x | 15.6x | 2.6x |
| Sat, 28 Sep 2024 | US$394.0b | US$158.7b | US$25.7b | 9.8x | 15.3x | 2.5x |
| Mon, 26 Aug 2024 | US$385.6b | US$158.4b | US$25.7b | 10.9x | 15x | 2.4x |
| Wed, 24 Jul 2024 | US$382.9b | US$159.2b | US$26.7b | 10.2x | 14.3x | 2.4x |
| Fri, 21 Jun 2024 | US$357.9b | US$156.6b | US$25.1b | 9x | 14.2x | 2.3x |
| Sun, 19 May 2024 | US$371.9b | US$156.7b | US$25.3b | 9.7x | 14.7x | 2.4x |
| Tue, 16 Apr 2024 | US$347.7b | US$154.9b | US$24.4b | 10.2x | 14.2x | 2.2x |
| Thu, 14 Mar 2024 | US$331.8b | US$150.6b | US$22.7b | 10x | 14.6x | 2.2x |
| Sat, 10 Feb 2024 | US$315.2b | US$153.7b | US$22.9b | 8.8x | 13.8x | 2.1x |
| Mon, 08 Jan 2024 | US$298.7b | US$150.0b | US$23.2b | 8.8x | 12.9x | 2x |
| Wed, 06 Dec 2023 | US$269.4b | US$150.0b | US$23.1b | 8.2x | 11.7x | 1.8x |
| Fri, 03 Nov 2023 | US$231.9b | US$150.0b | US$23.2b | 7.4x | 10x | 1.5x |
| Sun, 01 Oct 2023 | US$241.0b | US$149.3b | US$23.0b | 7.6x | 10.5x | 1.6x |
| Tue, 29 Aug 2023 | US$251.5b | US$148.9b | US$23.1b | 7.9x | 10.9x | 1.7x |
| Thu, 27 Jul 2023 | US$280.4b | US$150.0b | US$23.7b | 8.5x | 11.8x | 1.9x |
| Sat, 24 Jun 2023 | US$271.4b | US$150.3b | US$24.6b | 7.3x | 11x | 1.8x |
| Mon, 22 May 2023 | US$246.2b | US$151.4b | US$25.1b | 6.3x | 9.8x | 1.6x |
| Wed, 19 Apr 2023 | US$259.2b | US$152.7b | US$28.3b | 5.3x | 9.2x | 1.7x |
| Fri, 17 Mar 2023 | US$248.3b | US$150.9b | US$28.2b | 4.9x | 8.8x | 1.6x |
| Sun, 12 Feb 2023 | US$290.8b | US$155.9b | US$29.4b | 6.2x | 9.9x | 1.9x |
| Tue, 10 Jan 2023 | US$251.7b | US$154.3b | US$31.9b | 4.6x | 7.9x | 1.6x |
| Thu, 08 Dec 2022 | US$251.7b | US$153.8b | US$32.1b | 4.4x | 7.9x | 1.6x |
| Sat, 05 Nov 2022 | US$246.4b | US$153.7b | US$32.8b | 4.7x | 7.5x | 1.6x |
| Mon, 03 Oct 2022 | US$230.4b | US$155.3b | US$35.7b | 3.7x | 6.5x | 1.5x |
| Wed, 31 Aug 2022 | US$268.4b | US$155.8b | US$35.7b | 4.3x | 7.5x | 1.7x |
| Fri, 29 Jul 2022 | US$266.3b | US$151.9b | US$35.8b | 5.4x | 7.4x | 1.8x |
| Sun, 26 Jun 2022 | US$271.8b | US$152.6b | US$39.1b | 5.7x | 6.9x | 1.8x |
| Tue, 24 May 2022 | US$293.1b | US$152.0b | US$39.4b | 6.5x | 7.4x | 1.9x |
| Thu, 21 Apr 2022 | US$343.3b | US$149.8b | US$41.3b | 6.3x | 8.3x | 2.3x |
Price to Earnings Ratio
8.3x
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 13.2x which is higher than its 3-year average PE of 11.7x.
- The 3-year average PS ratio of 2.1x is lower than the industry's current PS ratio of 2.3x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 11% per year over the last three years.
- Meanwhile revenues for these companies have grown 3.5% 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 | 5.75% | |
| Financials | 5.21% | |
| Consumer Finance | 5.29% | |
| Consumer Finance | 5.29% | |
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 | |
|---|---|---|---|---|---|
| AXP American Express | US$251.13 | 7.2% +US$11.8b | 15.0% | PE17.6x | |
| DFS Discover Financial Services | US$157.04 | 6.8% +US$2.5b | 29.9% | PE8.9x | |
| COF Capital One Financial | US$160.97 | 4.1% +US$2.4b | 15.7% | PE13.8x | |
| SOFI SoFi Technologies | US$10.71 | 8.6% +US$932.1m | 50.4% | PE24.5x | |
| SYF Synchrony Financial | US$46.13 | 5.3% +US$901.9m | 14.2% | PE5.2x |
