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U.S. Consumer Finance Industry Analysis

UpdatedMay 29, 2025
DataAggregated Company Financials
Companies54
  • 7D2.4%
  • 3M-1.8%
  • 1Y25.2%
  • YTD-0.3%

Over the last 7 days, the Consumer Finance industry has risen 2.4%, driven by gains from American Express of 2.6%. Meanwhile, LexinFintech Holdings actually underperformed within the industry, shrinking 16% in the last week. In the last 12 months, the industry was up 25%. Looking forward, earnings are forecast to grow by 18% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 29 May 2025US$409.2bUS$156.2bUS$24.9b8.8x16.4x2.6x
Sat, 26 Apr 2025US$428.0bUS$167.7bUS$29.1b10.1x14.7x2.6x
Mon, 24 Mar 2025US$427.8bUS$166.8bUS$29.5b11.1x14.5x2.6x
Wed, 19 Feb 2025US$492.8bUS$168.7bUS$28.9b12.6x17x2.9x
Fri, 17 Jan 2025US$476.7bUS$160.9bUS$26.8b11.9x17.8x3x
Sun, 15 Dec 2024US$470.2bUS$161.1bUS$26.4b12.1x17.8x2.9x
Tue, 12 Nov 2024US$451.5bUS$161.3bUS$26.4b12.4x17.1x2.8x
Thu, 10 Oct 2024US$399.3bUS$158.5bUS$25.6b9.9x15.6x2.5x
Sat, 07 Sep 2024US$372.1bUS$158.6bUS$25.7b10.3x14.5x2.3x
Mon, 05 Aug 2024US$359.2bUS$158.6bUS$25.9b9.2x13.9x2.3x
Wed, 03 Jul 2024US$365.7bUS$156.6bUS$25.1b9.2x14.6x2.3x
Fri, 31 May 2024US$363.4bUS$156.6bUS$25.3b9.4x14.4x2.3x
Sun, 28 Apr 2024US$368.8bUS$156.3bUS$25.0b11.3x14.8x2.4x
Tue, 26 Mar 2024US$335.3bUS$150.6bUS$22.6b10.7x14.9x2.2x
Thu, 22 Feb 2024US$321.9bUS$153.5bUS$22.8b8.9x14.1x2.1x
Sat, 20 Jan 2024US$284.7bUS$152.2bUS$22.3b8.5x12.7x1.9x
Mon, 18 Dec 2023US$291.2bUS$150.0bUS$23.2b8.8x12.6x1.9x
Wed, 15 Nov 2023US$240.6bUS$149.3bUS$23.0b7.2x10.5x1.6x
Fri, 13 Oct 2023US$243.1bUS$149.1bUS$23.1b7.4x10.5x1.6x
Sun, 10 Sep 2023US$250.4bUS$149.2bUS$23.0b7.9x10.9x1.7x
Tue, 08 Aug 2023US$276.6bUS$150.1bUS$23.5b8.5x11.8x1.8x
Thu, 06 Jul 2023US$280.6bUS$150.0bUS$24.8b7.4x11.3x1.9x
Sat, 03 Jun 2023US$270.7bUS$150.4bUS$24.5b6.8x11x1.8x
Mon, 01 May 2023US$255.3bUS$151.8bUS$25.5b6.2x10x1.7x
Wed, 29 Mar 2023US$245.8bUS$150.9bUS$28.2b4.9x8.7x1.6x
Fri, 24 Feb 2023US$282.5bUS$155.8bUS$29.1b5.9x9.7x1.8x
Sun, 22 Jan 2023US$261.1bUS$157.5bUS$31.9b4.9x8.2x1.7x
Tue, 20 Dec 2022US$237.1bUS$153.8bUS$31.7b4.3x7.5x1.5x
Thu, 17 Nov 2022US$257.4bUS$154.0bUS$32.5b4.6x7.9x1.7x
Sat, 15 Oct 2022US$235.3bUS$153.6bUS$35.6b4x6.6x1.5x
Mon, 12 Sep 2022US$273.1bUS$155.7bUS$35.8b4.4x7.6x1.8x
Wed, 10 Aug 2022US$274.8bUS$156.2bUS$35.9b4.5x7.6x1.8x
Fri, 08 Jul 2022US$265.5bUS$152.5bUS$39.1b5.6x6.8x1.7x
Sun, 05 Jun 2022US$305.0bUS$152.7bUS$39.2b6.4x7.8x2x
Price to Earnings Ratio

7.8x


Total Market Cap: US$305.0bTotal Earnings: US$39.2bTotal Revenue: US$152.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 12x202320242025
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 16.4x which is higher than its 3-year average PE of 12.0x.
  • The 3-year average PS ratio of 2.1x is lower than the industry's current PS ratio of 2.6x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 14% per year over the last three years.
  • Meanwhile revenues have remained mostly flat.
  • This means that although sales have remained flat, 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 Market0.79%
Financials0.66%
Consumer Finance2.36%
Consumer Finance2.36%
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$293.362.6%
+US$5.2b		24.3%PE20.3x
COF Capital One FinancialUS$191.082.2%
+US$1.6b		40.9%PE16x
SOFI SoFi TechnologiesUS$13.324.1%
+US$574.8m		94.5%PE31.2x
SYF Synchrony FinancialUS$58.311.9%
+US$407.3m		37.6%PE7.7x
DAVE DaveUS$217.1612.1%
+US$311.8m		387.6%PE55x
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