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U.S. Consumer Finance Industry Analysis

UpdatedSep 14, 2026
DataAggregated Company Financials
Companies52
  • 7D-2.7%
  • 3M-0.3%
  • 1Y-4.7%
  • YTD-11.9%

Over the last 7 days, the Consumer Finance industry has dropped 2.7%, driven by a pullback from Capital One Financial of 5.1%. In contrast, Katapult Holdings has gained 19%. The industry has fallen 3.4% in the last year. Earnings are forecast to grow by 12% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 14 Sep 2026US$503.4bUS$200.0bUS$35.0b9.5x14.4x2.5x
Wed, 12 Aug 2026US$520.0bUS$200.5bUS$35.3b9.5x14.7x2.6x
Fri, 10 Jul 2026US$500.9bUS$184.6bUS$27.8b8.9x18x2.7x
Sun, 07 Jun 2026US$468.6bUS$184.5bUS$27.9b8.6x16.8x2.5x
Tue, 05 May 2026US$490.0bUS$182.8bUS$27.5b9.9x17.8x2.7x
Thu, 02 Apr 2026US$454.8bUS$175.9bUS$25.5b8.1x17.8x2.6x
Sat, 28 Feb 2026US$506.8bUS$175.3bUS$26.0b8.7x19.5x2.9x
Mon, 26 Jan 2026US$552.5bUS$172.7bUS$25.4b8.7x21.7x3.2x
Wed, 24 Dec 2025US$592.7bUS$168.2bUS$24.4b10x24.3x3.5x
Fri, 21 Nov 2025US$520.3bUS$167.9bUS$24.2b9.7x21.5x3.1x
Sun, 19 Oct 2025US$532.7bUS$159.4bUS$22.0b9.8x24.2x3.3x
Tue, 16 Sep 2025US$535.7bUS$157.0bUS$21.3b10.8x25.2x3.4x
Thu, 14 Aug 2025US$505.4bUS$156.1bUS$21.0b9.9x24x3.2x
Sat, 12 Jul 2025US$458.3bUS$156.9bUS$25.0b10x18.3x2.9x
Mon, 09 Jun 2025US$420.9bUS$156.5bUS$24.9b9.3x16.9x2.7x
Wed, 07 May 2025US$439.8bUS$168.3bUS$29.2b9.7x15.1x2.6x
Fri, 04 Apr 2025US$437.0bUS$166.5bUS$29.5b10.4x14.8x2.6x
Sun, 02 Mar 2025US$474.3bUS$166.4bUS$29.3b11x16.2x2.8x
Tue, 28 Jan 2025US$498.1bUS$167.9bUS$28.4b12x17.5x3x
Thu, 26 Dec 2024US$464.7bUS$161.1bUS$26.4b11.5x17.6x2.9x
Sat, 23 Nov 2024US$455.1bUS$161.3bUS$26.4b12.4x17.2x2.8x
Mon, 21 Oct 2024US$417.0bUS$160.4bUS$26.2b10.5x15.9x2.6x
Wed, 18 Sep 2024US$386.0bUS$158.6bUS$25.7b11x15x2.4x
Fri, 16 Aug 2024US$371.0bUS$158.8bUS$25.9b11.6x14.3x2.3x
Sun, 14 Jul 2024US$374.1bUS$156.6bUS$25.1b9.5x14.9x2.4x
Tue, 11 Jun 2024US$361.4bUS$156.8bUS$25.3b9.3x14.3x2.3x
Thu, 09 May 2024US$366.1bUS$156.6bUS$25.2b9.9x14.5x2.3x
Sat, 06 Apr 2024US$355.1bUS$154.9bUS$24.4b10.7x14.5x2.3x
Mon, 04 Mar 2024US$327.6bUS$150.5bUS$22.6b9.5x14.5x2.2x
Wed, 31 Jan 2024US$310.4bUS$154.1bUS$22.5b9x13.8x2x
Fri, 29 Dec 2023US$300.9bUS$150.0bUS$23.2b9.1x13x2x
Sun, 26 Nov 2023US$251.0bUS$150.0bUS$23.1b7.6x10.9x1.7x
Tue, 24 Oct 2023US$226.5bUS$150.0bUS$23.4b6.9x9.7x1.5x
Thu, 21 Sep 2023US$250.4bUS$149.3bUS$23.0b7.7x10.9x1.7x
Price to Earnings Ratio

10.9x


Total Market Cap: US$250.4bTotal Earnings: US$23.0bTotal Revenue: US$149.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.9x202420252026
Current Industry PE
  • Investors are pessimistic on the American 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 14.4x which is lower than its 3-year average PE of 16.9x.
  • The industry is trading close to its 3-year average PS ratio of 2.6x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 15% per year over the last three years.
  • Revenues for these companies have grown 10% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

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

US Market-0.94%
Financials-1.77%
Consumer Finance-2.73%
Consumer Finance-2.73%
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
KPLT Katapult HoldingsUS$9.4319.4%
+US$129.8m		-51.4%n/a
FCFS FirstCash HoldingsUS$228.381.2%
+US$119.7m		56.1%PE25.5x
OPFI OppFiUS$7.987.5%
+US$47.7m		-28.4%PE6.7x
ECPG Encore Capital GroupUS$98.561.3%
+US$26.7m		120.3%PE6.9x
ATLC Atlanticus HoldingsUS$94.461.4%
+US$20.2m		30.9%PE9.9x

Latest News

DAVE
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Dave
7D
-7.9%
1Y
52.9%
KSPI
US$99.89
Kaspi.kz
7D
-7.1%
1Y
18.3%
SOFI
US$17.32
SoFi Technologies
7D
-4.9%
1Y
-37.4%
Narrative Update • Sep 09

SOFI: Record Q2 Performance And Crypto Partnership Will Support Long-Term Upside

Analysts have nudged their fair value estimate for SoFi Technologies higher to about $20.34 per share, reflecting updated price targets in the $19 to $25 range and mixed views on growth, profitability and lending risks. Analyst Commentary Street research on SoFi Technologies presents a split picture.
FIGR
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Figure Technology Solutions
7D
-3.0%
1Y
-6.6%
Narrative Update • Sep 09

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Analysts raised the fair value estimate for Figure Technology Solutions from $31 to $43, citing updated Street research that notes a stronger revenue outlook tied to Figure Connect and a reduced emphasis on valuation concerns as key reasons for the higher price target range in recent reports. Analyst Commentary Recent Street research on Figure Technology Solutions highlights a mixed tone.
OPFI
US$7.98
OppFi
7D
7.5%
1Y
-28.4%
Narrative Update • Sep 09

OPFI: Execution On 2026 Guidance And New Products Will Drive Re Rating

Analysts now point to an updated OppFi fair value estimate of $11.00, up from $9.50, reflecting revised assumptions on revenue growth, discount rate, profit margin and future P/E, even as recent price targets from Stephens and Citizens moved lower on Q2 results and FY26 guidance. Analyst Commentary Recent commentary on OppFi highlights a cautious tone, with bearish analysts trimming price targets following the Q2 update and revised FY26 guidance.
FINV
US$3.40
FinVolution Group
7D
0.3%
1Y
-55.9%
Seeking Alpha • Sep 08

Why I've Added 'Trading Shares' To My FinVolution Holdings

Summary FinVolution Group has been sharply punished by the market due to recent Chinese lending sector turmoil, but I see this as an overreaction. FINV's robust balance sheet, with RMB 12.5 billion in liquidity, and consistent buybacks position the company well for recovery and shareholder value creation. Despite a 50% drop in China loan volume post-Juzi incident, FINV remains profit-focused, prioritizing asset quality and risk controls over scale. Read the full article on Seeking Alpha
ECPG
US$98.56
Encore Capital Group
7D
1.3%
1Y
120.3%
FCFS
US$228.38
FirstCash Holdings
7D
1.2%
1Y
56.1%
WRLD
US$190.75
World Acceptance
7D
0.1%
1Y
12.8%
Seeking Alpha • Sep 03

World Acceptance: A Melting Ice Cube Priced Like A Growth Stock

Summary World Acceptance Corporation makes high-yield small installment loans through 1,000+ branches across 16 southern states. A storefront model in an increasingly app-based lending market. The book mostly refinances itself: 84.4% of Q1 '27 origination volume was refinancing of existing customers, and 76.2% of loans sit with customers of more than two years' tenure. New-customer originations fell 40% YoY as BNPL and paycheck-advance apps capture the young subprime borrower WRLD needs. I see a melting ice cube, and I think it's structural. Despite that, WRLD trades at 24x trailing earnings, 2.4x book, and the highest forward P/E in its subprime peer group. I am not short, but I rate the shares a Sell with a fair value of $95-$130 versus $190 today. Read the full article on Seeking Alpha
AXP
US$324.69
American Express
7D
-0.5%
1Y
-0.8%
Seeking Alpha • Sep 03

American Express Still Earns Its Premium

Summary American Express maintains a Buy rating, driven by resilient premium card growth, robust credit quality, and strong capital returns. Fee-based card adoption remains high, with 70% of new accounts on annual-fee products and card fee revenue growing double digits for 32 consecutive quarters. AXP’s customer base is getting younger, fueling embedded growth as Millennials and Gen Z now account for 65% of new U.S. consumer accounts. Despite a premium 18.4x forward P/E, AXP’s mid-30% ROE, disciplined credit performance, and reinvestment in growth initiatives justify the valuation. Read the full article on Seeking Alpha
COF
US$208.30
Capital One Financial
7D
-5.1%
1Y
-8.0%
Seeking Alpha • Sep 02

Capital One: Resilient Consumer Trends Make Shares Attractive

Summary Capital One Financial is rated a buy, supported by resilient consumer credit trends and strong earnings momentum. COF's Q2 net interest margin rose to 8.01% and earnings reached $5.81, beating expectations by $1.12. Reserve coverage remains robust at 5.02% of loans, and capital returns are strong with a 1.5% yield and aggressive buybacks. I project $20–$21 in 2026 earnings and a $250 price target, underpinned by stable credit and ongoing capital deployment. Read the full article on Seeking Alpha
ALLY
US$42.07
Ally Financial
7D
-3.8%
1Y
-2.3%
JCAP
US$21.38
Jefferson Capital
7D
0.1%
1Y
16.3%
ATLC
US$94.46
Atlanticus Holdings
7D
1.4%
1Y
30.9%
Narrative Update • Aug 21

ATLC: Mercury Integration And AI Credit Platform Are Expected To Unlock Upside

Atlanticus Holdings' analyst fair value estimate has moved from $121.80 to $133.50 as analysts update targets higher, pointing to revised P/E assumptions, slightly adjusted discount rates, and research that cites more favorable loan fair value marks, better than expected performance from the Mercury acquisition, and projections for healthy credit demand. Analyst Commentary Recent Street research on Atlanticus Holdings has been active, with several bullish analysts updating price targets and ratings ahead of upcoming earnings and as they refresh assumptions that feed into valuation models.
SYF
US$75.99
Synchrony Financial
7D
-4.9%
1Y
-0.4%