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U.S. Consumer Finance Industry Analysis

UpdatedAug 10, 2026
DataAggregated Company Financials
Companies51
  • 7D-0.2%
  • 3M10.7%
  • 1Y8.4%
  • YTD-8.7%

The Consumer Finance industry is up 2.7% in the last week, with Capital One Financial up 4.2%. Meanwhile, Dave actually underperformed within the industry, shrinking 15% in the last week. This means that the industry has gained 8.3% over the past year. Looking forward, 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, 10 Aug 2026US$521.0bUS$200.0bUS$35.2b10x14.8x2.6x
Wed, 08 Jul 2026US$532.6bUS$184.5bUS$27.7b8.9x19.2x2.9x
Fri, 05 Jun 2026US$459.4bUS$184.5bUS$27.9b8.8x16.5x2.5x
Sun, 03 May 2026US$490.0bUS$182.8bUS$27.6b9.8x17.8x2.7x
Tue, 31 Mar 2026US$439.1bUS$175.7bUS$25.6b7.8x17.1x2.5x
Thu, 26 Feb 2026US$483.8bUS$174.9bUS$25.6b8.4x18.9x2.8x
Sat, 24 Jan 2026US$570.0bUS$172.7bUS$25.4b8.7x22.4x3.3x
Mon, 22 Dec 2025US$585.8bUS$168.1bUS$24.3b10x24.1x3.5x
Wed, 19 Nov 2025US$516.9bUS$167.7bUS$24.3b9.9x21.3x3.1x
Fri, 17 Oct 2025US$532.4bUS$157.5bUS$21.6b10x24.7x3.4x
Sun, 14 Sep 2025US$535.7bUS$157.0bUS$21.3b10.6x25.2x3.4x
Tue, 12 Aug 2025US$491.2bUS$155.9bUS$21.0b9.5x23.4x3.2x
Thu, 10 Jul 2025US$457.5bUS$156.8bUS$25.0b10x18.3x2.9x
Sat, 07 Jun 2025US$410.4bUS$156.5bUS$24.9b9.3x16.5x2.6x
Mon, 05 May 2025US$438.1bUS$168.2bUS$29.2b10.2x15x2.6x
Wed, 02 Apr 2025US$426.2bUS$166.5bUS$29.5b11.1x14.5x2.6x
Fri, 28 Feb 2025US$468.1bUS$166.2bUS$29.2b10.8x16x2.8x
Sun, 26 Jan 2025US$499.3bUS$167.8bUS$28.1b12.1x17.8x3x
Tue, 24 Dec 2024US$457.2bUS$161.0bUS$26.4b11.3x17.3x2.8x
Thu, 21 Nov 2024US$447.2bUS$161.3bUS$26.5b12.2x16.9x2.8x
Sat, 19 Oct 2024US$424.2bUS$160.9bUS$26.2b10.5x16.2x2.6x
Mon, 16 Sep 2024US$382.9bUS$158.6bUS$25.7b10.5x14.9x2.4x
Wed, 14 Aug 2024US$360.9bUS$158.7bUS$25.9b11.2x13.9x2.3x
Fri, 12 Jul 2024US$368.6bUS$156.6bUS$25.1b9.4x14.7x2.4x
Sun, 09 Jun 2024US$361.2bUS$156.8bUS$25.3b9.3x14.3x2.3x
Tue, 07 May 2024US$367.5bUS$156.5bUS$25.1b10.1x14.7x2.3x
Thu, 04 Apr 2024US$362.9bUS$154.9bUS$24.4b10.7x14.9x2.3x
Sat, 02 Mar 2024US$327.3bUS$150.5bUS$22.6b9.5x14.5x2.2x
Mon, 29 Jan 2024US$309.0bUS$154.0bUS$22.5b9x13.8x2x
Wed, 27 Dec 2023US$297.2bUS$150.0bUS$23.2b9.1x12.8x2x
Fri, 24 Nov 2023US$249.0bUS$149.6bUS$23.0b7.4x10.8x1.7x
Sun, 22 Oct 2023US$225.6bUS$150.7bUS$23.4b7x9.6x1.5x
Tue, 19 Sep 2023US$253.5bUS$149.3bUS$23.0b7.8x11x1.7x
Thu, 17 Aug 2023US$256.5bUS$149.6bUS$23.3b7.8x11x1.7x
Price to Earnings Ratio

11x


Total Market Cap: US$256.5bTotal Earnings: US$23.3bTotal Revenue: US$149.6bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.8x202420252026
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 14.8x which is lower than its 3-year average PE of 16.8x.
  • 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 Market2.74%
Financials0.52%
Consumer Finance-0.16%
Consumer Finance-0.16%
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
COF Capital One FinancialUS$217.764.2%
+US$5.4b		4.6%PE13.6x
AXP American ExpressUS$340.911.4%
+US$3.1b		14.6%PE20.4x
SOFI SoFi TechnologiesUS$18.3812.7%
+US$2.7b		-16.8%PE37.3x
SYF Synchrony FinancialUS$78.593.7%
+US$911.0m		13.2%PE7.4x
FIGR Figure Technology SolutionsUS$28.6214.9%
+US$820.3m		n/aPE58.7x

Latest News

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