Header cover image

U.S. Consumer Finance Industry Analysis

UpdatedFeb 28, 2024
DataAggregated Company Financials
Companies55
  • 7D2.7%
  • 3M24.9%
  • 1Y18.3%
  • YTD9.1%

Over the last 7 days, the Consumer Finance industry has risen 2.7%, driven by gains from American Express of 3.4%. Meanwhile, Encore Capital Group actually underperformed within the industry, shrinking 10% in the last week. In the last 12 months, the industry was up 18%. Looking forward, earnings are forecast to grow by 14% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 29 Feb 2024US$322.6bUS$150.5bUS$22.6b9.1x14.2x2.1x
Sat, 27 Jan 2024US$296.4bUS$156.0bUS$22.6b9x13.1x1.9x
Mon, 25 Dec 2023US$297.2bUS$150.0bUS$23.2b9x12.8x2x
Wed, 22 Nov 2023US$250.5bUS$149.5bUS$23.0b7.5x10.9x1.7x
Fri, 20 Oct 2023US$234.4bUS$148.7bUS$22.8b7.2x10.3x1.6x
Sun, 17 Sep 2023US$259.2bUS$149.3bUS$23.0b7.9x11.3x1.7x
Tue, 15 Aug 2023US$268.4bUS$149.7bUS$23.3b8.1x11.5x1.8x
Thu, 13 Jul 2023US$286.0bUS$150.2bUS$24.8b7.6x11.5x1.9x
Sat, 10 Jun 2023US$278.0bUS$150.3bUS$24.5b7x11.4x1.8x
Mon, 08 May 2023US$239.7bUS$152.1bUS$25.8b6x9.3x1.6x
Wed, 05 Apr 2023US$254.1bUS$151.1bUS$28.3b5.2x9x1.7x
Fri, 03 Mar 2023US$281.7bUS$152.7bUS$29.0b5.9x9.7x1.8x
Sun, 29 Jan 2023US$289.1bUS$156.9bUS$30.1b5.6x9.6x1.8x
Tue, 27 Dec 2022US$241.7bUS$153.8bUS$31.7b4.4x7.6x1.6x
Thu, 24 Nov 2022US$258.3bUS$153.7bUS$32.4b4.7x8x1.7x
Sat, 22 Oct 2022US$237.6bUS$155.0bUS$35.3b4.2x6.7x1.5x
Mon, 19 Sep 2022US$261.8bUS$155.6bUS$35.7b4.2x7.3x1.7x
Wed, 17 Aug 2022US$291.0bUS$156.1bUS$35.9b4.8x8.1x1.9x
Fri, 15 Jul 2022US$258.2bUS$152.4bUS$39.1b5.6x6.6x1.7x
Sun, 12 Jun 2022US$280.5bUS$152.6bUS$39.2b6.1x7.2x1.8x
Tue, 10 May 2022US$305.9bUS$151.3bUS$39.1b6.3x7.8x2x
Thu, 07 Apr 2022US$333.2bUS$149.9bUS$41.7b5.8x8x2.2x
Sat, 05 Mar 2022US$343.2bUS$157.1bUS$45.0b5.7x7.6x2.2x
Mon, 31 Jan 2022US$353.7bUS$159.4bUS$45.2b6.2x7.8x2.2x
Wed, 29 Dec 2021US$373.4bUS$152.7bUS$44.9b7.2x8.3x2.4x
Fri, 26 Nov 2021US$399.6bUS$152.7bUS$45.0b7.4x8.9x2.6x
Sun, 24 Oct 2021US$438.6bUS$146.7bUS$42.8b7.5x10.2x3x
Tue, 21 Sep 2021US$410.6bUS$144.3bUS$41.5b7.7x9.9x2.8x
Thu, 19 Aug 2021US$400.3bUS$144.5bUS$41.5b6.5x9.6x2.8x
Thu, 03 Jun 2021US$394.2bUS$123.5bUS$28.7b9.2x13.7x3.2x
Sun, 07 Mar 2021US$330.4bUS$108.3bUS$15.8b10.2x21x3.1x
Price to Earnings Ratio

21x


Total Market Cap: US$330.4bTotal Earnings: US$15.8bTotal Revenue: US$108.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 9.7x202220232024
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 14.2x which is higher than its 3-year average PE of 9.7x.
  • The industry is trading close to its 3-year average PS ratio of 2.1x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 13% per year over the last three years.
  • Revenues for these companies have grown 12% 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 Market2.08%
Financials1.72%
Consumer Finance2.67%
Consumer Finance2.67%
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$217.983.4%
+US$5.1b
23.9%PE19.1x
SOFI SoFi TechnologiesUS$9.1512.8%
+US$1.0b
42.1%PS4.3x
COF Capital One FinancialUS$136.821.3%
+US$624.6m
26.0%PE11.4x
SYF Synchrony FinancialUS$41.013.4%
+US$549.2m
14.0%PE7.6x
DFS Discover Financial ServicesUS$122.651.6%
+US$546.1m
8.6%PE10.7x
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.

Latest News

PRG

US$30.16

PROG Holdings

7D

-5.3%

1Y

22.1%

TREE

US$32.62

LendingTree

7D

-6.9%

1Y

-1.4%

LU

US$3.05

Lufax Holding

7D

17.3%

1Y

-67.4%

DFS

US$122.65

Discover Financial Services

7D

1.6%

1Y

8.6%

UPST

US$26.22

Upstart Holdings

7D

7.0%

1Y

46.2%

ECPG

US$47.99

Encore Capital Group

7D

-10.2%

1Y

-9.2%

NNI

US$88.73

Nelnet

7D

-0.4%

1Y

-2.2%

NAVI

US$15.94

Navient

7D

-1.2%

1Y

-11.6%

PRAA

US$25.31

PRA Group

7D

-3.5%

1Y

-40.4%

FCFS

US$116.22

FirstCash Holdings

7D

-0.9%

1Y

31.1%

SYF

US$41.01

Synchrony Financial

7D

3.4%

1Y

14.0%