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U.S. Consumer Finance Industry Analysis

UpdatedNov 27, 2022
DataAggregated Company Financials
Companies58
  • 7D0.9%
  • 3M-5.3%
  • 1Y-26.0%
  • YTD-25.8%

In the last week, the Consumer Finance industry is flat overall, with Lufax Holding standing out by going down 26%. Unfortunately though, the industry is down 26% over the past 12 months. Earnings are forecast to grow by 2.7% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 27 Nov 2022US$257.7bUS$153.3bUS$32.0b4.7x8.1x1.7x
Tue, 25 Oct 2022US$237.2bUS$155.0bUS$35.3b4.2x6.7x1.5x
Thu, 22 Sep 2022US$253.8bUS$155.4bUS$35.7b4.1x7.1x1.6x
Sat, 20 Aug 2022US$281.5bUS$156.0bUS$35.8b4.6x7.9x1.8x
Mon, 18 Jul 2022US$264.9bUS$152.4bUS$39.1b5.8x6.8x1.7x
Wed, 15 Jun 2022US$265.0bUS$152.5bUS$39.2b6x6.8x1.7x
Fri, 13 May 2022US$285.9bUS$151.8bUS$39.3b6x7.3x1.9x
Sun, 10 Apr 2022US$332.6bUS$149.9bUS$41.7b5.9x8x2.2x
Tue, 08 Mar 2022US$343.1bUS$157.1bUS$45.0b5.3x7.6x2.2x
Thu, 03 Feb 2022US$368.4bUS$159.4bUS$45.3b6.3x8.1x2.3x
Sat, 01 Jan 2022US$373.7bUS$152.7bUS$44.9b7x8.3x2.4x
Mon, 29 Nov 2021US$378.6bUS$152.7bUS$45.0b7.2x8.4x2.5x
Wed, 27 Oct 2021US$425.0bUS$149.9bUS$43.5b7.2x9.8x2.8x
Fri, 24 Sep 2021US$416.3bUS$144.7bUS$41.5b7.9x10x2.9x
Sun, 22 Aug 2021US$402.5bUS$144.5bUS$41.5b6.5x9.7x2.8x
Fri, 09 Jul 2021US$410.7bUS$144.2bUS$41.4b7.5x9.9x2.8x
Thu, 01 Apr 2021US$347.2bUS$123.5bUS$28.7b7.7x12.1x2.8x
Sun, 03 Jan 2021US$294.1bUS$108.3bUS$15.8b9.2x18.7x2.7x
Wed, 07 Oct 2020US$201.0bUS$96.9bUS$10.9b10.8x18.4x2.1x
Tue, 30 Jun 2020US$185.5bUS$98.4bUS$10.7b6.7x17.3x1.9x
Fri, 03 Apr 2020US$152.5bUS$109.2bUS$18.1b5.9x8.4x1.4x
Mon, 06 Jan 2020US$266.5bUS$118.6bUS$25.8b7.5x10.3x2.2x
Price to Earnings Ratio

10x


Total Market Cap: US$264.0bTotal Earnings: US$26.5bTotal Revenue: US$118.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 11.6x202020212022
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 8.1x which is lower than its 3-year average PE of 11.6x.
  • The 3-year average PS ratio of 2.3x is higher than the industry's current PS ratio of 1.7x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 6.4% per year over the last three years.
  • Revenues for these companies have grown 9.1% 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 Market1.26%
Financials1.95%
Consumer Finance0.89%
Consumer Finance0.89%
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$154.151.1%
+US$1.2b
-1.7%PE15.3x
COF Capital One FinancialUS$101.722.8%
+US$1.1b
-31.8%PE4.7x
SYF Synchrony FinancialUS$37.053.2%
+US$522.6m
-22.3%PE5.2x
DFS Discover Financial ServicesUS$108.731.4%
+US$401.6m
-5.1%PE6.8x
OMF OneMain HoldingsUS$38.574.8%
+US$217.5m
-23.0%PE4.9x
Simply Wall St
Simply Wall Street Pty Ltd
17-21 Bellevue Street, Surry Hills, Sydney
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Latest News

UPST

US$18.52

Upstart Holdings

7D

-3.6%

1Y

-91.2%

LU

US$1.40

Lufax Holding

7D

-25.5%

1Y

-76.9%

FINV

US$4.34

FinVolution Group

7D

-6.9%

1Y

-27.4%

QFIN

US$13.22

360 DigiTech

7D

-5.6%

1Y

-43.3%

SLM

US$17.09

SLM

7D

3.6%

1Y

-4.3%

YRD

US$1.17

Yiren Digital

7D

-25.5%

1Y

-66.5%

SYF

US$37.05

Synchrony Financial

7D

3.2%

1Y

-22.3%

LX

US$1.55

LexinFintech Holdings

7D

-12.4%

1Y

-65.2%

COF

US$101.72

Capital One Financial

7D

2.8%

1Y

-31.8%

AXP

US$154.15

American Express

7D

1.1%

1Y

-1.7%

NRDS

US$13.45

NerdWallet

7D

-6.2%

1Y

-40.5%

DFS

US$108.73

Discover Financial Services

7D

1.4%

1Y

-5.1%

FCFS

US$93.32

FirstCash Holdings

7D

3.7%

1Y

45.5%

SOFI

US$4.60

SoFi Technologies

7D

-11.2%

1Y

-74.7%

ALLY

US$26.67

Ally Financial

7D

2.5%

1Y

-44.9%

OMF

US$38.57

OneMain Holdings

7D

4.8%

1Y

-23.0%