Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

U.S. Consumer Finance Industry Analysis

UpdatedSep 25, 2025
DataAggregated Company Financials
Companies56
  • 7D0.4%
  • 3M9.6%
  • 1Y39.5%
  • YTD19.4%

Over the last 7 days, the Consumer Finance industry has remained flat, although notably Kaspi.kz declined by 5.3%. The past year has been better, since the industry has gained 39% in that time. Earnings are forecast to grow by 26% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 25 Sep 2025US$553.5bUS$157.0bUS$21.3b10.8x26x3.5x
Sat, 23 Aug 2025US$503.3bUS$156.6bUS$21.2b10.3x23.7x3.2x
Mon, 21 Jul 2025US$451.2bUS$158.2bUS$24.8b9.7x18.2x2.9x
Wed, 18 Jun 2025US$416.6bUS$156.4bUS$24.9b8.9x16.8x2.7x
Fri, 16 May 2025US$468.1bUS$169.3bUS$29.4b9.6x15.9x2.8x
Sun, 13 Apr 2025US$389.4bUS$166.4bUS$29.4b9.3x13.2x2.3x
Tue, 11 Mar 2025US$429.0bUS$166.7bUS$29.3b10.5x14.6x2.6x
Thu, 06 Feb 2025US$487.8bUS$168.5bUS$28.7b12.7x17x2.9x
Sat, 04 Jan 2025US$455.6bUS$161.0bUS$26.8b11.5x17x2.8x
Mon, 02 Dec 2024US$477.1bUS$161.2bUS$26.4b12.8x18.1x3x
Wed, 30 Oct 2024US$415.8bUS$160.8bUS$26.3b10.4x15.8x2.6x
Fri, 27 Sep 2024US$390.1bUS$158.7bUS$25.7b9.8x15.2x2.5x
Sun, 25 Aug 2024US$385.6bUS$158.4bUS$25.7b10.9x15x2.4x
Tue, 23 Jul 2024US$383.2bUS$158.9bUS$26.6b10x14.4x2.4x
Thu, 20 Jun 2024US$357.9bUS$156.7bUS$25.1b9x14.2x2.3x
Sat, 18 May 2024US$370.1bUS$156.7bUS$25.3b9.7x14.7x2.4x
Mon, 15 Apr 2024US$347.7bUS$154.9bUS$24.4b10.2x14.2x2.2x
Wed, 13 Mar 2024US$327.8bUS$150.5bUS$22.7b10.1x14.4x2.2x
Fri, 09 Feb 2024US$310.3bUS$153.6bUS$22.9b8.6x13.6x2x
Sun, 07 Jan 2024US$298.7bUS$150.0bUS$23.2b8.8x12.9x2x
Tue, 05 Dec 2023US$269.3bUS$150.0bUS$23.1b8.3x11.6x1.8x
Thu, 02 Nov 2023US$231.5bUS$150.0bUS$23.2b7.5x10x1.5x
Sat, 30 Sep 2023US$241.5bUS$149.3bUS$23.0b7.6x10.5x1.6x
Mon, 28 Aug 2023US$251.5bUS$148.9bUS$23.1b7.9x10.9x1.7x
Wed, 26 Jul 2023US$279.9bUS$150.2bUS$23.8b8.2x11.7x1.9x
Fri, 23 Jun 2023US$273.8bUS$150.3bUS$24.6b7.3x11.1x1.8x
Sun, 21 May 2023US$246.2bUS$151.4bUS$25.1b6.3x9.8x1.6x
Tue, 18 Apr 2023US$258.5bUS$152.7bUS$28.3b5.2x9.1x1.7x
Thu, 16 Mar 2023US$247.0bUS$150.9bUS$28.2b4.9x8.8x1.6x
Sat, 11 Feb 2023US$290.8bUS$155.9bUS$29.4b6.2x9.9x1.9x
Mon, 09 Jan 2023US$250.3bUS$154.2bUS$31.9b4.6x7.9x1.6x
Wed, 07 Dec 2022US$253.4bUS$153.7bUS$32.1b4.5x7.9x1.6x
Fri, 04 Nov 2022US$245.8bUS$153.6bUS$32.9b4.8x7.5x1.6x
Sun, 02 Oct 2022US$230.4bUS$155.3bUS$35.7b3.7x6.5x1.5x
Price to Earnings Ratio

6.5x


Total Market Cap: US$230.4bTotal Earnings: US$35.7bTotal Revenue: US$155.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 13.5x202320242025
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 26.0x which is higher than its 3-year average PE of 13.5x.
  • The 3-year average PS ratio of 2.2x is lower than the industry's current PS ratio of 3.5x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 16% 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 Market0.26%
Financials-0.58%
Consumer Finance0.41%
Consumer Finance0.41%
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$340.481.3%
+US$3.1b		27.9%PE23.7x
SOFI SoFi TechnologiesUS$28.444.8%
+US$1.6b		267.9%PE60.6x
FIGR Figure Technology SolutionsUS$40.699.5%
+US$833.4m		n/aPE155.5x
LU Lufax HoldingUS$3.408.3%
+US$225.3m		39.9%PS0.6x
DAVE DaveUS$229.034.7%
+US$139.6m		463.4%PE56.1x

Latest News

AXP
US$340.48
American Express
7D
1.3%
1Y
27.9%
ALLY
US$41.97
Ally Financial
7D
-4.5%
1Y
21.2%
SOFI
US$28.44
SoFi Technologies
7D
4.8%
1Y
267.9%
ATLC
US$66.75
Atlanticus Holdings
7D
-7.0%
1Y
95.2%
UPST
US$60.61
Upstart Holdings
7D
-11.0%
1Y
53.2%
FIGR
US$40.69
Figure Technology Solutions
7D
9.5%
1Y
n/a
DAVE
US$229.03
Dave
7D
4.7%
1Y
463.4%
TREE
US$69.11
LendingTree
7D
-8.8%
1Y
23.4%

Digital Finance And AI Integration Will Create Future Value

LendingTree’s consensus price target was raised from $67.67 to $71.00 as analysts cite strong Q2 results, improved company guidance, and expectations of Fed rate cuts boosting the Mortgage segment. Analyst Commentary Bullish analysts are responding to a "solid" Q2 earnings performance.
CACC
US$485.30
Credit Acceptance
7D
-3.8%
1Y
10.4%
NNI
US$127.07
Nelnet
7D
1.5%
1Y
14.7%
COF
US$224.34
Capital One Financial
7D
-0.6%
1Y
53.3%
SLM
US$28.44
SLM
7D
1.1%
1Y
30.2%
KSPI
US$84.38
Kaspi.kz
7D
-5.3%
1Y
-20.6%

Kazakhstan And Turkey Markets Will Unlock Digital Opportunity

Kaspi.kz’s valuation outlook has shifted as analysts significantly lowered both future P/E and revenue growth expectations, yet the consensus price target only edged up slightly from $111.07 to $112.84. What's in the News Kaspi.kz and Alipay+ have enabled international cross-border QR payments in Kazakhstan, allowing users of 12 Alipay+-enabled apps to pay via Kaspi QR at a wide range of merchants.
FINV
US$7.69
FinVolution Group
7D
-3.5%
1Y
35.6%

Expansion Into International Markets And AI Investments Will Increase Costs But Strengthen Future Prospects

The downward revision in FinVolution Group's Analyst Price Target reflects sharp declines in both future P/E ratio and consensus revenue growth forecasts, with fair value dropping from $11.82 to $11.34. What's in the News Completed repurchase of 3,295,800 shares for $28.04 million, totaling 27,600,104 shares (10.5%) for $150 million under the buyback announced in August 2023.
FCFS
US$150.25
FirstCash Holdings
7D
2.0%
1Y
32.2%
LU
US$3.40
Lufax Holding
7D
8.3%
1Y
39.9%