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U.S. Consumer Finance Industry Analysis

UpdatedDec 20, 2024
DataAggregated Company Financials
Companies55
  • 7D-4.0%
  • 3M13.9%
  • 1Y45.1%
  • YTD42.8%

Over the last 7 days, the Consumer Finance industry has dropped 4.0%, driven by a pullback from American Express of 2.4%. This takes the industry's 12 month performance to a gain of 45%. Looking forward, earnings are forecast to grow by 13% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 21 Dec 2024US$445.3bUS$161.0bUS$26.4b11.1x16.9x2.8x
Mon, 18 Nov 2024US$450.3bUS$161.3bUS$26.4b12.3x17.1x2.8x
Wed, 16 Oct 2024US$413.9bUS$158.5bUS$25.6b10x16.1x2.6x
Fri, 13 Sep 2024US$374.6bUS$158.5bUS$25.7b10.3x14.6x2.4x
Sun, 11 Aug 2024US$364.0bUS$158.7bUS$25.9b11.2x14.1x2.3x
Tue, 09 Jul 2024US$365.1bUS$156.5bUS$25.1b9.1x14.6x2.3x
Thu, 06 Jun 2024US$360.1bUS$156.8bUS$25.3b9.3x14.2x2.3x
Sat, 04 May 2024US$362.8bUS$156.4bUS$25.0b9.9x14.5x2.3x
Mon, 01 Apr 2024US$367.3bUS$155.0bUS$24.4b11.2x15x2.4x
Wed, 28 Feb 2024US$322.6bUS$150.5bUS$22.6b9.1x14.2x2.1x
Fri, 26 Jan 2024US$292.6bUS$152.8bUS$22.6b8.8x12.9x1.9x
Sun, 24 Dec 2023US$297.2bUS$150.0bUS$23.2b9x12.8x2x
Tue, 21 Nov 2023US$250.5bUS$149.5bUS$23.0b7.5x10.9x1.7x
Thu, 19 Oct 2023US$240.5bUS$149.1bUS$23.1b7.2x10.4x1.6x
Sat, 16 Sep 2023US$253.0bUS$149.3bUS$23.0b7.9x11x1.7x
Mon, 14 Aug 2023US$269.7bUS$149.8bUS$23.3b8.1x11.6x1.8x
Wed, 12 Jul 2023US$284.9bUS$150.1bUS$24.8b7.6x11.5x1.9x
Fri, 09 Jun 2023US$278.0bUS$150.4bUS$24.5b7.1x11.3x1.8x
Sun, 07 May 2023US$239.7bUS$152.1bUS$25.8b6x9.3x1.6x
Tue, 04 Apr 2023US$255.6bUS$151.1bUS$28.3b5.2x9x1.7x
Thu, 02 Mar 2023US$282.3bUS$152.8bUS$29.0b5.9x9.7x1.8x
Sat, 28 Jan 2023US$289.1bUS$156.9bUS$30.1b5.6x9.6x1.8x
Mon, 26 Dec 2022US$241.7bUS$153.8bUS$31.7b4.4x7.6x1.6x
Wed, 23 Nov 2022US$257.8bUS$153.7bUS$32.4b4.7x8x1.7x
Fri, 21 Oct 2022US$237.4bUS$153.3bUS$35.2b4.2x6.7x1.5x
Sun, 18 Sep 2022US$261.8bUS$155.6bUS$35.7b4.2x7.3x1.7x
Tue, 16 Aug 2022US$289.9bUS$156.2bUS$35.9b4.7x8.1x1.9x
Thu, 14 Jul 2022US$259.6bUS$152.5bUS$39.1b5.6x6.6x1.7x
Sat, 11 Jun 2022US$280.6bUS$152.6bUS$39.2b6.1x7.2x1.8x
Mon, 09 May 2022US$308.9bUS$151.4bUS$39.2b7x7.9x2x
Wed, 06 Apr 2022US$336.2bUS$149.9bUS$41.7b5.8x8.1x2.2x
Fri, 04 Mar 2022US$357.7bUS$157.1bUS$45.0b5.9x7.9x2.3x
Sun, 30 Jan 2022US$353.7bUS$159.1bUS$45.1b6.2x7.8x2.2x
Tue, 28 Dec 2021US$375.3bUS$152.7bUS$44.9b7.2x8.4x2.5x
Price to Earnings Ratio

8.4x


Total Market Cap: US$375.3bTotal Earnings: US$44.9bTotal Revenue: US$152.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 10.9x202220232024
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 16.9x which is higher than its 3-year average PE of 10.9x.
  • The 3-year average PS ratio of 2.0x is lower than the industry's current PS ratio of 2.8x.
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 Market-3.53%
Financials-4.27%
Consumer Finance-4.04%
Consumer Finance-4.04%
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
SLM SLMUS$27.792.2%
+US$129.5m		47.3%PE9.1x
QD QudianUS$2.892.8%
+US$15.2m		35.0%PE97.4x
OPRT Oportun FinancialUS$3.930.8%
+US$1.1m		8.3%PS0.2x
PT Pintec Technology HoldingsUS$0.944.4%
+US$633.9k		-16.8%PS3.3x
JNVR JanoverUS$0.682.9%
+US$213.6k		-30.6%PS4.2x
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COF

US$178.65

Capital One Financial

7D

-3.2%

1Y

37.7%

KSPI

US$98.70

Kaspi.kz

7D

-6.9%

1Y

9.7%

ALLY

US$34.86

Ally Financial

7D

-7.5%

1Y

1.6%

SLM

US$27.79

SLM

7D

2.2%

1Y

47.3%

SYF

US$65.45

Synchrony Financial

7D

-3.8%

1Y

72.5%

OMCC

US$6.05

Old Market Capital

7D

0.5%

1Y

-12.6%

SOFI

US$15.35

SoFi Technologies

7D

-5.5%

1Y

58.1%

UPST

US$68.40

Upstart Holdings

7D

-19.0%

1Y

54.9%

AXP

US$298.65

American Express

7D

-1.2%

1Y

60.9%

OPRT

US$3.93

Oportun Financial

7D

0.8%

1Y

8.3%

MATH

US$1.01

Metalpha Technology Holding

7D

0.5%

1Y

-43.9%

QD

US$2.89

Qudian

7D

2.8%

1Y

35.0%

DFS

US$173.16

Discover Financial Services

7D

-1.6%

1Y

56.0%

JNVR

US$0.68

Janover

7D

2.9%

1Y

-30.6%

PT

US$0.94

Pintec Technology Holdings

7D

4.4%

1Y

-16.8%