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U.S. Consumer Finance Industry Analysis

UpdatedMay 01, 2026
DataAggregated Company Financials
Companies57
  • 7D-0.5%
  • 3M-8.3%
  • 1Y15.8%
  • YTD-15.0%

In the last week, Consumer Finance has been flat. As for the the longer term, the industry is up 16% over the past 12 months. Looking forward, earnings are forecast to grow by 19% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 01 May 2026US$483.7bUS$182.7bUS$27.5b10.1x17.6x2.6x
Sun, 29 Mar 2026US$439.3bUS$175.6bUS$25.6b7.7x17.1x2.5x
Tue, 24 Feb 2026US$511.8bUS$174.9bUS$25.7b8.1x20x2.9x
Thu, 22 Jan 2026US$556.2bUS$168.6bUS$24.6b8.8x22.6x3.3x
Sat, 20 Dec 2025US$582.3bUS$168.1bUS$24.3b10x23.9x3.5x
Mon, 17 Nov 2025US$540.5bUS$167.7bUS$24.3b9.9x22.2x3.2x
Wed, 15 Oct 2025US$519.3bUS$157.0bUS$21.3b10.1x24.4x3.3x
Fri, 12 Sep 2025US$530.8bUS$157.1bUS$21.3b10.5x24.9x3.4x
Sun, 10 Aug 2025US$490.8bUS$156.0bUS$21.0b9.4x23.3x3.1x
Tue, 08 Jul 2025US$465.5bUS$156.8bUS$25.0b9.9x18.6x3x
Thu, 05 Jun 2025US$413.4bUS$156.5bUS$24.9b9x16.6x2.6x
Sat, 03 May 2025US$424.6bUS$168.2bUS$29.2b10.2x14.5x2.5x
Mon, 31 Mar 2025US$419.4bUS$166.5bUS$29.5b10.5x14.2x2.5x
Wed, 26 Feb 2025US$469.7bUS$166.2bUS$29.2b10.7x16.1x2.8x
Fri, 24 Jan 2025US$497.6bUS$166.3bUS$27.9b11.4x17.8x3x
Sun, 22 Dec 2024US$457.2bUS$161.0bUS$26.4b11.3x17.3x2.8x
Tue, 19 Nov 2024US$450.3bUS$161.3bUS$26.4b12.2x17.1x2.8x
Thu, 17 Oct 2024US$420.6bUS$158.4bUS$25.6b10.3x16.4x2.7x
Sat, 14 Sep 2024US$381.3bUS$158.6bUS$25.7b10.5x14.9x2.4x
Mon, 12 Aug 2024US$364.0bUS$158.7bUS$25.9b11.2x14.1x2.3x
Wed, 10 Jul 2024US$364.4bUS$156.5bUS$25.1b9x14.5x2.3x
Fri, 07 Jun 2024US$360.4bUS$156.8bUS$25.3b9.3x14.3x2.3x
Sun, 05 May 2024US$363.0bUS$156.4bUS$25.0b9.9x14.5x2.3x
Tue, 02 Apr 2024US$367.3bUS$154.9bUS$24.4b11.1x15x2.4x
Thu, 29 Feb 2024US$326.2bUS$150.5bUS$22.6b9x14.5x2.2x
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
Price to Earnings Ratio

9.3x


Total Market Cap: US$239.7bTotal Earnings: US$25.8bTotal Revenue: US$152.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.2x202420252026
Current Industry PE
  • Investors are relatively neutral on the American Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 16.2x.
  • The industry is trading close to its 3-year average PS ratio of 2.5x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 2.2% per year over the last three years.
  • Revenues for these companies have grown 6.3% 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 Market0.59%
Financials0.58%
Consumer Finance-0.55%
Consumer Finance-0.55%
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$323.051.4%
+US$3.1b		20.3%PE19.9x
FIGR Figure Technology SolutionsUS$35.108.9%
+US$771.8m		n/aPE124.8x
FCFS FirstCash HoldingsUS$218.222.8%
+US$226.8m		64.5%PE27x
PRG PROG HoldingsUS$35.8314.2%
+US$178.3m		34.5%PE11.4x
KSPI Kaspi.kzUS$85.840.8%
+US$127.5m		-3.7%PE7x

Latest News

SOFI
US$16.10
SoFi Technologies
7D
-12.1%
1Y
28.7%
PRG
US$35.83
PROG Holdings
7D
14.2%
1Y
34.5%
CACC
US$504.91
Credit Acceptance
7D
-2.5%
1Y
7.9%
OMF
US$58.77
OneMain Holdings
7D
-0.4%
1Y
23.5%

OneMain Holdings: A 7.2% Yielder With Ample Margin Of Safety

Apr 30
EZPW
US$32.78
EZCORP
7D
3.3%
1Y
109.2%

Ezcorp's Growth And Earnings Strength Makes It A Good Buy In An Uncertain Economy

Apr 30
UPST
US$31.58
Upstart Holdings
7D
-3.8%
1Y
-33.8%

UPST: Bank Charter Pursuit And GenAI Underwriting Are Expected To Drive Upside

Analysts have trimmed their average price target for Upstart Holdings, with fair value estimates moving from about $56.64 to $43.93 as several firms cut targets by $4 to $15 while highlighting mixed views on funding risk, earnings potential, and the impact of the company's bank charter ambitions. Analyst Commentary Recent research on Upstart shows a split between analysts who see improving risk and earnings potential and those who remain cautious on funding, macro sensitivity, and valuation.
BFH
US$84.78
Bread Financial Holdings
7D
-8.0%
1Y
77.4%
FIGR
US$35.10
Figure Technology Solutions
7D
8.9%
1Y
n/a
FINV
US$4.96
FinVolution Group
7D
5.1%
1Y
-37.9%

FINV: Share Buybacks And Dividend Policy Will Support Future Upside Potential

Analysts have kept their fair value estimate for FinVolution Group broadly unchanged at about $7.61 per share, with only slight tweaks to assumptions on discount rate, revenue growth, profit margin and future P/E contributing to a steady price target view. What's in the News FinVolution issued earnings guidance for 2026, with total revenue expected in a range of about RMB11.5b to RMB12.9b, which it described as a 5% to 15% year over year decline (company guidance).
FCFS
US$218.22
FirstCash Holdings
7D
2.8%
1Y
64.5%
AXP
US$323.05
American Express
7D
1.4%
1Y
20.3%

American Express: Earnings Show Steady Growth, Maintain Buy

Apr 27
COF
US$191.30
Capital One Financial
7D
-2.7%
1Y
6.1%
KSPI
US$85.84
Kaspi.kz
7D
0.8%
1Y
-3.7%
SYF
US$76.20
Synchrony Financial
7D
-0.5%
1Y
45.7%
ATLC
US$79.41
Atlanticus Holdings
7D
4.2%
1Y
47.6%

Mercury Integration And Receivable Expansion Will Reshape Near Prime Consumer Credit Over Time

Catalysts About Atlanticus Holdings Atlanticus Holdings provides credit and related financial products to near prime and underserved consumers, primarily through general purpose cards and point of sale programs. What are the underlying business or industry changes driving this perspective?
ALLY
US$44.39
Ally Financial
7D
-1.4%
1Y
37.5%