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U.S. Consumer Finance Industry Analysis

UpdatedJan 29, 2026
DataAggregated Company Financials
Companies56
  • 7D-2.5%
  • 3M0.09%
  • 1Y9.5%
  • YTD-6.1%

Over the last 7 days, the Consumer Finance industry has dropped 2.5%, driven by a pullback from Capital One Financial of 5.5%. In contrast, Kaspi.kz has gained 5.8%. This takes the industry's 12 month performance to a gain of 9.5%. Looking forward, earnings are forecast to grow by 20% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 30 Jan 2026US$547.1bUS$172.9bUS$25.4b8.4x21.5x3.2x
Sun, 28 Dec 2025US$593.9bUS$168.3bUS$24.4b10.1x24.3x3.5x
Tue, 25 Nov 2025US$527.4bUS$167.9bUS$24.2b10x21.8x3.1x
Thu, 23 Oct 2025US$547.9bUS$164.8bUS$23.4b10.5x23.4x3.3x
Sat, 20 Sep 2025US$561.3bUS$157.1bUS$21.3b10.9x26.4x3.6x
Mon, 18 Aug 2025US$505.6bUS$156.3bUS$21.1b10.1x23.9x3.2x
Wed, 16 Jul 2025US$461.9bUS$156.8bUS$25.0b9.5x18.5x2.9x
Fri, 13 Jun 2025US$423.2bUS$156.5bUS$24.9b8.8x17x2.7x
Sun, 11 May 2025US$446.6bUS$168.6bUS$29.3b9.1x15.2x2.6x
Tue, 08 Apr 2025US$368.1bUS$166.3bUS$29.4b9x12.5x2.2x
Thu, 06 Mar 2025US$444.4bUS$166.5bUS$29.3b11.1x15.2x2.7x
Sat, 01 Feb 2025US$497.2bUS$168.4bUS$28.7b12.6x17.3x3x
Mon, 30 Dec 2024US$461.1bUS$161.1bUS$26.8b11.5x17.2x2.9x
Wed, 27 Nov 2024US$473.9bUS$161.3bUS$26.5b12.9x17.9x2.9x
Fri, 25 Oct 2024US$406.9bUS$160.4bUS$26.1b10x15.6x2.5x
Sun, 22 Sep 2024US$396.8bUS$158.7bUS$25.7b9.8x15.5x2.5x
Tue, 20 Aug 2024US$381.8bUS$158.8bUS$25.9b12.1x14.7x2.4x
Thu, 18 Jul 2024US$395.6bUS$156.6bUS$25.1b10.2x15.8x2.5x
Sat, 15 Jun 2024US$350.8bUS$156.7bUS$25.2b8.8x13.9x2.2x
Mon, 13 May 2024US$372.3bUS$156.7bUS$25.3b10x14.7x2.4x
Wed, 10 Apr 2024US$360.0bUS$154.9bUS$24.4b10.8x14.7x2.3x
Fri, 08 Mar 2024US$329.0bUS$150.5bUS$22.7b9.5x14.5x2.2x
Sun, 04 Feb 2024US$311.0bUS$154.1bUS$22.5b8.7x13.8x2x
Tue, 02 Jan 2024US$300.1bUS$150.1bUS$23.2b8.9x12.9x2x
Thu, 30 Nov 2023US$254.3bUS$150.0bUS$23.1b7.7x11x1.7x
Sat, 28 Oct 2023US$225.0bUS$150.1bUS$23.4b7.3x9.6x1.5x
Mon, 25 Sep 2023US$244.1bUS$149.3bUS$23.0b7.4x10.6x1.6x
Wed, 23 Aug 2023US$251.6bUS$148.9bUS$23.1b7.6x10.9x1.7x
Fri, 21 Jul 2023US$286.7bUS$149.8bUS$24.2b7.8x11.8x1.9x
Sun, 18 Jun 2023US$278.6bUS$150.4bUS$24.6b7.3x11.3x1.9x
Tue, 16 May 2023US$238.5bUS$151.6bUS$25.2b6.1x9.5x1.6x
Thu, 13 Apr 2023US$252.0bUS$152.7bUS$28.3b5.1x8.9x1.7x
Sat, 11 Mar 2023US$259.1bUS$152.3bUS$28.9b5.3x9x1.7x
Mon, 06 Feb 2023US$298.5bUS$156.6bUS$29.5b6.2x10.1x1.9x
Price to Earnings Ratio

10.1x


Total Market Cap: US$298.5bTotal Earnings: US$29.5bTotal Revenue: US$156.6bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 15.4x202420252026
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 21.5x which is higher than its 3-year average PE of 15.4x.
  • The 3-year average PS ratio of 2.4x is lower than the industry's current PS ratio of 3.2x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 4.8% per year over the last three years.
  • Meanwhile revenues for these companies have grown 3.4% per year.
  • This means that although more sales are being generated, 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 Market0.90%
Financials-1.07%
Consumer Finance-2.48%
Consumer Finance-2.48%
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
KSPI Kaspi.kzUS$80.465.8%
+US$845.2m		-16.9%PE7x
OMF OneMain HoldingsUS$65.051.6%
+US$118.9m		14.1%PE10.9x
YRD Yiren DigitalUS$4.2510.7%
+US$35.4m		-24.5%PE2x
FINV FinVolution GroupUS$5.202.8%
+US$35.4m		-31.9%PE3.3x
OPRT Oportun FinancialUS$5.4011.6%
+US$24.7m		35.3%PE7.8x

Latest News

NAVI
US$9.81
Navient
7D
-19.9%
1Y
-31.3%
SYF
US$73.42
Synchrony Financial
7D
-4.8%
1Y
6.8%
ENVA
US$159.26
Enova International
7D
0.7%
1Y
42.1%
FIGR
US$67.92
Figure Technology Solutions
7D
-1.2%
1Y
n/a
KSPI
US$80.46
Kaspi.kz
7D
5.8%
1Y
-16.9%

KSPI: Stable Profitability And Lower P/E Will Support Future Upside Potential

Kaspi.kz's updated analyst price target now reflects a fair value of about $107.59, slightly below the prior $108.16, as analysts fine tune their assumptions on the discount rate, revenue growth, profit margin and forward P/E to align more closely with recent inputs. Valuation Changes Fair Value: The price target was adjusted slightly from about $108.16 to about $107.59, a small downward move in the modeled fair value.
OMF
US$65.05
OneMain Holdings
7D
1.6%
1Y
14.1%

OMF: Future Returns Will Reflect Capital Deployment And Stable Credit Discipline

Narrative Update on OneMain Holdings The updated analyst price target for OneMain Holdings edges higher to about $73.87 from $73.47, as analysts weigh higher published targets across several firms against a slightly lower modeled profit margin and a modestly higher future P/E and revenue growth outlook for the consumer finance group. Analyst Commentary Recent Street research on OneMain Holdings shows a split view, with several firms lifting price targets while JPMorgan turns more cautious.
OPRT
US$5.40
Oportun Financial
7D
11.6%
1Y
35.3%

OPRT: Neutral Upgrade And Improving Profitability Are Expected To Unlock Upside

Analysts have modestly adjusted their outlook on Oportun Financial, keeping fair value steady at US$8.25 while updating revenue growth, profit margin and forward P/E assumptions after a recent sector review that led to a valuation-driven upgrade to Neutral with a US$5.50 price target. Analyst Commentary Recent commentary around Oportun Financial has centered on valuation, with JPMorgan shifting to a Neutral stance while keeping its US$5.50 price target unchanged.
AXP
US$356.99
American Express
7D
-0.7%
1Y
13.2%

AXP: Elevated P E Multiples Will Face Regulatory Credit Card Rate Cap Test

Analysts have raised their implied fair value for American Express from about US$230 to roughly US$280, reflecting updated price targets that apply higher future P/E multiples and slightly stronger assumptions for revenue growth and profit margins. Analyst Commentary Across recent research, most price target changes for American Express have been upward, but the tone is not uniformly optimistic.
COF
US$218.41
Capital One Financial
7D
-5.5%
1Y
7.1%
FINV
US$5.20
FinVolution Group
7D
2.8%
1Y
-31.9%

FINV: Share Repurchases And 2025 Guidance Will Support Future Upside Potential

Analysts have kept their fair value estimate for FinVolution Group steady at US$7.55 per share, with small tweaks to inputs like the discount rate and future P/E, now at 7.04x, reflecting updated assumptions rather than a major shift in the investment case. What's in the News From July 1, 2025 to September 30, 2025, FinVolution Group repurchased US$0.8 million of its shares, bringing total buybacks under the March 17, 2025 program to US$36.56 million (company announcement).
UPST
US$43.17
Upstart Holdings
7D
-6.3%
1Y
-34.7%

UPST: GenAI Credit Model And New Partnerships Will Support Share Recovery

Narrative Update: Upstart Holdings Analysts have nudged their implied fair value estimate for Upstart Holdings higher from about US$55.38 to roughly US$56.29 per share, citing Street research that highlights the company's GenAI-focused underwriting model, mixed but closely watched recent results, and updated price targets in the range of US$59 to US$65. Analyst Commentary Recent Street research around Upstart highlights a split view, with some bullish analysts focusing on the company’s GenAI-driven underwriting model and others stressing its sensitivity to credit conditions and recent mixed quarterly results.
SOFI
US$24.60
SoFi Technologies
7D
-5.7%
1Y
49.6%

SOFI: Capital Raises And Capital Light Lending Will Drive Future Profitability

Narrative Update Analysts have modestly lifted their average price target on SoFi Technologies to US$28. The shift is supported by recent research that highlights stronger than expected Q3 results, ongoing capital raises to support growth, and mixed views on the stock's current valuation multiple.
YRD
US$4.25
Yiren Digital
7D
10.7%
1Y
-24.5%
FCFS
US$166.07
FirstCash Holdings
7D
-3.4%
1Y
48.4%
JFIN
US$6.97
Jiayin Group
7D
1.5%
1Y
-12.2%

Jiayin Group: Why It Could Go Lower

Dec 11
ANTA
US$9.60
Antalpha Platform Holding
7D
3.2%
1Y
n/a