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U.S. Consumer Finance Industry Analysis
UpdatedFeb 01, 2025
DataAggregated Company Financials
Companies56
- 7D-1.5%
- 3M19.1%
- 1Y51.5%
- YTD8.1%
Over the last 7 days, the Consumer Finance industry has dropped 1.5%, driven by a pullback from American Express of 1.2%. In contrast, Dave has gained 6.6%. Over the past 12 months, the industry was up 52%. As for the next few years, earnings are expected to grow by 12% per annum.
Industry Valuation and Performance
Has the U.S. Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sat, 01 Feb 2025 | US$497.2b | US$168.4b | US$28.7b | 12.6x | 17.3x | 3x |
| Mon, 30 Dec 2024 | US$461.1b | US$161.1b | US$26.8b | 11.5x | 17.2x | 2.9x |
| Wed, 27 Nov 2024 | US$473.9b | US$161.3b | US$26.5b | 12.9x | 17.9x | 2.9x |
| Fri, 25 Oct 2024 | US$406.9b | US$160.4b | US$26.1b | 10x | 15.6x | 2.5x |
| Sun, 22 Sep 2024 | US$396.8b | US$158.7b | US$25.7b | 9.8x | 15.5x | 2.5x |
| Tue, 20 Aug 2024 | US$381.8b | US$158.8b | US$25.9b | 12.1x | 14.7x | 2.4x |
| Thu, 18 Jul 2024 | US$395.6b | US$156.6b | US$25.1b | 10.2x | 15.8x | 2.5x |
| Sat, 15 Jun 2024 | US$350.8b | US$156.7b | US$25.2b | 8.8x | 13.9x | 2.2x |
| Mon, 13 May 2024 | US$372.3b | US$156.7b | US$25.3b | 10x | 14.7x | 2.4x |
| Wed, 10 Apr 2024 | US$360.0b | US$154.9b | US$24.4b | 10.8x | 14.7x | 2.3x |
| Fri, 08 Mar 2024 | US$329.0b | US$150.5b | US$22.7b | 9.5x | 14.5x | 2.2x |
| Sun, 04 Feb 2024 | US$311.0b | US$154.1b | US$22.5b | 8.7x | 13.8x | 2x |
| Tue, 02 Jan 2024 | US$300.1b | US$150.1b | US$23.2b | 8.9x | 12.9x | 2x |
| Thu, 30 Nov 2023 | US$254.3b | US$150.0b | US$23.1b | 7.7x | 11x | 1.7x |
| Sat, 28 Oct 2023 | US$225.0b | US$150.1b | US$23.4b | 7.3x | 9.6x | 1.5x |
| Mon, 25 Sep 2023 | US$244.1b | US$149.3b | US$23.0b | 7.4x | 10.6x | 1.6x |
| Wed, 23 Aug 2023 | US$251.6b | US$148.9b | US$23.1b | 7.6x | 10.9x | 1.7x |
| Fri, 21 Jul 2023 | US$286.7b | US$149.8b | US$24.2b | 7.8x | 11.8x | 1.9x |
| Sun, 18 Jun 2023 | US$278.6b | US$150.4b | US$24.6b | 7.3x | 11.3x | 1.9x |
| Tue, 16 May 2023 | US$238.5b | US$151.6b | US$25.2b | 6.1x | 9.5x | 1.6x |
| Thu, 13 Apr 2023 | US$252.0b | US$152.7b | US$28.3b | 5.1x | 8.9x | 1.7x |
| Sat, 11 Mar 2023 | US$259.1b | US$152.3b | US$28.9b | 5.3x | 9x | 1.7x |
| Mon, 06 Feb 2023 | US$298.5b | US$156.6b | US$29.5b | 6.2x | 10.1x | 1.9x |
| Wed, 04 Jan 2023 | US$242.9b | US$154.0b | US$31.8b | 4.4x | 7.6x | 1.6x |
| Fri, 02 Dec 2022 | US$259.9b | US$153.6b | US$32.0b | 4.7x | 8.1x | 1.7x |
| Sun, 30 Oct 2022 | US$256.3b | US$153.7b | US$33.2b | 4.9x | 7.7x | 1.7x |
| Tue, 27 Sep 2022 | US$234.3b | US$155.2b | US$35.7b | 3.7x | 6.6x | 1.5x |
| Thu, 25 Aug 2022 | US$277.2b | US$155.9b | US$35.7b | 4.5x | 7.8x | 1.8x |
| Sat, 23 Jul 2022 | US$274.1b | US$151.6b | US$38.2b | 5.5x | 7.2x | 1.8x |
| Mon, 20 Jun 2022 | US$264.1b | US$152.5b | US$39.1b | 5.8x | 6.8x | 1.7x |
| Wed, 18 May 2022 | US$284.9b | US$151.8b | US$39.3b | 6.5x | 7.2x | 1.9x |
| Fri, 15 Apr 2022 | US$329.4b | US$149.9b | US$41.4b | 5.9x | 7.9x | 2.2x |
| Sun, 13 Mar 2022 | US$325.9b | US$157.0b | US$45.0b | 5.3x | 7.2x | 2.1x |
| Tue, 08 Feb 2022 | US$371.0b | US$159.5b | US$45.0b | 6.4x | 8.2x | 2.3x |
Price to Earnings Ratio
8.2x
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 17.3x which is higher than its 3-year average PE of 11.2x.
- The 3-year average PS ratio of 2.0x is lower than the industry's current PS ratio of 3.0x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 14% 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 | -0.87% | |
| Financials | 1.11% | |
| Consumer Finance | -1.53% | |
| Consumer Finance | -1.53% | |
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| DAVE Dave | US$95.82 | 6.6% +US$75.6m | 335.3% | PE29.6x | |
| COF Capital One Financial | US$203.71 | 0.09% +US$68.6m | 49.3% | PE17.5x | |
| KSPI Kaspi.kz | US$95.10 | 0.4% +US$68.4m | 3.3% | PE9.6x | |
| WRLD World Acceptance | US$141.16 | 8.9% +US$61.9m | 6.6% | PE9.4x | |
| TREE LendingTree | US$44.93 | 8.4% +US$46.5m | 41.9% | PS0.8x |
