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U.S. Consumer Finance Industry Analysis

UpdatedDec 02, 2021
DataAggregated Company Financials
Companies58
  • 7D-4.1%
  • 3M-9.2%
  • 1Y21.5%
  • YTD23.3%

Over the last 7 days, the Consumer Finance industry has dropped 4.1%, driven by pullbacks in Upstart Holdings and Capital One Financial of 18% and 4.9%, respectively. This takes the industry's 12 month performance to a gain of 21%.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPE
Sat, 04 Dec 2021US$364.9bUS$152.7bUS$45.0b6.7x
Mon, 01 Nov 2021US$403.5bUS$151.1bUS$44.5b6.7x
Wed, 29 Sep 2021US$424.3bUS$144.3bUS$41.5b7.8x
Fri, 27 Aug 2021US$422.4bUS$144.5bUS$41.5b6.8x
Sat, 03 Jul 2021US$410.7bUS$144.2bUS$41.4b7.5x
Tue, 06 Apr 2021US$347.2bUS$123.5bUS$28.7b7.7x
Fri, 08 Jan 2021US$294.1bUS$108.3bUS$15.8b9.2x
Thu, 01 Oct 2020US$201.0bUS$96.9bUS$10.9b10.8x
Sun, 05 Jul 2020US$185.5bUS$98.4bUS$10.7b6.7x
Wed, 08 Apr 2020US$152.5bUS$109.2bUS$18.1b5.9x
Tue, 31 Dec 2019US$266.5bUS$118.6bUS$25.8b7.5x
Fri, 04 Oct 2019US$260.3bUS$118.1bUS$26.5b8.1x
Mon, 08 Jul 2019US$270.3bUS$114.6bUS$25.4b9.1x
Sun, 31 Mar 2019US$246.7bUS$113.7bUS$24.7b9.7x
Wed, 02 Jan 2019US$214.2bUS$107.8bUS$23.5b8x
PE Ratio

8x

Total Market Cap: US$214.2bTotal Earnings: US$23.5bTotal Revenue: US$107.8b0%0%0%3 Year10 Year
20202021

Current Industry PE: Investors are relatively neutral on the industry at the moment, considering it's trading close to its 3-year average PE ratio of 8.5x. However, future earnings are expected to decline by 4.1% which could potentially cause the PE ratio to fall below its historical average.

Past Earnings Growth: The earnings for companies in the Consumer Finance industry have grown 24% per year over the last three years, and revenues for these companies have grown 12% 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. Consumer Finance industry?

Consumer Finance-4.11%

Industry PE: Investors are most optimistic about the Consumer Finance industry even though it's trading below its 3-year average PE ratio of 8.5x. However analysts are expecting annual earnings decline of 4.1%, which is lower than the prior year's growth of 122% per year. So the market might believe that analysts are underestimating future growth or they expect the Consumer Finance industry's earnings to deteriorate the least compared to other industries.

Forecasted Growth: Despite it being negative, analysts are least pessimistic on the Consumer Finance industry since they expect its earnings to decline by only 4.1% per year over the next 5 years, which isn't as bad as the other industries. However, this is a reversal from its past annual earnings growth rate of 122% per year.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

Company7D1YValuation
SC Santander Consumer USA Holdings1.0%+US$131.6m82.8%PE4.2x
OMF OneMain Holdings1.5%+US$95.8m26.0%PE4.7x
NNI Nelnet2.1%+US$70.0m29.2%PE6.9x
SLM SLM1.2%+US$61.6m57.1%PE4.1x
LU Lufax Holding0.3%+US$49.2m-58.5%PE5.7x
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