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U.S. Consumer Finance Industry Analysis
UpdatedSep 20, 2024
DataAggregated Company Financials
Companies53
- 7D5.3%
- 3M11.2%
- 1Y56.4%
- YTDn/a
The Consumer Finance industry is up 3.6% in the last week, with American Express up 5.3%. In the same time, Kaspi.kz was down 20%. This means that the industry has gained 51% over the past year. 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?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 20 Sep 2024 | US$390.5b | US$158.6b | US$25.7b | 10x | 15.2x | 2.5x |
| Sun, 18 Aug 2024 | US$381.8b | US$158.8b | US$25.9b | 11.9x | 14.7x | 2.4x |
| Tue, 16 Jul 2024 | US$374.1b | US$156.6b | US$25.1b | 9.8x | 14.9x | 2.4x |
| Thu, 13 Jun 2024 | US$351.1b | US$156.8b | US$25.2b | 9.4x | 13.9x | 2.2x |
| Sat, 11 May 2024 | US$371.1b | US$156.7b | US$25.2b | 10x | 14.7x | 2.4x |
| Mon, 08 Apr 2024 | US$358.6b | US$154.9b | US$24.4b | 10.7x | 14.7x | 2.3x |
| Wed, 06 Mar 2024 | US$325.2b | US$150.5b | US$22.6b | 9.5x | 14.4x | 2.2x |
| Fri, 02 Feb 2024 | US$308.3b | US$154.1b | US$22.5b | 8.9x | 13.7x | 2x |
| Sun, 31 Dec 2023 | US$300.5b | US$150.1b | US$23.2b | 8.9x | 13x | 2x |
| Tue, 28 Nov 2023 | US$251.1b | US$150.0b | US$23.1b | 7.4x | 10.9x | 1.7x |
| Thu, 26 Oct 2023 | US$223.2b | US$150.0b | US$23.3b | 6.7x | 9.6x | 1.5x |
| Sat, 23 Sep 2023 | US$244.1b | US$149.3b | US$23.0b | 7.4x | 10.6x | 1.6x |
| Mon, 21 Aug 2023 | US$256.9b | US$149.7b | US$23.3b | 7.8x | 11x | 1.7x |
| Wed, 19 Jul 2023 | US$293.4b | US$150.2b | US$24.8b | 7.8x | 11.8x | 2x |
| Fri, 16 Jun 2023 | US$283.2b | US$150.4b | US$24.6b | 7.4x | 11.5x | 1.9x |
| Sun, 14 May 2023 | US$233.8b | US$151.5b | US$25.2b | 5.9x | 9.3x | 1.5x |
| Tue, 11 Apr 2023 | US$251.9b | US$152.6b | US$28.3b | 5.2x | 8.9x | 1.7x |
| Thu, 09 Mar 2023 | US$277.2b | US$152.6b | US$28.9b | 5.7x | 9.6x | 1.8x |
| Sat, 04 Feb 2023 | US$298.5b | US$156.6b | US$29.5b | 6.2x | 10.1x | 1.9x |
| Mon, 02 Jan 2023 | US$243.7b | US$154.0b | US$31.9b | 4.4x | 7.7x | 1.6x |
| Wed, 30 Nov 2022 | US$258.7b | US$153.3b | US$32.0b | 4.8x | 8.1x | 1.7x |
| Fri, 28 Oct 2022 | US$249.2b | US$155.2b | US$34.6b | 4.4x | 7.2x | 1.6x |
| Sun, 25 Sep 2022 | US$240.5b | US$155.2b | US$35.7b | 3.9x | 6.7x | 1.5x |
| Tue, 23 Aug 2022 | US$274.1b | US$155.9b | US$35.7b | 4.4x | 7.7x | 1.8x |
| Thu, 21 Jul 2022 | US$277.6b | US$151.6b | US$38.2b | 6.2x | 7.3x | 1.8x |
| Sat, 18 Jun 2022 | US$252.7b | US$152.5b | US$39.1b | 5.8x | 6.5x | 1.7x |
| Mon, 16 May 2022 | US$288.5b | US$151.6b | US$39.3b | 6.3x | 7.3x | 1.9x |
| Wed, 13 Apr 2022 | US$325.5b | US$149.9b | US$41.6b | 5.9x | 7.8x | 2.2x |
| Fri, 11 Mar 2022 | US$335.5b | US$156.8b | US$45.0b | 5.5x | 7.5x | 2.1x |
| Sun, 06 Feb 2022 | US$368.6b | US$159.5b | US$45.0b | 6.3x | 8.2x | 2.3x |
| Tue, 04 Jan 2022 | US$379.1b | US$152.7b | US$44.9b | 7.1x | 8.4x | 2.5x |
| Thu, 02 Dec 2021 | US$364.9b | US$152.7b | US$45.0b | 6.7x | 8.1x | 2.4x |
| Sat, 30 Oct 2021 | US$406.1b | US$151.3b | US$44.2b | 6.7x | 9.2x | 2.7x |
| Mon, 27 Sep 2021 | US$428.3b | US$144.3b | US$41.5b | 7.9x | 10.3x | 3x |
Price to Earnings Ratio
10.3x
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 15.3x which is higher than its 3-year average PE of 10.3x.
- The 3-year average PS ratio of 2.0x is lower than the industry's current PS ratio of 2.5x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 15% per year over the last three years.
- Meanwhile revenues for these companies have grown 3.2% 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 Comparison
How does U.S. Consumer Finance compare with similar industries?
| US Market | 2.56% | |
| Financials | 3.44% | |
| Consumer Finance | 5.30% | |
| Consumer Finance | 5.30% | |
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 | |
|---|---|---|---|---|---|
| AXP American Express | US$268.75 | 5.3% +US$9.7b | 73.7% | PE19.7x | |
| COF Capital One Financial | US$153.05 | 11.3% +US$5.9b | 54.7% | PE14.3x | |
| DFS Discover Financial Services | US$143.92 | 11.3% +US$3.7b | 64.4% | PE12.8x | |
| SYF Synchrony Financial | US$51.03 | 10.0% +US$1.8b | 60.4% | PE6.8x | |
| SOFI SoFi Technologies | US$8.19 | 9.8% +US$778.1m | 3.0% | PS3.7x |