U.S. Consumer Finance Industry Analysis
UpdatedMay 31, 2023
DataAggregated Company Financials
Companies59
- 7D2.5%
- 3M-9.2%
- 1Y-16.2%
- YTD6.5%
In the last week, the Consumer Finance industry is up 2.5%, with American Express up 3.6%. During this same period, the Lufax Holding underperformed, falling 15%. However, the industry is down 16% over the past year. Earnings are forecast to grow by 11% 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 |
|---|---|---|---|---|---|---|
| Wed, 31 May 2023 | US$255.0b | US$150.4b | US$24.5b | 6.5x | 10.4x | 1.7x |
| Fri, 28 Apr 2023 | US$251.7b | US$153.1b | US$26.9b | 6.1x | 9.3x | 1.6x |
| Sun, 26 Mar 2023 | US$245.1b | US$151.0b | US$28.2b | 4.9x | 8.7x | 1.6x |
| Tue, 21 Feb 2023 | US$286.1b | US$156.1b | US$29.2b | 6x | 9.8x | 1.8x |
| Thu, 19 Jan 2023 | US$255.4b | US$154.4b | US$31.9b | 4.8x | 8x | 1.7x |
| Sat, 17 Dec 2022 | US$240.9b | US$153.8b | US$31.7b | 4.4x | 7.6x | 1.6x |
| Mon, 14 Nov 2022 | US$270.4b | US$154.0b | US$32.6b | 5.2x | 8.3x | 1.8x |
| Wed, 12 Oct 2022 | US$235.6b | US$155.1b | US$35.6b | 4x | 6.6x | 1.5x |
| Fri, 09 Sep 2022 | US$266.4b | US$155.6b | US$35.8b | 4.3x | 7.5x | 1.7x |
| Sun, 07 Aug 2022 | US$275.3b | US$156.0b | US$36.0b | 4.8x | 7.6x | 1.8x |
| Tue, 05 Jul 2022 | US$262.7b | US$152.5b | US$39.1b | 5.6x | 6.7x | 1.7x |
| Thu, 02 Jun 2022 | US$304.5b | US$152.2b | US$39.3b | 6.5x | 7.8x | 2x |
| Sat, 30 Apr 2022 | US$313.6b | US$150.2b | US$39.2b | 6.7x | 8x | 2.1x |
| Mon, 28 Mar 2022 | US$357.2b | US$156.8b | US$44.9b | 6x | 8x | 2.3x |
| Wed, 23 Feb 2022 | US$370.0b | US$158.3b | US$44.8b | 6.3x | 8.3x | 2.3x |
| Fri, 21 Jan 2022 | US$361.9b | US$155.6b | US$45.2b | 6.5x | 8x | 2.3x |
| Sun, 19 Dec 2021 | US$366.2b | US$152.6b | US$44.9b | 6.6x | 8.2x | 2.4x |
| Tue, 16 Nov 2021 | US$417.8b | US$151.9b | US$44.9b | 7.1x | 9.3x | 2.8x |
| Thu, 14 Oct 2021 | US$421.7b | US$144.3b | US$41.5b | 7.8x | 10.2x | 2.9x |
| Sat, 11 Sep 2021 | US$400.9b | US$144.7b | US$41.1b | 6.4x | 9.8x | 2.8x |
| Mon, 09 Aug 2021 | US$408.1b | US$144.5b | US$41.5b | 6.5x | 9.8x | 2.8x |
| Sun, 02 May 2021 | US$372.1b | US$123.5b | US$28.7b | 8.7x | 12.9x | 3x |
| Wed, 03 Feb 2021 | US$298.1b | US$108.3b | US$15.8b | 9.3x | 18.9x | 2.8x |
| Sat, 07 Nov 2020 | US$228.3b | US$104.6b | US$12.7b | 10.9x | 18x | 2.2x |
| Fri, 31 Jul 2020 | US$187.3b | US$98.4b | US$10.7b | 7.3x | 17.5x | 1.9x |
Price to Earnings Ratio
10x
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 11.5x.
- The 3-year average PS ratio of 2.2x is higher than the industry's current PS ratio of 1.7x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 11% per year over the last three years.
- Revenues for these companies have grown 11% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Comparison
How does U.S. Consumer Finance compare with similar industries?
| US Market | 1.13% | |
| Financials | -0.37% | |
| Consumer Finance | 2.45% | |
| Consumer Finance | 2.45% | |
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$158.01 | 3.6% +US$4.1b | -6.4% | PE16.5x | |
| COF Capital One Financial | US$104.71 | 2.5% +US$969.8m | -18.1% | PE7.1x | |
| SOFI SoFi Technologies | US$6.03 | 14.0% +US$696.3m | -19.4% | PS3.4x | |
| DFS Discover Financial Services | US$103.32 | 1.4% +US$360.6m | -9.0% | PE6.5x | |
| UPST Upstart Holdings | US$29.09 | 12.0% +US$257.1m | -42.3% | PS3.7x |
