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U.S. Consumer Finance Industry Analysis

UpdatedMar 31, 2026
DataAggregated Company Financials
Companies53
  • 7D-2.8%
  • 3M-22.6%
  • 1Y4.6%
  • YTDn/a

Over the last 7 days, the Consumer Finance industry has dropped 2.8%, driven by Capital One Financial declining 1.2%. Over the past 12 months, the industry was up 4.6%. Earnings are forecast to grow by 17% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 01 Apr 2026US$439.1bUS$175.7bUS$25.6b7.8x17.1x2.5x
Fri, 27 Feb 2026US$498.1bUS$175.2bUS$25.9b8.3x19.2x2.8x
Sun, 25 Jan 2026US$552.5bUS$172.7bUS$25.4b8.7x21.7x3.2x
Tue, 23 Dec 2025US$586.6bUS$168.1bUS$24.4b9.9x24.1x3.5x
Thu, 20 Nov 2025US$515.4bUS$167.8bUS$24.2b9.9x21.3x3.1x
Sat, 18 Oct 2025US$513.2bUS$157.5bUS$21.6b9.8x23.8x3.3x
Mon, 15 Sep 2025US$535.7bUS$157.0bUS$21.3b10.6x25.2x3.4x
Wed, 13 Aug 2025US$490.1bUS$156.1bUS$21.0b9.8x23.3x3.1x
Fri, 11 Jul 2025US$458.3bUS$156.9bUS$25.0b10x18.3x2.9x
Sun, 08 Jun 2025US$420.9bUS$156.5bUS$24.9b9.3x16.9x2.7x
Tue, 06 May 2025US$438.7bUS$168.2bUS$29.2b10.2x15x2.6x
Thu, 03 Apr 2025US$428.6bUS$166.5bUS$29.5b11.3x14.5x2.6x
Sat, 01 Mar 2025US$465.6bUS$166.4bUS$29.3b11x15.9x2.8x
Mon, 27 Jan 2025US$499.3bUS$167.8bUS$28.1b12.1x17.8x3x
Wed, 25 Dec 2024US$464.7bUS$161.1bUS$26.4b11.5x17.6x2.9x
Fri, 22 Nov 2024US$448.7bUS$161.3bUS$26.4b12.1x17x2.8x
Sun, 20 Oct 2024US$417.0bUS$160.4bUS$26.2b10.5x15.9x2.6x
Tue, 17 Sep 2024US$382.9bUS$158.6bUS$25.7b10.8x14.9x2.4x
Thu, 15 Aug 2024US$366.0bUS$158.8bUS$25.9b11.3x14.1x2.3x
Sat, 13 Jul 2024US$373.1bUS$156.6bUS$25.1b9.5x14.9x2.4x
Mon, 10 Jun 2024US$361.1bUS$156.8bUS$25.3b9.3x14.3x2.3x
Wed, 08 May 2024US$366.3bUS$156.6bUS$25.1b9.8x14.6x2.3x
Fri, 05 Apr 2024US$362.9bUS$154.9bUS$24.4b10.7x14.9x2.3x
Sun, 03 Mar 2024US$327.6bUS$150.5bUS$22.6b9.5x14.5x2.2x
Tue, 30 Jan 2024US$309.1bUS$153.9bUS$22.4b9.1x13.8x2x
Thu, 28 Dec 2023US$300.9bUS$150.0bUS$23.2b9.1x13x2x
Sat, 25 Nov 2023US$251.0bUS$150.0bUS$23.1b7.6x10.9x1.7x
Mon, 23 Oct 2023US$224.5bUS$150.0bUS$23.4b7x9.6x1.5x
Wed, 20 Sep 2023US$253.2bUS$149.3bUS$23.0b7.8x11x1.7x
Fri, 18 Aug 2023US$256.5bUS$149.6bUS$23.3b7.8x11x1.7x
Sun, 16 Jul 2023US$285.0bUS$150.3bUS$24.8b7.5x11.5x1.9x
Tue, 13 Jun 2023US$280.8bUS$150.3bUS$24.5b7x11.5x1.9x
Thu, 11 May 2023US$235.6bUS$151.6bUS$25.2b6x9.4x1.6x
Sat, 08 Apr 2023US$249.3bUS$151.1bUS$28.3b5.1x8.8x1.6x
Price to Earnings Ratio

8.8x


Total Market Cap: US$249.3bTotal Earnings: US$28.3bTotal Revenue: US$151.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 15.9x202420252026
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 15.9x.
  • The industry is trading close to its 3-year average PS ratio of 2.5x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 3.2% per year over the last three years.
  • Meanwhile revenues for these companies have grown 5.1% 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-3.50%
Financials-1.81%
Consumer Finance-2.81%
Consumer Finance-2.81%
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
SYF Synchrony FinancialUS$68.021.1%
+US$260.7m		27.7%PE6.8x
SLM SLMUS$21.416.1%
+US$243.7m		-27.7%PE5.8x
FIGR Figure Technology SolutionsUS$33.952.1%
+US$151.4m		n/aPE118.4x
AXP American ExpressUS$302.480.2%
+US$78.4m		11.8%PE19.4x
OMF OneMain HoldingsUS$53.490.4%
+US$26.9m		9.0%PE8x

Latest News

HTT
US$1.94
High Templar Tech
7D
-22.1%
1Y
-26.8%
OMF
US$53.49
OneMain Holdings
7D
0.4%
1Y
9.0%

OMF: Future Returns Will Reflect 2026 Specialty Finance Tailwinds Despite Lawsuit Overhang

Analyst price targets for OneMain Holdings have edged lower overall. The model fair value estimate has moved from $72.14 to $70.71 as analysts factor in macro uncertainty, a new multi state lawsuit, and refreshed sector multiples, while still viewing the core business as stable.
COF
US$182.43
Capital One Financial
7D
-1.2%
1Y
2.4%
SLM
US$21.41
SLM
7D
6.1%
1Y
-27.7%

SLM: Share Repurchases And Credit Stability Will Counter Persistent AI Risk Overhang

Narrative Update on SLM Analysts have trimmed SLM's average price target by a few dollars to around the high $20s, reflecting sector wide cuts tied to a more uncertain macro backdrop and ongoing debate around credit risk and AI driven pressure on graduate outcomes. Analyst Commentary Recent research on SLM centers on how macro uncertainty, potential AI disruption and credit risk feed into valuation and growth expectations.
AXP
US$302.48
American Express
7D
0.2%
1Y
11.8%
FIGR
US$33.95
Figure Technology Solutions
7D
2.1%
1Y
n/a
SYF
US$68.02
Synchrony Financial
7D
1.1%
1Y
27.7%
LU
US$1.87
Lufax Holding
7D
1.6%
1Y
-36.8%
BFH
US$74.89
Bread Financial Holdings
7D
0.5%
1Y
49.3%

BFH: Credit Improvements And Capital Returns Will Support Measured Upside Potential

Narrative Update The analyst price target for Bread Financial Holdings has been adjusted slightly higher to about $83.53 from roughly $83.13, as analysts factor in updated views on revenue growth, profit margins, discount rates, and future P/E multiples following a series of recent upgrades and target increases across the Street. Analyst Commentary Recent research on Bread Financial Holdings has featured a cluster of target increases and rating changes, giving you a clearer picture of how the Street is weighing upside potential against execution and credit risk.
KSPI
US$74.07
Kaspi.kz
7D
-0.9%
1Y
-21.7%

KSPI: Higher Margins And Dividend Policy Will Support Future Upside

Analysts have trimmed their price target on Kaspi.kz from $107.59 to $99.47, citing more cautious revenue growth assumptions, a slightly lower discount rate, a modestly higher profit margin outlook, and a lower future P/E, in line with the recent downgrade and a softer stance in Street research. Analyst Commentary Bullish Takeaways Bullish analysts point to the reduced discount rate and slightly higher profit margin outlook as signs that Kaspi.kz is still seen as capable of supporting solid profitability over time, even with a lower price target.
DAVE
US$174.09
Dave
7D
-3.8%
1Y
104.6%

DAVE: 2026 Guidance And Buyback Are Expected To Support Mispriced Story

Dave’s updated analyst price targets now range from about $295 to $328, reflecting analyst views that recent Q4 results, stronger 2026 guidance, added liquidity, and a larger $300m buyback support the current fair value estimate of $318 per share. Analyst Commentary Recent research points to a cluster of higher price targets in a relatively tight band, with most bullish analysts highlighting Q4 execution, updated 2026 guidance, and liquidity moves as key supports for their fair value views on Dave.
ALLY
US$39.23
Ally Financial
7D
-0.7%
1Y
6.9%

ALLY: Capital Return And ROTCE Re Rating Will Drive Future Upside

Ally Financial's updated analyst fair value moves from $56.49 to $63.24, as analysts factor in sector wide price target revisions, shifting assumptions around future P/E and profitability, and ongoing debates about credit risk and consumer finance regulation. Analyst Commentary Recent Street research around Ally Financial shows a mix of caution around consumer finance as a group and pockets of clear optimism on Ally's specific setup.
FCFS
US$188.00
FirstCash Holdings
7D
-1.3%
1Y
54.0%
CACC
US$423.46
Credit Acceptance
7D
-4.6%
1Y
-20.1%
SOFI
US$15.88
SoFi Technologies
7D
-4.9%
1Y
33.3%
NRDS
US$10.38
NerdWallet
7D
2.1%
1Y
11.3%

NRDS: Performance Marketing And Buybacks Will Support Future Earnings Visibility

Analysts have trimmed their average price target on NerdWallet to $15 from about $16, reflecting lower assumed future P/E multiples and slightly softer profit margin expectations, even as they highlight recent revenue and EBITDA outperformance supported by stronger contributions from Loans, Insurance and Banking. Analyst Commentary Bullish Takeaways Bullish analysts point to Q4 revenue and EBITDA that came in ahead of Street estimates, with revenue about 7% above expectations and EBITDA roughly US$1m higher, as evidence that NerdWallet is executing well against current forecasts.