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U.S. Consumer Finance Industry Analysis

UpdatedJun 11, 2026
DataAggregated Company Financials
Companies56
  • 7D1.6%
  • 3M3.2%
  • 1Y-0.5%
  • YTD-19.0%

The Consumer Finance industry is up 1.6% in the last week, with American Express up 4.2%. During this same period, the Kaspi.kz underperformed, falling 8.2%. The industry has been flat over the past 12 months despite the gain this week. Looking forward, earnings are forecast to grow by 19% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 11 Jun 2026US$476.5bUS$184.5bUS$27.9b8.1x17.1x2.6x
Sat, 09 May 2026US$487.6bUS$183.9bUS$28.1b10.1x17.3x2.7x
Mon, 06 Apr 2026US$454.1bUS$175.9bUS$25.5b8.1x17.8x2.6x
Wed, 04 Mar 2026US$474.6bUS$175.3bUS$26.2b8x18.1x2.7x
Fri, 30 Jan 2026US$546.6bUS$173.1bUS$25.5b8.5x21.4x3.2x
Sun, 28 Dec 2025US$593.9bUS$168.3bUS$24.4b10.1x24.3x3.5x
Tue, 25 Nov 2025US$527.4bUS$167.9bUS$24.2b10x21.8x3.1x
Thu, 23 Oct 2025US$547.9bUS$164.8bUS$23.4b10.5x23.4x3.3x
Sat, 20 Sep 2025US$561.3bUS$157.1bUS$21.3b10.9x26.4x3.6x
Mon, 18 Aug 2025US$505.6bUS$156.3bUS$21.1b10.1x23.9x3.2x
Wed, 16 Jul 2025US$461.9bUS$156.8bUS$25.0b9.5x18.5x2.9x
Fri, 13 Jun 2025US$423.2bUS$156.5bUS$24.9b8.8x17x2.7x
Sun, 11 May 2025US$446.6bUS$168.6bUS$29.3b9.1x15.2x2.6x
Tue, 08 Apr 2025US$368.1bUS$166.3bUS$29.4b9x12.5x2.2x
Thu, 06 Mar 2025US$444.4bUS$166.5bUS$29.3b11.1x15.2x2.7x
Sat, 01 Feb 2025US$497.2bUS$168.4bUS$28.7b12.6x17.3x3x
Mon, 30 Dec 2024US$461.1bUS$161.1bUS$26.8b11.5x17.2x2.9x
Wed, 27 Nov 2024US$473.9bUS$161.3bUS$26.5b12.9x17.9x2.9x
Fri, 25 Oct 2024US$406.9bUS$160.4bUS$26.1b10x15.6x2.5x
Sun, 22 Sep 2024US$396.8bUS$158.7bUS$25.7b9.8x15.5x2.5x
Tue, 20 Aug 2024US$381.8bUS$158.8bUS$25.9b12.1x14.7x2.4x
Thu, 18 Jul 2024US$395.6bUS$156.6bUS$25.1b10.2x15.8x2.5x
Sat, 15 Jun 2024US$350.8bUS$156.7bUS$25.2b8.8x13.9x2.2x
Mon, 13 May 2024US$372.3bUS$156.7bUS$25.3b10x14.7x2.4x
Wed, 10 Apr 2024US$360.0bUS$154.9bUS$24.4b10.8x14.7x2.3x
Fri, 08 Mar 2024US$329.0bUS$150.5bUS$22.7b9.5x14.5x2.2x
Sun, 04 Feb 2024US$311.0bUS$154.1bUS$22.5b8.7x13.8x2x
Tue, 02 Jan 2024US$300.1bUS$150.1bUS$23.2b8.9x12.9x2x
Thu, 30 Nov 2023US$254.3bUS$150.0bUS$23.1b7.7x11x1.7x
Sat, 28 Oct 2023US$225.0bUS$150.1bUS$23.4b7.3x9.6x1.5x
Mon, 25 Sep 2023US$244.1bUS$149.3bUS$23.0b7.4x10.6x1.6x
Wed, 23 Aug 2023US$251.6bUS$148.9bUS$23.1b7.6x10.9x1.7x
Fri, 21 Jul 2023US$286.7bUS$149.8bUS$24.2b7.8x11.8x1.9x
Sun, 18 Jun 2023US$278.6bUS$150.4bUS$24.6b7.3x11.3x1.9x
Price to Earnings Ratio

11.3x


Total Market Cap: US$278.6bTotal Earnings: US$24.6bTotal Revenue: US$150.4bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.4x202420252026
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 16.4x.
  • 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 grown 4.2% per year over the last three years.
  • Revenues for these companies have grown 7.0% 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. Financials industry?

US Market-4.05%
Financials2.58%
Consumer Finance1.61%
Consumer Finance1.61%
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
AXP American ExpressUS$313.344.2%
+US$8.7b		4.8%PE19.3x
ENVA Enova InternationalUS$179.9213.2%
+US$524.4m		85.5%PE13.7x
BFH Bread Financial HoldingsUS$96.459.2%
+US$326.9m		77.0%PE7x
ALLY Ally FinancialUS$41.882.3%
+US$291.2m		12.0%PE10x
SYF Synchrony FinancialUS$69.561.2%
+US$282.6m		12.6%PE6.7x

Latest News

FIGR
US$28.07
Figure Technology Solutions
7D
-9.4%
1Y
n/a
CACC
US$557.21
Credit Acceptance
7D
2.9%
1Y
8.6%
SOFI
US$15.87
SoFi Technologies
7D
-4.9%
1Y
5.4%
COF
US$177.63
Capital One Financial
7D
0.006%
1Y
-11.4%
Narrative Update • Jun 10

COF: Discover Integration And Synergy Potential Will Support Future Upside

Capital One Financial's updated analyst price target has edged lower by about $2 to approximately $306, as analysts balance slightly higher revenue growth and profit margin assumptions against a reduced future P/E and a series of mixed target changes across the Street. Analyst Commentary Recent research on Capital One Financial shows a mix of cautious and constructive views, with several firms adjusting price targets over a concentrated period.
ENVA
US$179.92
Enova International
7D
13.2%
1Y
85.5%
Seeking Alpha • Jun 10

Enova International: Structurally Undervalued

Summary Enova Financial is transitioning from an online lender to a bank holding company via the Grasshopper Bank acquisition, unlocking new growth and stability. ENVA has compounded adjusted EBITDA at 24% and loans at 31% annually, with machine learning-driven underwriting and 30% returns on equity. The stock trades at a discount to peers despite strong margins and is assigned a Buy rating with a $292/share price target, implying ~70% upside. Key risks include ML model limitations in downturns, integration of Grasshopper, and exposure to non-prime borrowers with weak financial profiles. Read the full article on Seeking Alpha
DAVE
US$270.90
Dave
7D
8.7%
1Y
16.9%
EZPW
US$29.04
EZCORP
7D
-8.8%
1Y
111.8%
AXP
US$313.34
American Express
7D
4.2%
1Y
4.8%
Narrative Update • Jun 09

AXP: Premium Franchise Strength And Competition Will Shape Returns Going Forward

Analysts kept the American Express fair value estimate steady at $285.00 while slightly adjusting the discount rate and revenue growth assumptions. This reflects mixed but generally constructive recent research that includes higher price targets from firms citing resilient spending trends, alongside more cautious updates from others focused on competition and valuation pressures.
KSPI
US$78.58
Kaspi.kz
7D
-8.2%
1Y
-9.7%
Narrative Update • Jun 07

KSPI: Execution And Earnings Resilience Will Support Confidence After Susquehanna Upgrade

Analysts now estimate Kaspi.kz’s fair value at about $118, down from roughly $128, reflecting updated views on discount rates, revenue growth, profit margins, and future P/E in light of recent research, including the Susquehanna price target revision. What's in the News Analysts incorporate the Susquehanna price target revision into updated fair value work, linking the new US$118 estimate to recent research coverage.
ATLC
US$88.59
Atlanticus Holdings
7D
16.1%
1Y
65.1%
SYF
US$69.56
Synchrony Financial
7D
1.2%
1Y
12.6%
BFH
US$96.45
Bread Financial Holdings
7D
9.2%
1Y
77.0%
FCFS
US$211.73
FirstCash Holdings
7D
-3.9%
1Y
61.9%
SLM
US$21.30
SLM
7D
-1.5%
1Y
-32.8%
Narrative Update • Jun 04

SLM: Credit Stability And Capital Returns Will Support Future Re Rating

Analysts have nudged the SLM price target higher by about $0.64, pointing to updated views on fair value; a slightly higher assumed discount rate; softer revenue growth expectations; modestly lower profit margin assumptions; and a small adjustment to the future P/E multiple in light of recent mixed target changes across the Street. Analyst Commentary Recent Street research on SLM shows a mix of higher and lower price targets, along with at least one reported upgrade, reflecting a debate over how the stock should be valued against execution risks and growth opportunities.
ALLY
US$41.88
Ally Financial
7D
2.3%
1Y
12.0%
Narrative Update • Jun 01

ALLY: Capital Return And Digital Brand Execution Will Drive Future Upside

Analysts have raised their average price target on Ally Financial by $1, reflecting updated views on fair value, discount rate assumptions, projected revenue growth, profit margin outlook and future P/E expectations. Analyst Commentary Recent Street research on Ally Financial shows a mix of higher and lower price targets, with several bullish analysts lifting their fair value estimates and a smaller group trimming targets, including JPMorgan and Evercore ISI.
LU
US$1.34
Lufax Holding
7D
-14.1%
1Y
-54.4%