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U.S. Consumer Finance Industry Analysis

UpdatedJun 01, 2026
DataAggregated Company Financials
Companies56
  • 7D2.0%
  • 3M2.9%
  • 1Y6.7%
  • YTD-15.9%

In the last week, the Consumer Finance industry is up 2.0%, with SoFi Technologies up 19%. This takes the industry's 12 month performance to a gain of 6.7%. 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
Tue, 02 Jun 2026US$484.6bUS$184.5bUS$27.9b9.1x17.4x2.6x
Thu, 30 Apr 2026US$489.2bUS$182.3bUS$27.4b9.7x17.8x2.7x
Sat, 28 Mar 2026US$451.8bUS$175.5bUS$25.6b7.7x17.6x2.6x
Mon, 23 Feb 2026US$512.8bUS$174.8bUS$25.6b8.6x20x2.9x
Wed, 21 Jan 2026US$577.2bUS$168.4bUS$24.4b8.7x23.6x3.4x
Fri, 19 Dec 2025US$577.2bUS$168.1bUS$24.3b9.7x23.7x3.4x
Sun, 16 Nov 2025US$540.5bUS$167.7bUS$24.3b9.9x22.2x3.2x
Tue, 14 Oct 2025US$507.0bUS$157.1bUS$21.3b9.8x23.8x3.2x
Thu, 11 Sep 2025US$528.8bUS$156.7bUS$21.2b10.4x24.9x3.4x
Sat, 09 Aug 2025US$487.9bUS$155.9bUS$21.0b9.4x23.3x3.1x
Mon, 07 Jul 2025US$465.5bUS$156.9bUS$25.0b9.9x18.6x3x
Wed, 04 Jun 2025US$409.0bUS$156.4bUS$24.9b9x16.4x2.6x
Fri, 02 May 2025US$423.0bUS$168.1bUS$29.2b9.9x14.5x2.5x
Sun, 30 Mar 2025US$419.4bUS$166.5bUS$29.5b10.5x14.2x2.5x
Tue, 25 Feb 2025US$472.2bUS$166.2bUS$29.2b11.1x16.2x2.8x
Thu, 23 Jan 2025US$488.3bUS$162.0bUS$27.2b12.4x18x3x
Sat, 21 Dec 2024US$449.5bUS$161.0bUS$26.4b11.3x17x2.8x
Mon, 18 Nov 2024US$450.3bUS$161.3bUS$26.4b12.3x17.1x2.8x
Wed, 16 Oct 2024US$413.9bUS$158.5bUS$25.6b10x16.1x2.6x
Fri, 13 Sep 2024US$374.6bUS$158.5bUS$25.7b10.3x14.6x2.4x
Sun, 11 Aug 2024US$364.0bUS$158.7bUS$25.9b11.2x14.1x2.3x
Tue, 09 Jul 2024US$365.1bUS$156.5bUS$25.1b9.1x14.6x2.3x
Thu, 06 Jun 2024US$360.1bUS$156.8bUS$25.3b9.3x14.2x2.3x
Sat, 04 May 2024US$362.8bUS$156.4bUS$25.0b9.9x14.5x2.3x
Mon, 01 Apr 2024US$367.3bUS$155.0bUS$24.4b11.2x15x2.4x
Wed, 28 Feb 2024US$322.6bUS$150.5bUS$22.6b9.1x14.2x2.1x
Fri, 26 Jan 2024US$292.6bUS$152.8bUS$22.6b8.8x12.9x1.9x
Sun, 24 Dec 2023US$297.2bUS$150.0bUS$23.2b9x12.8x2x
Tue, 21 Nov 2023US$250.5bUS$149.5bUS$23.0b7.5x10.9x1.7x
Thu, 19 Oct 2023US$240.5bUS$149.1bUS$23.1b7.2x10.4x1.6x
Sat, 16 Sep 2023US$253.0bUS$149.3bUS$23.0b7.9x11x1.7x
Mon, 14 Aug 2023US$269.7bUS$149.8bUS$23.3b8.1x11.6x1.8x
Wed, 12 Jul 2023US$284.9bUS$150.1bUS$24.8b7.6x11.5x1.9x
Fri, 09 Jun 2023US$278.0bUS$150.4bUS$24.5b7.1x11.3x1.8x
Price to Earnings Ratio

11.3x


Total Market Cap: US$278.0bTotal Earnings: US$24.5bTotal 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 4.4% 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 Market1.58%
Financials-0.41%
Consumer Finance2.03%
Consumer Finance2.03%
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
SOFI SoFi TechnologiesUS$18.5819.0%
+US$3.8b		35.9%PE41.3x
AXP American ExpressUS$313.540.6%
+US$1.2b		6.2%PE19.3x
DAVE DaveUS$282.5623.7%
+US$687.8m		35.1%PE16x
QFIN Qfin HoldingsUS$16.9145.2%
+US$640.4m		-58.7%PE2.7x
UPST Upstart HoldingsUS$33.6117.7%
+US$483.3m		-29.8%PE65.1x

Latest News

KSPI
US$90.17
Kaspi.kz
7D
-1.5%
1Y
8.9%
Seeking Alpha • 11h

Kaspi.kz: Ownership Change Drives Stock Rally

Summary Kaspi.kz remains a 'Buy' as Q1 results align with guidance and the investment thesis, with revenue up 31% YOY to $2.3 billion. Marketplace segment led growth, notably with Hepsiburada’s 94% YOY revenue jump and Kazakh value-added services up 73%, while profitability trends improve. Fintech revenue and loan portfolio grew 25% and 23% respectively, reflecting a strategic shift to longer-duration loans despite a slight NPL ratio increase. Reduced selling pressure after Tencent and the CEO acquired shares from Baring Vostok drove a 30% stock rally; the fair value estimate was raised to $95. Read the full article on Seeking Alpha
LC
US$18.39
LendingClub
7D
17.7%
1Y
82.6%
EZPW
US$30.96
EZCORP
7D
-8.4%
1Y
133.7%
Narrative Update • Jun 01

EZPW: Future Profitability Upside Seen From Expanded Pawn Platform Control

EZCORP's analyst price target has been raised to $39.60 from $23.60, with analysts pointing to updated assumptions on revenue growth, profit margins, discount rates and future P/E as key drivers behind the change. Analyst Commentary Recent research updates point to a cluster of higher price targets for EZCORP, with multiple firms lifting their estimates by between US$4 and US$6.
ALLY
US$42.05
Ally Financial
7D
-0.7%
1Y
19.3%
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.
FINV
US$5.32
FinVolution Group
7D
18.5%
1Y
-36.7%
SOFI
US$18.58
SoFi Technologies
7D
19.0%
1Y
35.9%
Narrative Update • May 31

SOFI: Short Seller Allegations And Equity Issuance Will Pressure Elevated Multiple

SoFi Technologies' updated analyst price target has been reduced by $0.37 to $12.00, as analysts factor in slightly lower expectations for revenue growth and profit margins, partly offset by a higher assumed future P/E multiple and a modestly higher discount rate. Analyst Commentary Recent research on SoFi Technologies points to a clear shift toward more cautious views, with several bearish analysts trimming price targets and flagging risks around the company’s ability to deliver on growth and profitability expectations.
CACC
US$561.67
Credit Acceptance
7D
3.1%
1Y
18.6%
FIGR
US$33.41
Figure Technology Solutions
7D
-1.6%
1Y
n/a
UPST
US$33.61
Upstart Holdings
7D
17.7%
1Y
-29.8%
Seeking Alpha • May 30

Big Insiders Are Buying Upstart Stock Again

Summary Upstart is upgraded to a neutral rating, driven by significant insider buying despite ongoing risks. UPST posted 44% YoY revenue growth and 61% YoY transaction volume growth, but profitability contracted due to margin pressures. Management guides for 34.6% revenue growth in 2024 and targets 35% annual growth through 2028, supported by rapid expansion in auto and home loan originations. While UPST trades at 2x sales and offers upside in bullish scenarios, cyclicality and modest GAAP profitability may limit valuation expansion. Read the full article on Seeking Alpha
DAVE
US$282.56
Dave
7D
23.7%
1Y
35.1%
QFIN
US$16.91
Qfin Holdings
7D
45.2%
1Y
-58.7%
AXP
US$313.54
American Express
7D
0.6%
1Y
6.2%
Seeking Alpha • May 28

American Express Keeps Buy Rating After Stellar Q1, Despite Clouds Over Consumer Confidence

Summary American Express is reaffirmed as a buy, driven by robust fundamentals, margin recovery, and strong dividend growth despite recent technical bearishness. AXP posted 10% FX-adjusted revenue growth in Q1 and maintains 9–10% annual revenue growth guidance through 2026, supported by new card and volume growth. Balance sheet risk remains conservative, with A-level credit ratings, stable credit metrics, and a low payout ratio supporting steady dividend growth. Despite premium valuation and technical sell signals, I see a 14.3% upside to $355 by Dec. 2027, with risks mitigated by diversified income streams. Read the full article on Seeking Alpha
COF
US$184.56
Capital One Financial
7D
-1.7%
1Y
-3.6%
Narrative Update • May 27

COF: P/E Reset And Settlement Resolution Will Support Future Rerating Potential

Analysts have trimmed the Capital One Financial price target from $231 to $215, reflecting recent cuts across the Street as they factor in revised revenue growth, higher profit margin assumptions, and a reset future P/E of about 11x. Analyst Commentary Recent Street research on Capital One Financial has leaned cautious, with a series of price target reductions offset only partially by a single price target increase and one upgrade from JPMorgan.
ECPG
US$78.56
Encore Capital Group
7D
-2.0%
1Y
109.2%
FCFS
US$213.76
FirstCash Holdings
7D
-6.1%
1Y
66.9%
SYF
US$70.82
Synchrony Financial
7D
-1.4%
1Y
21.8%
Narrative Update • May 19

SYF: Future P/E Reset Will Balance Rate Cap And Credit Cycle Risks

Synchrony Financial's analyst fair value estimate has moved from $71.25 to $77.00, with analysts pointing to updated revenue growth assumptions, a modestly higher discount rate, slightly lower profit margin expectations, and a higher future P/E multiple following a series of recent price target changes across the Street. Analyst Commentary Recent Street research on Synchrony Financial has been mixed, with several firms adjusting price targets in both directions and at least one downgrade.