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U.S. Consumer Finance Industry Analysis

UpdatedJun 25, 2026
DataAggregated Company Financials
Companies56
  • 7D0.8%
  • 3M14.2%
  • 1Y5.9%
  • YTD-11.0%

Over the last 7 days, the Consumer Finance industry has remained flat, although notably SoFi Technologies declined by 3.4%. As for the the longer term, the industry is up 5.9% over the past 12 months. 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, 25 Jun 2026US$505.1bUS$184.3bUS$27.8b8.5x18.2x2.7x
Sat, 23 May 2026US$473.6bUS$184.8bUS$28.2b9.8x16.8x2.6x
Mon, 20 Apr 2026US$510.9bUS$176.3bUS$26.1b9.3x19.6x2.9x
Wed, 18 Mar 2026US$452.2bUS$176.0bUS$26.2b7.5x17.3x2.6x
Fri, 13 Feb 2026US$527.3bUS$175.7bUS$25.8b8x20.4x3x
Sun, 11 Jan 2026US$595.1bUS$168.3bUS$24.4b9.5x24.4x3.5x
Tue, 09 Dec 2025US$568.1bUS$168.1bUS$24.4b10.3x23.3x3.4x
Thu, 06 Nov 2025US$551.5bUS$166.1bUS$23.9b11x23.1x3.3x
Sat, 04 Oct 2025US$529.2bUS$157.0bUS$21.3b10.1x24.9x3.4x
Mon, 01 Sep 2025US$538.8bUS$156.7bUS$21.2b10.5x25.4x3.4x
Wed, 30 Jul 2025US$503.7bUS$154.4bUS$20.4b9.7x24.7x3.3x
Fri, 27 Jun 2025US$437.1bUS$156.9bUS$25.0b9.2x17.5x2.8x
Sun, 25 May 2025US$397.0bUS$156.2bUS$24.9b8.2x15.9x2.5x
Tue, 22 Apr 2025US$391.6bUS$167.0bUS$29.2b9.3x13.4x2.3x
Thu, 20 Mar 2025US$424.5bUS$166.7bUS$29.5b11.1x14.4x2.5x
Sat, 15 Feb 2025US$484.2bUS$168.7bUS$28.9b12.1x16.7x2.9x
Mon, 13 Jan 2025US$445.2bUS$161.0bUS$26.8b11.1x16.6x2.8x
Wed, 11 Dec 2024US$466.2bUS$161.2bUS$26.4b12.5x17.6x2.9x
Fri, 08 Nov 2024US$460.6bUS$161.4bUS$26.4b12.1x17.4x2.9x
Sun, 06 Oct 2024US$408.7bUS$158.6bUS$25.7b10x15.9x2.6x
Tue, 03 Sep 2024US$396.5bUS$158.5bUS$25.6b11.2x15.5x2.5x
Thu, 01 Aug 2024US$394.4bUS$158.4bUS$26.0b10.7x15.2x2.5x
Sat, 29 Jun 2024US$356.0bUS$156.6bUS$25.1b9.1x14.2x2.3x
Mon, 27 May 2024US$364.6bUS$156.8bUS$25.3b9.4x14.4x2.3x
Wed, 24 Apr 2024US$372.4bUS$156.1bUS$24.2b11x15.4x2.4x
Fri, 22 Mar 2024US$337.8bUS$150.6bUS$22.6b10.7x15x2.2x
Sun, 18 Feb 2024US$318.0bUS$153.6bUS$22.8b8.8x13.9x2.1x
Tue, 16 Jan 2024US$288.9bUS$150.0bUS$23.2b8.7x12.5x1.9x
Thu, 14 Dec 2023US$273.2bUS$149.9bUS$23.2b8.6x11.8x1.8x
Sat, 11 Nov 2023US$238.9bUS$150.0bUS$23.2b6.9x10.3x1.6x
Mon, 09 Oct 2023US$237.9bUS$149.1bUS$23.1b7.4x10.3x1.6x
Wed, 06 Sep 2023US$255.9bUS$149.3bUS$23.0b8x11.1x1.7x
Fri, 04 Aug 2023US$277.0bUS$150.1bUS$23.5b8.4x11.8x1.8x
Sun, 02 Jul 2023US$279.7bUS$150.0bUS$24.8b7.4x11.3x1.9x
Price to Earnings Ratio

11.3x


Total Market Cap: US$279.7bTotal Earnings: US$24.8bTotal Revenue: US$150.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.5x202420252026
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 18.2x which is higher than its 3-year average PE of 16.5x.
  • 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 3.9% per year over the last three years.
  • Revenues for these companies have grown 7.1% 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-2.47%
Financials-0.26%
Consumer Finance0.82%
Consumer Finance0.82%
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$342.560.6%
+US$1.4b		11.0%PE21.1x
SYF Synchrony FinancialUS$76.323.0%
+US$743.4m		17.5%PE7.3x
KSPI Kaspi.kzUS$85.804.4%
+US$683.1m		2.6%PE7.4x
ENVA Enova InternationalUS$216.589.8%
+US$480.9m		108.9%PE16.5x
DAVE DaveUS$323.2213.1%
+US$475.3m		42.9%PE18.3x

Latest News

ENVA
US$216.58
Enova International
7D
9.8%
1Y
108.9%
Seeking Alpha • 6h

Enova: The Grasshopper Deal Could Create Long-Term Value Beyond Initial Synergies

Summary Enova is expanding its small business lending with the acquisition of Grasshopper Bank, aiming to reduce funding costs and boost profitability. The SMB segment now represents 70% of ENVA's loan portfolio, with Q1 2026 SMB revenue up 37% YoY, outpacing consumer growth. Management expects the Grasshopper acquisition to be over 15% EPS accretive in year one and over 25% as synergies are realized. I rate ENVA a 'buy' as the bank acquisition could drive greater long-term value, leveraging ENVA’s broad SMB reach. Read the full article on Seeking Alpha
JFIN
US$3.01
Jiayin Group
7D
-24.9%
1Y
-81.6%
Seeking Alpha • 14h

Jiayin: Focus On Disappointing Results And Worrying Guidance (Rating Downgrade)

Summary Jiayin Group Inc. is downgraded from "Buy" to "Sell" following a sharp earnings reversal and weak forward guidance. JFIN posted a Q1 2026 net loss of CNY62 million, ending a 29-quarter positive profit streak, with loan volumes and revenue down 46% and 57% YoY. Management guides for Q2 2026 transaction volume to decline 48% QoQ and 73% YoY amid regulatory tightening and macro uncertainty. Read the full article on Seeking Alpha
SOFI
US$17.31
SoFi Technologies
7D
-3.4%
1Y
3.2%
FCFS
US$218.88
FirstCash Holdings
7D
-3.6%
1Y
59.0%
AXP
US$342.56
American Express
7D
0.6%
1Y
11.0%
Narrative Update • Jun 24

AXP: Future Returns Will Reflect 2026 Guide And Dining Expansion Versus Margin Risk

The analyst price target for American Express has been trimmed by about $15 to reflect slightly lower modeled fair value, margins and P/E, even as analysts highlight support from recent rating upgrades, solid management commentary and the planned acquisition of TheFork. Analyst Commentary Analyst commentary on American Express reflects a mix of optimism around execution and customer quality, alongside some caution captured in reduced price targets and valuation resets.
COF
US$200.48
Capital One Financial
7D
-0.2%
1Y
-3.6%
Narrative Update • Jun 24

COF: Reset P/E And Discover Synergies Will Shape Future Rerating Potential

The analyst price target for Capital One Financial has been trimmed by $1 to $214, reflecting a blend of recent Street revisions that generally reset expectations following widespread target cuts and mixed rating changes across major firms. Analyst Commentary Recent Street commentary on Capital One Financial points to a reset in expectations, with several bearish analysts cutting price targets and one higher-profile upgrade from JPMorgan providing a partial counterbalance.
SYF
US$76.32
Synchrony Financial
7D
3.0%
1Y
17.5%
KSPI
US$85.80
Kaspi.kz
7D
4.4%
1Y
2.6%
Narrative Update • Jun 23

KSPI: Dividend Momentum And Earnings Resilience Will Support Future Confidence

Kaspi.kz's analyst price target has been adjusted slightly higher by $8. Analysts point to updated assumptions on the discount rate, revenue growth, profit margin, and future P/E to support the change.
CACC
US$602.14
Credit Acceptance
7D
6.9%
1Y
18.2%
Narrative Update • Jun 23

CACC: Refreshed Assumptions And Buybacks Will Shape Future Risk Balance

Credit Acceptance's analyst price target has moved higher by $50 to $90 across recent updates, as analysts cite refreshed valuation work and adjustments to P/E and discount rate assumptions to reflect the latest risk and return profile. Analyst Commentary Recent research on Credit Acceptance shows a mix of optimism and caution, with price targets both raised and reduced as analysts revisit their P/E and discount rate assumptions.
DAVE
US$323.22
Dave
7D
13.1%
1Y
42.9%
Narrative Update • Jun 22

DAVE: Index Inclusion And Liquidity Moves Will Shape A Balanced Risk Profile

Analysts have inched their fair value estimate for Dave higher to about $336 per share, reflecting a modestly higher blended Street price target driven by confidence in ExtraCash traction, member engagement, and new product initiatives such as buy now pay later. Analyst Commentary Recent Street research on Dave centers on how far the ExtraCash product, newer offerings like buy now pay later, and broader member growth can justify current valuation levels and the latest round of higher price targets.
UPST
US$32.65
Upstart Holdings
7D
7.2%
1Y
-47.7%
Seeking Alpha • Jun 22

Upstart: Improving Investment Setup At A 10x P/E

Summary Upstart remains a 'Strong Buy' as I expect a multi-year EBITDA upswing driven by AI-powered loan origination and eventual Fed rate cuts. UPST's Q1 transaction volumes surged 61% year-over-year to $3.4B, fueling a 44% Y/Y revenue increase and highlighting robust platform scale. Despite delayed Fed rate cuts, UPST trades at a 44% discount to Fintech peers and a 54% discount to its 3-year average P/E, offering significant revaluation potential if rates fall. I see fair value at a 20X P/E, implying 111% upside, assuming EBITDA growth and expansion of auto and HELOCs as key catalysts. Read the full article on Seeking Alpha
FIGR
US$27.40
Figure Technology Solutions
7D
-4.0%
1Y
n/a
SLM
US$23.84
SLM
7D
3.9%
1Y
-26.2%
Seeking Alpha • Jun 14

Sallie Mae's Safest Borrowers Are Suddenly Defaulting

Summary Sallie Mae remains a hold as competitive pressures and delinquency trends cloud near-term earnings visibility despite dominant private student loan market share. SLM faces acute risk from refinancing firms acquiring delinquent loans at steep discounts, eroding recoveries, and requiring urgent operational changes. Projected 70% origination growth over four years could be a future catalyst, but benefits from public loan cap changes may take time to materialize. With a forward PE of 7x and valuation reset, SLM appears fairly valued given current uncertainties and lack of clear recovery strategy. Read the full article on Seeking Alpha
DFDV
US$2.62
DeFi Development
7D
-15.2%
1Y
-86.1%
ANTA
US$6.19
Antalpha Platform Holding
7D
-8.2%
1Y
-43.5%
LU
US$1.28
Lufax Holding
7D
-5.2%
1Y
-54.3%