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U.S. Consumer Finance Industry Analysis

UpdatedMay 31, 2026
DataAggregated Company Financials
Companies56
  • 7D2.0%
  • 3M2.9%
  • 1Y7.5%
  • YTD-15.9%

Over the last 7 days, the Consumer Finance industry has risen 2.0%, driven by gains in SoFi Technologies and American Express of 17% and 1.5%, respectively. This takes the industry's 12 month performance to a gain of 7.5%. As for the next few years, earnings are expected to grow by 19% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 31 May 2026US$484.7bUS$184.4bUS$27.9b9.1x17.4x2.6x
Tue, 28 Apr 2026US$489.0bUS$182.4bUS$27.4b9.3x17.8x2.7x
Thu, 26 Mar 2026US$458.2bUS$175.7bUS$25.7b7.9x17.9x2.6x
Sat, 21 Feb 2026US$509.5bUS$174.9bUS$25.7b8.6x19.9x2.9x
Mon, 19 Jan 2026US$577.2bUS$168.3bUS$24.4b9x23.7x3.4x
Wed, 17 Dec 2025US$582.5bUS$168.1bUS$24.4b9.7x23.9x3.5x
Fri, 14 Nov 2025US$565.9bUS$167.5bUS$24.2b10.6x23.4x3.4x
Sun, 12 Oct 2025US$507.0bUS$157.1bUS$21.3b9.5x23.8x3.2x
Tue, 09 Sep 2025US$529.5bUS$156.8bUS$21.2b10.6x24.9x3.4x
Thu, 07 Aug 2025US$491.6bUS$155.7bUS$20.7b9.5x23.7x3.2x
Sat, 05 Jul 2025US$465.5bUS$156.9bUS$25.0b9.9x18.6x3x
Mon, 02 Jun 2025US$405.9bUS$156.2bUS$24.9b8.9x16.3x2.6x
Wed, 30 Apr 2025US$425.8bUS$168.0bUS$29.2b10x14.6x2.5x
Fri, 28 Mar 2025US$435.1bUS$166.7bUS$29.5b11.1x14.8x2.6x
Sun, 23 Feb 2025US$472.1bUS$168.8bUS$29.0b12.6x16.3x2.8x
Tue, 21 Jan 2025US$479.2bUS$161.0bUS$26.8b11.9x17.9x3x
Thu, 19 Dec 2024US$466.9bUS$161.1bUS$26.4b11.2x17.7x2.9x
Sat, 16 Nov 2024US$449.2bUS$161.3bUS$26.4b12.3x17x2.8x
Mon, 14 Oct 2024US$411.8bUS$158.6bUS$25.7b10.1x16.1x2.6x
Wed, 11 Sep 2024US$379.8bUS$158.5bUS$25.7b9.9x14.8x2.4x
Fri, 09 Aug 2024US$352.3bUS$158.7bUS$25.9b11.1x13.6x2.2x
Sun, 07 Jul 2024US$365.1bUS$156.5bUS$25.1b9x14.6x2.3x
Tue, 04 Jun 2024US$367.4bUS$156.7bUS$25.3b9.4x14.6x2.3x
Thu, 02 May 2024US$363.2bUS$156.4bUS$25.0b10.8x14.5x2.3x
Sat, 30 Mar 2024US$367.3bUS$155.0bUS$24.4b11.2x15x2.4x
Mon, 26 Feb 2024US$321.2bUS$153.6bUS$22.6b9x14.2x2.1x
Wed, 24 Jan 2024US$291.4bUS$152.1bUS$22.2b8.8x13.1x1.9x
Fri, 22 Dec 2023US$290.2bUS$150.0bUS$23.2b9x12.5x1.9x
Sun, 19 Nov 2023US$244.9bUS$149.5bUS$23.0b7.5x10.6x1.6x
Tue, 17 Oct 2023US$242.8bUS$149.1bUS$23.1b7.4x10.5x1.6x
Thu, 14 Sep 2023US$253.0bUS$149.3bUS$23.0b7.8x11x1.7x
Sat, 12 Aug 2023US$269.7bUS$149.8bUS$23.3b8.1x11.6x1.8x
Mon, 10 Jul 2023US$275.5bUS$150.1bUS$24.8b7.4x11.1x1.8x
Wed, 07 Jun 2023US$277.1bUS$150.3bUS$24.5b6.9x11.3x1.8x
Price to Earnings Ratio

11.3x


Total Market Cap: US$277.1bTotal Earnings: US$24.5bTotal Revenue: US$150.3bTotal 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$18.2216.6%
+US$3.3b		37.0%PE40.5x
AXP American ExpressUS$316.471.5%
+US$3.2b		7.6%PE19.5x
DAVE DaveUS$282.5623.7%
+US$687.8m		40.7%PE16x
QFIN Qfin HoldingsUS$16.0838.0%
+US$539.4m		-60.9%PE2.6x
UPST Upstart HoldingsUS$33.7918.3%
+US$500.6m		-28.4%PE65.5x

Latest News

CACC
US$573.64
Credit Acceptance
7D
5.3%
1Y
20.2%
FIGR
US$35.35
Figure Technology Solutions
7D
4.1%
1Y
n/a
UPST
US$33.79
Upstart Holdings
7D
18.3%
1Y
-28.4%
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
40.7%
SOFI
US$18.22
SoFi Technologies
7D
16.6%
1Y
37.0%
KSPI
US$90.40
Kaspi.kz
7D
-1.2%
1Y
13.3%
LC
US$17.85
LendingClub
7D
14.2%
1Y
78.0%
QFIN
US$16.08
Qfin Holdings
7D
38.0%
1Y
-60.9%
AXP
US$316.47
American Express
7D
1.5%
1Y
7.6%
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
ECPG
US$79.93
Encore Capital Group
7D
-0.3%
1Y
110.9%
EZPW
US$31.24
EZCORP
7D
-7.5%
1Y
132.3%
YRD
US$1.36
Yiren Digital
7D
-15.0%
1Y
-78.3%
ANTA
US$7.45
Antalpha Platform Holding
7D
-7.1%
1Y
-41.3%
JCAP
US$16.99
Jefferson Capital
7D
-1.7%
1Y
n/a
New Narrative • May 21

Elevated Consumer Delinquencies And Legal Collections Expansion Will Support Future Earnings Potential

Catalysts About Jefferson Capital Jefferson Capital acquires and services consumer debt portfolios across credit card, auto finance, insolvency and other non-mortgage asset classes in the U.S., Canada, the U.K. and Latin America. What are the underlying business or industry changes driving this perspective?
FCFS
US$219.91
FirstCash Holdings
7D
-3.4%
1Y
71.9%
SYF
US$71.44
Synchrony Financial
7D
-0.5%
1Y
23.9%
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.