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U.S. Consumer Finance Industry Analysis

UpdatedAug 18, 2026
DataAggregated Company Financials
Companies53
  • 7D0.8%
  • 3M13.3%
  • 1Y5.0%
  • YTD-8.1%

In the last week, the Consumer Finance industry is up 2.2%, with Capital One Financial up 3.8%. During this same period, the Lufax Holding underperformed, falling 9.6%. This takes the industry's 12 month performance to a gain of 7.3%. Earnings are forecast to grow by 12% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 18 Aug 2026US$533.2bUS$200.7bUS$35.4b9.7x15.1x2.7x
Thu, 16 Jul 2026US$526.3bUS$184.5bUS$27.8b8.9x19x2.9x
Sat, 13 Jun 2026US$477.0bUS$184.5bUS$27.9b8.3x17.1x2.6x
Mon, 11 May 2026US$483.1bUS$183.9bUS$28.1b10.1x17.2x2.6x
Wed, 08 Apr 2026US$460.7bUS$176.0bUS$25.5b8.2x18x2.6x
Fri, 06 Mar 2026US$479.1bUS$176.2bUS$26.2b8.4x18.3x2.7x
Sun, 01 Feb 2026US$537.4bUS$175.0bUS$25.6b8.7x21x3.1x
Tue, 30 Dec 2025US$592.3bUS$168.4bUS$24.4b10x24.3x3.5x
Thu, 27 Nov 2025US$546.8bUS$168.0bUS$24.3b9.7x22.5x3.3x
Sat, 25 Oct 2025US$549.4bUS$165.2bUS$23.6b10.3x23.3x3.3x
Mon, 22 Sep 2025US$561.2bUS$157.0bUS$21.3b10.9x26.4x3.6x
Wed, 20 Aug 2025US$507.3bUS$156.4bUS$21.1b10x24x3.2x
Fri, 18 Jul 2025US$452.4bUS$156.7bUS$25.0b9.9x18.1x2.9x
Sun, 15 Jun 2025US$407.0bUS$156.5bUS$24.9b8.6x16.4x2.6x
Tue, 13 May 2025US$446.6bUS$168.7bUS$29.4b9.6x15.2x2.6x
Thu, 10 Apr 2025US$364.9bUS$166.3bUS$29.4b9.7x12.4x2.2x
Sat, 08 Mar 2025US$433.0bUS$166.8bUS$29.4b11.1x14.8x2.6x
Mon, 03 Feb 2025US$491.8bUS$168.4bUS$28.7b12.6x17.1x2.9x
Wed, 01 Jan 2025US$455.3bUS$161.0bUS$26.8b11.4x17x2.8x
Fri, 29 Nov 2024US$475.9bUS$161.2bUS$26.4b12.7x18x3x
Sun, 27 Oct 2024US$407.8bUS$160.8bUS$26.1b9.9x15.6x2.5x
Tue, 24 Sep 2024US$396.8bUS$158.7bUS$25.7b9.8x15.5x2.5x
Thu, 22 Aug 2024US$384.6bUS$158.9bUS$25.9b11.8x14.8x2.4x
Sat, 20 Jul 2024US$392.0bUS$157.7bUS$25.8b9.8x15.2x2.5x
Mon, 17 Jun 2024US$349.7bUS$156.7bUS$25.2b8.8x13.9x2.2x
Wed, 15 May 2024US$369.5bUS$156.7bUS$25.3b10x14.6x2.4x
Fri, 12 Apr 2024US$350.3bUS$154.9bUS$24.4b10.4x14.3x2.3x
Sun, 10 Mar 2024US$329.8bUS$150.5bUS$22.7b10.1x14.5x2.2x
Tue, 06 Feb 2024US$309.4bUS$153.6bUS$22.9b8.7x13.5x2x
Thu, 04 Jan 2024US$295.1bUS$150.0bUS$23.2b8.8x12.7x2x
Sat, 02 Dec 2023US$262.3bUS$150.0bUS$23.1b8.2x11.3x1.7x
Mon, 30 Oct 2023US$225.0bUS$150.0bUS$23.4b7.3x9.6x1.5x
Wed, 27 Sep 2023US$241.3bUS$149.3bUS$23.0b7.3x10.5x1.6x
Fri, 25 Aug 2023US$251.5bUS$148.9bUS$23.1b8x10.9x1.7x
Price to Earnings Ratio

10.9x


Total Market Cap: US$251.5bTotal Earnings: US$23.1bTotal Revenue: US$148.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.8x202420252026
Current Industry PE
  • Investors are pessimistic on the American Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 15.1x which is lower than its 3-year average PE of 16.8x.
  • The industry is trading close to its 3-year average PS ratio of 2.6x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 15% per year over the last three years.
  • Revenues for these companies have grown 10% 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 Market0.11%
Financials-0.12%
Consumer Finance0.81%
Consumer Finance0.81%
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
FIGR Figure Technology SolutionsUS$35.7624.1%
+US$1.7b		n/aPE41.9x
COF Capital One FinancialUS$221.451.1%
+US$1.5b		2.4%PE13.8x
KSPI Kaspi.kzUS$99.055.4%
+US$959.6m		5.7%PE8.1x
SYF Synchrony FinancialUS$80.753.3%
+US$832.9m		12.5%PE7.6x
DAVE DaveUS$341.4310.6%
+US$416.0m		68.8%PE19.6x

Latest News

FIGR
US$35.76
Figure Technology Solutions
7D
24.1%
1Y
n/a
FINV
US$4.37
FinVolution Group
7D
-7.4%
1Y
-51.5%
DAVE
US$341.43
Dave
7D
10.6%
1Y
68.8%
OPFI
US$7.02
OppFi
7D
-20.0%
1Y
-33.8%
KSPI
US$99.05
Kaspi.kz
7D
5.4%
1Y
5.7%
Analysis Article • Aug 15

Analyst Estimates: Here's What Brokers Think Of Joint Stock Company Kaspi.kz (NASDAQ:KSPI) After Its Second-Quarter Report

It's been a good week for Joint Stock Company Kaspi.kz ( NASDAQ:KSPI ) shareholders, because the company has just...
SYF
US$80.75
Synchrony Financial
7D
3.3%
1Y
12.5%
AXP
US$336.21
American Express
7D
-0.8%
1Y
9.5%
FCFS
US$216.24
FirstCash Holdings
7D
3.6%
1Y
56.2%
Seeking Alpha • Aug 14

FirstCash Leveraging A Near-Perfect Storm Into Exceptional Growth

Summary FirstCash Holdings continues to deliver strong double-digit core growth in U.S. and Latin American pawn operations, supported by robust market demand. Management has consistently raised guidance, with Q2 revenue up 29% and EBITDA up 39%, while maintaining strong margins across key geographies. Despite ongoing struggles in the AFF business, FCFS is expanding its UK presence with the Ramsdens acquisition at under 8x EBITDA, targeting scale and efficiency. Valuation is not cheap, but I remain constructive on FCFS’s quality growth profile and am comfortable holding shares for further upside potential. Read the full article on Seeking Alpha
SOFI
US$18.31
SoFi Technologies
7D
1.0%
1Y
-24.4%
Narrative Update • Aug 14

SOFI: Balance Sheet Strength And New Products Support Measured Long-Term Upside

Analysts have modestly reduced fair value for SoFi Technologies to about $19.92 per share, even as they lift official price targets. Truist moved to $19 and Needham to $24, citing stronger balance sheet growth, firmer origination volumes, and expectations for improving profitability metrics.
UPST
US$29.75
Upstart Holdings
7D
-1.5%
1Y
-54.4%
Narrative Update • Aug 14

UPST: Bank Charter And Funding Dependence Will Drive Future Downside Risk

Upstart Holdings' analyst price target has edged higher to $21.01 from $20.00 as analysts factor in steady revenue growth assumptions, a slightly higher discount rate, modestly lower profit margin expectations, and a higher future P/E multiple supported by recent research highlighting core personal loan strength, record contribution profit, and a still supportive funding backdrop. Analyst Commentary Recent Street research on Upstart Holdings presents a mixed picture.
CACC
US$573.09
Credit Acceptance
7D
-1.4%
1Y
20.8%
QFIN
US$11.94
Qfin Holdings
7D
-8.4%
1Y
-60.1%
COF
US$221.45
Capital One Financial
7D
1.1%
1Y
2.4%
ENVA
US$263.91
Enova International
7D
4.5%
1Y
144.7%
Narrative Update • Aug 12

ENVA: Grasshopper Bank Deal And Credit Trends Will Shape Future Upside

The analyst price target for Enova International is now $257, up from $200. Analysts point to updated models following better than expected Q2 results, expectations for Q2 upside from margins and consumer credit, and potential earnings benefits from the planned Grasshopper Bank acquisition and other company initiatives.
ALLY
US$43.61
Ally Financial
7D
-0.4%
1Y
13.6%
LU
US$1.45
Lufax Holding
7D
-12.7%
1Y
-49.1%