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U.S. Consumer Finance Industry Analysis

UpdatedJun 29, 2026
DataAggregated Company Financials
Companies56
  • 7D1.8%
  • 3M16.8%
  • 1Y4.8%
  • YTD-10.1%

Over the last 7 days, the Consumer Finance industry has risen 1.8%, driven by gains from Capital One Financial of 1.6%. During this same period, the FirstCash Holdings underperformed, falling 7.2%. This means that the industry has gained 4.8% over the past year. 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
Mon, 29 Jun 2026US$517.0bUS$184.2bUS$27.7b8.7x18.7x2.8x
Wed, 27 May 2026US$475.3bUS$184.7bUS$28.0b9.6x17x2.6x
Fri, 24 Apr 2026US$506.6bUS$180.1bUS$26.9b9.5x18.8x2.8x
Sun, 22 Mar 2026US$450.8bUS$175.8bUS$25.7b7.8x17.6x2.6x
Tue, 17 Feb 2026US$507.2bUS$175.7bUS$25.8b8.1x19.7x2.9x
Thu, 15 Jan 2026US$564.1bUS$168.3bUS$24.4b9x23.1x3.4x
Sat, 13 Dec 2025US$589.3bUS$168.0bUS$24.3b9.5x24.2x3.5x
Mon, 10 Nov 2025US$552.2bUS$166.5bUS$24.2b10.3x22.8x3.3x
Wed, 08 Oct 2025US$532.1bUS$157.0bUS$21.3b10.3x25x3.4x
Fri, 05 Sep 2025US$526.5bUS$156.7bUS$21.2b10.6x24.8x3.4x
Sun, 03 Aug 2025US$483.5bUS$154.7bUS$20.6b9x23.5x3.1x
Tue, 01 Jul 2025US$447.3bUS$156.9bUS$25.0b9.3x17.9x2.9x
Thu, 29 May 2025US$409.2bUS$156.2bUS$24.9b8.8x16.4x2.6x
Sat, 26 Apr 2025US$428.0bUS$167.7bUS$29.1b10.1x14.7x2.6x
Mon, 24 Mar 2025US$427.8bUS$166.8bUS$29.5b11.1x14.5x2.6x
Wed, 19 Feb 2025US$492.8bUS$168.7bUS$28.9b12.6x17x2.9x
Fri, 17 Jan 2025US$476.7bUS$160.9bUS$26.8b11.9x17.8x3x
Sun, 15 Dec 2024US$470.2bUS$161.1bUS$26.4b12.1x17.8x2.9x
Tue, 12 Nov 2024US$451.5bUS$161.3bUS$26.4b12.4x17.1x2.8x
Thu, 10 Oct 2024US$399.3bUS$158.5bUS$25.6b9.9x15.6x2.5x
Sat, 07 Sep 2024US$372.1bUS$158.6bUS$25.7b10.3x14.5x2.3x
Mon, 05 Aug 2024US$359.2bUS$158.6bUS$25.9b9.2x13.9x2.3x
Wed, 03 Jul 2024US$365.7bUS$156.6bUS$25.1b9.2x14.6x2.3x
Fri, 31 May 2024US$363.4bUS$156.6bUS$25.3b9.4x14.4x2.3x
Sun, 28 Apr 2024US$368.8bUS$156.3bUS$25.0b11.3x14.8x2.4x
Tue, 26 Mar 2024US$335.3bUS$150.6bUS$22.6b10.7x14.9x2.2x
Thu, 22 Feb 2024US$321.9bUS$153.5bUS$22.8b8.9x14.1x2.1x
Sat, 20 Jan 2024US$284.7bUS$152.2bUS$22.3b8.5x12.7x1.9x
Mon, 18 Dec 2023US$291.2bUS$150.0bUS$23.2b8.8x12.6x1.9x
Wed, 15 Nov 2023US$240.6bUS$149.3bUS$23.0b7.2x10.5x1.6x
Fri, 13 Oct 2023US$243.1bUS$149.1bUS$23.1b7.4x10.5x1.6x
Sun, 10 Sep 2023US$250.4bUS$149.2bUS$23.0b7.9x10.9x1.7x
Tue, 08 Aug 2023US$276.6bUS$150.1bUS$23.5b8.5x11.8x1.8x
Thu, 06 Jul 2023US$280.6bUS$150.0bUS$24.8b7.4x11.3x1.9x
Price to Earnings Ratio

11.3x


Total Market Cap: US$280.6bTotal 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 18.7x which is higher than its 3-year average PE of 16.5x.
  • The 3-year average PS ratio of 2.5x is lower than the industry's current PS ratio of 2.8x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 3.8% 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-2.52%
Financials0.55%
Consumer Finance1.81%
Consumer Finance1.81%
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
COF Capital One FinancialUS$204.001.6%
+US$2.0b		-4.1%PE48.7x
AXP American ExpressUS$340.360.7%
+US$1.6b		6.7%PE20.9x
SOFI SoFi TechnologiesUS$17.884.6%
+US$1.0b		-1.8%PE39.8x
SYF Synchrony FinancialUS$78.663.9%
+US$992.3m		17.9%PE7.5x
KSPI Kaspi.kzUS$88.954.9%
+US$786.7m		4.8%PE7.7x

Latest News

VRM
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Vroom
7D
-6.9%
1Y
-70.2%
DAVE
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Dave
7D
12.6%
1Y
29.9%
COF
US$204.00
Capital One Financial
7D
1.6%
1Y
-4.1%
ENVA
US$231.04
Enova International
7D
12.8%
1Y
107.2%
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Rising Small Business Lending And AI Model Risks Will Pressure Margins

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CACC
US$628.86
Credit Acceptance
7D
8.9%
1Y
23.4%
SOFI
US$17.88
SoFi Technologies
7D
4.6%
1Y
-1.8%
KSPI
US$88.95
Kaspi.kz
7D
4.9%
1Y
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FIGR
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Figure Technology Solutions
7D
-7.7%
1Y
n/a
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SYF
US$78.66
Synchrony Financial
7D
3.9%
1Y
17.9%
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AXP
US$340.36
American Express
7D
0.7%
1Y
6.7%
ANTA
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Antalpha Platform Holding
7D
-11.4%
1Y
-50.0%
HTT
US$2.51
High Templar Tech
7D
-19.0%
1Y
-20.1%
LX
US$1.95
LexinFintech Holdings
7D
-1.5%
1Y
-73.0%
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LX: Completed Share Buybacks Will Support Future Dividend-Driven Upside Potential

Analysts have trimmed their price target for LexinFintech Holdings to $2.30 from $2.60, citing updates to fair value estimates, discount rate assumptions, revenue growth expectations, profit margin outlook, and future P/E levels. What's in the News for LexinFintech Holdings LexinFintech Holdings reported that from January 1, 2026 to May 26, 2026, it repurchased 0 shares for US$0 million under its existing share buyback program.
JFIN
US$3.01
Jiayin Group
7D
-24.4%
1Y
-81.2%
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FCFS
US$212.45
FirstCash Holdings
7D
-7.2%
1Y
57.2%
DFDV
US$2.73
DeFi Development
7D
-7.1%
1Y
-87.3%