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U.S. Consumer Finance Industry Analysis

UpdatedAug 20, 2026
DataAggregated Company Financials
Companies51
  • 7D-0.4%
  • 3M12.3%
  • 1Y6.2%
  • YTD-7.7%

Over the last 7 days, the Consumer Finance industry has remained flat, although notably Figure Technology Solutions gained 20%. The past year has been better, since the industry has gained 6.2% in that time. 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
Thu, 20 Aug 2026US$524.8bUS$200.5bUS$35.4b9.9x14.8x2.6x
Sat, 18 Jul 2026US$535.4bUS$184.5bUS$27.7b8.8x19.3x2.9x
Mon, 15 Jun 2026US$484.0bUS$184.5bUS$27.9b8.3x17.4x2.6x
Wed, 13 May 2026US$475.1bUS$184.0bUS$28.2b9.3x16.8x2.6x
Fri, 10 Apr 2026US$476.7bUS$175.8bUS$25.5b8.5x18.7x2.7x
Sun, 08 Mar 2026US$464.3bUS$176.2bUS$26.2b7.9x17.7x2.6x
Tue, 03 Feb 2026US$537.4bUS$175.0bUS$25.6b9x21x3.1x
Thu, 01 Jan 2026US$582.0bUS$168.3bUS$24.4b9.6x23.9x3.5x
Sat, 29 Nov 2025US$555.8bUS$168.1bUS$24.4b9.8x22.8x3.3x
Mon, 27 Oct 2025US$557.5bUS$165.2bUS$23.8b10.1x23.4x3.4x
Wed, 24 Sep 2025US$558.1bUS$157.0bUS$21.3b10.8x26.2x3.6x
Fri, 22 Aug 2025US$503.7bUS$156.5bUS$21.2b10.1x23.8x3.2x
Sun, 20 Jul 2025US$451.2bUS$158.2bUS$24.8b9.7x18.2x2.9x
Tue, 17 Jun 2025US$408.0bUS$156.5bUS$24.9b8.8x16.4x2.6x
Thu, 15 May 2025US$473.4bUS$168.8bUS$29.4b10x16.1x2.8x
Sat, 12 Apr 2025US$387.4bUS$166.4bUS$29.4b9.3x13.2x2.3x
Mon, 10 Mar 2025US$429.0bUS$166.8bUS$29.4b11.1x14.6x2.6x
Wed, 05 Feb 2025US$487.8bUS$168.4bUS$28.7b12.8x17x2.9x
Fri, 03 Jan 2025US$454.7bUS$161.0bUS$26.8b11.3x17x2.8x
Sun, 01 Dec 2024US$477.1bUS$161.2bUS$26.4b12.8x18.1x3x
Tue, 29 Oct 2024US$407.8bUS$160.7bUS$26.1b10.2x15.6x2.5x
Thu, 26 Sep 2024US$390.7bUS$158.7bUS$25.7b9.8x15.2x2.5x
Sat, 24 Aug 2024US$378.4bUS$158.4bUS$25.7b11.8x14.8x2.4x
Mon, 22 Jul 2024US$383.2bUS$158.9bUS$26.6b9.8x14.4x2.4x
Wed, 19 Jun 2024US$356.0bUS$156.7bUS$25.1b9x14.2x2.3x
Fri, 17 May 2024US$373.5bUS$156.7bUS$25.3b9.6x14.8x2.4x
Sun, 14 Apr 2024US$351.4bUS$154.9bUS$24.4b10.2x14.4x2.3x
Tue, 12 Mar 2024US$327.9bUS$150.5bUS$22.7b9.9x14.4x2.2x
Thu, 08 Feb 2024US$308.8bUS$153.6bUS$22.9b8.5x13.5x2x
Sat, 06 Jan 2024US$295.1bUS$150.0bUS$23.2b8.8x12.7x2x
Mon, 04 Dec 2023US$269.3bUS$150.0bUS$23.1b8.2x11.6x1.8x
Wed, 01 Nov 2023US$231.4bUS$150.0bUS$23.2b7.5x10x1.5x
Fri, 29 Sep 2023US$241.5bUS$149.3bUS$23.0b7.7x10.5x1.6x
Sun, 27 Aug 2023US$251.5bUS$148.9bUS$23.1b7.9x10.9x1.7x
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 14.8x 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 Market-0.79%
Financials-0.72%
Consumer Finance-0.41%
Consumer Finance-0.41%
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$36.8520.1%
+US$1.5b		n/aPE43.2x
SOFI SoFi TechnologiesUS$18.422.7%
+US$620.0m		-18.2%PE37.4x
DAVE DaveUS$345.059.1%
+US$368.1m		83.3%PE19.8x
KSPI Kaspi.kzUS$101.481.9%
+US$366.8m		12.4%PE8.3x
JCAP Jefferson CapitalUS$23.4110.9%
+US$175.0m		30.3%PE10.5x

Latest News

ECPG
US$101.26
Encore Capital Group
7D
3.9%
1Y
144.8%
COF
US$220.73
Capital One Financial
7D
-0.8%
1Y
2.8%
HAPN
US$18.56
Happen
7D
-4.8%
1Y
22.3%
JCAP
US$23.41
Jefferson Capital
7D
10.9%
1Y
30.3%
KSPI
US$101.48
Kaspi.kz
7D
1.9%
1Y
12.4%
Narrative Update • Aug 18

KSPI: Turkey Expansion And Margin Reset Will Shape Upcoming Shareholder Decisions

Kaspi.kz's analyst fair value has shifted from $96.96 to $101.47 as analysts factor in updated profit margin and valuation assumptions alongside a Street price target move to $100, supported by expectations that the Turkey expansion could be moving from an investment phase toward acceleration. What's in the News Kaspi.kz reported Q2 2026 results that management described as strong, with 15% revenue growth driven by e commerce and expansion of its fintech loan portfolio.
FIGR
US$36.85
Figure Technology Solutions
7D
20.1%
1Y
n/a
Seeking Alpha • Aug 18

Figure Technology: Loan Originations Are Doubling, Fueling 60%+ EBITDA Margin Expectations

Summary Figure Technology Solutions, Inc. is a blockchain lending platform decoupling from broader AI-driven market trends. Despite a 20% YTD decline, FIGR's marketplace lending volumes are accelerating, and Q2 results were strong, supporting a reiterated buy rating. FIGR is expanding beyond HELOCs into first-lien mortgages, bridge, and construction loans, with loan volumes up 3x year-over-year. Management targets a doubling of consumer marketplace loan volumes and ~60% adjusted EBITDA margins by 2026–2028, underscoring long-term growth potential. Read the full article on Seeking Alpha
DAVE
US$345.05
Dave
7D
9.1%
1Y
83.3%
Seeking Alpha • Aug 18

Dave: Steady Member Base And Growing CashAI Keep This Stock A Buy

Summary Dave Inc. remains a buy after a 20% post-earnings pullback, driven by strong earnings growth and durable member expansion. Dave's ExtraCash and CashAI platforms underpin industry-leading margins, with gross margin above 72% and net margin at 35%, supporting robust unit economics. Q2 saw 30% YoY revenue growth, 50% adjusted EBITDA growth, and a 32% YoY jump in new members at just $19 acquisition cost. While Dave's valuation has rerated to a 21x trailing PE, ongoing platform innovation and low acquisition costs support continued outperformance versus its multiple. Read the full article on Seeking Alpha
SYF
US$79.62
Synchrony Financial
7D
0.3%
1Y
11.2%
AXP
US$339.90
American Express
7D
-1.2%
1Y
10.2%
SOFI
US$18.42
SoFi Technologies
7D
2.7%
1Y
-18.2%
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$30.60
Upstart Holdings
7D
5.2%
1Y
-52.1%
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.
QFIN
US$11.79
Qfin Holdings
7D
-6.2%
1Y
-60.3%
ENVA
US$254.38
Enova International
7D
-2.3%
1Y
136.2%
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$43.11
Ally Financial
7D
-2.6%
1Y
12.7%
SLM
US$26.59
SLM
7D
-4.9%
1Y
-13.3%