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U.S. Consumer Finance Industry Analysis

UpdatedMar 15, 2026
DataAggregated Company Financials
Companies53
  • 7D-2.3%
  • 3M-21.4%
  • 1Y7.9%
  • YTD-21.8%

Over the last 7 days, the Consumer Finance industry has dropped 2.3%, driven by Capital One Financial declining 4.2%. On the other hand Figure Technology Solutions is actually up 15%. This takes the industry's 12 month performance to a gain of 7.9%. As for the next few years, earnings are expected to grow by 17% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 15 Mar 2026US$452.7bUS$175.8bUS$26.1b7.8x17.3x2.6x
Tue, 10 Feb 2026US$540.3bUS$175.6bUS$25.8b8.4x20.9x3.1x
Thu, 08 Jan 2026US$606.2bUS$168.3bUS$24.4b9.9x24.9x3.6x
Sat, 06 Dec 2025US$570.1bUS$168.2bUS$24.4b10.3x23.4x3.4x
Mon, 03 Nov 2025US$553.1bUS$165.9bUS$24.3b10.4x22.8x3.3x
Wed, 01 Oct 2025US$548.0bUS$157.0bUS$21.3b10.1x25.8x3.5x
Fri, 29 Aug 2025US$529.5bUS$156.7bUS$21.2b10.5x24.9x3.4x
Sun, 27 Jul 2025US$504.0bUS$154.1bUS$20.2b9.9x24.9x3.3x
Tue, 24 Jun 2025US$422.4bUS$156.3bUS$24.8b8.9x17x2.7x
Thu, 22 May 2025US$412.7bUS$156.2bUS$24.9b9.5x16.6x2.6x
Sat, 19 Apr 2025US$391.7bUS$167.0bUS$29.2b9.5x13.4x2.3x
Mon, 17 Mar 2025US$420.0bUS$166.7bUS$29.3b11x14.3x2.5x
Wed, 12 Feb 2025US$484.1bUS$168.5bUS$28.8b11.3x16.8x2.9x
Fri, 10 Jan 2025US$459.2bUS$161.0bUS$26.8b11.4x17.2x2.9x
Sun, 08 Dec 2024US$473.3bUS$161.2bUS$26.4b12.5x17.9x2.9x
Tue, 05 Nov 2024US$413.5bUS$161.4bUS$26.4b11.3x15.7x2.6x
Thu, 03 Oct 2024US$400.1bUS$158.7bUS$25.7b9.8x15.6x2.5x
Sat, 31 Aug 2024US$395.4bUS$158.6bUS$25.6b11.2x15.4x2.5x
Mon, 29 Jul 2024US$387.6bUS$158.5bUS$26.0b9.4x14.9x2.4x
Wed, 26 Jun 2024US$361.6bUS$156.6bUS$25.1b8.9x14.4x2.3x
Fri, 24 May 2024US$366.7bUS$156.7bUS$25.3b9.3x14.5x2.3x
Sun, 21 Apr 2024US$360.1bUS$156.2bUS$24.2b10.7x14.9x2.3x
Tue, 19 Mar 2024US$325.8bUS$150.6bUS$22.7b9.6x14.4x2.2x
Thu, 15 Feb 2024US$312.3bUS$153.6bUS$22.9b9.1x13.7x2x
Sat, 13 Jan 2024US$288.9bUS$149.9bUS$23.2b8.7x12.5x1.9x
Mon, 11 Dec 2023US$270.4bUS$149.9bUS$23.1b8.3x11.7x1.8x
Wed, 08 Nov 2023US$243.5bUS$150.0bUS$23.1b7.5x10.5x1.6x
Fri, 06 Oct 2023US$234.3bUS$149.1bUS$23.1b7.3x10.1x1.6x
Sun, 03 Sep 2023US$257.9bUS$149.4bUS$23.0b8.1x11.2x1.7x
Tue, 01 Aug 2023US$284.9bUS$150.0bUS$23.6b8.7x12.1x1.9x
Thu, 29 Jun 2023US$276.9bUS$150.1bUS$24.6b7.4x11.2x1.8x
Sat, 27 May 2023US$252.2bUS$150.3bUS$24.5b6.4x10.3x1.7x
Mon, 24 Apr 2023US$257.3bUS$153.4bUS$27.1b5.3x9.5x1.7x
Wed, 22 Mar 2023US$254.0bUS$150.9bUS$28.2b5x9x1.7x
Price to Earnings Ratio

9x


Total Market Cap: US$254.0bTotal Earnings: US$28.2bTotal Revenue: US$150.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 15.8x202420252026
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 15.8x.
  • 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 declined 2.6% per year over the last three years.
  • Meanwhile revenues for these companies have grown 5.2% per year.
  • This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.

Industry Trends

Which industries have driven the changes within the U.S. Financials industry?

US Market-1.62%
Financials-3.35%
Consumer Finance-2.31%
Consumer Finance-2.31%
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$35.0715.1%
+US$990.6m		n/aPE56.5x
SLM SLMUS$19.743.4%
+US$128.8m		-32.5%PE5.4x
FCFS FirstCash HoldingsUS$193.071.5%
+US$121.4m		65.1%PE25.7x
EZPW EZCORPUS$25.872.1%
+US$33.3m		92.3%PE13x
DFDV DeFi DevelopmentUS$4.2717.6%
+US$19.1m		549.8%PE1.8x

Latest News

KPLT
US$6.92
Katapult Holdings
7D
19.1%
1Y
-39.7%

KPLT: Revised Profit Outlook And Higher P/E Will Guide Measured Future Expectations

Analysts have updated their price target on Katapult Holdings to $6.75, keeping it in line with prior fair value estimates while adjusting assumptions around revenue growth, profit margins, and future P/E to reflect a more conservative earnings outlook. Valuation Changes Fair Value: Kept steady at $6.75, indicating no change in the central valuation estimate.
FINV
US$5.24
FinVolution Group
7D
1.4%
1Y
-39.8%

FINV: Higher Future P/E Assumptions Will Support Further Upside Potential

Analysts have nudged their price target for FinVolution Group higher to about $7.66 from about $7.55, citing updated assumptions around discount rates, revenue growth, profit margins, and future P/E levels. Valuation Changes Fair Value: The updated estimate has edged up from $7.55 to about $7.66 per share, reflecting a minor adjustment in the model.
PRG
US$28.12
PROG Holdings
7D
-15.5%
1Y
5.3%
ALLY
US$36.14
Ally Financial
7D
-5.1%
1Y
6.0%
SLM
US$19.74
SLM
7D
3.4%
1Y
-32.5%

SLM: Share Repurchases Will Counter AI And Credit Risk Overhang

Analysts have trimmed their average price target on SLM by about $0.90. This reflects a series of modest target cuts into the high $20s and low $30s as they factor in a more uncertain macro backdrop, credit risk concerns, and the ongoing AI related overhang.
MATH
US$1.24
Metalpha Technology Holding
7D
3.3%
1Y
-34.0%
SOFI
US$17.76
SoFi Technologies
7D
-6.0%
1Y
46.9%

SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System

1. The Paradigm Shift: Fixing a Broken System For decades, traditional consumer banking has been disconnected and frustrating.
KSPI
US$68.84
Kaspi.kz
7D
-7.2%
1Y
-28.0%

KSPI: Execution And Earnings Resilience Will Support Confidence After Susquehanna Downgrade

Analysts have trimmed their price target on Kaspi.kz from about $136 to $128, citing lower projected revenue growth, a slightly adjusted discount rate, and a more conservative future P/E assumption, partly reflected in the recent downgrade from Susquehanna. Analyst Commentary While some research has turned more cautious on Kaspi.kz, there are still clear areas that bullish analysts highlight when they look at the story, especially around execution, growth potential, and how those factors could feed into valuation over time.
CACC
US$447.79
Credit Acceptance
7D
-10.1%
1Y
-6.4%
AXP
US$299.96
American Express
7D
-0.3%
1Y
12.9%

AXP: Future Returns Will Reflect 2026 Guide Versus Credit Policy Risk

The analyst price target for American Express has been trimmed by about $1 to $378.94, as analysts balance slightly higher profit margin and discount rate assumptions with mixed sentiment around consumer finance, concerns about AI-driven unemployment, and recent volatility in the shares. Analyst Commentary Recent research on American Express reflects a split tape, with some firms highlighting opportunity after the recent pullback and others flagging policy and credit risks that could cap upside.
EZPW
US$25.87
EZCORP
7D
2.1%
1Y
92.3%

EZPW: Founders One Expansion And Latin America M&A Pipeline Will Drive Future Upside

Analyst price targets for EZCORP have moved higher by several dollars per share, with recent raises of $3, $4, $6 and $7, as analysts point to continued execution, business momentum and the added geographic reach from the Founders One acquisition. Analyst Commentary Recent research has leaned clearly positive on EZCORP, with bullish analysts pointing to execution, valuation support and the added scale from the Founders One acquisition as key reasons to lift price targets.
FIGR
US$35.07
Figure Technology Solutions
7D
15.1%
1Y
n/a
COF
US$179.79
Capital One Financial
7D
-4.2%
1Y
4.6%
SYF
US$63.78
Synchrony Financial
7D
-4.3%
1Y
19.6%

SYF: Future Returns Will Rely On Benign Credit And Aggressive Buybacks

Narrative Update The analyst price target for Synchrony Financial has been adjusted higher to $90.26 from $88.22, as analysts factor in slightly stronger modeled revenue growth and margins, set against a mixed backdrop of recent target cuts and upgrades across the consumer finance group. Analyst Commentary Recent research on Synchrony Financial reflects a split view, with bullish analysts lifting price targets and talking up the setup into upcoming quarters, while more cautious voices trim targets and question how durable the current credit and regulatory backdrop will be for card issuers and broader consumer finance names.
FCFS
US$193.07
FirstCash Holdings
7D
1.5%
1Y
65.1%
DFDV
US$4.27
DeFi Development
7D
17.6%
1Y
549.8%