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U.S. Consumer Finance Industry Analysis

UpdatedAug 08, 2026
DataAggregated Company Financials
Companies52
  • 7D2.7%
  • 3M9.2%
  • 1Y8.5%
  • YTD-8.6%

The Consumer Finance industry is up 2.7% in the last week, with Capital One Financial up 4.2%. In the same time, Dave was down 15%. In the last 12 months, the industry was up 8.5%. Looking forward, 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
Sat, 08 Aug 2026US$524.5bUS$200.0bUS$35.3b9.7x14.9x2.6x
Mon, 06 Jul 2026US$527.7bUS$184.5bUS$27.7b8.8x19x2.9x
Wed, 03 Jun 2026US$479.7bUS$184.5bUS$27.9b9.4x17.2x2.6x
Fri, 01 May 2026US$483.7bUS$182.7bUS$27.5b10.1x17.6x2.6x
Sun, 29 Mar 2026US$439.3bUS$175.6bUS$25.6b7.7x17.1x2.5x
Tue, 24 Feb 2026US$511.8bUS$174.9bUS$25.7b8.1x20x2.9x
Thu, 22 Jan 2026US$556.2bUS$168.6bUS$24.6b8.8x22.6x3.3x
Sat, 20 Dec 2025US$582.3bUS$168.1bUS$24.3b10x23.9x3.5x
Mon, 17 Nov 2025US$540.5bUS$167.7bUS$24.3b9.9x22.2x3.2x
Wed, 15 Oct 2025US$519.3bUS$157.0bUS$21.3b10.1x24.4x3.3x
Fri, 12 Sep 2025US$530.8bUS$157.1bUS$21.3b10.5x24.9x3.4x
Sun, 10 Aug 2025US$490.8bUS$156.0bUS$21.0b9.4x23.3x3.1x
Tue, 08 Jul 2025US$465.5bUS$156.8bUS$25.0b9.9x18.6x3x
Thu, 05 Jun 2025US$413.4bUS$156.5bUS$24.9b9x16.6x2.6x
Sat, 03 May 2025US$424.6bUS$168.2bUS$29.2b10.2x14.5x2.5x
Mon, 31 Mar 2025US$419.4bUS$166.5bUS$29.5b10.5x14.2x2.5x
Wed, 26 Feb 2025US$469.7bUS$166.2bUS$29.2b10.7x16.1x2.8x
Fri, 24 Jan 2025US$497.6bUS$166.3bUS$27.9b11.4x17.8x3x
Sun, 22 Dec 2024US$457.2bUS$161.0bUS$26.4b11.3x17.3x2.8x
Tue, 19 Nov 2024US$450.3bUS$161.3bUS$26.4b12.2x17.1x2.8x
Thu, 17 Oct 2024US$420.6bUS$158.4bUS$25.6b10.3x16.4x2.7x
Sat, 14 Sep 2024US$381.3bUS$158.6bUS$25.7b10.5x14.9x2.4x
Mon, 12 Aug 2024US$364.0bUS$158.7bUS$25.9b11.2x14.1x2.3x
Wed, 10 Jul 2024US$364.4bUS$156.5bUS$25.1b9x14.5x2.3x
Fri, 07 Jun 2024US$360.4bUS$156.8bUS$25.3b9.3x14.3x2.3x
Sun, 05 May 2024US$363.0bUS$156.4bUS$25.0b9.9x14.5x2.3x
Tue, 02 Apr 2024US$367.3bUS$154.9bUS$24.4b11.1x15x2.4x
Thu, 29 Feb 2024US$326.2bUS$150.5bUS$22.6b9x14.5x2.2x
Sat, 27 Jan 2024US$296.4bUS$156.0bUS$22.6b9x13.1x1.9x
Mon, 25 Dec 2023US$297.2bUS$150.0bUS$23.2b9x12.8x2x
Wed, 22 Nov 2023US$250.5bUS$149.5bUS$23.0b7.5x10.9x1.7x
Fri, 20 Oct 2023US$234.4bUS$148.7bUS$22.8b7.2x10.3x1.6x
Sun, 17 Sep 2023US$259.2bUS$149.3bUS$23.0b7.9x11.3x1.7x
Tue, 15 Aug 2023US$268.4bUS$149.7bUS$23.3b8.1x11.5x1.8x
Price to Earnings Ratio

11.5x


Total Market Cap: US$268.4bTotal Earnings: US$23.3bTotal Revenue: US$149.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.7x202420252026
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 14.9x which is lower than its 3-year average PE of 16.7x.
  • 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 Market4.05%
Financials1.24%
Consumer Finance2.66%
Consumer Finance2.66%
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$217.764.2%
+US$5.4b		4.6%PE13.6x
AXP American ExpressUS$340.911.4%
+US$3.1b		14.6%PE20.4x
SOFI SoFi TechnologiesUS$18.3812.7%
+US$2.7b		-16.8%PE37.3x
SYF Synchrony FinancialUS$78.593.7%
+US$911.0m		13.2%PE7.4x
FIGR Figure Technology SolutionsUS$28.6214.9%
+US$820.3m		n/aPE58.7x

Latest News

PRG
US$42.85
PROG Holdings
7D
-2.7%
1Y
36.7%
NNI
US$131.46
Nelnet
7D
-3.2%
1Y
7.0%
SYF
US$78.59
Synchrony Financial
7D
3.7%
1Y
13.2%
ATLC
US$100.01
Atlanticus Holdings
7D
-5.2%
1Y
76.0%
Narrative Update • Aug 07

ATLC: Q2 Credit Trends And Mercury Performance Will Shape Forward Expectations

Atlanticus Holdings' fair value estimate has been revised from $72.00 to $110.00 as analysts factor in higher price targets and updated assumptions on revenue growth, profit margins, and future P/E following recent research updates across the Street. Analyst Commentary Recent Street research on Atlanticus Holdings shows a cluster of higher price targets and generally constructive views on the stock, with most published opinions maintaining positive ratings.
FIGR
US$28.62
Figure Technology Solutions
7D
14.9%
1Y
n/a
Narrative Update • Aug 07

FIGR: Higher Margins And Trading Ecosystem Tailwinds Will Support Future Upside

Analysts now estimate fair value for Figure Technology Solutions at $70, down from $75. This reflects updated price targets in the $33 to $65 range and mixed views on growth drivers, cost trends, and perceived AI and perpetual futures risks across its markets.
DAVE
US$317.93
Dave
7D
-14.7%
1Y
73.7%
EZPW
US$27.90
EZCORP
7D
-6.3%
1Y
82.6%
LU
US$1.50
Lufax Holding
7D
-3.8%
1Y
-47.0%
AXP
US$340.91
American Express
7D
1.4%
1Y
14.6%
UPST
US$31.09
Upstart Holdings
7D
13.3%
1Y
-54.8%
Seeking Alpha • Aug 06

Upstart: 27% Short Interest, GAAP Profitability, And 42% Growth

Summary Upstart delivered strong Q2 results with 50% YoY originations growth and 42% revenue growth, returning to GAAP profitability. I maintain a "Neutral" rating on UPST, citing valuation compression as investors compare it to traditional lenders despite its AI-driven underwriting. Management reaffirmed $1.3 billion revenue guidance and a 21% adjusted EBITDA margin for 2026, targeting 35% annual revenue growth over three years. While UPST trades at ~6x 2028e earnings, meaningful margin expansion and operating leverage are critical for potential upside from current levels. Read the full article on Seeking Alpha
SOFI
US$18.38
SoFi Technologies
7D
12.7%
1Y
-16.8%
COF
US$217.76
Capital One Financial
7D
4.2%
1Y
4.6%
KSPI
US$90.30
Kaspi.kz
7D
1.7%
1Y
-4.9%
Narrative Update • Aug 04

KSPI: 2026 Shareholder Meeting And Margin Reset Will Shape Future Returns

Kaspi.kz's analyst price target has been adjusted from $94.64 to $96.96 as analysts factor in updated assumptions around discount rates, revenue growth, profit margins, and future P/E expectations. What's in the News Kaspi.kz has scheduled a special or extraordinary shareholders meeting for June 11, 2026, which may address key corporate matters or approvals.
OMF
US$64.95
OneMain Holdings
7D
3.8%
1Y
16.3%
FCFS
US$202.54
FirstCash Holdings
7D
-0.7%
1Y
50.7%
QFIN
US$13.24
Qfin Holdings
7D
-4.6%
1Y
-60.3%
Narrative Update • Jul 21

QFIN: Depressed Price And Dividend Yield Will Eventually Overcome Regulatory Headwinds

Analysts have cut the Qfin Holdings price target from $42.58 to $13.80, citing prolonged regulatory headwinds, a lack of buybacks, and a limited catalyst for a near-term re-rating, despite what they view as a depressed valuation and an attractive dividend yield. What’s in the News for Qfin Holdings Qfin Holdings issued earnings guidance for the second quarter of 2026, projecting net income in a range of RMB 830 million to RMB 910 million.