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U.S. Consumer Finance Industry Analysis

UpdatedApr 24, 2026
DataAggregated Company Financials
Companies54
  • 7D-1.0%
  • 3M-10.2%
  • 1Y16.2%
  • YTD-14.6%

The Consumer Finance is pretty flat in the last 7 days, but Ally Financial has stood out, gaining 7.3%. As for the the longer term, the industry is up 16% over the past 12 months. As for the next few years, earnings are expected to grow by 20% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
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
Sat, 03 Jun 2023US$270.7bUS$150.4bUS$24.5b6.8x11x1.8x
Mon, 01 May 2023US$255.3bUS$151.8bUS$25.5b6.2x10x1.7x
Price to Earnings Ratio

10x


Total Market Cap: US$255.3bTotal Earnings: US$25.5bTotal Revenue: US$151.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.1x202420252026
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 18.8x which is higher than its 3-year average PE of 16.1x.
  • 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 remained mostly flat over the last three years.
  • Meanwhile revenues for these companies have grown 5.9% 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 and as a result, profits have held steady.

Industry Trends

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

US Market0.69%
Financials-0.52%
Consumer Finance-0.97%
Consumer Finance-0.97%
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
ALLY Ally FinancialUS$45.027.3%
+US$870.0m		35.6%PE10.8x
KSPI Kaspi.kzUS$85.174.9%
+US$749.5m		-3.6%PE7x
DAVE DaveUS$274.3517.8%
+US$559.1m		205.0%PE18.9x
ENVA Enova InternationalUS$169.428.5%
+US$332.0m		72.2%PE13.7x
BFH Bread Financial HoldingsUS$92.129.0%
+US$327.7m		88.3%PE7.6x

Latest News

BFH
US$92.12
Bread Financial Holdings
7D
9.0%
1Y
88.3%
FCFS
US$212.33
FirstCash Holdings
7D
2.6%
1Y
61.2%
COF
US$196.63
Capital One Financial
7D
-2.0%
1Y
6.3%
SYF
US$76.62
Synchrony Financial
7D
1.9%
1Y
47.6%
DAVE
US$274.35
Dave
7D
17.8%
1Y
205.0%
SLM
US$23.42
SLM
7D
5.6%
1Y
-16.8%
SOFI
US$18.32
SoFi Technologies
7D
-3.7%
1Y
48.8%
FIGR
US$32.22
Figure Technology Solutions
7D
-9.8%
1Y
n/a
KSPI
US$85.17
Kaspi.kz
7D
4.9%
1Y
-3.6%

Kaspi.Kz: Tencent Sees It, The Numbers Confirm It (Rating Upgrade)

Apr 22
AXP
US$318.55
American Express
7D
-2.2%
1Y
19.2%

American Express (AXP): The Lifestyle Moat and the "Platinum Refresh" Pivot

American Express (AXP) , the premier lifestyle and payments giant, enters Wednesday, April 22, 2026 , standing as a pillar of resilience in a shifting consumer economy. Trading at $332.01 USD —a gain of 0.65% as the market prepares for tomorrow’s first-quarter earnings release—the stock remains a favorite of institutional titans like Warren Buffett.
QFIN
US$12.75
Qfin Holdings
7D
-8.1%
1Y
-69.0%

Qfin Holdings: Tug-Of-War Between Valuations And Regulations

Apr 21
CACC
US$517.75
Credit Acceptance
7D
4.7%
1Y
6.4%

CACC: Elevated Margin Assumptions Will Drive Skewed Risk To The Downside

Analysts have raised the Credit Acceptance price target by about $30, citing updated assumptions around fair value, the discount rate, revenue growth, profit margin, and a lower future P/E that are consistent with recent mixed Street research moves on the stock. Analyst Commentary Recent Street research on Credit Acceptance has been mixed, with some price targets raised and at least one lowered.
ALLY
US$45.02
Ally Financial
7D
7.3%
1Y
35.6%
ANTA
US$9.00
Antalpha Platform Holding
7D
-13.9%
1Y
n/a
ENVA
US$169.42
Enova International
7D
8.5%
1Y
72.2%

ENVA: Future Returns Will Rely On Ongoing Share Repurchases

The analyst price target for Enova International has been trimmed by about $3.60 per share, as analysts factor in a slightly lower fair value estimate, modest adjustments to discount rate assumptions, and updated expectations for revenue growth, profit margin, and future P/E multiples following recent conflicting target moves from TD Cowen, Maxim, and Citizens. Analyst Commentary Recent price target changes for Enova International point to a mixed but engaged analyst view, with some raising their targets and others cutting them, as they reassess valuation, growth expectations, and execution risk.
LU
US$1.86
Lufax Holding
7D
-8.4%
1Y
-36.9%