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U.S. Consumer Finance Industry Analysis

UpdatedJul 21, 2026
DataAggregated Company Financials
Companies55
  • 7D-0.07%
  • 3M3.6%
  • 1Y5.8%
  • YTD-9.0%

Over the last 7 days, the Consumer Finance industry has remained flat. As for the the longer term, the industry is up 5.8% over the past 12 months. 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
Wed, 22 Jul 2026US$527.0bUS$184.5bUS$27.8b8.7x19x2.9x
Fri, 19 Jun 2026US$506.8bUS$184.5bUS$27.9b8.4x18.2x2.7x
Sun, 17 May 2026US$477.3bUS$184.4bUS$28.1b9.3x17x2.6x
Tue, 14 Apr 2026US$475.3bUS$175.9bUS$25.5b8.8x18.6x2.7x
Thu, 12 Mar 2026US$465.3bUS$176.3bUS$26.2b8x17.8x2.6x
Sat, 07 Feb 2026US$528.6bUS$175.5bUS$25.8b8.3x20.5x3x
Mon, 05 Jan 2026US$585.2bUS$168.3bUS$24.4b9.5x24x3.5x
Wed, 03 Dec 2025US$553.6bUS$168.1bUS$24.4b10x22.7x3.3x
Fri, 31 Oct 2025US$550.8bUS$165.6bUS$23.9b10x23x3.3x
Sun, 28 Sep 2025US$550.3bUS$157.0bUS$21.3b10.5x25.9x3.5x
Tue, 26 Aug 2025US$521.8bUS$156.7bUS$21.2b10.2x24.6x3.3x
Thu, 24 Jul 2025US$502.7bUS$154.2bUS$20.4b9.9x24.7x3.3x
Sat, 21 Jun 2025US$417.9bUS$156.4bUS$24.8b8.9x16.8x2.7x
Mon, 19 May 2025US$467.0bUS$169.3bUS$29.4b9.6x15.9x2.8x
Wed, 16 Apr 2025US$395.8bUS$166.3bUS$29.4b9.6x13.5x2.4x
Fri, 14 Mar 2025US$413.9bUS$166.7bUS$29.3b10.5x14.1x2.5x
Sun, 09 Feb 2025US$492.1bUS$168.5bUS$28.8b11.3x17.1x2.9x
Tue, 07 Jan 2025US$462.5bUS$161.0bUS$26.8b11.6x17.3x2.9x
Thu, 05 Dec 2024US$469.4bUS$161.1bUS$26.4b12.6x17.8x2.9x
Sat, 02 Nov 2024US$410.7bUS$160.9bUS$26.3b10.8x15.6x2.6x
Mon, 30 Sep 2024US$398.2bUS$158.7bUS$25.7b9.8x15.5x2.5x
Wed, 28 Aug 2024US$387.6bUS$158.4bUS$25.7b10.9x15.1x2.4x
Fri, 26 Jul 2024US$380.0bUS$158.4bUS$25.9b10.3x14.7x2.4x
Sun, 23 Jun 2024US$358.9bUS$156.6bUS$25.1b9x14.3x2.3x
Tue, 21 May 2024US$371.9bUS$156.7bUS$25.3b9.6x14.7x2.4x
Thu, 18 Apr 2024US$344.3bUS$154.9bUS$24.4b10x14.1x2.2x
Sat, 16 Mar 2024US$328.8bUS$150.6bUS$22.7b9.6x14.5x2.2x
Mon, 12 Feb 2024US$315.4bUS$153.7bUS$22.9b8.8x13.8x2.1x
Wed, 10 Jan 2024US$296.9bUS$150.0bUS$23.2b8.8x12.8x2x
Fri, 08 Dec 2023US$265.4bUS$150.0bUS$23.1b8.3x11.5x1.8x
Sun, 05 Nov 2023US$244.9bUS$150.0bUS$23.2b7.6x10.6x1.6x
Tue, 03 Oct 2023US$241.7bUS$149.1bUS$23.1b7.5x10.4x1.6x
Thu, 31 Aug 2023US$255.7bUS$149.1bUS$23.1b8.1x11.1x1.7x
Sat, 29 Jul 2023US$275.2bUS$150.0bUS$23.5b8.6x11.7x1.8x
Price to Earnings Ratio

11.7x


Total Market Cap: US$275.2bTotal Earnings: US$23.5bTotal Revenue: US$150.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.7x202420252026
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 19.0x which is higher than its 3-year average PE of 16.7x.
  • The 3-year average PS ratio of 2.6x is lower than the industry's current PS ratio of 2.9x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 5.3% per year over the last three years.
  • Revenues for these companies have grown 7.2% 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-1.36%
Financials0.019%
Consumer Finance-0.072%
Consumer Finance-0.072%
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$206.220.5%
+US$572.9m		-5.2%PE49.3x
FIGR Figure Technology SolutionsUS$31.495.1%
+US$338.3m		n/aPE64.6x
DAVE DaveUS$438.905.3%
+US$278.4m		126.2%PE24.8x
BFH Bread Financial HoldingsUS$101.683.2%
+US$128.9m		61.7%PE7.4x
QFIN Qfin HoldingsUS$13.258.0%
+US$119.3m		-67.3%PE2.2x

Latest News

SYF
US$72.21
Synchrony Financial
7D
-2.0%
1Y
2.2%
ALLY
US$44.43
Ally Financial
7D
-2.0%
1Y
14.4%
COF
US$206.22
Capital One Financial
7D
0.5%
1Y
-5.2%
Seeking Alpha • Jul 20

Capital One: Better Credit, Solid Synergies, Same Hold

Summary Capital One is reiterated at Hold due to limited valuation upside and a deteriorating interest rate outlook, despite improved credit trends and successful integration of Discover. Q1 2026 results show net income of $2.2B, ROTCE up to 12.2%, and credit metrics improving, with delinquencies and charge-offs declining sequentially. COF trades at a 1.93x P/TBV, above its ROTCE-justified fair value, implying a 9% downside from current levels and little margin of safety. While underwriting discipline and integration execution are strong, persistent macro risks and compressed net interest margins reinforce a cautious stance. Read the full article on Seeking Alpha
DAVE
US$438.90
Dave
7D
5.3%
1Y
126.2%
Narrative Update • Jul 20

DAVE: Rich Pricing Will Hinge On Proving Credit Model Durability

The analyst price target for Dave has moved higher from $335.73 to $388.55 as analysts point to what they see as durable credit performance, achievable mid-teens member growth, and medium term revenue and profit growth targets supported by products like ExtraCash and early traction in buy now pay later offerings. Analyst Commentary Recent Street research on Dave clusters around a more optimistic view of the company, with several firms lifting price targets and pointing to specific growth and execution drivers.
ENVA
US$228.46
Enova International
7D
-0.9%
1Y
100.1%
UPST
US$29.27
Upstart Holdings
7D
-7.7%
1Y
-63.4%
Narrative Update • Jul 16

UPST: Renewed Neuberger Funding And Bank Charter Pursuit Will Reset Credit Risk Perception

Upstart Holdings' updated analyst price target, which now reflects a trim in fair value from about $74 to roughly $67, comes as analysts factor in a slightly lower revenue growth outlook, a modestly reduced discount rate, a small uptick in expected profit margins, and Street research citing steady origination trends and a more supportive backdrop for consumer fintech stocks. Analyst Commentary Recent Street research on Upstart Holdings highlights mixed views overall, but the latest changes in price targets point to a group of bullish analysts who see support from origination trends, funding access, and execution on key priorities.
FIGR
US$31.49
Figure Technology Solutions
7D
5.1%
1Y
n/a
HAPN
US$19.25
Happen
7D
-3.5%
1Y
48.4%
AXP
US$350.79
American Express
7D
-1.2%
1Y
15.3%
SOFI
US$17.64
SoFi Technologies
7D
-4.9%
1Y
-15.9%
Seeking Alpha • Jul 15

Earnings Season Has Been Hard On SoFi Of Late, But It Still Warrants Bullish Interest

Summary SOFI has been through two adverse earnings events this year and has underperformed both the fintech sector and the broader market in 2026 with a decline of ~30% YTD. With Q2 earnings due to be announced on July 29, could it get third time lucky? A potential topline beat of +5%, further EBITDA margin progression with a tilt towards non-lending revenue, stability of the TPS business, and any upgrade in guidance would be taken well. SOFI trades at a forward P/E of 31x, nearly 50% below its historical average, with a PEG ratio under 0.6x and solid earnings CAGR of 40% even through FY28. The stock also no longer looks like one of the more overbought names within the US financial sector, with its relative strength ratio now around its long-term mean. Read the full article on Seeking Alpha
BFH
US$101.68
Bread Financial Holdings
7D
3.2%
1Y
61.7%
QFIN
US$13.25
Qfin Holdings
7D
8.0%
1Y
-67.3%
SLM
US$25.19
SLM
7D
-1.4%
1Y
-23.1%
Narrative Update • Jul 10

SLM: Credit Metrics And Buybacks Will Support Future Upside Potential

The analyst price target for SLM has been adjusted slightly higher to reflect a mix of increased optimism from some firms, such as RBC Capital raising its target to $29, and more cautious views citing prolonged credit uncertainty. The updated target now sits between the prior $28 to $30 range and the newly cited $26 to $29 range.
FCFS
US$211.89
FirstCash Holdings
7D
0.9%
1Y
58.7%
FINV
US$4.79
FinVolution Group
7D
4.4%
1Y
-51.1%
New Narrative • Jun 17

FinVolution Stock Will Rely On Overseas Expansion And AI To Transform Future Earnings

Catalysts About FinVolution Group FinVolution Group operates a technology driven consumer finance platform serving borrowers in China and several overseas markets. What are the underlying business or industry changes driving this perspective?
LU
US$1.39
Lufax Holding
7D
7.8%
1Y
-52.9%