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U.S. Consumer Finance Industry Analysis

UpdatedApr 16, 2026
DataAggregated Company Financials
Companies54
  • 7D5.1%
  • 3M-10.5%
  • 1Y28.9%
  • YTD-13.1%

The Consumer Finance industry is up 5.1% in the last week, with American Express up 4.0%. During this same period, the World Acceptance underperformed, falling 11%. In the last 12 months, the industry was up 29%. 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
Thu, 16 Apr 2026US$495.9bUS$175.9bUS$25.5b9.1x19.4x2.8x
Sat, 14 Mar 2026US$454.4bUS$175.8bUS$26.1b7.8x17.4x2.6x
Mon, 09 Feb 2026US$540.1bUS$175.5bUS$25.8b8.3x20.9x3.1x
Wed, 07 Jan 2026US$599.3bUS$168.3bUS$24.4b9.6x24.6x3.6x
Fri, 05 Dec 2025US$565.3bUS$168.2bUS$24.4b10.1x23.2x3.4x
Sun, 02 Nov 2025US$553.1bUS$165.9bUS$24.3b10.4x22.8x3.3x
Tue, 30 Sep 2025US$550.4bUS$157.0bUS$21.3b10.3x25.9x3.5x
Thu, 28 Aug 2025US$529.2bUS$156.7bUS$21.2b10.5x24.9x3.4x
Sat, 26 Jul 2025US$501.1bUS$154.0bUS$20.2b9.9x24.8x3.3x
Mon, 23 Jun 2025US$419.6bUS$156.4bUS$24.8b8.9x16.9x2.7x
Wed, 21 May 2025US$417.3bUS$156.1bUS$24.8b9.8x16.8x2.7x
Fri, 18 Apr 2025US$389.9bUS$167.0bUS$29.2b9.5x13.4x2.3x
Sun, 16 Mar 2025US$420.0bUS$166.7bUS$29.3b11x14.3x2.5x
Tue, 11 Feb 2025US$492.3bUS$168.5bUS$28.8b11.1x17.1x2.9x
Thu, 09 Jan 2025US$460.9bUS$161.0bUS$26.8b11.4x17.2x2.9x
Sat, 07 Dec 2024US$467.3bUS$161.2bUS$26.4b12.5x17.7x2.9x
Mon, 04 Nov 2024US$413.5bUS$161.3bUS$26.4b11.2x15.7x2.6x
Wed, 02 Oct 2024US$400.1bUS$158.7bUS$25.7b9.8x15.6x2.5x
Fri, 30 Aug 2024US$390.3bUS$158.5bUS$25.6b11.1x15.2x2.5x
Sun, 28 Jul 2024US$387.6bUS$158.5bUS$26.0b9.4x14.9x2.4x
Tue, 25 Jun 2024US$358.9bUS$156.6bUS$25.1b9.1x14.3x2.3x
Thu, 23 May 2024US$370.2bUS$156.8bUS$25.3b9.4x14.6x2.4x
Sat, 20 Apr 2024US$348.3bUS$154.8bUS$23.6b10.4x14.8x2.3x
Mon, 18 Mar 2024US$323.4bUS$150.6bUS$22.7b9.6x14.2x2.1x
Wed, 14 Feb 2024US$312.2bUS$153.6bUS$22.9b8.9x13.6x2x
Fri, 12 Jan 2024US$293.9bUS$150.0bUS$23.2b8.8x12.7x2x
Sun, 10 Dec 2023US$270.4bUS$149.9bUS$23.1b8.3x11.7x1.8x
Tue, 07 Nov 2023US$244.9bUS$150.1bUS$23.2b7.5x10.6x1.6x
Thu, 05 Oct 2023US$241.2bUS$149.1bUS$23.1b7.2x10.4x1.6x
Sat, 02 Sep 2023US$257.9bUS$149.2bUS$23.1b8.1x11.1x1.7x
Mon, 31 Jul 2023US$278.6bUS$149.9bUS$23.5b8.6x11.8x1.9x
Wed, 28 Jun 2023US$274.8bUS$150.2bUS$24.6b7.4x11.2x1.8x
Fri, 26 May 2023US$244.7bUS$150.4bUS$24.5b6.3x10x1.6x
Sun, 23 Apr 2023US$257.5bUS$153.4bUS$27.1b5.3x9.5x1.7x
Price to Earnings Ratio

9.5x


Total Market Cap: US$257.5bTotal Earnings: US$27.1bTotal Revenue: US$153.4bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16x202420252026
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 19.4x which is higher than its 3-year average PE of 16.0x.
  • 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 4.7% 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 Market3.42%
Financials2.29%
Consumer Finance5.07%
Consumer Finance5.07%
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
AXP American ExpressUS$329.064.0%
+US$8.7b		30.1%PE21.1x
COF Capital One FinancialUS$202.985.5%
+US$6.5b		26.8%PE69.2x
SOFI SoFi TechnologiesUS$18.7913.9%
+US$2.9b		76.3%PE49.8x
SYF Synchrony FinancialUS$75.995.6%
+US$1.4b		62.5%PE7.6x
KSPI Kaspi.kzUS$82.127.5%
+US$1.1b		-0.6%PE6.9x

Latest News

AXP
US$329.06
American Express
7D
4.0%
1Y
30.1%
NRDS
US$10.49
NerdWallet
7D
-1.3%
1Y
26.4%
UPST
US$33.36
Upstart Holdings
7D
22.2%
1Y
-15.4%

Upstart Holdings, Inc. (UPST): The "AI Efficiency" and the Q1 2026 Volume Surge

Upstart Holdings, Inc. (UPST) enters the spotlight on Wednesday, April 15, 2026 , with its stock trading near $29.29 USD , marking a notable recovery trend after a volatile start to the year.
SYF
US$75.99
Synchrony Financial
7D
5.6%
1Y
62.5%
WRLD
US$134.55
World Acceptance
7D
-11.2%
1Y
10.2%
SOFI
US$18.79
SoFi Technologies
7D
13.9%
1Y
76.3%

SOFI: Stablecoin And Big Business Banking Expansion Will Support Future Platform Profitability

SoFi Technologies' updated analyst price target reflects a modest reset, with recent cuts of $1 to $10 by several firms tied to questions around loan growth quality, stablecoin risks, and the impact of short seller scrutiny, even as some analysts highlight potential benefits from new partnerships and traction in Big Business Banking. Analyst Commentary Recent research shows a mix of caution and optimism around SoFi Technologies, with some firms trimming price targets while others point to potential upside tied to execution in key growth areas and new product initiatives.
NAVI
US$8.44
Navient
7D
-2.1%
1Y
-23.8%
KSPI
US$82.12
Kaspi.kz
7D
7.5%
1Y
-0.6%
COF
US$202.98
Capital One Financial
7D
5.5%
1Y
26.8%

Capital One: Discover Drag, Subprime Stress, Hold

Apr 12
FINV
US$5.13
FinVolution Group
7D
-0.8%
1Y
-28.8%

FINV: Buybacks And Dividend Will Support Future Upside Potential

Analysts have made a small trim to their price target on FinVolution Group, reducing it by about $0.04 as they fine tune assumptions around fair value, discount rate, revenue growth, profit margin and future P/E levels. What's in the News FinVolution Group issued earnings guidance for 2026, with total revenue expected in a range of roughly RMB11.5b to RMB12.9b, which the company describes as a 5% to 15% year over year decline (company guidance).
SLM
US$21.41
SLM
7D
-1.1%
1Y
-18.5%

SLM: Share Repurchases And Credit Stability Will Offset Persistent AI Risk Overhang

Analysts have trimmed the blended price target on SLM to about $29 as they factor in updated fair value assumptions, slightly lower profit margins and a modestly softer revenue outlook, while still keeping a relatively low future P/E in focus. Analyst Commentary Recent Street research on SLM clusters around a tighter valuation range, with most firms trimming price targets while reassessing growth, credit risk and the impact of AI on graduate outcomes.
DAVE
US$230.00
Dave
7D
28.9%
1Y
179.9%

Dave: Rapid Growth Through Members And AI Implementation

Apr 09
CACC
US$497.36
Credit Acceptance
7D
6.4%
1Y
3.2%

CACC: Evolving EPS Outlook And Mixed Sentiment Will Drive A Balanced Path

Analysts have trimmed their average price target on Credit Acceptance by about $6 to roughly $452. This reflects updated views on revenue growth, profitability and an outlook that now applies a higher future P/E multiple.
HTT
US$2.58
High Templar Tech
7D
2.0%
1Y
4.9%
VRM
US$14.99
Vroom
7D
-8.3%
1Y
-56.2%
JF
US$0.98
J and Friends Holdings
7D
-0.5%
1Y
-3.0%