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U.S. Consumer Finance Industry Analysis

UpdatedJun 20, 2026
DataAggregated Company Financials
Companies56
  • 7D4.9%
  • 3M13.3%
  • 1Y9.4%
  • YTD-11.7%

Over the last 7 days, the Consumer Finance industry has risen 4.9%, driven by gains from Capital One Financial of 9.1%. During this same period, the FinVolution Group underperformed, falling 7.2%. This takes the industry's 12 month performance to a gain of 9.4%. 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
Sat, 20 Jun 2026US$507.8bUS$184.5bUS$27.9b8.4x18.2x2.8x
Mon, 18 May 2026US$477.3bUS$184.8bUS$28.1b9.3x17x2.6x
Wed, 15 Apr 2026US$490.1bUS$175.9bUS$25.5b9x19.2x2.8x
Fri, 13 Mar 2026US$464.4bUS$176.3bUS$26.2b7.9x17.7x2.6x
Sun, 08 Feb 2026US$540.1bUS$175.5bUS$25.8b8.3x20.9x3.1x
Tue, 06 Jan 2026US$599.3bUS$168.2bUS$24.4b9.6x24.6x3.6x
Thu, 04 Dec 2025US$556.1bUS$168.2bUS$24.4b10.1x22.8x3.3x
Sat, 01 Nov 2025US$547.8bUS$165.8bUS$24.1b10.6x22.8x3.3x
Mon, 29 Sep 2025US$550.3bUS$157.0bUS$21.3b10.5x25.9x3.5x
Wed, 27 Aug 2025US$523.1bUS$156.7bUS$21.2b10.6x24.6x3.3x
Fri, 25 Jul 2025US$510.1bUS$154.2bUS$20.4b9.4x25x3.3x
Sun, 22 Jun 2025US$417.9bUS$156.4bUS$24.8b8.9x16.8x2.7x
Tue, 20 May 2025US$417.1bUS$155.9bUS$24.7b9.3x16.9x2.7x
Thu, 17 Apr 2025US$398.8bUS$166.3bUS$29.4b9.4x13.6x2.4x
Sat, 15 Mar 2025US$405.2bUS$166.7bUS$29.3b11x13.8x2.4x
Mon, 10 Feb 2025US$492.1bUS$168.5bUS$28.8b11.3x17.1x2.9x
Wed, 08 Jan 2025US$463.8bUS$161.0bUS$26.8b11.6x17.3x2.9x
Fri, 06 Dec 2024US$470.2bUS$161.1bUS$26.4b12.5x17.8x2.9x
Sun, 03 Nov 2024US$413.5bUS$161.3bUS$26.4b11.2x15.7x2.6x
Tue, 01 Oct 2024US$398.2bUS$158.7bUS$25.7b10x15.5x2.5x
Thu, 29 Aug 2024US$388.7bUS$158.5bUS$25.6b11.1x15.2x2.5x
Sat, 27 Jul 2024US$381.8bUS$158.5bUS$26.0b9.4x14.7x2.4x
Mon, 24 Jun 2024US$358.9bUS$156.6bUS$25.1b9x14.3x2.3x
Wed, 22 May 2024US$369.7bUS$156.8bUS$25.3b9.5x14.6x2.4x
Fri, 19 Apr 2024US$348.3bUS$154.8bUS$23.6b10.4x14.8x2.3x
Sun, 17 Mar 2024US$323.4bUS$150.6bUS$22.7b9.6x14.2x2.1x
Tue, 13 Feb 2024US$318.4bUS$153.6bUS$22.9b9.1x13.9x2.1x
Thu, 11 Jan 2024US$296.9bUS$149.9bUS$23.2b8.9x12.8x2x
Sat, 09 Dec 2023US$268.4bUS$149.9bUS$23.1b8.3x11.6x1.8x
Mon, 06 Nov 2023US$244.9bUS$150.0bUS$23.2b7.6x10.6x1.6x
Wed, 04 Oct 2023US$241.2bUS$149.1bUS$23.1b7.3x10.4x1.6x
Fri, 01 Sep 2023US$254.3bUS$149.2bUS$23.1b8.1x11x1.7x
Sun, 30 Jul 2023US$275.2bUS$150.0bUS$23.5b8.6x11.7x1.8x
Tue, 27 Jun 2023US$269.9bUS$150.2bUS$24.6b7.2x11x1.8x
Price to Earnings Ratio

11x


Total Market Cap: US$269.9bTotal Earnings: US$24.6bTotal Revenue: US$150.2bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.5x202420252026
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 18.2x which is higher than its 3-year average PE of 16.5x.
  • 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 grown 4.3% per year over the last three years.
  • Revenues for these companies have grown 7.1% 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 Market1.40%
Financials0.51%
Consumer Finance4.92%
Consumer Finance4.92%
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$201.539.1%
+US$10.3b		1.6%PE48.1x
AXP American ExpressUS$338.003.9%
+US$8.6b		13.2%PE20.8x
SOFI SoFi TechnologiesUS$17.918.0%
+US$1.7b		17.8%PE39.8x
SYF Synchrony FinancialUS$75.262.6%
+US$639.1m		20.7%PE7.2x
DAVE DaveUS$314.449.6%
+US$351.7m		49.0%PE17.8x

Latest News

SOFI
US$17.91
SoFi Technologies
7D
8.0%
1Y
17.8%
Analysis Article • 3h

SoFi Technologies (SOFI) Stock Could Be 28% Overvalued After Its SpaceX IPO Access Win

SoFi Technologies (SOFI) is back in focus after being named one of only five brokerages giving retail investors access to the SpaceX IPO, a high profile deal that spotlights its investing platform. See our latest analysis for SoFi Technologies. The recent SpaceX IPO allocation arrives during a sharp rebound in SoFi Technologies’ stock, with a 14.44% 1 month share price return and 116.30% 3 year total shareholder return, even after a year to date decline of 34.78%. If high profile deals like...
DAVE
US$314.44
Dave
7D
9.6%
1Y
49.0%
AXP
US$338.00
American Express
7D
3.9%
1Y
13.2%
Analysis Article • Jun 19

American Express (AXP) Stock Could Be 16.1% Below Fair Value After Recent Share Price Moves

American Express (AXP) stock has attracted fresh attention after recent share price moves over the past month and past 3 months. This has prompted investors to reassess its valuation and business performance drivers. See our latest analysis for American Express. At a share price of $338.0, American Express has seen short term momentum pick up, with a 7 day share price return of 6.13% and 90 day share price return of 14.38%. Longer term total shareholder returns over 3 and 5 years of 108.14%...
QFIN
US$15.21
Qfin Holdings
7D
-1.2%
1Y
-64.5%
Analysis Article • Jun 19

Qfin Holdings (QFIN) Stock Could Be 29.9% Undervalued After Mixed Quarterly Results

Why Qfin Holdings' latest quarter matters for investors Qfin Holdings (QFIN) has just reported a mixed quarter that turned attention to its changing user mix, tighter risk controls, and outlook for non-GAAP earnings in a tougher retail credit market. The company highlighted improvements in risk indicators and operational efficiency, but also flagged ongoing macro uncertainty and rising regulatory pressure, guiding investors to expect a sizeable year-on-year decline in non-GAAP net income for...
ALLY
US$45.49
Ally Financial
7D
2.5%
1Y
23.1%
XYF
US$4.81
X Financial
7D
-4.4%
1Y
-72.0%
FINV
US$4.67
FinVolution Group
7D
-7.2%
1Y
-49.5%
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?
ENVA
US$202.55
Enova International
7D
7.0%
1Y
105.5%
Narrative Update • Jun 17

ENVA: Future Returns Will Rely On Banking Synergies And EPS Accretion

Enova International's analyst price targets have risen by a double-digit dollar amount. The latest round of $9 to $25 upward revisions is supported by analysts citing updated valuation work and company-specific factors reflected in the new fair value and P/E assumptions.
SYF
US$75.26
Synchrony Financial
7D
2.6%
1Y
20.7%
Narrative Update • Jun 16

SYF: Capital Returns And New Partnerships Will Support Future Stock Repricing

Synchrony Financial's analyst price target is now set at $103.00, with analysts citing a modestly lower discount rate, slightly higher modeled revenue growth, and a small change in future P/E assumptions, partly balanced by a more conservative profit margin outlook and mixed recent research views, including new Hold ratings and several price target revisions across the Street. Analyst Commentary Recent research on Synchrony Financial highlights a mix of caution and optimism, with several bullish analysts adjusting price targets and focusing on execution around loan growth, credit performance, and earnings power.
CACC
US$579.73
Credit Acceptance
7D
5.8%
1Y
15.4%
Analysis Article • Jun 16

Credit Acceptance (CACC) Stock Could Be 7% Overvalued After Credit Facility Extension And CFO Change

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COF
US$201.53
Capital One Financial
7D
9.1%
1Y
1.6%
Seeking Alpha • Jun 13

Capital One: A 27% Sell-Off Creates A Compelling Entry Point

Summary Capital One is rated buy as the Discover integration creates scale, despite a 27% YTD stock decline. COF now commands a 24% credit card revenue share, surpassing Visa and Mastercard standalone, with efficiency ratio improvements expected. Credit risk remains the key concern, but delinquency and net charge-off ratios are stabilizing post-Discover, supporting a positive outlook. I project 2026 EPS of $21.00 and tangible book value of $122, implying 34% upside at a 2x P/TBV multiple. Read the full article on Seeking Alpha
NRDS
US$8.38
NerdWallet
7D
-1.4%
1Y
-21.7%
Narrative Update • Jun 11

NRDS: Performance Marketing Efficiency Will Drive Future Earnings Visibility And Profitability

Narrative Update on NerdWallet NerdWallet's analyst-derived fair value estimate has been revised from $12.83 to $12.00, as analysts factor in a lower future P/E assumption and recent cuts to Street price targets following concerns around earnings expectations, marketing efficiency, and liquidity. Analyst Commentary Recent Street research has tilted cautious on NerdWallet, with multiple price target cuts and at least one downgrade tied to concerns about earnings expectations, marketing returns, and liquidity.
LX
US$2.00
LexinFintech Holdings
7D
-5.7%
1Y
-71.1%
Narrative Update • Jun 10

LX: Share Repurchases And Dividend Policy Will Support Future Upside Potential

Analysts have trimmed their price target for LexinFintech Holdings to $3.50 from $4.07 as they now factor in lower revenue expectations, a reduced profit margin outlook, and a slightly higher future P/E multiple, partly offset by a lower discount rate in their updated models. What's in the News LexinFintech Holdings reported that from October 1, 2025 to December 31, 2025, it repurchased 4,700,000 shares for US$14 million, completing a total buyback of 9,600,000 shares for US$39 million under the program announced on July 21, 2025.
GDOT
US$12.75
Green Dot
7D
-2.6%
1Y
33.6%
Seeking Alpha • Jun 08

Green Dot: The Prepaid Card Era Is Over, A New Era Is Just Beginning

Summary Green Dot is transforming from a prepaid card provider to an embedded banking platform, targeting the rapidly expanding Banking-as-a-Service (BaaS) market. GDOT leverages its banking charter and APIs to enable partners to issue debit cards, manage accounts, and create branded digital banking experiences. Q1 2026 saw revenue rise 17% YoY to $656.2M and net income surge 109% YoY to $53.7M, with EPS beating estimates by $0.30. Despite strong financials, GDOT's stock remains undervalued, as Wall Street has yet to reward its growth and profitability. Read the full article on Seeking Alpha
LU
US$1.25
Lufax Holding
7D
-6.0%
1Y
-55.2%
PRAA
US$14.94
PRA Group
7D
-4.8%
1Y
1.8%