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U.S. Consumer Finance Industry Analysis

UpdatedJun 05, 2026
DataAggregated Company Financials
Companies56
  • 7D-1.5%
  • 3M2.7%
  • 1Y4.0%
  • YTD-17.7%

Over the last 7 days, the Consumer Finance industry has dropped 4.3%, driven by declines in American Express and Capital One Financial of 3.8% and 5.9%, respectively. As for the longer term, the industry's performance has been flat for the past year. 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
Fri, 05 Jun 2026US$459.4bUS$184.5bUS$27.9b8.8x16.5x2.5x
Sun, 03 May 2026US$490.0bUS$182.8bUS$27.6b9.8x17.8x2.7x
Tue, 31 Mar 2026US$439.1bUS$175.7bUS$25.6b7.8x17.1x2.5x
Thu, 26 Feb 2026US$483.8bUS$174.9bUS$25.6b8.4x18.9x2.8x
Sat, 24 Jan 2026US$570.0bUS$172.7bUS$25.4b8.7x22.4x3.3x
Mon, 22 Dec 2025US$585.8bUS$168.1bUS$24.3b10x24.1x3.5x
Wed, 19 Nov 2025US$516.9bUS$167.7bUS$24.3b9.9x21.3x3.1x
Fri, 17 Oct 2025US$532.4bUS$157.5bUS$21.6b10x24.7x3.4x
Sun, 14 Sep 2025US$535.7bUS$157.0bUS$21.3b10.6x25.2x3.4x
Tue, 12 Aug 2025US$491.2bUS$155.9bUS$21.0b9.5x23.4x3.2x
Thu, 10 Jul 2025US$457.5bUS$156.8bUS$25.0b10x18.3x2.9x
Sat, 07 Jun 2025US$410.4bUS$156.5bUS$24.9b9.3x16.5x2.6x
Mon, 05 May 2025US$438.1bUS$168.2bUS$29.2b10.2x15x2.6x
Wed, 02 Apr 2025US$426.2bUS$166.5bUS$29.5b11.1x14.5x2.6x
Fri, 28 Feb 2025US$468.1bUS$166.2bUS$29.2b10.8x16x2.8x
Sun, 26 Jan 2025US$499.3bUS$167.8bUS$28.1b12.1x17.8x3x
Tue, 24 Dec 2024US$457.2bUS$161.0bUS$26.4b11.3x17.3x2.8x
Thu, 21 Nov 2024US$447.2bUS$161.3bUS$26.5b12.2x16.9x2.8x
Sat, 19 Oct 2024US$424.2bUS$160.9bUS$26.2b10.5x16.2x2.6x
Mon, 16 Sep 2024US$382.9bUS$158.6bUS$25.7b10.5x14.9x2.4x
Wed, 14 Aug 2024US$360.9bUS$158.7bUS$25.9b11.2x13.9x2.3x
Fri, 12 Jul 2024US$368.6bUS$156.6bUS$25.1b9.4x14.7x2.4x
Sun, 09 Jun 2024US$361.2bUS$156.8bUS$25.3b9.3x14.3x2.3x
Tue, 07 May 2024US$367.5bUS$156.5bUS$25.1b10.1x14.7x2.3x
Thu, 04 Apr 2024US$362.9bUS$154.9bUS$24.4b10.7x14.9x2.3x
Sat, 02 Mar 2024US$327.3bUS$150.5bUS$22.6b9.5x14.5x2.2x
Mon, 29 Jan 2024US$309.0bUS$154.0bUS$22.5b9x13.8x2x
Wed, 27 Dec 2023US$297.2bUS$150.0bUS$23.2b9.1x12.8x2x
Fri, 24 Nov 2023US$249.0bUS$149.6bUS$23.0b7.4x10.8x1.7x
Sun, 22 Oct 2023US$225.6bUS$150.7bUS$23.4b7x9.6x1.5x
Tue, 19 Sep 2023US$253.5bUS$149.3bUS$23.0b7.8x11x1.7x
Thu, 17 Aug 2023US$256.5bUS$149.6bUS$23.3b7.8x11x1.7x
Sat, 15 Jul 2023US$285.0bUS$150.3bUS$24.8b7.5x11.5x1.9x
Mon, 12 Jun 2023US$278.0bUS$150.3bUS$24.5b7x11.4x1.8x
Price to Earnings Ratio

11.4x


Total Market Cap: US$278.0bTotal Earnings: US$24.5bTotal Revenue: US$150.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.4x202420252026
Current Industry PE
  • Investors are relatively neutral on the American Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 16.4x.
  • 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 4.5% 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 Market-0.11%
Financials1.18%
Consumer Finance-1.47%
Consumer Finance-1.47%
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
SOFI SoFi TechnologiesUS$17.151.1%
+US$230.9m		25.5%PE38.1x
ENVA Enova InternationalUS$167.865.6%
+US$223.0m		78.6%PE12.8x
OMF OneMain HoldingsUS$55.282.3%
+US$140.9m		6.5%PE8x
BFH Bread Financial HoldingsUS$91.153.0%
+US$108.7m		84.4%PE6.6x
SLM SLMUS$22.281.8%
+US$75.4m		-30.0%PE5.7x

Latest News

BFH
US$91.15
Bread Financial Holdings
7D
3.0%
1Y
84.4%
AXP
US$312.53
American Express
7D
-0.8%
1Y
5.6%
LC
US$17.57
LendingClub
7D
3.2%
1Y
72.9%
COF
US$183.20
Capital One Financial
7D
-2.0%
1Y
-4.6%
SOFI
US$17.15
SoFi Technologies
7D
1.1%
1Y
25.5%
KSPI
US$83.41
Kaspi.kz
7D
-10.1%
1Y
-1.6%
Seeking Alpha • Jun 02

Kaspi.kz: Ownership Change Drives Stock Rally

Summary Kaspi.kz remains a 'Buy' as Q1 results align with guidance and the investment thesis, with revenue up 31% YOY to $2.3 billion. Marketplace segment led growth, notably with Hepsiburada’s 94% YOY revenue jump and Kazakh value-added services up 73%, while profitability trends improve. Fintech revenue and loan portfolio grew 25% and 23% respectively, reflecting a strategic shift to longer-duration loans despite a slight NPL ratio increase. Reduced selling pressure after Tencent and the CEO acquired shares from Baring Vostok drove a 30% stock rally; the fair value estimate was raised to $95. Read the full article on Seeking Alpha
SYF
US$70.78
Synchrony Financial
7D
-1.0%
1Y
23.2%
Narrative Update • Jun 02

SYF: Future Returns Will Rely On Credit Resilience And Capital Returns

Narrative Update: Synchrony Financial The updated analyst price target for Synchrony Financial has been trimmed by about $1 to $89.22. Analysts are factoring in slightly lower revenue growth and profit margin assumptions, along with a modestly higher discount rate, while still using a similar forward P/E framework.
ENVA
US$167.86
Enova International
7D
5.6%
1Y
78.6%
Narrative Update • Jun 02

ENVA: Future Returns Will Rely On EPS Accretion And Buybacks

Enova International's analyst price target has been revised higher to $202.00. Analysts point to updated assumptions on discount rates, profit margins and future P/E expectations to support the change.
ALLY
US$42.41
Ally Financial
7D
-0.9%
1Y
20.5%
Narrative Update • Jun 01

ALLY: Capital Return And Digital Brand Execution Will Drive Future Upside

Analysts have raised their average price target on Ally Financial by $1, reflecting updated views on fair value, discount rate assumptions, projected revenue growth, profit margin outlook and future P/E expectations. Analyst Commentary Recent Street research on Ally Financial shows a mix of higher and lower price targets, with several bullish analysts lifting their fair value estimates and a smaller group trimming targets, including JPMorgan and Evercore ISI.
WRLD
US$167.80
World Acceptance
7D
3.9%
1Y
7.1%
Narrative Update • Jun 01

WRLD: Future Returns Will Rely On Buybacks Amid Leadership Uncertainty

Analysts have kept their fair value estimate for World Acceptance steady at $141, with only slight tweaks to underlying assumptions such as discount rate, revenue growth, profit margin, and future P/E that guide this unchanged price target view. What's in the News From January 1, 2026 to March 31, 2026, World Acceptance repurchased 137,412 shares, representing 2.89% of shares, for US$18.38 million under the buyback announced on July 24, 2025.
CACC
US$548.40
Credit Acceptance
7D
-2.1%
1Y
15.6%
PRG
US$34.15
PROG Holdings
7D
-8.2%
1Y
17.5%
Narrative Update • May 31

PRG: Higher 2026 Guidance And Improved Profit Outlook Will Support Future Upside

Analysts have nudged their price target on PROG Holdings to $57.00, citing modest adjustments to the discount rate, revenue growth, profit margin and future P/E assumptions in support of this updated view. What's in the News Updated 2026 guidance now calls for revenues from continuing operations in a range of US$3.0b to US$3.1b, compared with the prior range of US$2.95b to US$3.07b, along with higher targets for net earnings and diluted EPS from continuing operations (Corporate guidance).
FIGR
US$31.32
Figure Technology Solutions
7D
-9.8%
1Y
n/a
OMF
US$55.28
OneMain Holdings
7D
2.3%
1Y
6.5%
Narrative Update • May 29

OMF: Future Returns Will Reflect Share Repurchases And Stable Core Earnings Despite Legal Overhang

Analysts have slightly reduced their average price target on OneMain Holdings by about $0.20 to approximately $67.79. This change reflects updated views on growth, margins, discount rates and future P/E multiples following a series of recent target revisions and estimate adjustments.
SLM
US$22.28
SLM
7D
1.8%
1Y
-30.0%
OPFI
US$8.45
OppFi
7D
1.3%
1Y
-37.6%
Seeking Alpha • May 14

OppFi: Buying The Dip And Staying Bullish

Summary OppFi Inc. (OPFI) delivered Q1 results that beat revenue and EPS estimates, despite investor concerns over rising net charge-offs. OPFI's Model 6.1 launch and upcoming Model 7 are expected to enhance credit scoring and reduce losses, supporting profitable growth. The BNCCORP acquisition is projected to be at least 25% accretive to adjusted EPS in year one post-close, with further upside in subsequent years. With valuation near 5x forward P/E and improving execution, I see the risk/reward as very favorable, especially if Q2 results are strong. Read the full article on Seeking Alpha