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U.S. Consumer Finance Industry Analysis

UpdatedJul 05, 2026
DataAggregated Company Financials
Companies56
  • 7D2.1%
  • 3M15.0%
  • 1Y2.4%
  • YTD-8.2%

In the last week, the Consumer Finance industry is up 2.1%, with American Express up 3.4%. Despite this gain, the industry's performance has been flat over the past year. As for the next few years, earnings are expected to grow by 19% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 05 Jul 2026US$527.7bUS$184.5bUS$27.7b8.8x19x2.9x
Tue, 02 Jun 2026US$484.6bUS$184.5bUS$27.9b9.1x17.4x2.6x
Thu, 30 Apr 2026US$489.2bUS$182.3bUS$27.4b9.7x17.8x2.7x
Sat, 28 Mar 2026US$451.8bUS$175.5bUS$25.6b7.7x17.6x2.6x
Mon, 23 Feb 2026US$512.8bUS$174.8bUS$25.6b8.6x20x2.9x
Wed, 21 Jan 2026US$577.2bUS$168.4bUS$24.4b8.7x23.6x3.4x
Fri, 19 Dec 2025US$577.2bUS$168.1bUS$24.3b9.7x23.7x3.4x
Sun, 16 Nov 2025US$540.5bUS$167.7bUS$24.3b9.9x22.2x3.2x
Tue, 14 Oct 2025US$507.0bUS$157.1bUS$21.3b9.8x23.8x3.2x
Thu, 11 Sep 2025US$528.8bUS$156.7bUS$21.2b10.4x24.9x3.4x
Sat, 09 Aug 2025US$487.9bUS$155.9bUS$21.0b9.4x23.3x3.1x
Mon, 07 Jul 2025US$465.5bUS$156.9bUS$25.0b9.9x18.6x3x
Wed, 04 Jun 2025US$409.0bUS$156.4bUS$24.9b9x16.4x2.6x
Fri, 02 May 2025US$423.0bUS$168.1bUS$29.2b9.9x14.5x2.5x
Sun, 30 Mar 2025US$419.4bUS$166.5bUS$29.5b10.5x14.2x2.5x
Tue, 25 Feb 2025US$472.2bUS$166.2bUS$29.2b11.1x16.2x2.8x
Thu, 23 Jan 2025US$488.3bUS$162.0bUS$27.2b12.4x18x3x
Sat, 21 Dec 2024US$449.5bUS$161.0bUS$26.4b11.3x17x2.8x
Mon, 18 Nov 2024US$450.3bUS$161.3bUS$26.4b12.3x17.1x2.8x
Wed, 16 Oct 2024US$413.9bUS$158.5bUS$25.6b10x16.1x2.6x
Fri, 13 Sep 2024US$374.6bUS$158.5bUS$25.7b10.3x14.6x2.4x
Sun, 11 Aug 2024US$364.0bUS$158.7bUS$25.9b11.2x14.1x2.3x
Tue, 09 Jul 2024US$365.1bUS$156.5bUS$25.1b9.1x14.6x2.3x
Thu, 06 Jun 2024US$360.1bUS$156.8bUS$25.3b9.3x14.2x2.3x
Sat, 04 May 2024US$362.8bUS$156.4bUS$25.0b9.9x14.5x2.3x
Mon, 01 Apr 2024US$367.3bUS$155.0bUS$24.4b11.2x15x2.4x
Wed, 28 Feb 2024US$322.6bUS$150.5bUS$22.6b9.1x14.2x2.1x
Fri, 26 Jan 2024US$292.6bUS$152.8bUS$22.6b8.8x12.9x1.9x
Sun, 24 Dec 2023US$297.2bUS$150.0bUS$23.2b9x12.8x2x
Tue, 21 Nov 2023US$250.5bUS$149.5bUS$23.0b7.5x10.9x1.7x
Thu, 19 Oct 2023US$240.5bUS$149.1bUS$23.1b7.2x10.4x1.6x
Sat, 16 Sep 2023US$253.0bUS$149.3bUS$23.0b7.9x11x1.7x
Mon, 14 Aug 2023US$269.7bUS$149.8bUS$23.3b8.1x11.6x1.8x
Wed, 12 Jul 2023US$284.9bUS$150.1bUS$24.8b7.6x11.5x1.9x
Price to Earnings Ratio

11.5x


Total Market Cap: US$284.9bTotal Earnings: US$24.8bTotal Revenue: US$150.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.6x202420252026
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 16.6x.
  • 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 3.8% 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 Market1.63%
Financials3.36%
Consumer Finance2.06%
Consumer Finance2.06%
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$351.963.4%
+US$7.9b		7.3%PE21.7x
FIGR Figure Technology SolutionsUS$33.9126.2%
+US$1.6b		n/aPE69.6x
COF Capital One FinancialUS$205.120.5%
+US$689.9m		-7.1%PE49x
DAVE DaveUS$387.3611.1%
+US$491.4m		37.5%PE21.9x
SOFI SoFi TechnologiesUS$18.242.0%
+US$461.8m		-1.8%PE40.6x

Latest News

SOFI
US$18.24
SoFi Technologies
7D
2.0%
1Y
-1.8%
QFIN
US$15.46
Qfin Holdings
7D
-2.2%
1Y
-64.1%
Seeking Alpha • Jul 03

Qfin Holdings: The Good And The Bad (Rating Downgrade)

Summary I have shifted Qfin Holdings, Inc. (QFIN) to 'Hold' from 'Buy' due to mixed regulatory, credit, and shareholder return outlooks. QFIN's valuation is low, but this aligns with deteriorating near-term financial prospects and persistent macro/regulatory headwinds. Regulatory and credit risks remain, with a potential rate cap reduction threatening net take rates and asset quality signals diverging. Shareholder returns are uncertain; buybacks may underwhelm if lending opportunities increase, and cash payouts could miss expectations assuming more aggressive credit deployment. Read the full article on Seeking Alpha
AXP
US$351.96
American Express
7D
3.4%
1Y
7.3%
OMF
US$59.50
OneMain Holdings
7D
-1.6%
1Y
-0.4%
Seeking Alpha • Jul 02

OneMain Holdings: It's Still Trading Within My Margin Of Safety

Summary OneMain Holdings remains resilient amid macro volatility, delivering 2.5% returns since the last coverage and justifying my reiterated buy rating. OMF's risk is mitigated by 55% of personal loans being secured, a $2.8B loan loss allowance, and fixed-rate lending, supporting credit quality. My updated Dividend Discount Model yields a target price of $88.79; with a 20% margin of safety, my buy zone is up to $71.04. OMF offers an attractive ~7% dividend yield, with yields remaining compelling even if the stock appreciates to my conservative target. Read the full article on Seeking Alpha
ATLC
US$96.40
Atlanticus Holdings
7D
-12.7%
1Y
67.2%
FIGR
US$33.91
Figure Technology Solutions
7D
26.2%
1Y
n/a
SYF
US$76.33
Synchrony Financial
7D
-3.0%
1Y
8.8%
DAVE
US$387.36
Dave
7D
11.1%
1Y
37.5%
EZPW
US$35.59
EZCORP
7D
9.4%
1Y
153.7%
Narrative Update • Jun 29

EZPW: Gold Tailwinds And Pawn Loan Momentum Will Drive Future Upside

EZCORP's updated analyst price target has moved from $36.00 to $44.00, with analysts pointing to adjusted assumptions around discount rates, revenue growth, profit margins and future P/E expectations as key drivers of the change. Analyst Commentary Recent Street research on EZCORP reflects a cluster of bullish analysts revisiting their models and lifting price targets, citing updated views on discount rates, revenue assumptions, margin profiles and future P/E levels.
ALLY
US$45.32
Ally Financial
7D
-3.9%
1Y
10.0%
Narrative Update • Jun 29

ALLY: Earnings Execution And New Brand Platform Will Drive Future Upside

The analyst price target for Ally Financial has been updated to $58 from $64.25. Analysts cite adjustments in fair value, discount rate, revenue growth, profit margin, and future P/E assumptions, along with recent Street research that includes both upward and downward target revisions ahead of upcoming earnings.
COF
US$205.12
Capital One Financial
7D
0.5%
1Y
-7.1%
PRG
US$44.13
PROG Holdings
7D
-4.3%
1Y
44.6%
CACC
US$657.12
Credit Acceptance
7D
4.5%
1Y
23.9%
FCFS
US$221.97
FirstCash Holdings
7D
4.5%
1Y
62.3%
HAPN
US$19.69
Happen
7D
-2.0%
1Y
56.6%
BFH
US$102.21
Bread Financial Holdings
7D
-3.8%
1Y
69.2%
Analysis Article • Jun 20

Bread Financial Holdings (BFH) Stock Could Be 6.5% Overvalued After Analyst Upgrade

Bread Financial Holdings (BFH) has drawn fresh attention after an upgrade to a top analyst rating, supported by more optimistic earnings estimates, stronger institutional participation, and reinforcing signals from several technical indicators. See our latest analysis for Bread Financial Holdings. The recent upgrade comes after a strong run in Bread Financial Holdings' share price, with a 30-day share price return of 19.39% and a 90-day share price return of 37.24%. The 1-year total...