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U.S. Consumer Finance Industry Analysis

UpdatedJun 27, 2026
DataAggregated Company Financials
Companies56
  • 7D1.8%
  • 3M18.1%
  • 1Y4.8%
  • YTD-10.1%

The Consumer Finance industry has gained 1.8% in the last week and American Express up 0.7%. Meanwhile, FirstCash Holdings actually underperformed within the industry, shrinking 6.4% in the last week. This means that the industry has gained 4.8% over the past year. Looking forward, 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, 27 Jun 2026US$516.7bUS$184.2bUS$27.7b8.7x18.7x2.8x
Mon, 25 May 2026US$475.0bUS$184.8bUS$28.2b9.8x16.9x2.6x
Wed, 22 Apr 2026US$511.7bUS$176.6bUS$26.2b9.4x19.6x2.9x
Fri, 20 Mar 2026US$449.4bUS$175.8bUS$25.7b7.6x17.5x2.6x
Sun, 15 Feb 2026US$507.2bUS$175.7bUS$25.8b8.1x19.7x2.9x
Tue, 13 Jan 2026US$591.3bUS$168.3bUS$24.4b8.9x24.2x3.5x
Thu, 11 Dec 2025US$565.1bUS$168.0bUS$24.3b9.2x23.2x3.4x
Sat, 08 Nov 2025US$548.9bUS$166.4bUS$24.1b10.4x22.7x3.3x
Mon, 06 Oct 2025US$529.4bUS$157.0bUS$21.3b10.1x24.9x3.4x
Wed, 03 Sep 2025US$538.1bUS$156.7bUS$21.2b10.5x25.3x3.4x
Fri, 01 Aug 2025US$500.3bUS$154.5bUS$20.4b9.7x24.5x3.2x
Sun, 29 Jun 2025US$446.4bUS$156.9bUS$25.0b9.3x17.8x2.8x
Tue, 27 May 2025US$397.0bUS$156.2bUS$24.9b8.2x15.9x2.5x
Thu, 24 Apr 2025US$400.6bUS$167.3bUS$28.8b9.7x13.9x2.4x
Sat, 22 Mar 2025US$427.5bUS$166.8bUS$29.5b11.1x14.5x2.6x
Mon, 17 Feb 2025US$492.8bUS$168.7bUS$28.9b12.1x17x2.9x
Wed, 15 Jan 2025US$459.6bUS$160.9bUS$26.8b11.6x17.2x2.9x
Fri, 13 Dec 2024US$471.6bUS$161.1bUS$26.4b12.4x17.9x2.9x
Sun, 10 Nov 2024US$451.5bUS$161.4bUS$26.4b12.3x17.1x2.8x
Tue, 08 Oct 2024US$408.7bUS$158.7bUS$25.7b9.9x15.9x2.6x
Thu, 05 Sep 2024US$388.9bUS$158.5bUS$25.6b10.9x15.2x2.5x
Sat, 03 Aug 2024US$380.9bUS$158.5bUS$25.9b9.2x14.7x2.4x
Mon, 01 Jul 2024US$363.2bUS$156.6bUS$25.1b9.1x14.5x2.3x
Wed, 29 May 2024US$364.6bUS$156.8bUS$25.3b9.3x14.4x2.3x
Fri, 26 Apr 2024US$367.9bUS$156.2bUS$25.0b11x14.7x2.4x
Sun, 24 Mar 2024US$335.3bUS$150.6bUS$22.6b10.8x14.9x2.2x
Tue, 20 Feb 2024US$318.0bUS$153.6bUS$22.8b8.8x13.9x2.1x
Thu, 18 Jan 2024US$285.5bUS$149.9bUS$23.2b8.4x12.3x1.9x
Sat, 16 Dec 2023US$297.3bUS$150.0bUS$23.2b8.8x12.8x2x
Mon, 13 Nov 2023US$240.6bUS$150.0bUS$23.2b6.9x10.4x1.6x
Wed, 11 Oct 2023US$242.8bUS$149.1bUS$23.1b7.5x10.5x1.6x
Fri, 08 Sep 2023US$250.0bUS$149.2bUS$23.0b7.9x10.9x1.7x
Sun, 06 Aug 2023US$275.4bUS$150.1bUS$23.5b8.4x11.7x1.8x
Tue, 04 Jul 2023US$282.9bUS$150.0bUS$24.8b7.5x11.4x1.9x
Price to Earnings Ratio

11.4x


Total Market Cap: US$282.9bTotal Earnings: US$24.8bTotal Revenue: US$150.0bTotal 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 18.7x which is higher than its 3-year average PE of 16.5x.
  • 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 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 Market-2.65%
Financials0.47%
Consumer Finance1.78%
Consumer Finance1.78%
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$340.360.7%
+US$1.6b		7.3%PE20.9x
COF Capital One FinancialUS$204.001.2%
+US$1.5b		-3.3%PE48.7x
KSPI Kaspi.kzUS$88.958.2%
+US$1.3b		3.2%PE7.7x
SYF Synchrony FinancialUS$78.664.5%
+US$1.1b		18.8%PE7.5x
ENVA Enova InternationalUS$231.0414.1%
+US$710.7m		108.1%PE17.6x

Latest News

COF
US$204.00
Capital One Financial
7D
1.2%
1Y
-3.3%
CACC
US$628.86
Credit Acceptance
7D
8.5%
1Y
25.1%
SOFI
US$17.88
SoFi Technologies
7D
-0.2%
1Y
4.1%
KSPI
US$88.95
Kaspi.kz
7D
8.2%
1Y
3.2%
FIGR
US$26.86
Figure Technology Solutions
7D
-5.9%
1Y
n/a
Narrative Update • Jun 26

FIGR: Rising Confidence In Q2 Outlook Will Drive Future Repricing

The analyst price target for Figure Technology Solutions has increased from $49.88 to $55.14. Analysts cite a stronger Q2 outlook, recent revenue performance, and updated assumptions for revenue growth, profit margins, and future P/E as key drivers of this change.
SLM
US$25.45
SLM
7D
10.5%
1Y
-22.8%
Narrative Update • Jun 26

SLM: Refining Earnings Power As Legal And Capital Returns Stories Unfold

Analysts have trimmed their average price target on SLM to about $23, reflecting more cautious revenue assumptions, along with expectations for stronger profit margins and a lower future P/E multiple. Analyst Commentary Recent Street research on SLM shows a mix of cautious and constructive views, with several firms adjusting their price targets and ratings in quick succession.
SYF
US$78.66
Synchrony Financial
7D
4.5%
1Y
18.8%
Seeking Alpha • Jun 26

Synchrony Financial Fixed-Rate Preferred: Attractive Yield At A Discount, Uncertain Rate Outlook

Summary Synchrony Financial fixed-rate preferred offers a ~7.54% yield, trading at a discount due to higher market rates. SYF.PR.A enjoys strong dividend coverage (~40x quarterly, ~43x annual), strong capital ratios, and qualified dividend treatment for enhanced after-tax yield. Interest rate trajectory remains the primary risk; upside is capped at par, but discount mitigates call risk and allows for rate-reversal participation. SYF.PR.A as Hold with a selective Buy bias for long-term, income-focused investors, while short-term investors may prefer to wait. Read the full article on Seeking Alpha
AXP
US$340.36
American Express
7D
0.7%
1Y
7.3%
ANTA
US$5.76
Antalpha Platform Holding
7D
-11.9%
1Y
-47.6%
HTT
US$2.51
High Templar Tech
7D
-19.0%
1Y
-18.8%
ENVA
US$231.04
Enova International
7D
14.1%
1Y
108.1%
Seeking Alpha • Jun 25

Enova: The Grasshopper Deal Could Create Long-Term Value Beyond Initial Synergies

Summary Enova is expanding its small business lending with the acquisition of Grasshopper Bank, aiming to reduce funding costs and boost profitability. The SMB segment now represents 70% of ENVA's loan portfolio, with Q1 2026 SMB revenue up 37% YoY, outpacing consumer growth. Management expects the Grasshopper acquisition to be over 15% EPS accretive in year one and over 25% as synergies are realized. I rate ENVA a 'buy' as the bank acquisition could drive greater long-term value, leveraging ENVA’s broad SMB reach. Read the full article on Seeking Alpha
JFIN
US$3.01
Jiayin Group
7D
-24.9%
1Y
-80.5%
Seeking Alpha • Jun 25

Jiayin: Focus On Disappointing Results And Worrying Guidance (Rating Downgrade)

Summary Jiayin Group Inc. is downgraded from "Buy" to "Sell" following a sharp earnings reversal and weak forward guidance. JFIN posted a Q1 2026 net loss of CNY62 million, ending a 29-quarter positive profit streak, with loan volumes and revenue down 46% and 57% YoY. Management guides for Q2 2026 transaction volume to decline 48% QoQ and 73% YoY amid regulatory tightening and macro uncertainty. Read the full article on Seeking Alpha
FCFS
US$212.45
FirstCash Holdings
7D
-6.4%
1Y
57.9%
ALLY
US$47.17
Ally Financial
7D
3.7%
1Y
21.2%
Analysis Article • Jun 21

Ally Financial (ALLY) Stock Could Be 15.8% Undervalued on Its Digital Banking Narrative

Recent Performance Snapshot Ally Financial (ALLY) has drawn investor attention after a period of mixed share performance, with the stock roughly flat year to date while showing gains over the past month and past 3 months. See our latest analysis for Ally Financial. At a share price of $45.49, Ally Financial has seen short term momentum build, with a 7.41% 30 day share price return and a 15.99% 90 day share price return. Longer term total shareholder returns of 26.84% over 1 year and 90.65%...
VRM
US$8.49
Vroom
7D
-16.4%
1Y
-70.2%
DFDV
US$2.73
DeFi Development
7D
-9.3%
1Y
-83.8%