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U.S. Consumer Finance Industry Analysis

UpdatedJun 14, 2026
DataAggregated Company Financials
Companies56
  • 7D3.5%
  • 3M7.7%
  • 1Y7.5%
  • YTD-15.8%

Over the last 7 days, the Consumer Finance industry has risen 3.5%, driven by gains from American Express of 4.8%. This takes the industry's 12 month performance to a gain of 7.5%. 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
Sun, 14 Jun 2026US$484.0bUS$184.5bUS$27.9b8.3x17.4x2.6x
Tue, 12 May 2026US$482.5bUS$183.9bUS$28.1b9.7x17.2x2.6x
Thu, 09 Apr 2026US$459.7bUS$175.9bUS$25.5b8.5x18x2.6x
Sat, 07 Mar 2026US$475.9bUS$176.2bUS$26.2b7.9x18.2x2.7x
Mon, 02 Feb 2026US$537.4bUS$175.0bUS$25.6b8.7x21x3.1x
Wed, 31 Dec 2025US$585.0bUS$168.4bUS$24.4b10x24x3.5x
Fri, 28 Nov 2025US$550.9bUS$168.0bUS$24.3b9.7x22.6x3.3x
Sun, 26 Oct 2025US$557.5bUS$165.2bUS$23.8b10.1x23.4x3.4x
Tue, 23 Sep 2025US$561.2bUS$157.0bUS$21.3b10.8x26.4x3.6x
Thu, 21 Aug 2025US$502.9bUS$156.5bUS$21.2b10.1x23.8x3.2x
Sat, 19 Jul 2025US$457.8bUS$156.7bUS$25.0b9.7x18.3x2.9x
Mon, 16 Jun 2025US$407.0bUS$156.5bUS$24.9b8.6x16.4x2.6x
Wed, 14 May 2025US$469.2bUS$168.8bUS$29.4b9.7x16x2.8x
Fri, 11 Apr 2025US$412.3bUS$166.3bUS$29.4b9.2x14x2.5x
Sun, 09 Mar 2025US$429.0bUS$166.8bUS$29.4b11.1x14.6x2.6x
Tue, 04 Feb 2025US$491.9bUS$168.4bUS$28.7b12.3x17.1x2.9x
Thu, 02 Jan 2025US$454.7bUS$161.0bUS$26.8b11.4x17x2.8x
Sat, 30 Nov 2024US$477.0bUS$161.2bUS$26.4b12.8x18.1x3x
Mon, 28 Oct 2024US$407.8bUS$160.8bUS$26.1b9.9x15.6x2.5x
Wed, 25 Sep 2024US$394.5bUS$158.7bUS$25.7b9.8x15.4x2.5x
Fri, 23 Aug 2024US$379.0bUS$158.4bUS$25.7b11.7x14.8x2.4x
Sun, 21 Jul 2024US$383.2bUS$159.0bUS$26.7b9.8x14.4x2.4x
Tue, 18 Jun 2024US$349.7bUS$156.7bUS$25.2b8.9x13.9x2.2x
Thu, 16 May 2024US$373.2bUS$156.7bUS$25.3b9.8x14.8x2.4x
Sat, 13 Apr 2024US$351.4bUS$154.9bUS$24.4b10.2x14.4x2.3x
Mon, 11 Mar 2024US$329.8bUS$150.5bUS$22.7b10.1x14.5x2.2x
Wed, 07 Feb 2024US$308.8bUS$153.7bUS$22.9b8.8x13.5x2x
Fri, 05 Jan 2024US$295.1bUS$149.9bUS$23.2b8.7x12.7x2x
Sun, 03 Dec 2023US$269.3bUS$150.0bUS$23.1b8.2x11.6x1.8x
Tue, 31 Oct 2023US$228.3bUS$150.0bUS$23.4b7.5x9.8x1.5x
Thu, 28 Sep 2023US$239.6bUS$149.3bUS$23.0b7.4x10.4x1.6x
Sat, 26 Aug 2023US$251.5bUS$148.9bUS$23.1b7.9x10.9x1.7x
Mon, 24 Jul 2023US$280.5bUS$150.0bUS$23.8b8.1x11.8x1.9x
Wed, 21 Jun 2023US$275.3bUS$150.3bUS$24.6b7.3x11.2x1.8x
Price to Earnings Ratio

11.2x


Total Market Cap: US$275.3bTotal Earnings: US$24.6bTotal 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 4.2% 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 Market0.87%
Financials2.30%
Consumer Finance3.53%
Consumer Finance3.53%
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$325.444.8%
+US$10.1b		13.1%PE20x
COF Capital One FinancialUS$184.732.2%
+US$1.4b		-4.2%PE44.1x
SYF Synchrony FinancialUS$73.363.6%
+US$847.7m		22.6%PE7x
SOFI SoFi TechnologiesUS$16.583.4%
+US$705.5m		17.7%PE36.9x
ENVA Enova InternationalUS$189.3312.1%
+US$511.6m		102.9%PE14.5x

Latest News

BFH
US$101.71
Bread Financial Holdings
7D
11.6%
1Y
100.5%
KSPI
US$80.56
Kaspi.kz
7D
-0.8%
1Y
-6.4%
COF
US$184.73
Capital One Financial
7D
2.2%
1Y
-4.2%
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
SOFI
US$16.58
SoFi Technologies
7D
3.4%
1Y
17.7%
Seeking Alpha • Jun 12

SoFi's 36% Selloff Hides What The Bears Keep Getting Wrong

Summary SoFi Technologies, Inc. maintains my Buy rating despite recent legal and segment-specific headwinds, as the core growth thesis remains intact. SOFI's premium valuation is justified by 43% YoY revenue growth and robust net income, outpacing sector peers while trading at compressed multiples. Strategic acquisitions, notably Peach Finance, rebuild the Technology Platform's full-stack offering, addressing client retention and segment turnaround potential. Legal overhang from a class-action investigation poses a material risk, but management's ongoing insider buying and reaffirmed guidance support confidence. Read the full article on Seeking Alpha
FIGR
US$27.93
Figure Technology Solutions
7D
-2.0%
1Y
n/a
FCFS
US$224.89
FirstCash Holdings
7D
-0.2%
1Y
72.8%
ENVA
US$189.33
Enova International
7D
12.1%
1Y
102.9%
Seeking Alpha • Jun 10

Enova International: Structurally Undervalued

Summary Enova Financial is transitioning from an online lender to a bank holding company via the Grasshopper Bank acquisition, unlocking new growth and stability. ENVA has compounded adjusted EBITDA at 24% and loans at 31% annually, with machine learning-driven underwriting and 30% returns on equity. The stock trades at a discount to peers despite strong margins and is assigned a Buy rating with a $292/share price target, implying ~70% upside. Key risks include ML model limitations in downturns, integration of Grasshopper, and exposure to non-prime borrowers with weak financial profiles. Read the full article on Seeking Alpha
DAVE
US$286.78
Dave
7D
11.0%
1Y
37.7%
EZPW
US$31.25
EZCORP
7D
-2.2%
1Y
137.3%
AXP
US$325.44
American Express
7D
4.8%
1Y
13.1%
Narrative Update • Jun 09

AXP: Premium Franchise Strength And Competition Will Shape Returns Going Forward

Analysts kept the American Express fair value estimate steady at $285.00 while slightly adjusting the discount rate and revenue growth assumptions. This reflects mixed but generally constructive recent research that includes higher price targets from firms citing resilient spending trends, alongside more cautious updates from others focused on competition and valuation pressures.
ANTA
US$6.84
Antalpha Platform Holding
7D
-3.5%
1Y
-43.9%
SYF
US$73.36
Synchrony Financial
7D
3.6%
1Y
22.6%
ALLY
US$44.37
Ally Financial
7D
3.7%
1Y
23.2%
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.
VRM
US$7.22
Vroom
7D
-23.2%
1Y
-73.4%
LU
US$1.33
Lufax Holding
7D
-8.3%
1Y
-52.5%
PRAA
US$15.69
PRA Group
7D
-2.0%
1Y
7.8%