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U.S. Consumer Finance Industry Analysis

UpdatedJun 08, 2026
DataAggregated Company Financials
Companies56
  • 7D-2.4%
  • 3M1.7%
  • 1Y0.2%
  • YTD-18.7%

Over the last 7 days, the Consumer Finance industry has dropped 2.4%, driven by declines in SoFi Technologies and Capital One Financial of 11% and 2.3%, respectively. Over the last year, the industry has been flat overall. 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
Tue, 09 Jun 2026US$468.6bUS$184.5bUS$27.9b7.8x16.8x2.5x
Thu, 07 May 2026US$484.2bUS$182.9bUS$27.9b10x17.4x2.6x
Sat, 04 Apr 2026US$454.1bUS$175.9bUS$25.5b8.1x17.8x2.6x
Mon, 02 Mar 2026US$472.3bUS$175.3bUS$26.0b8.7x18.1x2.7x
Wed, 28 Jan 2026US$556.3bUS$172.8bUS$25.5b8.7x21.8x3.2x
Fri, 26 Dec 2025US$595.6bUS$168.2bUS$24.4b10x24.4x3.5x
Sun, 23 Nov 2025US$526.9bUS$167.9bUS$24.2b9.7x21.7x3.1x
Tue, 21 Oct 2025US$542.2bUS$159.7bUS$22.0b9.9x24.6x3.4x
Thu, 18 Sep 2025US$542.1bUS$157.1bUS$21.3b10.6x25.5x3.5x
Sat, 16 Aug 2025US$512.0bUS$156.3bUS$21.1b10.1x24.2x3.3x
Mon, 14 Jul 2025US$460.2bUS$156.8bUS$25.0b9.8x18.4x2.9x
Wed, 11 Jun 2025US$421.7bUS$156.5bUS$24.9b9.1x16.9x2.7x
Fri, 09 May 2025US$436.6bUS$168.5bUS$29.3b9.6x14.9x2.6x
Sun, 06 Apr 2025US$368.1bUS$166.4bUS$29.4b9.6x12.5x2.2x
Tue, 04 Mar 2025US$474.3bUS$166.4bUS$29.3b10.8x16.2x2.9x
Thu, 30 Jan 2025US$492.8bUS$168.3bUS$28.7b12.4x17.2x2.9x
Sat, 28 Dec 2024US$466.4bUS$161.1bUS$26.8b11.5x17.4x2.9x
Mon, 25 Nov 2024US$466.5bUS$161.3bUS$26.5b12.4x17.6x2.9x
Wed, 23 Oct 2024US$409.7bUS$160.3bUS$26.2b10.1x15.7x2.6x
Fri, 20 Sep 2024US$390.5bUS$158.6bUS$25.7b10x15.2x2.5x
Sun, 18 Aug 2024US$381.8bUS$158.8bUS$25.9b11.9x14.7x2.4x
Tue, 16 Jul 2024US$374.1bUS$156.6bUS$25.1b9.8x14.9x2.4x
Thu, 13 Jun 2024US$351.1bUS$156.8bUS$25.2b9.4x13.9x2.2x
Sat, 11 May 2024US$371.1bUS$156.7bUS$25.2b10x14.7x2.4x
Mon, 08 Apr 2024US$358.6bUS$154.9bUS$24.4b10.7x14.7x2.3x
Wed, 06 Mar 2024US$325.2bUS$150.5bUS$22.6b9.5x14.4x2.2x
Fri, 02 Feb 2024US$308.3bUS$154.1bUS$22.5b8.9x13.7x2x
Sun, 31 Dec 2023US$300.5bUS$150.1bUS$23.2b8.9x13x2x
Tue, 28 Nov 2023US$251.1bUS$150.0bUS$23.1b7.4x10.9x1.7x
Thu, 26 Oct 2023US$223.2bUS$150.0bUS$23.3b6.7x9.6x1.5x
Sat, 23 Sep 2023US$244.1bUS$149.3bUS$23.0b7.4x10.6x1.6x
Mon, 21 Aug 2023US$256.9bUS$149.7bUS$23.3b7.8x11x1.7x
Wed, 19 Jul 2023US$293.4bUS$150.2bUS$24.8b7.8x11.8x2x
Fri, 16 Jun 2023US$283.2bUS$150.4bUS$24.6b7.4x11.5x1.9x
Price to Earnings Ratio

11.5x


Total Market Cap: US$283.2bTotal Earnings: US$24.6bTotal Revenue: US$150.4bTotal 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 7.0% 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-2.49%
Financials0.89%
Consumer Finance-2.44%
Consumer Finance-2.44%
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
FCFS FirstCash HoldingsUS$223.744.7%
+US$437.5m		70.7%PE27.7x
ENVA Enova InternationalUS$171.544.4%
+US$179.9m		76.7%PE13.1x
ALLY Ally FinancialUS$42.380.8%
+US$101.2m		15.8%PE10.1x
BFH Bread Financial HoldingsUS$91.422.3%
+US$82.0m		78.5%PE6.6x
SLM SLMUS$22.391.5%
+US$62.2m		-29.7%PE5.8x

Latest News

AXP
US$312.30
American Express
7D
-0.4%
1Y
3.6%
KSPI
US$80.17
Kaspi.kz
7D
-11.1%
1Y
-6.4%
Narrative Update • Jun 07

KSPI: Execution And Earnings Resilience Will Support Confidence After Susquehanna Upgrade

Analysts now estimate Kaspi.kz’s fair value at about $118, down from roughly $128, reflecting updated views on discount rates, revenue growth, profit margins, and future P/E in light of recent research, including the Susquehanna price target revision. What's in the News Analysts incorporate the Susquehanna price target revision into updated fair value work, linking the new US$118 estimate to recent research coverage.
ATLC
US$85.89
Atlanticus Holdings
7D
4.0%
1Y
65.5%
ENVA
US$171.54
Enova International
7D
4.4%
1Y
76.7%
UPST
US$31.00
Upstart Holdings
7D
-7.8%
1Y
-46.0%
QFIN
US$14.27
Qfin Holdings
7D
-15.6%
1Y
-66.6%
Narrative Update • Jun 06

QFIN: Dividend And Buyback Returns Will Support Future Re Rating Potential

Narrative Update on Qfin Holdings The analyst price target for Qfin Holdings has been revised lower by analysts to reflect a reduced fair value estimate of $21.69. This change is influenced by recent target cuts and downgrades that highlight ongoing regulatory headwinds and a lack of clear near term catalysts.
FIGR
US$27.86
Figure Technology Solutions
7D
-16.6%
1Y
n/a
SOFI
US$16.50
SoFi Technologies
7D
-11.2%
1Y
17.0%
Seeking Alpha • Jun 05

The Market Is Missing SoFi Technologies' Next Chapter

Summary Financial Services revenue surged 41% to $429 million as members grew 35% to 14.7 million users. Existing members opened 43% of new products, validating SoFi's cross-selling flywheel and increasing lifetime customer value. Loan Platform Business originated $3 billion while securing $3.6 billion of new institutional funding commitments. Credit quality remains strong with 745 average FICO scores, $154,000 borrower income, and improving loan vintages. Read the full article on Seeking Alpha
BFH
US$91.42
Bread Financial Holdings
7D
2.3%
1Y
78.5%
FCFS
US$223.74
FirstCash Holdings
7D
4.7%
1Y
70.7%
SLM
US$22.39
SLM
7D
1.5%
1Y
-29.7%
Narrative Update • Jun 04

SLM: Credit Stability And Capital Returns Will Support Future Re Rating

Analysts have nudged the SLM price target higher by about $0.64, pointing to updated views on fair value; a slightly higher assumed discount rate; softer revenue growth expectations; modestly lower profit margin assumptions; and a small adjustment to the future P/E multiple in light of recent mixed target changes across the Street. Analyst Commentary Recent Street research on SLM shows a mix of higher and lower price targets, along with at least one reported upgrade, reflecting a debate over how the stock should be valued against execution risks and growth opportunities.
COF
US$180.39
Capital One Financial
7D
-2.3%
1Y
-9.3%
ECPG
US$80.30
Encore Capital Group
7D
2.2%
1Y
109.4%
Narrative Update • Jun 02

ECPG: 2026 EPS Guidance And Liquidity Moves Will Drive Further Upside

Analysts have lifted their price targets on Encore Capital Group by about $8 per share, citing updated views on fair value, discount rates, revenue growth assumptions, profit margins, and future P/E multiples. Analyst Commentary Bullish Takeaways Bullish analysts lifting price targets by double digit dollar amounts point to a higher assessed fair value for Encore Capital Group, which they link to updated views on the stock’s risk and return profile.
ALLY
US$42.38
Ally Financial
7D
0.8%
1Y
15.8%
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.
LU
US$1.38
Lufax Holding
7D
-16.9%
1Y
-52.1%
PRAA
US$15.20
PRA Group
7D
3.0%
1Y
3.8%