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U.S. Consumer Finance Industry Analysis

UpdatedJun 15, 2026
DataAggregated Company Financials
Companies56
  • 7D3.3%
  • 3M6.6%
  • 1Y5.1%
  • YTD-15.8%

The Consumer Finance industry is up 3.3% in the last week, with American Express up 4.2%. This means that the industry has gained 5.1% 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
Mon, 15 Jun 2026US$484.0bUS$184.5bUS$27.9b8.3x17.4x2.6x
Wed, 13 May 2026US$475.1bUS$184.0bUS$28.2b9.3x16.8x2.6x
Fri, 10 Apr 2026US$476.7bUS$175.8bUS$25.5b8.5x18.7x2.7x
Sun, 08 Mar 2026US$464.3bUS$176.2bUS$26.2b7.9x17.7x2.6x
Tue, 03 Feb 2026US$537.4bUS$175.0bUS$25.6b9x21x3.1x
Thu, 01 Jan 2026US$582.0bUS$168.3bUS$24.4b9.6x23.9x3.5x
Sat, 29 Nov 2025US$555.8bUS$168.1bUS$24.4b9.8x22.8x3.3x
Mon, 27 Oct 2025US$557.5bUS$165.2bUS$23.8b10.1x23.4x3.4x
Wed, 24 Sep 2025US$558.1bUS$157.0bUS$21.3b10.8x26.2x3.6x
Fri, 22 Aug 2025US$503.7bUS$156.5bUS$21.2b10.1x23.8x3.2x
Sun, 20 Jul 2025US$451.2bUS$158.2bUS$24.8b9.7x18.2x2.9x
Tue, 17 Jun 2025US$408.0bUS$156.5bUS$24.9b8.8x16.4x2.6x
Thu, 15 May 2025US$473.4bUS$168.8bUS$29.4b10x16.1x2.8x
Sat, 12 Apr 2025US$387.4bUS$166.4bUS$29.4b9.3x13.2x2.3x
Mon, 10 Mar 2025US$429.0bUS$166.8bUS$29.4b11.1x14.6x2.6x
Wed, 05 Feb 2025US$487.8bUS$168.4bUS$28.7b12.8x17x2.9x
Fri, 03 Jan 2025US$454.7bUS$161.0bUS$26.8b11.3x17x2.8x
Sun, 01 Dec 2024US$477.1bUS$161.2bUS$26.4b12.8x18.1x3x
Tue, 29 Oct 2024US$407.8bUS$160.7bUS$26.1b10.2x15.6x2.5x
Thu, 26 Sep 2024US$390.7bUS$158.7bUS$25.7b9.8x15.2x2.5x
Sat, 24 Aug 2024US$378.4bUS$158.4bUS$25.7b11.8x14.8x2.4x
Mon, 22 Jul 2024US$383.2bUS$158.9bUS$26.6b9.8x14.4x2.4x
Wed, 19 Jun 2024US$356.0bUS$156.7bUS$25.1b9x14.2x2.3x
Fri, 17 May 2024US$373.5bUS$156.7bUS$25.3b9.6x14.8x2.4x
Sun, 14 Apr 2024US$351.4bUS$154.9bUS$24.4b10.2x14.4x2.3x
Tue, 12 Mar 2024US$327.9bUS$150.5bUS$22.7b9.9x14.4x2.2x
Thu, 08 Feb 2024US$308.8bUS$153.6bUS$22.9b8.5x13.5x2x
Sat, 06 Jan 2024US$295.1bUS$150.0bUS$23.2b8.8x12.7x2x
Mon, 04 Dec 2023US$269.3bUS$150.0bUS$23.1b8.2x11.6x1.8x
Wed, 01 Nov 2023US$231.4bUS$150.0bUS$23.2b7.5x10x1.5x
Fri, 29 Sep 2023US$241.5bUS$149.3bUS$23.0b7.7x10.5x1.6x
Sun, 27 Aug 2023US$251.5bUS$148.9bUS$23.1b7.9x10.9x1.7x
Tue, 25 Jul 2023US$282.0bUS$150.0bUS$23.8b8.3x11.8x1.9x
Thu, 22 Jun 2023US$273.8bUS$150.3bUS$24.6b7.3x11.1x1.8x
Price to Earnings Ratio

11.1x


Total Market Cap: US$273.8bTotal 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 16.5x202420252026
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 16.5x.
  • 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 Market0.50%
Financials2.79%
Consumer Finance3.28%
Consumer Finance3.28%
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$325.444.2%
+US$9.0b		10.6%PE20x
COF Capital One FinancialUS$184.732.4%
+US$1.5b		-6.5%PE44.1x
SYF Synchrony FinancialUS$73.364.0%
+US$945.2m		19.7%PE7x
ALLY Ally FinancialUS$44.374.7%
+US$610.0m		21.2%PE10.6x
ENVA Enova InternationalUS$189.3310.4%
+US$443.8m		97.2%PE14.5x

Latest News

BFH
US$101.71
Bread Financial Holdings
7D
11.3%
1Y
93.5%
SLM
US$22.38
SLM
7D
-0.04%
1Y
-29.7%
Seeking Alpha • Jun 14

Sallie Mae's Safest Borrowers Are Suddenly Defaulting

Summary Sallie Mae remains a hold as competitive pressures and delinquency trends cloud near-term earnings visibility despite dominant private student loan market share. SLM faces acute risk from refinancing firms acquiring delinquent loans at steep discounts, eroding recoveries, and requiring urgent operational changes. Projected 70% origination growth over four years could be a future catalyst, but benefits from public loan cap changes may take time to materialize. With a forward PE of 7x and valuation reset, SLM appears fairly valued given current uncertainties and lack of clear recovery strategy. Read the full article on Seeking Alpha
COF
US$184.73
Capital One Financial
7D
2.4%
1Y
-6.5%
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
OMF
US$56.71
OneMain Holdings
7D
4.9%
1Y
7.2%
Narrative Update • Jun 12

OMF: Future Returns Will Reflect Share Repurchases Despite Legal Overhang

Analysts have trimmed their average price targets on OneMain Holdings by a few dollars, citing recent estimate revisions, mixed price target moves and legal headlines that they say could weigh on near term sentiment. Their long term valuation framework, including fair value of $67.79 and an assumed P/E of 8.70x, remains broadly intact.
CACC
US$548.15
Credit Acceptance
7D
-2.6%
1Y
10.5%
UPST
US$30.50
Upstart Holdings
7D
-1.6%
1Y
-44.6%
ENVA
US$189.33
Enova International
7D
10.4%
1Y
97.2%
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
6.1%
1Y
32.4%
AXP
US$325.44
American Express
7D
4.2%
1Y
10.6%
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.
SYF
US$73.36
Synchrony Financial
7D
4.0%
1Y
19.7%
ALLY
US$44.37
Ally Financial
7D
4.7%
1Y
21.2%
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.
YRD
US$1.18
Yiren Digital
7D
-1.7%
1Y
-80.8%
VRM
US$7.22
Vroom
7D
-25.8%
1Y
-75.3%
LU
US$1.33
Lufax Holding
7D
-3.6%
1Y
-53.7%