Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

U.S. Consumer Finance Industry Analysis

UpdatedOct 23, 2025
DataAggregated Company Financials
Companies57
  • 7D3.0%
  • 3M7.5%
  • 1Y32.5%
  • YTD18.9%

The Consumer Finance industry is up 3.0% in the last week, with American Express up 6.5%. In the same time, Figure Technology Solutions was down 15%. This means that the industry has gained 33% over the past year. As for the next few years, earnings are expected to grow by 24% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 23 Oct 2025US$547.9bUS$164.8bUS$23.4b10.5x23.4x3.3x
Sat, 20 Sep 2025US$561.3bUS$157.1bUS$21.3b10.9x26.4x3.6x
Mon, 18 Aug 2025US$505.6bUS$156.3bUS$21.1b10.1x23.9x3.2x
Wed, 16 Jul 2025US$461.9bUS$156.8bUS$25.0b9.5x18.5x2.9x
Fri, 13 Jun 2025US$423.2bUS$156.5bUS$24.9b8.8x17x2.7x
Sun, 11 May 2025US$446.6bUS$168.6bUS$29.3b9.1x15.2x2.6x
Tue, 08 Apr 2025US$368.1bUS$166.3bUS$29.4b9x12.5x2.2x
Thu, 06 Mar 2025US$444.4bUS$166.5bUS$29.3b11.1x15.2x2.7x
Sat, 01 Feb 2025US$497.2bUS$168.4bUS$28.7b12.6x17.3x3x
Mon, 30 Dec 2024US$461.1bUS$161.1bUS$26.8b11.5x17.2x2.9x
Wed, 27 Nov 2024US$473.9bUS$161.3bUS$26.5b12.9x17.9x2.9x
Fri, 25 Oct 2024US$406.9bUS$160.4bUS$26.1b10x15.6x2.5x
Sun, 22 Sep 2024US$396.8bUS$158.7bUS$25.7b9.8x15.5x2.5x
Tue, 20 Aug 2024US$381.8bUS$158.8bUS$25.9b12.1x14.7x2.4x
Thu, 18 Jul 2024US$395.6bUS$156.6bUS$25.1b10.2x15.8x2.5x
Sat, 15 Jun 2024US$350.8bUS$156.7bUS$25.2b8.8x13.9x2.2x
Mon, 13 May 2024US$372.3bUS$156.7bUS$25.3b10x14.7x2.4x
Wed, 10 Apr 2024US$360.0bUS$154.9bUS$24.4b10.8x14.7x2.3x
Fri, 08 Mar 2024US$329.0bUS$150.5bUS$22.7b9.5x14.5x2.2x
Sun, 04 Feb 2024US$311.0bUS$154.1bUS$22.5b8.7x13.8x2x
Tue, 02 Jan 2024US$300.1bUS$150.1bUS$23.2b8.9x12.9x2x
Thu, 30 Nov 2023US$254.3bUS$150.0bUS$23.1b7.7x11x1.7x
Sat, 28 Oct 2023US$225.0bUS$150.1bUS$23.4b7.3x9.6x1.5x
Mon, 25 Sep 2023US$244.1bUS$149.3bUS$23.0b7.4x10.6x1.6x
Wed, 23 Aug 2023US$251.6bUS$148.9bUS$23.1b7.6x10.9x1.7x
Fri, 21 Jul 2023US$286.7bUS$149.8bUS$24.2b7.8x11.8x1.9x
Sun, 18 Jun 2023US$278.6bUS$150.4bUS$24.6b7.3x11.3x1.9x
Tue, 16 May 2023US$238.5bUS$151.6bUS$25.2b6.1x9.5x1.6x
Thu, 13 Apr 2023US$252.0bUS$152.7bUS$28.3b5.1x8.9x1.7x
Sat, 11 Mar 2023US$259.1bUS$152.3bUS$28.9b5.3x9x1.7x
Mon, 06 Feb 2023US$298.5bUS$156.6bUS$29.5b6.2x10.1x1.9x
Wed, 04 Jan 2023US$242.9bUS$154.0bUS$31.8b4.4x7.6x1.6x
Fri, 02 Dec 2022US$259.9bUS$153.6bUS$32.0b4.7x8.1x1.7x
Sun, 30 Oct 2022US$256.3bUS$153.7bUS$33.2b4.9x7.7x1.7x
Price to Earnings Ratio

7.7x


Total Market Cap: US$256.3bTotal Earnings: US$33.2bTotal Revenue: US$153.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 14x202320242025
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 23.4x which is higher than its 3-year average PE of 14.0x.
  • The 3-year average PS ratio of 2.3x is lower than the industry's current PS ratio of 3.3x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 11% per year over the last three years.
  • Meanwhile revenues for these companies have grown 2.3% per year.
  • This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.

Industry Trends

Which industries have driven the changes within the U.S. Financials industry?

US Market-0.14%
Financials-1.44%
Consumer Finance2.96%
Consumer Finance2.96%
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$352.006.5%
+US$12.4b		29.8%PE23.3x
COF Capital One FinancialUS$220.382.5%
+US$2.5b		42.9%PE122.4x
ALLY Ally FinancialUS$40.602.3%
+US$277.8m		17.9%PE34.2x
SYF Synchrony FinancialUS$73.011.0%
+US$248.5m		32.7%PE7.5x
SLM SLMUS$27.002.7%
+US$145.9m		18.4%PE13.2x

Latest News

DFDV
US$13.73
DeFi Development
7D
-8.7%
1Y
2,261.7%
SLM
US$27.00
SLM
7D
2.7%
1Y
18.4%
COF
US$220.38
Capital One Financial
7D
2.5%
1Y
42.9%
UPST
US$50.38
Upstart Holdings
7D
-1.4%
1Y
1.3%
ALLY
US$40.60
Ally Financial
7D
2.3%
1Y
17.9%

Analyst Commentary Highlights Rising Price Targets and Improved Credit Outlook for Ally Financial

Analysts have raised their average price target for Ally Financial by approximately $0.59 to $47.71, citing improving credit trends and reduced downside risk as key factors in the revision. Analyst Commentary Recent analyst commentary on Ally Financial reflects a mix of optimism and caution, with attention focused on the company's evolving credit landscape and its implications for valuation and earnings growth.
FIGR
US$38.05
Figure Technology Solutions
7D
-14.7%
1Y
n/a
AXP
US$352.00
American Express
7D
6.5%
1Y
29.8%
SYF
US$73.01
Synchrony Financial
7D
1.0%
1Y
32.7%
OMF
US$55.85
OneMain Holdings
7D
1.4%
1Y
21.2%

Digitization Trends Will Reshape Consumer Lending And Debt Consolidation

OneMain Holdings' analyst price target has been revised downward from $65.21 to $64.21 per share. This change reflects analysts' concerns over consumer credit headwinds, despite improved lending models and recent performance updates.
EZPW
US$17.67
EZCORP
7D
-7.0%
1Y
53.0%
SOFI
US$27.19
SoFi Technologies
7D
-3.0%
1Y
160.9%

Digital Transformation In Banking And AI Will Yield Mixed Results

SoFi Technologies’ fair value estimate has increased from $21.28 to $22.08, as analysts point to improved credit performance, rising growth projections, and an enhanced outlook in light of the sector’s favorable interest rate trends. Analyst Commentary Recent research notes continue to reflect a dynamic outlook for SoFi Technologies, with both bullish and cautious perspectives influencing fair value estimates and market sentiment.
FCFS
US$154.72
FirstCash Holdings
7D
-3.4%
1Y
40.5%
XYF
US$12.45
X Financial
7D
-9.3%
1Y
85.0%

Here's Why We Think X Financial (NYSE:XYF) Is Well Worth Watching

Sep 27
Here's Why We Think X Financial (NYSE:XYF) Is Well Worth Watching
CACC
US$501.39
Credit Acceptance
7D
2.1%
1Y
5.6%
LX
US$5.55
LexinFintech Holdings
7D
10.8%
1Y
73.4%
LU
US$3.22
Lufax Holding
7D
-11.5%
1Y
11.4%