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U.S. Consumer Finance Industry Analysis

UpdatedJun 22, 2026
DataAggregated Company Financials
Companies56
  • 7D4.9%
  • 3M11.4%
  • 1Y9.4%
  • YTD-11.7%

The Consumer Finance industry is up 4.9% in the last week, with Capital One Financial up 9.1%. Meanwhile, FinVolution Group actually underperformed within the industry, shrinking 7.2% in the last week. This takes the industry's 12 month performance to a gain of 9.4%. 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
Mon, 22 Jun 2026US$507.8bUS$184.5bUS$27.9b8.4x18.2x2.8x
Wed, 20 May 2026US$475.8bUS$184.8bUS$28.1b9.4x16.9x2.6x
Fri, 17 Apr 2026US$501.3bUS$176.0bUS$25.5b9x19.6x2.8x
Sun, 15 Mar 2026US$452.7bUS$175.8bUS$26.1b7.8x17.3x2.6x
Tue, 10 Feb 2026US$540.3bUS$175.6bUS$25.8b8.4x20.9x3.1x
Thu, 08 Jan 2026US$606.2bUS$168.3bUS$24.4b9.9x24.9x3.6x
Sat, 06 Dec 2025US$570.1bUS$168.2bUS$24.4b10.3x23.4x3.4x
Mon, 03 Nov 2025US$553.1bUS$165.9bUS$24.3b10.4x22.8x3.3x
Wed, 01 Oct 2025US$548.0bUS$157.0bUS$21.3b10.1x25.8x3.5x
Fri, 29 Aug 2025US$529.5bUS$156.7bUS$21.2b10.5x24.9x3.4x
Sun, 27 Jul 2025US$504.0bUS$154.1bUS$20.2b9.9x24.9x3.3x
Tue, 24 Jun 2025US$422.4bUS$156.3bUS$24.8b8.9x17x2.7x
Thu, 22 May 2025US$412.7bUS$156.2bUS$24.9b9.5x16.6x2.6x
Sat, 19 Apr 2025US$391.7bUS$167.0bUS$29.2b9.5x13.4x2.3x
Mon, 17 Mar 2025US$420.0bUS$166.7bUS$29.3b11x14.3x2.5x
Wed, 12 Feb 2025US$484.1bUS$168.5bUS$28.8b11.3x16.8x2.9x
Fri, 10 Jan 2025US$459.2bUS$161.0bUS$26.8b11.4x17.2x2.9x
Sun, 08 Dec 2024US$473.3bUS$161.2bUS$26.4b12.5x17.9x2.9x
Tue, 05 Nov 2024US$413.5bUS$161.4bUS$26.4b11.3x15.7x2.6x
Thu, 03 Oct 2024US$400.1bUS$158.7bUS$25.7b9.8x15.6x2.5x
Sat, 31 Aug 2024US$395.4bUS$158.6bUS$25.6b11.2x15.4x2.5x
Mon, 29 Jul 2024US$387.6bUS$158.5bUS$26.0b9.4x14.9x2.4x
Wed, 26 Jun 2024US$361.6bUS$156.6bUS$25.1b8.9x14.4x2.3x
Fri, 24 May 2024US$366.7bUS$156.7bUS$25.3b9.3x14.5x2.3x
Sun, 21 Apr 2024US$360.1bUS$156.2bUS$24.2b10.7x14.9x2.3x
Tue, 19 Mar 2024US$325.8bUS$150.6bUS$22.7b9.6x14.4x2.2x
Thu, 15 Feb 2024US$312.3bUS$153.6bUS$22.9b9.1x13.7x2x
Sat, 13 Jan 2024US$288.9bUS$149.9bUS$23.2b8.7x12.5x1.9x
Mon, 11 Dec 2023US$270.4bUS$149.9bUS$23.1b8.3x11.7x1.8x
Wed, 08 Nov 2023US$243.5bUS$150.0bUS$23.1b7.5x10.5x1.6x
Fri, 06 Oct 2023US$234.3bUS$149.1bUS$23.1b7.3x10.1x1.6x
Sun, 03 Sep 2023US$257.9bUS$149.4bUS$23.0b8.1x11.2x1.7x
Tue, 01 Aug 2023US$284.9bUS$150.0bUS$23.6b8.7x12.1x1.9x
Thu, 29 Jun 2023US$276.9bUS$150.1bUS$24.6b7.4x11.2x1.8x
Price to Earnings Ratio

11.2x


Total Market Cap: US$276.9bTotal Earnings: US$24.6bTotal Revenue: US$150.1bTotal 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 18.2x which is higher than its 3-year average PE 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 Market1.40%
Financials0.51%
Consumer Finance4.92%
Consumer Finance4.92%
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
COF Capital One FinancialUS$201.533.6%
+US$4.3b		-0.05%PE48.1x
AXP American ExpressUS$338.000.8%
+US$1.8b		12.8%PE20.8x
SOFI SoFi TechnologiesUS$17.914.6%
+US$1.0b		16.6%PE39.8x
ENVA Enova InternationalUS$202.557.1%
+US$334.0m		103.0%PE15.5x
SYF Synchrony FinancialUS$75.260.9%
+US$218.6m		19.0%PE7.2x

Latest News

COF
US$201.53
Capital One Financial
7D
3.6%
1Y
-0.05%
UPST
US$32.43
Upstart Holdings
7D
6.3%
1Y
-44.1%
Seeking Alpha • 3h

Upstart: Improving Investment Setup At A 10x P/E

Summary Upstart remains a 'Strong Buy' as I expect a multi-year EBITDA upswing driven by AI-powered loan origination and eventual Fed rate cuts. UPST's Q1 transaction volumes surged 61% year-over-year to $3.4B, fueling a 44% Y/Y revenue increase and highlighting robust platform scale. Despite delayed Fed rate cuts, UPST trades at a 44% discount to Fintech peers and a 54% discount to its 3-year average P/E, offering significant revaluation potential if rates fall. I see fair value at a 20X P/E, implying 111% upside, assuming EBITDA growth and expansion of auto and HELOCs as key catalysts. Read the full article on Seeking Alpha
AXP
US$338.00
American Express
7D
0.8%
1Y
12.8%
EZPW
US$31.72
EZCORP
7D
-1.6%
1Y
140.7%
Analysis Article • Jun 21

EZCORP (EZPW) Stock Could Be 19.9% Undervalued After Strong Quarterly Results

EZCORP (EZPW) is back in focus after reporting quarterly results, with revenue and earnings per share well above the prior year, supported by record pawn loan activity, firm core pawn demand, and elevated gold prices. See our latest analysis for EZCORP. EZCORP’s latest results come after a period of strong market interest, with the share price up 22.38% over 90 days and a 58.13% year to date share price return. The 1 year total shareholder return of 139.40% and 5 year total shareholder return...
SOFI
US$17.91
SoFi Technologies
7D
4.6%
1Y
16.6%
Analysis Article • Jun 20

SoFi Technologies (SOFI) Stock Could Be 28% Overvalued After Its SpaceX IPO Access Win

SoFi Technologies (SOFI) is back in focus after being named one of only five brokerages giving retail investors access to the SpaceX IPO, a high profile deal that spotlights its investing platform. See our latest analysis for SoFi Technologies. The recent SpaceX IPO allocation arrives during a sharp rebound in SoFi Technologies’ stock, with a 14.44% 1 month share price return and 116.30% 3 year total shareholder return, even after a year to date decline of 34.78%. If high profile deals like...
KSPI
US$82.21
Kaspi.kz
7D
-1.2%
1Y
3.1%
QFIN
US$15.21
Qfin Holdings
7D
-1.2%
1Y
-64.5%
Analysis Article • Jun 19

Qfin Holdings (QFIN) Stock Could Be 29.9% Undervalued After Mixed Quarterly Results

Why Qfin Holdings' latest quarter matters for investors Qfin Holdings (QFIN) has just reported a mixed quarter that turned attention to its changing user mix, tighter risk controls, and outlook for non-GAAP earnings in a tougher retail credit market. The company highlighted improvements in risk indicators and operational efficiency, but also flagged ongoing macro uncertainty and rising regulatory pressure, guiding investors to expect a sizeable year-on-year decline in non-GAAP net income for...
FIGR
US$28.55
Figure Technology Solutions
7D
-1.5%
1Y
n/a
OMF
US$58.18
OneMain Holdings
7D
2.6%
1Y
7.5%
Analysis Article • Jun 17

OneMain Holdings (OMF) Stock Could Be 15% Undervalued on Its Digital Lending Narrative

OneMain Holdings (OMF) stock has drawn fresh attention after recent trading, with the share price last closing at $57.77. Investors are weighing this level against the company’s current valuation metrics and recent return profile. See our latest analysis for OneMain Holdings. Recent trading in OneMain Holdings reflects a rebound in momentum, with a 30-day share price return of 7.94% and a 90-day share price return of 15.61%, even though the year to date share price return has declined 16.36%...
FINV
US$4.67
FinVolution Group
7D
-7.2%
1Y
-49.5%
New Narrative • Jun 17

FinVolution Stock Will Rely On Overseas Expansion And AI To Transform Future Earnings

Catalysts About FinVolution Group FinVolution Group operates a technology driven consumer finance platform serving borrowers in China and several overseas markets. What are the underlying business or industry changes driving this perspective?
ENVA
US$202.55
Enova International
7D
7.1%
1Y
103.0%
Narrative Update • Jun 17

ENVA: Future Returns Will Rely On Banking Synergies And EPS Accretion

Enova International's analyst price targets have risen by a double-digit dollar amount. The latest round of $9 to $25 upward revisions is supported by analysts citing updated valuation work and company-specific factors reflected in the new fair value and P/E assumptions.
SYF
US$75.26
Synchrony Financial
7D
0.9%
1Y
19.0%
Narrative Update • Jun 16

SYF: Capital Returns And New Partnerships Will Support Future Stock Repricing

Synchrony Financial's analyst price target is now set at $103.00, with analysts citing a modestly lower discount rate, slightly higher modeled revenue growth, and a small change in future P/E assumptions, partly balanced by a more conservative profit margin outlook and mixed recent research views, including new Hold ratings and several price target revisions across the Street. Analyst Commentary Recent research on Synchrony Financial highlights a mix of caution and optimism, with several bullish analysts adjusting price targets and focusing on execution around loan growth, credit performance, and earnings power.
FCFS
US$227.05
FirstCash Holdings
7D
1.5%
1Y
74.5%
LX
US$2.00
LexinFintech Holdings
7D
-5.7%
1Y
-71.1%
Narrative Update • Jun 10

LX: Share Repurchases And Dividend Policy Will Support Future Upside Potential

Analysts have trimmed their price target for LexinFintech Holdings to $3.50 from $4.07 as they now factor in lower revenue expectations, a reduced profit margin outlook, and a slightly higher future P/E multiple, partly offset by a lower discount rate in their updated models. What's in the News LexinFintech Holdings reported that from October 1, 2025 to December 31, 2025, it repurchased 4,700,000 shares for US$14 million, completing a total buyback of 9,600,000 shares for US$39 million under the program announced on July 21, 2025.
LU
US$1.25
Lufax Holding
7D
-6.0%
1Y
-55.2%
PRAA
US$14.94
PRA Group
7D
-4.8%
1Y
1.8%