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

U.S. Consumer Finance Industry Analysis

UpdatedOct 03, 2025
DataAggregated Company Financials
Companies56
  • 7D-3.5%
  • 3M-0.3%
  • 1Y32.2%
  • YTD14.6%

Over the last 7 days, the Consumer Finance industry has dropped 3.5%, driven by American Express declining 2.9%. In contrast, Lufax Holding has gained 27%. Over the past 12 months, the industry was up 32%. Looking forward, earnings are forecast to grow by 25% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 03 Oct 2025US$527.0bUS$157.0bUS$21.3b10.1x24.8x3.4x
Sun, 31 Aug 2025US$538.8bUS$156.7bUS$21.2b10.5x25.4x3.4x
Tue, 29 Jul 2025US$504.0bUS$154.2bUS$20.3b9.9x24.8x3.3x
Thu, 26 Jun 2025US$435.3bUS$156.9bUS$25.0b9.1x17.4x2.8x
Sat, 24 May 2025US$400.5bUS$156.2bUS$24.9b8.2x16.1x2.6x
Mon, 21 Apr 2025US$391.1bUS$166.9bUS$29.2b9.5x13.4x2.3x
Wed, 19 Mar 2025US$415.6bUS$166.7bUS$29.5b11x14.1x2.5x
Fri, 14 Feb 2025US$480.5bUS$168.7bUS$28.9b11.4x16.6x2.8x
Sun, 12 Jan 2025US$445.2bUS$161.0bUS$26.8b11.1x16.6x2.8x
Tue, 10 Dec 2024US$473.3bUS$161.2bUS$26.4b12.3x17.9x2.9x
Thu, 07 Nov 2024US$420.1bUS$161.2bUS$26.4b12.4x15.9x2.6x
Sat, 05 Oct 2024US$394.9bUS$158.6bUS$25.7b10x15.4x2.5x
Mon, 02 Sep 2024US$396.5bUS$158.6bUS$25.6b11.2x15.5x2.5x
Wed, 31 Jul 2024US$388.5bUS$158.5bUS$26.0b9.4x15x2.5x
Fri, 28 Jun 2024US$360.4bUS$156.6bUS$25.1b8.9x14.4x2.3x
Sun, 26 May 2024US$364.7bUS$156.8bUS$25.3b9.4x14.4x2.3x
Tue, 23 Apr 2024US$360.2bUS$156.1bUS$24.2b10.7x14.9x2.3x
Thu, 21 Mar 2024US$327.0bUS$150.5bUS$22.6b10.5x14.5x2.2x
Sat, 17 Feb 2024US$318.6bUS$153.6bUS$22.8b8.8x14x2.1x
Mon, 15 Jan 2024US$288.9bUS$149.9bUS$23.2b8.7x12.5x1.9x
Wed, 13 Dec 2023US$273.2bUS$149.9bUS$23.2b8.2x11.8x1.8x
Fri, 10 Nov 2023US$241.1bUS$150.0bUS$23.2b7.4x10.4x1.6x
Sun, 08 Oct 2023US$237.9bUS$149.1bUS$23.1b7.4x10.3x1.6x
Tue, 05 Sep 2023US$257.9bUS$149.4bUS$23.0b8.1x11.2x1.7x
Thu, 03 Aug 2023US$277.0bUS$149.8bUS$23.5b8.5x11.8x1.8x
Sat, 01 Jul 2023US$279.7bUS$150.1bUS$24.6b7.4x11.4x1.9x
Mon, 29 May 2023US$252.2bUS$150.4bUS$24.5b6.4x10.3x1.7x
Wed, 26 Apr 2023US$248.3bUS$153.3bUS$27.1b5.3x9.2x1.6x
Fri, 24 Mar 2023US$247.4bUS$151.1bUS$28.3b4.9x8.8x1.6x
Sun, 19 Feb 2023US$286.1bUS$156.1bUS$29.2b6x9.8x1.8x
Tue, 17 Jan 2023US$262.4bUS$154.5bUS$31.9b4.8x8.2x1.7x
Thu, 15 Dec 2022US$253.6bUS$153.9bUS$31.7b4.5x8x1.6x
Sat, 12 Nov 2022US$270.4bUS$154.0bUS$32.6b5.2x8.3x1.8x
Mon, 10 Oct 2022US$237.5bUS$155.3bUS$35.7b4x6.7x1.5x
Price to Earnings Ratio

6.7x


Total Market Cap: US$237.5bTotal Earnings: US$35.7bTotal Revenue: US$155.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 13.7x202320242025
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 24.8x which is higher than its 3-year average PE of 13.7x.
  • The 3-year average PS ratio of 2.2x is lower than the industry's current PS ratio of 3.4x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 16% per year over the last three years.
  • Meanwhile revenues have remained mostly flat.
  • This means that although sales have remained flat, 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 Market1.62%
Financials-0.59%
Consumer Finance-3.47%
Consumer Finance-3.47%
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
LU Lufax HoldingUS$4.3627.5%
+US$814.7m		10.4%PS0.8x
FIGR Figure Technology SolutionsUS$41.282.4%
+US$224.9m		n/aPE157.8x
NNI NelnetUS$131.404.2%
+US$192.4m		18.0%PE14.4x
CACC Credit AcceptanceUS$480.193.0%
+US$155.0m		10.9%PE12.7x
JCAP Jefferson CapitalUS$18.227.2%
+US$71.1m		n/aPE6x

Latest News

AXP
US$330.48
American Express
7D
-2.9%
1Y
23.0%
UPST
US$52.88
Upstart Holdings
7D
-7.1%
1Y
35.8%
SOFI
US$25.97
SoFi Technologies
7D
-7.6%
1Y
231.7%
SYF
US$70.28
Synchrony Financial
7D
-5.4%
1Y
41.8%
COF
US$213.78
Capital One Financial
7D
-3.9%
1Y
47.2%
YRD
US$6.59
Yiren Digital
7D
9.8%
1Y
-12.6%
DFDV
US$16.22
DeFi Development
7D
8.6%
1Y
2,425.4%
ALLY
US$38.85
Ally Financial
7D
-4.8%
1Y
12.7%
FIGR
US$41.28
Figure Technology Solutions
7D
2.4%
1Y
n/a
CACC
US$480.19
Credit Acceptance
7D
3.0%
1Y
10.9%
NNI
US$131.40
Nelnet
7D
4.2%
1Y
18.0%
JCAP
US$18.22
Jefferson Capital
7D
7.2%
1Y
n/a

Jefferson Capital: Strong Buy In A Growing NPL Market

Sep 05
KSPI
US$79.08
Kaspi.kz
7D
-5.9%
1Y
-25.5%

Kazakhstan And Turkey Markets Will Unlock Digital Opportunity

Kaspi.kz’s valuation outlook has shifted as analysts significantly lowered both future P/E and revenue growth expectations, yet the consensus price target only edged up slightly from $111.07 to $112.84. What's in the News Kaspi.kz and Alipay+ have enabled international cross-border QR payments in Kazakhstan, allowing users of 12 Alipay+-enabled apps to pay via Kaspi QR at a wide range of merchants.
LU
US$4.36
Lufax Holding
7D
27.5%
1Y
10.4%
JFIN
US$11.39
Jiayin Group
7D
6.3%
1Y
40.3%

Market Cool On Jiayin Group Inc.'s (NASDAQ:JFIN) Earnings Pushing Shares 30% Lower

Aug 12
Market Cool On Jiayin Group Inc.'s (NASDAQ:JFIN) Earnings Pushing Shares 30% Lower
OMF
US$56.39
OneMain Holdings
7D
-4.1%
1Y
24.4%