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U.S. Consumer Finance Industry Analysis

UpdatedApr 12, 2026
DataAggregated Company Financials
Companies53
  • 7D4.6%
  • 3M-15.0%
  • 1Y22.5%
  • YTD-17.8%

In the last week, the Consumer Finance industry is up 4.6%, with American Express up 4.4%. This means that the industry has gained 22% over the past year. Earnings are forecast to grow by 20% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 12 Apr 2026US$474.8bUS$175.9bUS$25.5b8.5x18.6x2.7x
Tue, 10 Mar 2026US$464.3bUS$176.1bUS$26.2b8x17.7x2.6x
Thu, 05 Feb 2026US$534.1bUS$175.1bUS$25.7b9.5x20.8x3x
Sat, 03 Jan 2026US$576.4bUS$168.3bUS$24.4b9.5x23.6x3.4x
Mon, 01 Dec 2025US$555.9bUS$168.1bUS$24.4b9.8x22.8x3.3x
Wed, 29 Oct 2025US$563.0bUS$165.3bUS$23.8b10.2x23.6x3.4x
Fri, 26 Sep 2025US$552.3bUS$157.0bUS$21.3b10.5x26x3.5x
Sun, 24 Aug 2025US$523.8bUS$156.6bUS$21.2b10.3x24.7x3.3x
Tue, 22 Jul 2025US$451.3bUS$158.3bUS$24.9b9.7x18.1x2.9x
Thu, 19 Jun 2025US$412.1bUS$156.4bUS$24.9b9.1x16.6x2.6x
Sat, 17 May 2025US$466.4bUS$169.3bUS$29.4b9.6x15.8x2.8x
Mon, 14 Apr 2025US$388.8bUS$166.4bUS$29.4b9.3x13.2x2.3x
Wed, 12 Mar 2025US$408.0bUS$166.8bUS$29.4b10.6x13.9x2.4x
Fri, 07 Feb 2025US$495.2bUS$168.5bUS$28.8b11.5x17.2x2.9x
Sun, 05 Jan 2025US$462.5bUS$161.0bUS$26.8b11.5x17.3x2.9x
Tue, 03 Dec 2024US$477.1bUS$161.1bUS$26.4b12.7x18.1x3x
Thu, 31 Oct 2024US$411.2bUS$160.9bUS$26.3b10.8x15.6x2.6x
Sat, 28 Sep 2024US$394.0bUS$158.7bUS$25.7b9.8x15.3x2.5x
Mon, 26 Aug 2024US$385.6bUS$158.4bUS$25.7b10.9x15x2.4x
Wed, 24 Jul 2024US$382.9bUS$159.2bUS$26.7b10.2x14.3x2.4x
Fri, 21 Jun 2024US$357.9bUS$156.6bUS$25.1b9x14.2x2.3x
Sun, 19 May 2024US$371.9bUS$156.7bUS$25.3b9.7x14.7x2.4x
Tue, 16 Apr 2024US$347.7bUS$154.9bUS$24.4b10.2x14.2x2.2x
Thu, 14 Mar 2024US$331.8bUS$150.6bUS$22.7b10x14.6x2.2x
Sat, 10 Feb 2024US$315.2bUS$153.7bUS$22.9b8.8x13.8x2.1x
Mon, 08 Jan 2024US$298.7bUS$150.0bUS$23.2b8.8x12.9x2x
Wed, 06 Dec 2023US$269.4bUS$150.0bUS$23.1b8.2x11.7x1.8x
Fri, 03 Nov 2023US$231.9bUS$150.0bUS$23.2b7.4x10x1.5x
Sun, 01 Oct 2023US$241.0bUS$149.3bUS$23.0b7.6x10.5x1.6x
Tue, 29 Aug 2023US$251.5bUS$148.9bUS$23.1b7.9x10.9x1.7x
Thu, 27 Jul 2023US$280.4bUS$150.0bUS$23.7b8.5x11.8x1.9x
Sat, 24 Jun 2023US$271.4bUS$150.3bUS$24.6b7.3x11x1.8x
Mon, 22 May 2023US$246.2bUS$151.4bUS$25.1b6.3x9.8x1.6x
Wed, 19 Apr 2023US$259.2bUS$152.7bUS$28.3b5.3x9.2x1.7x
Price to Earnings Ratio

9.2x


Total Market Cap: US$259.2bTotal Earnings: US$28.3bTotal Revenue: US$152.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16x202420252026
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 18.6x which is higher than its 3-year average PE of 16.0x.
  • 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 declined 3.4% per year over the last three years.
  • Meanwhile revenues for these companies have grown 4.8% 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 Market3.38%
Financials2.55%
Consumer Finance4.56%
Consumer Finance4.56%
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$313.504.4%
+US$9.1b		24.8%PE20.1x
COF Capital One FinancialUS$193.006.1%
+US$6.9b		19.9%PE65.8x
SYF Synchrony FinancialUS$72.415.8%
+US$1.4b		57.0%PE7.3x
CACC Credit AcceptanceUS$465.1511.7%
+US$522.8m		-5.7%PE11.8x
SOFI SoFi TechnologiesUS$16.222.3%
+US$471.8m		51.4%PE43x

Latest News

SLM
US$21.47
SLM
7D
-0.8%
1Y
-15.7%

SLM: Share Repurchases And Credit Stability Will Offset Persistent AI Risk Overhang

Analysts have trimmed the blended price target on SLM to about $29 as they factor in updated fair value assumptions, slightly lower profit margins and a modestly softer revenue outlook, while still keeping a relatively low future P/E in focus. Analyst Commentary Recent Street research on SLM clusters around a tighter valuation range, with most firms trimming price targets while reassessing growth, credit risk and the impact of AI on graduate outcomes.
NAVI
US$7.94
Navient
7D
-4.3%
1Y
-27.9%
COF
US$193.00
Capital One Financial
7D
6.1%
1Y
19.9%
BFH
US$78.98
Bread Financial Holdings
7D
8.2%
1Y
79.4%
FIGR
US$34.08
Figure Technology Solutions
7D
-1.2%
1Y
n/a

Figure Technology: Marketplace Keeps Expanding Aggressively

Apr 07
SYF
US$72.41
Synchrony Financial
7D
5.8%
1Y
57.0%

Synchrony Financial: Sell-Off Presents Great Entry Point For Shares (Upgrade)

Apr 06
CACC
US$465.15
Credit Acceptance
7D
11.7%
1Y
-5.7%

CACC: Evolving EPS Outlook And Mixed Sentiment Will Drive A Balanced Path

Analysts have trimmed their average price target on Credit Acceptance by about $6 to roughly $452. This reflects updated views on revenue growth, profitability and an outlook that now applies a higher future P/E multiple.
AXP
US$313.50
American Express
7D
4.4%
1Y
24.8%

AXP: Premium Margins And Rate Cap Threat Will Shape Forward P E

Analysts have made a modest upward adjustment to the American Express price target, with fair value moving by about $3 to $286.99 as they balance softer margin assumptions against slightly higher revenue growth expectations and a small uptick in the future P/E. Analyst Commentary Recent research on American Express reflects a split view, with some firms highlighting long term growth potential and others flagging risks around competition, regulation, and macro sensitivity.
ALLY
US$41.27
Ally Financial
7D
3.6%
1Y
29.8%

ALLY: Buybacks And ROTCE Progress Will Support A Future Re Rating Path

Analysts have nudged their average price target for Ally Financial slightly lower, trimming fair value to about $52.12 as they factor in more moderate revenue growth assumptions, marginally softer profit margins, a slightly lower discount rate, and a modestly reduced future P/E, reflecting recent mixed sector commentary and a series of fine tuned target changes across the consumer finance group. Analyst Commentary Recent research on Ally Financial reflects a mix of optimism around earnings power and capital return, alongside fresh caution tied to sector wide risks and policy headlines.
SOFI
US$16.22
SoFi Technologies
7D
2.3%
1Y
51.4%

SoFi: Market Panic Just Created An Amazing Entry Point

Apr 03
LX
US$2.21
LexinFintech Holdings
7D
-1.8%
1Y
-66.8%

LX: Dividend And Buybacks Will Support Future Upside Potential

Analysts have reduced their price target on LexinFintech Holdings from $3.58 to $2.60. They cite updated assumptions around discount rates, revenue trends, profit margins, and future P/E levels.
KPLT
US$7.19
Katapult Holdings
7D
-0.6%
1Y
-3.2%

KPLT: Steady Outlook Will Weigh Going Concern Risk Against Unchanged Expectations

Analysts kept their $6.75 price target for Katapult Holdings unchanged, reflecting a view that the current fair value, discount rate of 12.33% and key assumptions for revenue growth, profit margin and future P/E remain appropriate based on the latest information. What's in the News Katapult Holdings filed its 10-K on March 11, 2026 for the period ending December 31, 2025, providing updated audited financial statements and disclosures.
OMF
US$55.96
OneMain Holdings
7D
3.5%
1Y
29.7%

OMF: Future Returns Will Reflect 2026 Specialty Finance Tailwinds Despite Lawsuit Overhang

Analyst price targets for OneMain Holdings have edged lower overall. The model fair value estimate has moved from $72.14 to $70.71 as analysts factor in macro uncertainty, a new multi state lawsuit, and refreshed sector multiples, while still viewing the core business as stable.
JF
US$0.95
J and Friends Holdings
7D
-5.9%
1Y
3.0%