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U.S. Consumer Finance Industry Analysis

UpdatedJul 01, 2026
DataAggregated Company Financials
Companies56
  • 7D1.8%
  • 3M13.5%
  • 1Y2.2%
  • YTD-10.6%

Over the last 7 days, the Consumer Finance industry has risen 1.8%, driven by gains from Capital One Financial of 1.4%. The industry has been flat over the past 12 months despite the gain this week. 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
Wed, 01 Jul 2026US$517.7bUS$184.3bUS$27.7b8.8x18.7x2.8x
Fri, 29 May 2026US$480.1bUS$184.4bUS$27.9b9.9x17.2x2.6x
Sun, 26 Apr 2026US$487.7bUS$182.2bUS$27.4b9.5x17.8x2.7x
Tue, 24 Mar 2026US$451.0bUS$175.8bUS$25.7b8.1x17.6x2.6x
Thu, 19 Feb 2026US$513.0bUS$175.1bUS$25.7b8.5x19.9x2.9x
Sat, 17 Jan 2026US$568.0bUS$168.3bUS$24.4b9x23.3x3.4x
Mon, 15 Dec 2025US$585.7bUS$168.0bUS$24.3b9.5x24.1x3.5x
Wed, 12 Nov 2025US$558.1bUS$166.6bUS$24.2b10.4x23.1x3.3x
Fri, 10 Oct 2025US$527.8bUS$157.0bUS$21.3b10.4x24.8x3.4x
Sun, 07 Sep 2025US$536.8bUS$156.7bUS$21.2b10.5x25.3x3.4x
Tue, 05 Aug 2025US$483.5bUS$154.8bUS$20.6b9.4x23.5x3.1x
Thu, 03 Jul 2025US$455.1bUS$156.9bUS$25.0b9.7x18.2x2.9x
Sat, 31 May 2025US$408.7bUS$156.2bUS$24.9b8.9x16.4x2.6x
Mon, 28 Apr 2025US$424.1bUS$167.7bUS$29.1b10.1x14.6x2.5x
Wed, 26 Mar 2025US$440.6bUS$166.7bUS$29.5b11.5x14.9x2.6x
Fri, 21 Feb 2025US$495.9bUS$168.9bUS$29.0b12.7x17.1x2.9x
Sun, 19 Jan 2025US$479.2bUS$160.9bUS$26.8b11.9x17.9x3x
Tue, 17 Dec 2024US$470.2bUS$161.0bUS$26.4b12.1x17.8x2.9x
Thu, 14 Nov 2024US$453.9bUS$161.3bUS$26.4b12.3x17.2x2.8x
Sat, 12 Oct 2024US$402.5bUS$158.6bUS$25.7b10.1x15.7x2.5x
Mon, 09 Sep 2024US$372.1bUS$158.6bUS$25.7b10.3x14.5x2.3x
Wed, 07 Aug 2024US$348.7bUS$158.7bUS$25.9b10.2x13.5x2.2x
Fri, 05 Jul 2024US$368.3bUS$156.5bUS$25.1b9.2x14.7x2.4x
Sun, 02 Jun 2024US$367.4bUS$156.7bUS$25.3b9.5x14.5x2.3x
Tue, 30 Apr 2024US$368.0bUS$156.5bUS$25.1b10.9x14.7x2.4x
Thu, 28 Mar 2024US$363.7bUS$154.9bUS$24.4b11x14.9x2.3x
Sat, 24 Feb 2024US$321.2bUS$153.6bUS$22.6b9x14.2x2.1x
Mon, 22 Jan 2024US$286.9bUS$152.2bUS$22.3b8.5x12.8x1.9x
Wed, 20 Dec 2023US$298.0bUS$150.0bUS$23.2b9x12.8x2x
Fri, 17 Nov 2023US$244.7bUS$149.4bUS$23.0b7.2x10.6x1.6x
Sun, 15 Oct 2023US$239.2bUS$149.1bUS$23.1b7.3x10.3x1.6x
Tue, 12 Sep 2023US$251.9bUS$149.3bUS$23.0b7.9x10.9x1.7x
Thu, 10 Aug 2023US$270.6bUS$149.9bUS$23.4b8.2x11.6x1.8x
Sat, 08 Jul 2023US$275.5bUS$150.1bUS$24.8b7.4x11.1x1.8x
Price to Earnings Ratio

11.1x


Total Market Cap: US$275.5bTotal Earnings: US$24.8bTotal Revenue: US$150.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.6x202420252026
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 18.7x which is higher than its 3-year average PE of 16.6x.
  • The 3-year average PS ratio of 2.6x is lower than the industry's current PS ratio of 2.8x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 3.8% 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 Market1.92%
Financials-0.16%
Consumer Finance1.80%
Consumer Finance1.80%
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$200.621.4%
+US$1.7b		-6.8%PE47.9x
SOFI SoFi TechnologiesUS$17.933.7%
+US$821.0m		1.6%PE39.9x
ENVA Enova InternationalUS$240.7314.1%
+US$741.9m		113.1%PE18.4x
DAVE DaveUS$372.5917.2%
+US$694.5m		42.9%PE21.1x
FIGR Figure Technology SolutionsUS$30.719.8%
+US$603.6m		n/aPE63x

Latest News

SLM
US$25.94
SLM
7D
11.6%
1Y
-22.2%
SOFI
US$17.93
SoFi Technologies
7D
3.7%
1Y
1.6%
DAVE
US$372.59
Dave
7D
17.2%
1Y
42.9%
ENVA
US$240.73
Enova International
7D
14.1%
1Y
113.1%
VRM
US$7.70
Vroom
7D
-10.2%
1Y
-73.0%
COF
US$200.62
Capital One Financial
7D
1.4%
1Y
-6.8%
CACC
US$636.74
Credit Acceptance
7D
7.9%
1Y
20.3%
KSPI
US$86.64
Kaspi.kz
7D
3.8%
1Y
2.6%
FIGR
US$30.71
Figure Technology Solutions
7D
9.8%
1Y
n/a
Narrative Update • Jun 26

FIGR: Rising Confidence In Q2 Outlook Will Drive Future Repricing

The analyst price target for Figure Technology Solutions has increased from $49.88 to $55.14. Analysts cite a stronger Q2 outlook, recent revenue performance, and updated assumptions for revenue growth, profit margins, and future P/E as key drivers of this change.
YRD
US$0.84
Yiren Digital
7D
-23.3%
1Y
-86.1%
ANTA
US$5.00
Antalpha Platform Holding
7D
-16.7%
1Y
-55.6%
HTT
US$2.56
High Templar Tech
7D
-17.2%
1Y
-15.5%
LX
US$1.97
LexinFintech Holdings
7D
-1.5%
1Y
-72.1%
Narrative Update • Jun 25

LX: Completed Share Buybacks Will Support Future Dividend-Driven Upside Potential

Analysts have trimmed their price target for LexinFintech Holdings to $2.30 from $2.60, citing updates to fair value estimates, discount rate assumptions, revenue growth expectations, profit margin outlook, and future P/E levels. What's in the News for LexinFintech Holdings LexinFintech Holdings reported that from January 1, 2026 to May 26, 2026, it repurchased 0 shares for US$0 million under its existing share buyback program.
FCFS
US$216.32
FirstCash Holdings
7D
-3.2%
1Y
59.6%
FINV
US$4.79
FinVolution Group
7D
-0.6%
1Y
-48.0%
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?
MATH
US$0.96
Metalpha Technology Holding
7D
-6.3%
1Y
-69.9%