Investing IdeasBrowse All StocksMarkets

Have your own idea? Try our Stock Screener

Header cover image

U.S. Consumer Finance Industry Analysis

UpdatedMay 08, 2025
DataAggregated Company Financials
Companies54
  • 7D3.2%
  • 3M-11.7%
  • 1Y20.7%
  • YTD-3.5%

In the last week, the Consumer Finance industry is up 1.9%, with American Express up 3.7%. In the same time, PRA Group was down 27%. This means that the industry has gained 20% over the past year. Earnings are forecast to grow by 13% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 08 May 2025US$435.6bUS$168.5bUS$29.3b9.3x14.9x2.6x
Sat, 05 Apr 2025US$395.4bUS$166.4bUS$29.4b9.6x13.4x2.4x
Mon, 03 Mar 2025US$474.3bUS$166.4bUS$29.3b11x16.2x2.8x
Wed, 29 Jan 2025US$492.7bUS$167.9bUS$28.4b12.3x17.4x2.9x
Fri, 27 Dec 2024US$464.7bUS$161.1bUS$26.8b11.6x17.3x2.9x
Sun, 24 Nov 2024US$466.5bUS$161.3bUS$26.5b12.4x17.6x2.9x
Tue, 22 Oct 2024US$417.0bUS$162.6bUS$27.3b9.6x15.3x2.6x
Thu, 19 Sep 2024US$393.8bUS$158.6bUS$25.7b10.8x15.3x2.5x
Sat, 17 Aug 2024US$377.5bUS$158.8bUS$25.9b11.9x14.6x2.4x
Mon, 15 Jul 2024US$374.1bUS$156.6bUS$25.1b9.5x14.9x2.4x
Wed, 12 Jun 2024US$361.4bUS$156.7bUS$25.2b9.1x14.3x2.3x
Fri, 10 May 2024US$366.9bUS$156.6bUS$25.2b10x14.5x2.3x
Sun, 07 Apr 2024US$358.6bUS$154.9bUS$24.4b10.7x14.7x2.3x
Tue, 05 Mar 2024US$325.2bUS$150.5bUS$22.6b9.4x14.4x2.2x
Thu, 01 Feb 2024US$312.4bUS$154.1bUS$22.5b8.7x13.9x2x
Sat, 30 Dec 2023US$301.9bUS$150.1bUS$23.2b8.9x13x2x
Mon, 27 Nov 2023US$251.0bUS$150.0bUS$23.1b7.6x10.9x1.7x
Wed, 25 Oct 2023US$226.5bUS$150.0bUS$23.4b6.9x9.7x1.5x
Fri, 22 Sep 2023US$246.3bUS$149.3bUS$23.0b7.5x10.7x1.6x
Sun, 20 Aug 2023US$256.9bUS$149.7bUS$23.3b7.8x11x1.7x
Tue, 18 Jul 2023US$285.0bUS$150.2bUS$24.8b7.6x11.5x1.9x
Thu, 15 Jun 2023US$283.2bUS$150.3bUS$24.6b7.4x11.5x1.9x
Sat, 13 May 2023US$233.8bUS$151.5bUS$25.2b5.9x9.3x1.5x
Mon, 10 Apr 2023US$249.3bUS$152.7bUS$28.3b5.1x8.8x1.6x
Wed, 08 Mar 2023US$278.0bUS$152.5bUS$28.9b5.7x9.6x1.8x
Fri, 03 Feb 2023US$296.1bUS$156.9bUS$29.8b5.9x9.9x1.9x
Sun, 01 Jan 2023US$243.4bUS$154.0bUS$31.9b4.4x7.6x1.6x
Tue, 29 Nov 2022US$252.7bUS$153.2bUS$32.0b4.6x7.9x1.6x
Thu, 27 Oct 2022US$248.9bUS$155.1bUS$34.7b4.2x7.2x1.6x
Sat, 24 Sep 2022US$240.5bUS$155.2bUS$35.7b3.9x6.7x1.5x
Mon, 22 Aug 2022US$281.5bUS$156.0bUS$35.7b4.6x7.9x1.8x
Wed, 20 Jul 2022US$264.9bUS$152.4bUS$39.1b5.8x6.8x1.7x
Fri, 17 Jun 2022US$252.7bUS$152.5bUS$39.1b5.5x6.5x1.7x
Sun, 15 May 2022US$288.5bUS$151.6bUS$39.3b6.3x7.3x1.9x
Price to Earnings Ratio

7.3x


Total Market Cap: US$288.5bTotal Earnings: US$39.3bTotal Revenue: US$151.6bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 11.9x202320242025
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 15.1x which is higher than its 3-year average PE of 11.9x.
  • The 3-year average PS ratio of 2.1x is lower than the industry's current PS ratio of 2.6x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 9.4% per year over the last three years.
  • Meanwhile revenues for these companies have grown 3.5% 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 Market1.22%
Financials1.50%
Consumer Finance3.19%
Consumer Finance3.19%
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$276.243.7%
+US$6.9b		16.9%PE19.1x
COF Capital One FinancialUS$186.553.5%
+US$2.4b		30.6%PE15.6x
DFS Discover Financial ServicesUS$189.163.6%
+US$1.6b		53.1%PE10.1x
SYF Synchrony FinancialUS$53.773.5%
+US$692.8m		17.9%PE7.1x
SOFI SoFi TechnologiesUS$13.014.0%
+US$568.4m		84.5%PE30.4x
Simply Wall St™
Simply Wall Street Pty Ltd
Level 7, 320 Pitt Street, Sydney
Download on the App StoreGet it on Google Play
Popular Markets
USAUUKINCAZA
About UsCareersPlans & PricingLogin
Help CenterLatest CoveragePodcastsAffiliate ProgramBusiness & EnterpriseWhat's New
Financial Services GuideTerms and ConditionsPrivacy Policy
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.

Latest News

UPST

US$46.44

Upstart Holdings

7D

-2.8%

1Y

101.0%

QFIN

US$42.64

Qifu Technology

7D

3.9%

1Y

114.2%

PRAA

US$13.28

PRA Group

7D

-27.4%

1Y

-47.5%

SOFI

US$13.01

SoFi Technologies

7D

4.0%

1Y

84.5%

AXP

US$276.24

American Express

7D

3.7%

1Y

16.9%

TREE

US$37.53

LendingTree

7D

-27.3%

1Y

-21.5%

author-image

Cost Control And Relaxed Regulations Will Revive Insurance And Home

May 04 Regulatory relief in Insurance is expected to improve customer experience and support revenue and EBITDA growth.

RM

US$28.68

Regional Management

7D

-12.9%

1Y

-3.5%

EZPW

US$14.66

EZCORP

7D

-10.4%

1Y

41.8%

SYF

US$53.77

Synchrony Financial

7D

3.5%

1Y

17.9%

XYF

US$12.85

X Financial

7D

-8.1%

1Y

227.8%

DFS

US$189.16

Discover Financial Services

7D

3.6%

1Y

53.1%

COF

US$186.55

Capital One Financial

7D

3.5%

1Y

30.6%

SLM

US$31.52

SLM

7D

9.0%

1Y

44.9%

ALLY

US$32.51

Ally Financial

7D

-0.5%

1Y

-17.7%

Ally Financial: It's Fairly Valued But Beware Of Tariffs And Technical Risks

Apr 25

LU

US$2.76

Lufax Holding

7D

-4.8%

1Y

-38.7%

Lufax Holding: Well Poised For A New Economic Era Proposed By China

Apr 25

KSPI

US$90.86

Kaspi.kz

7D

3.4%

1Y

-23.2%