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

U.S. Consumer Finance Industry Analysis

UpdatedJul 14, 2026
DataAggregated Company Financials
Companies55
  • 7D-1.8%
  • 3M5.9%
  • 1Y2.4%
  • YTD-9.0%

Over the last 7 days, the Consumer Finance industry has dropped 1.8%, driven by Capital One Financial declining 1.7%. As for the longer term, the industry's performance has been flat for the past year. Looking forward, 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
Tue, 14 Jul 2026US$522.1bUS$184.4bUS$27.7b8.8x18.8x2.8x
Thu, 11 Jun 2026US$476.5bUS$184.5bUS$27.9b8.1x17.1x2.6x
Sat, 09 May 2026US$487.6bUS$183.9bUS$28.1b10.1x17.3x2.7x
Mon, 06 Apr 2026US$454.1bUS$175.9bUS$25.5b8.1x17.8x2.6x
Wed, 04 Mar 2026US$474.6bUS$175.3bUS$26.2b8x18.1x2.7x
Fri, 30 Jan 2026US$546.6bUS$173.1bUS$25.5b8.5x21.4x3.2x
Sun, 28 Dec 2025US$593.9bUS$168.3bUS$24.4b10.1x24.3x3.5x
Tue, 25 Nov 2025US$527.4bUS$167.9bUS$24.2b10x21.8x3.1x
Thu, 23 Oct 2025US$547.9bUS$164.8bUS$23.4b10.5x23.4x3.3x
Sat, 20 Sep 2025US$561.3bUS$157.1bUS$21.3b10.9x26.4x3.6x
Mon, 18 Aug 2025US$505.6bUS$156.3bUS$21.1b10.1x23.9x3.2x
Wed, 16 Jul 2025US$461.9bUS$156.8bUS$25.0b9.5x18.5x2.9x
Fri, 13 Jun 2025US$423.2bUS$156.5bUS$24.9b8.8x17x2.7x
Sun, 11 May 2025US$446.6bUS$168.6bUS$29.3b9.1x15.2x2.6x
Tue, 08 Apr 2025US$368.1bUS$166.3bUS$29.4b9x12.5x2.2x
Thu, 06 Mar 2025US$444.4bUS$166.5bUS$29.3b11.1x15.2x2.7x
Sat, 01 Feb 2025US$497.2bUS$168.4bUS$28.7b12.6x17.3x3x
Mon, 30 Dec 2024US$461.1bUS$161.1bUS$26.8b11.5x17.2x2.9x
Wed, 27 Nov 2024US$473.9bUS$161.3bUS$26.5b12.9x17.9x2.9x
Fri, 25 Oct 2024US$406.9bUS$160.4bUS$26.1b10x15.6x2.5x
Sun, 22 Sep 2024US$396.8bUS$158.7bUS$25.7b9.8x15.5x2.5x
Tue, 20 Aug 2024US$381.8bUS$158.8bUS$25.9b12.1x14.7x2.4x
Thu, 18 Jul 2024US$395.6bUS$156.6bUS$25.1b10.2x15.8x2.5x
Sat, 15 Jun 2024US$350.8bUS$156.7bUS$25.2b8.8x13.9x2.2x
Mon, 13 May 2024US$372.3bUS$156.7bUS$25.3b10x14.7x2.4x
Wed, 10 Apr 2024US$360.0bUS$154.9bUS$24.4b10.8x14.7x2.3x
Fri, 08 Mar 2024US$329.0bUS$150.5bUS$22.7b9.5x14.5x2.2x
Sun, 04 Feb 2024US$311.0bUS$154.1bUS$22.5b8.7x13.8x2x
Tue, 02 Jan 2024US$300.1bUS$150.1bUS$23.2b8.9x12.9x2x
Thu, 30 Nov 2023US$254.3bUS$150.0bUS$23.1b7.7x11x1.7x
Sat, 28 Oct 2023US$225.0bUS$150.1bUS$23.4b7.3x9.6x1.5x
Mon, 25 Sep 2023US$244.1bUS$149.3bUS$23.0b7.4x10.6x1.6x
Wed, 23 Aug 2023US$251.6bUS$148.9bUS$23.1b7.6x10.9x1.7x
Fri, 21 Jul 2023US$286.7bUS$149.8bUS$24.2b7.8x11.8x1.9x
Price to Earnings Ratio

11.8x


Total Market Cap: US$286.7bTotal Earnings: US$24.2bTotal Revenue: US$149.8bTotal 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 18.8x 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 4.6% per year over the last three years.
  • Revenues for these companies have grown 7.2% 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 Market-0.93%
Financials-0.43%
Consumer Finance-1.77%
Consumer Finance-1.77%
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
PRG PROG HoldingsUS$44.633.2%
+US$55.3m		53.2%PE14.2x
ECPG Encore Capital GroupUS$90.911.6%
+US$30.0m		136.4%PE6.6x
JCAP Jefferson CapitalUS$18.871.7%
+US$17.7m		11.9%PE7.5x
HTT High Templar TechUS$2.743.4%
+US$14.0m		-20.8%PE4.1x
RM Regional ManagementUS$43.263.3%
+US$12.6m		32.7%PE8.2x

Latest News

ALLY
US$45.12
Ally Financial
7D
-2.4%
1Y
11.0%
SOFI
US$18.13
SoFi Technologies
7D
-2.6%
1Y
-15.0%
Narrative Update • Jul 12

SOFI: Bank Charter And Business Banking Expansion Will Drive Future Earnings Reassessment

SoFi Technologies' revised analyst fair value moves modestly lower to $30.00, reflecting recent shifts in Street price targets that range from higher expectations at $21, driven by a more favorable consumer fintech backdrop, to more cautious views around product launches like small business loans, where analysts see only limited near term financial contribution. Analyst Commentary Recent commentary on SoFi Technologies shows a mix of optimism around the broader consumer fintech backdrop and caution around the timing of new product contributions, particularly small business lending.
AXP
US$354.43
American Express
7D
-0.4%
1Y
10.4%
ATLC
US$96.61
Atlanticus Holdings
7D
0.8%
1Y
74.4%
Narrative Update • Jul 10

ATLC: AI Credit Platform And Buybacks Are Expected To Unlock Upside

Atlanticus Holdings' fair value estimate has been updated from $104.00 to $121.80. This reflects analysts' higher price targets that factor in expectations for stronger earnings power, continued balance sheet and revenue expansion, and potential benefits from healthy credit demand and AI-enabled operating leverage.
FIGR
US$29.74
Figure Technology Solutions
7D
-13.6%
1Y
n/a
Narrative Update • Jul 10

FIGR: Higher Margins And Kiavi Acquisition Will Support Future Upside

Figure Technology Solutions’ fair value estimate has been raised from $62.00 to $75.00 as analysts factor in higher projected profit margins, a slightly adjusted discount rate, and recent price target increases to $55 and $33. These moves reflect confidence in the company’s outlook despite mixed views on growth and expenses.
CACC
US$626.13
Credit Acceptance
7D
-4.7%
1Y
21.8%
Narrative Update • Jul 07

CACC: Higher Multiples And Softer Q1 Results Will Pressure Future Returns

Analysts have lifted their fair value estimate for Credit Acceptance from about $537 to roughly $562, citing updated assumptions on revenue growth, profit margins, discount rates, and future P/E that are in line with recent Street price target increases from TD Cowen and Stephens. Analyst Commentary Recent Street research on Credit Acceptance has centered on updated price targets, with bullish analysts adjusting their views as they revisit assumptions around revenue, margins, and valuation multiples.
PRG
US$44.63
PROG Holdings
7D
3.2%
1Y
53.2%
Narrative Update • Jul 07

PRG: Index Additions And Buyback Progress Will Shape Balanced Earnings Outlook

Analysts have raised their price target for PROG Holdings to $46.50, up from $43.29, citing updated assumptions around fair value, discount rates, revenue growth, profit margins, and a revised future P/E estimate. What’s in the News for PROG Holdings PROG Holdings, Inc.
SYF
US$73.21
Synchrony Financial
7D
-5.0%
1Y
3.3%
Narrative Update • Jul 07

SYF: Future Loan Mix And Credit Cycle Trends Will Shape Fair Value

The analyst fair value estimate for Synchrony Financial has moved from $77.00 to $80.00 as analysts incorporate higher published price targets, including recent raises from several firms alongside new Hold initiations that highlight expectations for steadier revenue growth, modestly better profit margins, a slightly lower discount rate, and a revised forward P/E assumption. Analyst Commentary Recent Street research on Synchrony Financial reflects a mixed backdrop, with several firms lifting price targets while others flagging areas where the stock's risk and reward look more finely balanced.
ECPG
US$90.91
Encore Capital Group
7D
1.6%
1Y
136.4%
NAVI
US$8.43
Navient
7D
0.5%
1Y
-44.0%
RM
US$43.26
Regional Management
7D
3.3%
1Y
32.7%
COF
US$203.02
Capital One Financial
7D
-1.7%
1Y
-8.1%
HTT
US$2.74
High Templar Tech
7D
3.4%
1Y
-20.8%
FCFS
US$214.62
FirstCash Holdings
7D
-4.3%
1Y
63.3%
GDOT
US$13.41
Green Dot
7D
1.1%
1Y
26.6%
Seeking Alpha • Jun 08

Green Dot: The Prepaid Card Era Is Over, A New Era Is Just Beginning

Summary Green Dot is transforming from a prepaid card provider to an embedded banking platform, targeting the rapidly expanding Banking-as-a-Service (BaaS) market. GDOT leverages its banking charter and APIs to enable partners to issue debit cards, manage accounts, and create branded digital banking experiences. Q1 2026 saw revenue rise 17% YoY to $656.2M and net income surge 109% YoY to $53.7M, with EPS beating estimates by $0.30. Despite strong financials, GDOT's stock remains undervalued, as Wall Street has yet to reward its growth and profitability. Read the full article on Seeking Alpha
JCAP
US$18.87
Jefferson Capital
7D
1.7%
1Y
11.9%
New Narrative • May 21

Elevated Consumer Delinquencies And Legal Collections Expansion Will Support Future Earnings Potential

Catalysts About Jefferson Capital Jefferson Capital acquires and services consumer debt portfolios across credit card, auto finance, insolvency and other non-mortgage asset classes in the U.S., Canada, the U.K. and Latin America. What are the underlying business or industry changes driving this perspective?