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U.S. Consumer Finance Industry Analysis

UpdatedJul 25, 2026
DataAggregated Company Financials
Companies55
  • 7D-5.6%
  • 3M2.6%
  • 1Y-0.05%
  • YTD-13.4%

Over the last 7 days, the Consumer Finance industry has dropped 5.6%, driven by a pullback from American Express of 8.2%. In contrast, Bread Financial Holdings has gained 5.0%. As for the longer term, the industry's performance has been flat for the past year. Looking forward, earnings are forecast to grow by 12% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 25 Jul 2026US$504.8bUS$196.9bUS$35.0b8.6x14.4x2.6x
Mon, 22 Jun 2026US$507.8bUS$184.5bUS$27.9b8.4x18.2x2.8x
Wed, 20 May 2026US$475.8bUS$184.8bUS$28.1b9.4x16.9x2.6x
Fri, 17 Apr 2026US$501.3bUS$176.0bUS$25.5b9x19.6x2.8x
Sun, 15 Mar 2026US$452.7bUS$175.8bUS$26.1b7.8x17.3x2.6x
Tue, 10 Feb 2026US$540.3bUS$175.6bUS$25.8b8.4x20.9x3.1x
Thu, 08 Jan 2026US$606.2bUS$168.3bUS$24.4b9.9x24.9x3.6x
Sat, 06 Dec 2025US$570.1bUS$168.2bUS$24.4b10.3x23.4x3.4x
Mon, 03 Nov 2025US$553.1bUS$165.9bUS$24.3b10.4x22.8x3.3x
Wed, 01 Oct 2025US$548.0bUS$157.0bUS$21.3b10.1x25.8x3.5x
Fri, 29 Aug 2025US$529.5bUS$156.7bUS$21.2b10.5x24.9x3.4x
Sun, 27 Jul 2025US$504.0bUS$154.1bUS$20.2b9.9x24.9x3.3x
Tue, 24 Jun 2025US$422.4bUS$156.3bUS$24.8b8.9x17x2.7x
Thu, 22 May 2025US$412.7bUS$156.2bUS$24.9b9.5x16.6x2.6x
Sat, 19 Apr 2025US$391.7bUS$167.0bUS$29.2b9.5x13.4x2.3x
Mon, 17 Mar 2025US$420.0bUS$166.7bUS$29.3b11x14.3x2.5x
Wed, 12 Feb 2025US$484.1bUS$168.5bUS$28.8b11.3x16.8x2.9x
Fri, 10 Jan 2025US$459.2bUS$161.0bUS$26.8b11.4x17.2x2.9x
Sun, 08 Dec 2024US$473.3bUS$161.2bUS$26.4b12.5x17.9x2.9x
Tue, 05 Nov 2024US$413.5bUS$161.4bUS$26.4b11.3x15.7x2.6x
Thu, 03 Oct 2024US$400.1bUS$158.7bUS$25.7b9.8x15.6x2.5x
Sat, 31 Aug 2024US$395.4bUS$158.6bUS$25.6b11.2x15.4x2.5x
Mon, 29 Jul 2024US$387.6bUS$158.5bUS$26.0b9.4x14.9x2.4x
Wed, 26 Jun 2024US$361.6bUS$156.6bUS$25.1b8.9x14.4x2.3x
Fri, 24 May 2024US$366.7bUS$156.7bUS$25.3b9.3x14.5x2.3x
Sun, 21 Apr 2024US$360.1bUS$156.2bUS$24.2b10.7x14.9x2.3x
Tue, 19 Mar 2024US$325.8bUS$150.6bUS$22.7b9.6x14.4x2.2x
Thu, 15 Feb 2024US$312.3bUS$153.6bUS$22.9b9.1x13.7x2x
Sat, 13 Jan 2024US$288.9bUS$149.9bUS$23.2b8.7x12.5x1.9x
Mon, 11 Dec 2023US$270.4bUS$149.9bUS$23.1b8.3x11.7x1.8x
Wed, 08 Nov 2023US$243.5bUS$150.0bUS$23.1b7.5x10.5x1.6x
Fri, 06 Oct 2023US$234.3bUS$149.1bUS$23.1b7.3x10.1x1.6x
Sun, 03 Sep 2023US$257.9bUS$149.4bUS$23.0b8.1x11.2x1.7x
Tue, 01 Aug 2023US$284.9bUS$150.0bUS$23.6b8.7x12.1x1.9x
Price to Earnings Ratio

12.1x


Total Market Cap: US$284.9bTotal Earnings: US$23.6bTotal Revenue: US$150.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.7x202420252026
Current Industry PE
  • Investors are pessimistic on the American Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 14.4x which is lower than its 3-year average PE of 16.7x.
  • The industry is trading close to its 3-year average PS ratio of 2.6x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 14% per year over the last three years.
  • Revenues for these companies have grown 9.5% 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-1.06%
Financials-0.05%
Consumer Finance-5.55%
Consumer Finance-5.55%
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
BFH Bread Financial HoldingsUS$104.315.0%
+US$202.0m		64.9%PE7.6x
ENVA Enova InternationalUS$237.272.0%
+US$104.3m		124.2%PE16.6x
WRLD World AcceptanceUS$204.676.6%
+US$56.3m		28.7%PE26.4x
QFIN Qfin HoldingsUS$13.193.6%
+US$56.0m		-62.5%PE2.1x
JCAP Jefferson CapitalUS$19.821.4%
+US$15.5m		16.7%PE7.9x

Latest News

SOFI
US$16.46
SoFi Technologies
7D
-4.7%
1Y
-22.4%
Seeking Alpha • 7h

SoFi Technologies Q2 Preview: Product Expansions, Weak Consumer Macros And A Tough Growth Ask

Summary SoFi is aggressively seeking to diversify its lending focused revenue stream with new product expansions via an AI investment platform, stablecoins, financial planning and investment products. Q1 debit spending rebounded, particularly in travel and dining, but tax refunds appear to have driven the increase. Meanwhile, consumer sentiment remains very weak at multi-decadal lows. Investors should focus on Q2 revenue guidance, as SoFi has regularly beaten reported-revenue estimates while guidance has been less compelling. SoFi’s valuation implies nearly 41% 5-yr earnings CAGR growth, above the 35% consensus forecast. Technicals are mixed: bearish momentum persists, but the stock is holding a key resistance-turned-support level. Read the full article on Seeking Alpha
CACC
US$574.08
Credit Acceptance
7D
-10.3%
1Y
10.3%
ALLY
US$42.92
Ally Financial
7D
-6.0%
1Y
11.4%
COF
US$202.84
Capital One Financial
7D
-2.5%
1Y
-4.7%
ENVA
US$237.27
Enova International
7D
2.0%
1Y
124.2%
AXP
US$326.17
American Express
7D
-8.2%
1Y
4.7%
FCFS
US$195.06
FirstCash Holdings
7D
-8.7%
1Y
59.3%
WRLD
US$204.67
World Acceptance
7D
6.6%
1Y
28.7%
BFH
US$104.31
Bread Financial Holdings
7D
5.0%
1Y
64.9%
DAVE
US$402.81
Dave
7D
-8.5%
1Y
91.3%
SYF
US$72.90
Synchrony Financial
7D
-1.0%
1Y
0%
JCAP
US$19.82
Jefferson Capital
7D
1.4%
1Y
16.7%
Seeking Alpha • Jul 23

Jefferson Capital: 4.9%-Yielding Buyer Of Charged-Off Debt

Summary Jefferson Capital is the most profitable and least leveraged public debt buyer, trading near 7x forward adjusted earnings with a 4.9% yield. Q1'26 collections hit a record $309.9M (+19% YoY), though net income fell on post-IPO taxes and stock compensation, and operating expenses rose 47% on servicing and court costs. Industry tailwinds are intact: card delinquencies remain above pre-pandemic levels and consumer credit balances sit near records. However, J.C. Flowers' remaining 53% stake, roughly 1.4x the free float, was registered for sale via a July 2 shelf, and I expect periodic secondary offerings to pressure. I rate the shares a Hold until the overhang begins to clear. Read the full article on Seeking Alpha
QFIN
US$13.19
Qfin Holdings
7D
3.6%
1Y
-62.5%
Narrative Update • Jul 21

QFIN: Depressed Price And Dividend Yield Will Eventually Overcome Regulatory Headwinds

Analysts have cut the Qfin Holdings price target from $42.58 to $13.80, citing prolonged regulatory headwinds, a lack of buybacks, and a limited catalyst for a near-term re-rating, despite what they view as a depressed valuation and an attractive dividend yield. What’s in the News for Qfin Holdings Qfin Holdings issued earnings guidance for the second quarter of 2026, projecting net income in a range of RMB 830 million to RMB 910 million.
CPSS
US$9.45
Consumer Portfolio Services
7D
4.0%
1Y
3.8%
Seeking Alpha • Jul 03

Consumer Portfolio Services: Always Risky, And Macro Isn't Currently The Most Robust

Summary Consumer Portfolio Services operates in subprime auto lending, securitizing used car loans and retaining some risky exposure on the books. CPSS trades at a discounted P/B of 0.68x, reflecting market expectations of significant asset losses amid rising charge-offs and macro uncertainty, also cheaper than peers. Rising net charge-offs, potential Q2 pressure from higher rates and falling used car values, and macro risks temper any relative value case for CPSS. Not all negative signals, though. While relative valuation versus peers appears attractive, the high-risk subprime exposure and macro sensitivity warrant caution and avoidance at this stage. Read the full article on Seeking Alpha
AIHS
US$1.33
Senmiao Technology
7D
1.5%
1Y
-46.9%
XYF
US$4.79
X Financial
7D
3.2%
1Y
-66.7%