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U.S. Consumer Finance Industry Analysis

UpdatedJun 23, 2026
DataAggregated Company Financials
Companies56
  • 7D1.4%
  • 3M11.3%
  • 1Y8.3%
  • YTD-11.9%

In the last week, the Consumer Finance industry is up 1.4%, with Enova International up 8.9%. In the last 12 months, the industry was up 8.3%. 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
Wed, 24 Jun 2026US$507.8bUS$184.5bUS$27.9b8.5x18.2x2.8x
Fri, 22 May 2026US$475.1bUS$184.8bUS$28.2b9.8x16.9x2.6x
Sun, 19 Apr 2026US$511.0bUS$176.0bUS$25.5b9.3x20x2.9x
Tue, 17 Mar 2026US$452.7bUS$175.8bUS$26.1b7.8x17.3x2.6x
Thu, 12 Feb 2026US$539.9bUS$175.7bUS$25.8b8.2x20.9x3.1x
Sat, 10 Jan 2026US$605.4bUS$168.3bUS$24.4b9.5x24.8x3.6x
Mon, 08 Dec 2025US$569.0bUS$168.2bUS$24.4b10.3x23.3x3.4x
Wed, 05 Nov 2025US$557.0bUS$166.1bUS$23.9b10.4x23.3x3.4x
Fri, 03 Oct 2025US$527.0bUS$157.0bUS$21.3b10.1x24.8x3.4x
Sun, 31 Aug 2025US$538.8bUS$156.7bUS$21.2b10.5x25.4x3.4x
Tue, 29 Jul 2025US$504.0bUS$154.2bUS$20.3b9.9x24.8x3.3x
Thu, 26 Jun 2025US$435.3bUS$156.9bUS$25.0b9.1x17.4x2.8x
Sat, 24 May 2025US$400.5bUS$156.2bUS$24.9b8.2x16.1x2.6x
Mon, 21 Apr 2025US$391.1bUS$166.9bUS$29.2b9.5x13.4x2.3x
Wed, 19 Mar 2025US$415.6bUS$166.7bUS$29.5b11x14.1x2.5x
Fri, 14 Feb 2025US$480.5bUS$168.7bUS$28.9b11.4x16.6x2.8x
Sun, 12 Jan 2025US$445.2bUS$161.0bUS$26.8b11.1x16.6x2.8x
Tue, 10 Dec 2024US$473.3bUS$161.2bUS$26.4b12.3x17.9x2.9x
Thu, 07 Nov 2024US$420.1bUS$161.2bUS$26.4b12.4x15.9x2.6x
Sat, 05 Oct 2024US$394.9bUS$158.6bUS$25.7b10x15.4x2.5x
Mon, 02 Sep 2024US$396.5bUS$158.6bUS$25.6b11.2x15.5x2.5x
Wed, 31 Jul 2024US$388.5bUS$158.5bUS$26.0b9.4x15x2.5x
Fri, 28 Jun 2024US$360.4bUS$156.6bUS$25.1b8.9x14.4x2.3x
Sun, 26 May 2024US$364.7bUS$156.8bUS$25.3b9.4x14.4x2.3x
Tue, 23 Apr 2024US$360.2bUS$156.1bUS$24.2b10.7x14.9x2.3x
Thu, 21 Mar 2024US$327.0bUS$150.5bUS$22.6b10.5x14.5x2.2x
Sat, 17 Feb 2024US$318.6bUS$153.6bUS$22.8b8.8x14x2.1x
Mon, 15 Jan 2024US$288.9bUS$149.9bUS$23.2b8.7x12.5x1.9x
Wed, 13 Dec 2023US$273.2bUS$149.9bUS$23.2b8.2x11.8x1.8x
Fri, 10 Nov 2023US$241.1bUS$150.0bUS$23.2b7.4x10.4x1.6x
Sun, 08 Oct 2023US$237.9bUS$149.1bUS$23.1b7.4x10.3x1.6x
Tue, 05 Sep 2023US$257.9bUS$149.4bUS$23.0b8.1x11.2x1.7x
Thu, 03 Aug 2023US$277.0bUS$149.8bUS$23.5b8.5x11.8x1.8x
Sat, 01 Jul 2023US$279.7bUS$150.1bUS$24.6b7.4x11.4x1.9x
Price to Earnings Ratio

11.4x


Total Market Cap: US$279.7bTotal Earnings: US$24.6bTotal Revenue: US$150.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.5x202420252026
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 18.2x which is higher than its 3-year average PE of 16.5x.
  • 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 grown 4.2% 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 Market-1.82%
Financials0.50%
Consumer Finance1.42%
Consumer Finance1.42%
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
ENVA Enova InternationalUS$210.998.9%
+US$428.8m		104.6%PE16.1x
CACC Credit AcceptanceUS$589.972.8%
+US$166.0m		15.7%PE13.6x
FCFS FirstCash HoldingsUS$223.511.7%
+US$162.2m		71.3%PE27.6x
SLM SLMUS$23.243.5%
+US$149.0m		-27.6%PE6x
EZPW EZCORPUS$32.384.8%
+US$91.7m		143.1%PE13.6x

Latest News

SYF
US$75.04
Synchrony Financial
7D
-0.3%
1Y
15.9%
FCFS
US$223.51
FirstCash Holdings
7D
1.7%
1Y
71.3%
SOFI
US$17.29
SoFi Technologies
7D
-2.4%
1Y
9.1%
ENVA
US$210.99
Enova International
7D
8.9%
1Y
104.6%
COF
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Capital One Financial
7D
-1.4%
1Y
-4.1%
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ALLY
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7D
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1Y
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AXP
US$337.78
American Express
7D
-0.9%
1Y
9.5%
EZPW
US$32.38
EZCORP
7D
4.8%
1Y
143.1%
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BFH
US$103.79
Bread Financial Holdings
7D
2.2%
1Y
85.9%
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-0.5%
1Y
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FIGR
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7D
-5.6%
1Y
n/a
ATLC
US$101.36
Atlanticus Holdings
7D
5.3%
1Y
96.8%
Analysis Article • Jun 17

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CACC
US$589.97
Credit Acceptance
7D
2.8%
1Y
15.7%
Analysis Article • Jun 16

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SLM
US$23.24
SLM
7D
3.5%
1Y
-27.6%
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LU
US$1.27
Lufax Holding
7D
-6.6%
1Y
-55.0%
PRAA
US$17.60
PRA Group
7D
12.5%
1Y
15.1%