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U.S. Consumer Finance Industry Analysis

UpdatedJun 19, 2026
DataAggregated Company Financials
Companies56
  • 7D6.4%
  • 3M13.3%
  • 1Y9.8%
  • YTD-11.7%

American Express is up 6.1%, leading the way for the Consumer Finance industry, which has gained 6.4%. Meanwhile, Lufax Holding actually underperformed within the industry, shrinking 6.7% in the last week. This takes the industry's 12 month performance to a gain of 9.8%. 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
Fri, 19 Jun 2026US$506.8bUS$184.5bUS$27.9b8.4x18.2x2.7x
Sun, 17 May 2026US$477.3bUS$184.4bUS$28.1b9.3x17x2.6x
Tue, 14 Apr 2026US$475.3bUS$175.9bUS$25.5b8.8x18.6x2.7x
Thu, 12 Mar 2026US$465.3bUS$176.3bUS$26.2b8x17.8x2.6x
Sat, 07 Feb 2026US$528.6bUS$175.5bUS$25.8b8.3x20.5x3x
Mon, 05 Jan 2026US$585.2bUS$168.3bUS$24.4b9.5x24x3.5x
Wed, 03 Dec 2025US$553.6bUS$168.1bUS$24.4b10x22.7x3.3x
Fri, 31 Oct 2025US$550.8bUS$165.6bUS$23.9b10x23x3.3x
Sun, 28 Sep 2025US$550.3bUS$157.0bUS$21.3b10.5x25.9x3.5x
Tue, 26 Aug 2025US$521.8bUS$156.7bUS$21.2b10.2x24.6x3.3x
Thu, 24 Jul 2025US$502.7bUS$154.2bUS$20.4b9.9x24.7x3.3x
Sat, 21 Jun 2025US$417.9bUS$156.4bUS$24.8b8.9x16.8x2.7x
Mon, 19 May 2025US$467.0bUS$169.3bUS$29.4b9.6x15.9x2.8x
Wed, 16 Apr 2025US$395.8bUS$166.3bUS$29.4b9.6x13.5x2.4x
Fri, 14 Mar 2025US$413.9bUS$166.7bUS$29.3b10.5x14.1x2.5x
Sun, 09 Feb 2025US$492.1bUS$168.5bUS$28.8b11.3x17.1x2.9x
Tue, 07 Jan 2025US$462.5bUS$161.0bUS$26.8b11.6x17.3x2.9x
Thu, 05 Dec 2024US$469.4bUS$161.1bUS$26.4b12.6x17.8x2.9x
Sat, 02 Nov 2024US$410.7bUS$160.9bUS$26.3b10.8x15.6x2.6x
Mon, 30 Sep 2024US$398.2bUS$158.7bUS$25.7b9.8x15.5x2.5x
Wed, 28 Aug 2024US$387.6bUS$158.4bUS$25.7b10.9x15.1x2.4x
Fri, 26 Jul 2024US$380.0bUS$158.4bUS$25.9b10.3x14.7x2.4x
Sun, 23 Jun 2024US$358.9bUS$156.6bUS$25.1b9x14.3x2.3x
Tue, 21 May 2024US$371.9bUS$156.7bUS$25.3b9.6x14.7x2.4x
Thu, 18 Apr 2024US$344.3bUS$154.9bUS$24.4b10x14.1x2.2x
Sat, 16 Mar 2024US$328.8bUS$150.6bUS$22.7b9.6x14.5x2.2x
Mon, 12 Feb 2024US$315.4bUS$153.7bUS$22.9b8.8x13.8x2.1x
Wed, 10 Jan 2024US$296.9bUS$150.0bUS$23.2b8.8x12.8x2x
Fri, 08 Dec 2023US$265.4bUS$150.0bUS$23.1b8.3x11.5x1.8x
Sun, 05 Nov 2023US$244.9bUS$150.0bUS$23.2b7.6x10.6x1.6x
Tue, 03 Oct 2023US$241.7bUS$149.1bUS$23.1b7.5x10.4x1.6x
Thu, 31 Aug 2023US$255.7bUS$149.1bUS$23.1b8.1x11.1x1.7x
Sat, 29 Jul 2023US$275.2bUS$150.0bUS$23.5b8.6x11.7x1.8x
Mon, 26 Jun 2023US$271.5bUS$150.3bUS$24.6b7.3x11x1.8x
Price to Earnings Ratio

11x


Total Market Cap: US$271.5bTotal Earnings: US$24.6bTotal Revenue: US$150.3bTotal 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 Market1.65%
Financials1.72%
Consumer Finance6.43%
Consumer Finance6.43%
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$338.006.1%
+US$13.3b		14.0%PE20.8x
COF Capital One FinancialUS$201.5310.7%
+US$12.0b		2.2%PE48.1x
SOFI SoFi TechnologiesUS$17.917.4%
+US$1.6b		16.6%PE39.8x
SYF Synchrony FinancialUS$75.264.1%
+US$985.6m		22.5%PE7.2x
ALLY Ally FinancialUS$45.494.6%
+US$613.0m		23.5%PE10.8x

Latest News

ALLY
US$45.49
Ally Financial
7D
4.6%
1Y
23.5%
SOFI
US$17.91
SoFi Technologies
7D
7.4%
1Y
16.6%
Seeking Alpha • Jun 18

SoFi Technologies: I'm Buying Because I Like To Make Money

Summary SoFi Technologies is rated a strong buy, driven by robust revenue growth, expanding margins, and significant upselling potential within its member base. SOFI's net revenues grew 42.5% YoY, with forecasts of 14–30% annual growth through 2030 and a projected $7.8B in revenues by then. Operating leverage is increasing as non-interest expenses fall relative to revenues, with net-product retention rising to 115.4% in Q1 and margins expected to reach 20% by 2030. Key risks include exposure to unsecured personal loans and potential impacts from rising rates, but the large base of under-monetized members offers substantial future upside. Read the full article on Seeking Alpha
AXP
US$338.00
American Express
7D
6.1%
1Y
14.0%
XYF
US$4.81
X Financial
7D
-5.3%
1Y
-72.2%
FINV
US$4.67
FinVolution Group
7D
-5.7%
1Y
-50.9%
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?
ENVA
US$202.55
Enova International
7D
6.8%
1Y
107.4%
Narrative Update • Jun 17

ENVA: Future Returns Will Rely On Banking Synergies And EPS Accretion

Enova International's analyst price targets have risen by a double-digit dollar amount. The latest round of $9 to $25 upward revisions is supported by analysts citing updated valuation work and company-specific factors reflected in the new fair value and P/E assumptions.
KSPI
US$82.21
Kaspi.kz
7D
-0.2%
1Y
-0.9%
Analysis Article • Jun 16

Kaspi.kz (NasdaqGS:KSPI) Stock Could Be 16% Undervalued After Dividend Affirmation

Kaspi.kz dividend and governance moves come into focus Kaspi.kz (NasdaqGS:KSPI) has drawn fresh attention after affirming a KZT 850 dividend per common share, with payments starting on 11 June 2026, following an extraordinary general meeting. At that meeting, shareholders also approved three members to Kaspi.kz’s Counting commission with an unlimited term of powers. This governance detail sits alongside the dividend decision as investors reassess the stock’s risk and income profile. See our...
SYF
US$75.26
Synchrony Financial
7D
4.1%
1Y
22.5%
Narrative Update • Jun 16

SYF: Capital Returns And New Partnerships Will Support Future Stock Repricing

Synchrony Financial's analyst price target is now set at $103.00, with analysts citing a modestly lower discount rate, slightly higher modeled revenue growth, and a small change in future P/E assumptions, partly balanced by a more conservative profit margin outlook and mixed recent research views, including new Hold ratings and several price target revisions across the Street. Analyst Commentary Recent research on Synchrony Financial highlights a mix of caution and optimism, with several bullish analysts adjusting price targets and focusing on execution around loan growth, credit performance, and earnings power.
CACC
US$579.73
Credit Acceptance
7D
5.6%
1Y
15.0%
Analysis Article • Jun 16

Credit Acceptance (CACC) Stock Could Be 7% Overvalued After Credit Facility Extension And CFO Change

Why the latest financing and leadership moves matter for Credit Acceptance stock Credit Acceptance (CACC) has just extended its revolving secured credit facility by one year and reduced its borrowing spread, while also preparing for a CFO transition to Joseph Billante from long-serving finance chief Jay D. Martin. See our latest analysis for Credit Acceptance. Those financing and leadership updates come against a backdrop of firm momentum in Credit Acceptance’s stock, with a 90 day share...
COF
US$201.53
Capital One Financial
7D
10.7%
1Y
2.2%
Seeking Alpha • Jun 13

Capital One: A 27% Sell-Off Creates A Compelling Entry Point

Summary Capital One is rated buy as the Discover integration creates scale, despite a 27% YTD stock decline. COF now commands a 24% credit card revenue share, surpassing Visa and Mastercard standalone, with efficiency ratio improvements expected. Credit risk remains the key concern, but delinquency and net charge-off ratios are stabilizing post-Discover, supporting a positive outlook. I project 2026 EPS of $21.00 and tangible book value of $122, implying 34% upside at a 2x P/TBV multiple. Read the full article on Seeking Alpha
FCFS
US$227.05
FirstCash Holdings
7D
4.0%
1Y
76.7%
LX
US$2.00
LexinFintech Holdings
7D
-5.7%
1Y
-71.1%
Narrative Update • Jun 10

LX: Share Repurchases And Dividend Policy Will Support Future Upside Potential

Analysts have trimmed their price target for LexinFintech Holdings to $3.50 from $4.07 as they now factor in lower revenue expectations, a reduced profit margin outlook, and a slightly higher future P/E multiple, partly offset by a lower discount rate in their updated models. What's in the News LexinFintech Holdings reported that from October 1, 2025 to December 31, 2025, it repurchased 4,700,000 shares for US$14 million, completing a total buyback of 9,600,000 shares for US$39 million under the program announced on July 21, 2025.
GDOT
US$12.75
Green Dot
7D
-1.8%
1Y
34.4%
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
QFIN
US$15.21
Qfin Holdings
7D
-1.2%
1Y
-64.5%
Narrative Update • Jun 06

QFIN: Dividend And Buyback Returns Will Support Future Re Rating Potential

Narrative Update on Qfin Holdings The analyst price target for Qfin Holdings has been revised lower by analysts to reflect a reduced fair value estimate of $21.69. This change is influenced by recent target cuts and downgrades that highlight ongoing regulatory headwinds and a lack of clear near term catalysts.
LU
US$1.25
Lufax Holding
7D
-6.7%
1Y
-56.3%
PRAA
US$14.94
PRA Group
7D
-4.8%
1Y
1.8%