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U.S. Consumer Finance Industry Analysis

UpdatedMay 02, 2026
DataAggregated Company Financials
Companies57
  • 7D0.4%
  • 3M-8.6%
  • 1Y11.8%
  • YTD-15.3%

The Consumer Finance industry has stayed flat over the last week. The past year has been better, since the industry has gained 16% in that time. 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
Sat, 02 May 2026US$491.5bUS$182.8bUS$27.6b9.8x17.8x2.7x
Mon, 30 Mar 2026US$439.3bUS$175.6bUS$25.6b7.7x17.1x2.5x
Wed, 25 Feb 2026US$478.1bUS$174.9bUS$25.7b8.3x18.6x2.7x
Fri, 23 Jan 2026US$563.5bUS$168.6bUS$24.6b9x22.9x3.3x
Sun, 21 Dec 2025US$585.8bUS$168.1bUS$24.3b10x24.1x3.5x
Tue, 18 Nov 2025US$540.5bUS$167.7bUS$24.3b9.9x22.3x3.2x
Thu, 16 Oct 2025US$534.3bUS$157.5bUS$21.6b10.3x24.8x3.4x
Sat, 13 Sep 2025US$539.3bUS$157.0bUS$21.3b10.6x25.3x3.4x
Mon, 11 Aug 2025US$490.8bUS$156.0bUS$21.0b9.4x23.3x3.1x
Wed, 09 Jul 2025US$460.8bUS$156.8bUS$25.0b9.9x18.4x2.9x
Fri, 06 Jun 2025US$410.4bUS$156.5bUS$24.9b9x16.5x2.6x
Sun, 04 May 2025US$438.7bUS$168.2bUS$29.2b10.2x15x2.6x
Tue, 01 Apr 2025US$419.5bUS$166.5bUS$29.5b10.5x14.2x2.5x
Thu, 27 Feb 2025US$462.7bUS$166.2bUS$29.2b11x15.9x2.8x
Sat, 25 Jan 2025US$503.4bUS$166.4bUS$27.9b12.1x18x3x
Mon, 23 Dec 2024US$457.2bUS$161.0bUS$26.4b11.3x17.3x2.8x
Wed, 20 Nov 2024US$447.6bUS$161.3bUS$26.4b12.1x17x2.8x
Fri, 18 Oct 2024US$421.0bUS$159.2bUS$26.1b10.2x16.2x2.6x
Sun, 15 Sep 2024US$382.9bUS$158.6bUS$25.7b10.5x14.9x2.4x
Tue, 13 Aug 2024US$364.0bUS$158.7bUS$25.9b11x14.1x2.3x
Thu, 11 Jul 2024US$367.5bUS$156.5bUS$25.1b9x14.6x2.3x
Sat, 08 Jun 2024US$360.4bUS$156.8bUS$25.3b9.3x14.3x2.3x
Mon, 06 May 2024US$363.0bUS$156.4bUS$25.0b9.9x14.5x2.3x
Wed, 03 Apr 2024US$364.4bUS$154.9bUS$24.4b10.8x14.9x2.4x
Fri, 01 Mar 2024US$325.9bUS$150.5bUS$22.6b9.3x14.4x2.2x
Sun, 28 Jan 2024US$309.0bUS$154.0bUS$22.5b9x13.8x2x
Tue, 26 Dec 2023US$297.2bUS$150.0bUS$23.2b9x12.8x2x
Thu, 23 Nov 2023US$251.4bUS$149.6bUS$23.0b7.4x10.9x1.7x
Sat, 21 Oct 2023US$225.6bUS$150.7bUS$23.4b7x9.6x1.5x
Mon, 18 Sep 2023US$259.2bUS$149.3bUS$23.0b7.9x11.3x1.7x
Wed, 16 Aug 2023US$260.2bUS$149.7bUS$23.3b7.9x11.2x1.7x
Fri, 14 Jul 2023US$288.1bUS$150.2bUS$24.8b7.6x11.6x1.9x
Sun, 11 Jun 2023US$278.0bUS$150.3bUS$24.5b7x11.4x1.8x
Tue, 09 May 2023US$240.8bUS$152.1bUS$25.8b6x9.3x1.6x
Price to Earnings Ratio

9.3x


Total Market Cap: US$240.8bTotal Earnings: US$25.8bTotal Revenue: US$152.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.2x202420252026
Current Industry PE
  • Investors are relatively neutral on the American Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 16.2x.
  • 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 2.2% per year over the last three years.
  • Revenues for these companies have grown 6.3% 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 Market0.80%
Financials0.79%
Consumer Finance0.38%
Consumer Finance0.38%
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$319.681.8%
+US$3.8b		15.5%PE19.7x
FIGR Figure Technology SolutionsUS$36.4513.4%
+US$948.5m		n/aPE129.6x
COF Capital One FinancialUS$191.910.3%
+US$329.8m		2.2%PE47.2x
PRG PROG HoldingsUS$36.1915.1%
+US$190.9m		33.6%PE11.5x
KSPI Kaspi.kzUS$86.420.7%
+US$121.7m		-4.3%PE7.1x

Latest News

SYF
US$75.76
Synchrony Financial
7D
-0.7%
1Y
39.8%
SOFI
US$16.43
SoFi Technologies
7D
-10.9%
1Y
29.4%
OMF
US$56.59
OneMain Holdings
7D
-4.8%
1Y
14.7%
TREE
US$38.81
LendingTree
7D
-19.6%
1Y
-10.2%
PRG
US$36.19
PROG Holdings
7D
15.1%
1Y
33.6%
CACC
US$504.84
Credit Acceptance
7D
-1.8%
1Y
3.3%
COF
US$191.91
Capital One Financial
7D
0.3%
1Y
2.2%

COF: Buybacks And Resilient Credit Execution Will Support Future Upside

Analyst price targets for Capital One Financial have edged lower by about $2 to $308, with recent research citing a mix of trimmed sector multiples, slightly more cautious revenue growth assumptions and a lower future P/E, partly balanced by firmer profit margin expectations and at least one upward revision. Analyst Commentary Recent Street research presents a mixed picture for Capital One Financial, with many firms trimming price targets while still highlighting areas where the story could appeal to long term investors.
ENVA
US$170.93
Enova International
7D
2.6%
1Y
80.2%

Enova International: Credit Where It's Due, But Not Enough Upside

Apr 30
SLM
US$22.69
SLM
7D
-4.8%
1Y
-27.3%
BFH
US$85.34
Bread Financial Holdings
7D
-1.0%
1Y
74.4%
QFIN
US$13.39
Qfin Holdings
7D
2.9%
1Y
-68.9%
FIGR
US$36.45
Figure Technology Solutions
7D
13.4%
1Y
n/a
FINV
US$5.03
FinVolution Group
7D
4.6%
1Y
-40.1%

FINV: Share Buybacks And Dividend Policy Will Support Future Upside Potential

Analysts have kept their fair value estimate for FinVolution Group broadly unchanged at about $7.61 per share, with only slight tweaks to assumptions on discount rate, revenue growth, profit margin and future P/E contributing to a steady price target view. What's in the News FinVolution issued earnings guidance for 2026, with total revenue expected in a range of about RMB11.5b to RMB12.9b, which it described as a 5% to 15% year over year decline (company guidance).
AXP
US$319.68
American Express
7D
1.8%
1Y
15.5%

American Express: Earnings Show Steady Growth, Maintain Buy

Apr 27
KSPI
US$86.42
Kaspi.kz
7D
0.7%
1Y
-4.3%
ALLY
US$43.41
Ally Financial
7D
-1.7%
1Y
30.7%