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U.S. Consumer Finance Industry Analysis

UpdatedJun 26, 2026
DataAggregated Company Financials
Companies56
  • 7D1.6%
  • 3M18.0%
  • 1Y5.7%
  • YTD-10.3%

The Consumer Finance industry is up 1.6% in the last week, with American Express up 1.3%. In the last 12 months, the industry was up 5.7%. 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, 26 Jun 2026US$511.7bUS$184.2bUS$27.7b8.4x18.5x2.8x
Sun, 24 May 2026US$475.0bUS$184.8bUS$28.2b9.8x16.9x2.6x
Tue, 21 Apr 2026US$511.0bUS$176.4bUS$26.1b9.6x19.6x2.9x
Thu, 19 Mar 2026US$456.9bUS$175.9bUS$25.9b7.5x17.7x2.6x
Sat, 14 Feb 2026US$509.8bUS$175.7bUS$25.8b8.1x19.8x2.9x
Mon, 12 Jan 2026US$595.1bUS$168.3bUS$24.4b9.5x24.4x3.5x
Wed, 10 Dec 2025US$561.2bUS$168.1bUS$24.3b8.8x23.1x3.3x
Fri, 07 Nov 2025US$557.7bUS$166.3bUS$24.0b10.4x23.2x3.4x
Sun, 05 Oct 2025US$529.4bUS$157.0bUS$21.3b10.1x24.9x3.4x
Tue, 02 Sep 2025US$538.8bUS$156.7bUS$21.2b10.5x25.4x3.4x
Thu, 31 Jul 2025US$504.2bUS$154.4bUS$20.4b9.6x24.7x3.3x
Sat, 28 Jun 2025US$441.9bUS$156.9bUS$25.0b9.3x17.7x2.8x
Mon, 26 May 2025US$397.0bUS$156.2bUS$24.9b8.2x15.9x2.5x
Wed, 23 Apr 2025US$384.8bUS$166.3bUS$28.6b9.7x13.4x2.3x
Fri, 21 Mar 2025US$427.3bUS$166.8bUS$29.5b11.3x14.5x2.6x
Sun, 16 Feb 2025US$492.8bUS$168.7bUS$28.9b12.1x17x2.9x
Tue, 14 Jan 2025US$445.2bUS$160.9bUS$26.8b11.5x16.6x2.8x
Thu, 12 Dec 2024US$468.0bUS$161.1bUS$26.4b12.6x17.7x2.9x
Sat, 09 Nov 2024US$448.8bUS$161.4bUS$26.4b12.3x17x2.8x
Mon, 07 Oct 2024US$408.7bUS$158.6bUS$25.7b10x15.9x2.6x
Wed, 04 Sep 2024US$396.5bUS$158.5bUS$25.6b11.1x15.5x2.5x
Fri, 02 Aug 2024US$395.3bUS$158.3bUS$25.9b9.9x15.3x2.5x
Sun, 30 Jun 2024US$363.2bUS$156.6bUS$25.1b9.1x14.5x2.3x
Tue, 28 May 2024US$364.6bUS$156.8bUS$25.3b9.4x14.4x2.3x
Thu, 25 Apr 2024US$372.2bUS$156.5bUS$24.3b11.3x15.3x2.4x
Sat, 23 Mar 2024US$335.3bUS$150.6bUS$22.6b10.8x14.9x2.2x
Mon, 19 Feb 2024US$318.0bUS$153.6bUS$22.8b8.8x13.9x2.1x
Wed, 17 Jan 2024US$288.9bUS$149.9bUS$23.2b8.6x12.5x1.9x
Fri, 15 Dec 2023US$283.1bUS$150.0bUS$23.2b8.9x12.2x1.9x
Sun, 12 Nov 2023US$240.6bUS$150.0bUS$23.2b6.9x10.4x1.6x
Tue, 10 Oct 2023US$238.8bUS$149.1bUS$23.1b7.4x10.3x1.6x
Thu, 07 Sep 2023US$253.6bUS$149.3bUS$23.0b8x11x1.7x
Sat, 05 Aug 2023US$275.4bUS$150.1bUS$23.5b8.4x11.7x1.8x
Mon, 03 Jul 2023US$279.7bUS$150.0bUS$24.8b7.4x11.3x1.9x
Price to Earnings Ratio

11.3x


Total Market Cap: US$279.7bTotal Earnings: US$24.8bTotal Revenue: US$150.0bTotal 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 18.5x 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 3.8% 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-2.68%
Financials0.038%
Consumer Finance1.62%
Consumer Finance1.62%
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$342.461.3%
+US$3.0b		10.0%PE21.1x
COF Capital One FinancialUS$204.901.7%
+US$2.1b		-2.7%PE48.9x
SYF Synchrony FinancialUS$78.524.3%
+US$1.1b		19.3%PE7.5x
KSPI Kaspi.kzUS$86.855.7%
+US$882.7m		3.9%PE7.5x
ENVA Enova InternationalUS$221.389.3%
+US$469.7m		109.7%PE16.9x

Latest News

SYF
US$78.52
Synchrony Financial
7D
4.3%
1Y
19.3%
Seeking Alpha • 6h

Synchrony Financial Fixed-Rate Preferred: Attractive Yield At A Discount, Uncertain Rate Outlook

Summary Synchrony Financial fixed-rate preferred offers a ~7.54% yield, trading at a discount due to higher market rates. SYF.PR.A enjoys strong dividend coverage (~40x quarterly, ~43x annual), strong capital ratios, and qualified dividend treatment for enhanced after-tax yield. Interest rate trajectory remains the primary risk; upside is capped at par, but discount mitigates call risk and allows for rate-reversal participation. SYF.PR.A as Hold with a selective Buy bias for long-term, income-focused investors, while short-term investors may prefer to wait. Read the full article on Seeking Alpha
COF
US$204.90
Capital One Financial
7D
1.7%
1Y
-2.7%
AXP
US$342.46
American Express
7D
1.3%
1Y
10.0%
ANTA
US$5.50
Antalpha Platform Holding
7D
-15.9%
1Y
-51.8%
HTT
US$2.40
High Templar Tech
7D
-22.6%
1Y
-15.8%
ENVA
US$221.38
Enova International
7D
9.3%
1Y
109.7%
Seeking Alpha • 21h

Enova: The Grasshopper Deal Could Create Long-Term Value Beyond Initial Synergies

Summary Enova is expanding its small business lending with the acquisition of Grasshopper Bank, aiming to reduce funding costs and boost profitability. The SMB segment now represents 70% of ENVA's loan portfolio, with Q1 2026 SMB revenue up 37% YoY, outpacing consumer growth. Management expects the Grasshopper acquisition to be over 15% EPS accretive in year one and over 25% as synergies are realized. I rate ENVA a 'buy' as the bank acquisition could drive greater long-term value, leveraging ENVA’s broad SMB reach. Read the full article on Seeking Alpha
JFIN
US$3.01
Jiayin Group
7D
-24.9%
1Y
-81.6%
Seeking Alpha • Jun 25

Jiayin: Focus On Disappointing Results And Worrying Guidance (Rating Downgrade)

Summary Jiayin Group Inc. is downgraded from "Buy" to "Sell" following a sharp earnings reversal and weak forward guidance. JFIN posted a Q1 2026 net loss of CNY62 million, ending a 29-quarter positive profit streak, with loan volumes and revenue down 46% and 57% YoY. Management guides for Q2 2026 transaction volume to decline 48% QoQ and 73% YoY amid regulatory tightening and macro uncertainty. Read the full article on Seeking Alpha
SOFI
US$17.30
SoFi Technologies
7D
-3.4%
1Y
3.2%
FCFS
US$217.22
FirstCash Holdings
7D
-4.3%
1Y
57.8%
KSPI
US$86.85
Kaspi.kz
7D
5.7%
1Y
3.9%
Narrative Update • Jun 23

KSPI: Dividend Momentum And Earnings Resilience Will Support Future Confidence

Kaspi.kz's analyst price target has been adjusted slightly higher by $8. Analysts point to updated assumptions on the discount rate, revenue growth, profit margin, and future P/E to support the change.
QFIN
US$15.01
Qfin Holdings
7D
-1.3%
1Y
-66.5%
Narrative Update • Jun 23

QFIN: Dividend Yield And Risk Discipline Will Drive Future Re Rating

Analysts trimmed their price target on Qfin Holdings to $13.80 from $42.58, citing prolonged regulatory headwinds, the lack of buybacks and limited near term catalysts, even as they point to a depressed valuation and attractive dividend yield. What’s in the News for Qfin Holdings Qfin Holdings reported Q1 2026 earnings with a mixed set of results, highlighting shifts in user mix and risk management as the retail credit market remains challenging.
CACC
US$623.70
Credit Acceptance
7D
7.6%
1Y
22.6%
Narrative Update • Jun 23

CACC: Refreshed Assumptions And Buybacks Will Shape Future Risk Balance

Credit Acceptance's analyst price target has moved higher by $50 to $90 across recent updates, as analysts cite refreshed valuation work and adjustments to P/E and discount rate assumptions to reflect the latest risk and return profile. Analyst Commentary Recent research on Credit Acceptance shows a mix of optimism and caution, with price targets both raised and reduced as analysts revisit their P/E and discount rate assumptions.
ALLY
US$46.32
Ally Financial
7D
1.8%
1Y
19.4%
Analysis Article • Jun 21

Ally Financial (ALLY) Stock Could Be 15.8% Undervalued on Its Digital Banking Narrative

Recent Performance Snapshot Ally Financial (ALLY) has drawn investor attention after a period of mixed share performance, with the stock roughly flat year to date while showing gains over the past month and past 3 months. See our latest analysis for Ally Financial. At a share price of $45.49, Ally Financial has seen short term momentum build, with a 7.41% 30 day share price return and a 15.99% 90 day share price return. Longer term total shareholder returns of 26.84% over 1 year and 90.65%...
FIGR
US$26.91
Figure Technology Solutions
7D
-5.7%
1Y
n/a
SLM
US$24.61
SLM
7D
6.9%
1Y
-25.3%
Seeking Alpha • Jun 14

Sallie Mae's Safest Borrowers Are Suddenly Defaulting

Summary Sallie Mae remains a hold as competitive pressures and delinquency trends cloud near-term earnings visibility despite dominant private student loan market share. SLM faces acute risk from refinancing firms acquiring delinquent loans at steep discounts, eroding recoveries, and requiring urgent operational changes. Projected 70% origination growth over four years could be a future catalyst, but benefits from public loan cap changes may take time to materialize. With a forward PE of 7x and valuation reset, SLM appears fairly valued given current uncertainties and lack of clear recovery strategy. Read the full article on Seeking Alpha
LU
US$1.23
Lufax Holding
7D
-1.6%
1Y
-55.9%