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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%

Over the last 7 days, the Consumer Finance industry has risen 1.4%, driven by gains from Capital One Financial of 3.1%. 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
Tue, 23 Jun 2026US$507.8bUS$184.5bUS$27.9b8.5x18.2x2.8x
Thu, 21 May 2026US$468.2bUS$184.8bUS$28.1b9.8x16.7x2.5x
Sat, 18 Apr 2026US$498.0bUS$176.0bUS$25.5b9.6x19.5x2.8x
Mon, 16 Mar 2026US$452.7bUS$175.8bUS$26.1b7.8x17.3x2.6x
Wed, 11 Feb 2026US$540.7bUS$175.6bUS$25.8b8.4x21x3.1x
Fri, 09 Jan 2026US$598.6bUS$168.3bUS$24.4b9.5x24.5x3.6x
Sun, 07 Dec 2025US$569.0bUS$168.2bUS$24.4b10.3x23.3x3.4x
Tue, 04 Nov 2025US$553.0bUS$166.0bUS$24.3b10.7x22.8x3.3x
Thu, 02 Oct 2025US$530.1bUS$157.0bUS$21.3b10x24.9x3.4x
Sat, 30 Aug 2025US$536.4bUS$156.7bUS$21.2b10.5x25.3x3.4x
Mon, 28 Jul 2025US$504.0bUS$154.1bUS$20.2b9.9x24.9x3.3x
Wed, 25 Jun 2025US$434.2bUS$156.4bUS$24.9b9.1x17.5x2.8x
Fri, 23 May 2025US$398.1bUS$156.2bUS$24.9b8.3x16x2.5x
Sun, 20 Apr 2025US$391.7bUS$167.0bUS$29.2b9.5x13.4x2.3x
Tue, 18 Mar 2025US$420.0bUS$166.7bUS$29.4b11x14.3x2.5x
Thu, 13 Feb 2025US$482.6bUS$168.6bUS$28.8b11.2x16.7x2.9x
Sat, 11 Jan 2025US$459.2bUS$161.0bUS$26.8b11.1x17.2x2.9x
Mon, 09 Dec 2024US$473.3bUS$161.2bUS$26.4b12.5x17.9x2.9x
Wed, 06 Nov 2024US$410.4bUS$161.4bUS$26.4b11.6x15.5x2.5x
Fri, 04 Oct 2024US$398.3bUS$158.7bUS$25.7b9.9x15.5x2.5x
Sun, 01 Sep 2024US$396.5bUS$158.6bUS$25.6b11.2x15.5x2.5x
Tue, 30 Jul 2024US$387.6bUS$158.5bUS$26.0b9.4x14.9x2.4x
Thu, 27 Jun 2024US$359.0bUS$156.6bUS$25.1b8.9x14.3x2.3x
Sat, 25 May 2024US$361.5bUS$156.8bUS$25.3b9.4x14.3x2.3x
Mon, 22 Apr 2024US$360.2bUS$156.1bUS$24.2b10.7x14.9x2.3x
Wed, 20 Mar 2024US$327.1bUS$150.5bUS$22.6b10.3x14.5x2.2x
Fri, 16 Feb 2024US$315.3bUS$153.7bUS$22.9b9x13.8x2.1x
Sun, 14 Jan 2024US$288.9bUS$149.9bUS$23.2b8.7x12.5x1.9x
Tue, 12 Dec 2023US$270.9bUS$149.9bUS$23.1b8.3x11.7x1.8x
Thu, 09 Nov 2023US$242.2bUS$150.0bUS$23.2b7.5x10.5x1.6x
Sat, 07 Oct 2023US$237.9bUS$149.1bUS$23.1b7.4x10.3x1.6x
Mon, 04 Sep 2023US$257.9bUS$149.4bUS$23.0b8.1x11.2x1.7x
Wed, 02 Aug 2023US$283.9bUS$149.9bUS$23.6b8.7x12x1.9x
Fri, 30 Jun 2023US$278.8bUS$150.1bUS$24.6b7.4x11.3x1.9x
Price to Earnings Ratio

11.3x


Total Market Cap: US$278.8bTotal 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
COF Capital One FinancialUS$200.703.1%
+US$3.7b		-0.5%PE47.9x
AXP American ExpressUS$338.070.8%
+US$1.8b		12.8%PE20.8x
ENVA Enova InternationalUS$204.748.2%
+US$388.6m		105.2%PE15.6x
SYF Synchrony FinancialUS$75.711.5%
+US$370.0m		19.7%PE7.2x
KSPI Kaspi.kzUS$84.811.9%
+US$305.9m		6.4%PE7.3x

Latest News

SYF
US$75.71
Synchrony Financial
7D
1.5%
1Y
19.7%
FCFS
US$228.89
FirstCash Holdings
7D
2.3%
1Y
75.9%
SOFI
US$17.10
SoFi Technologies
7D
-0.2%
1Y
11.3%
ENVA
US$204.74
Enova International
7D
8.2%
1Y
105.2%
COF
US$200.70
Capital One Financial
7D
3.1%
1Y
-0.5%
Seeking Alpha • Jun 22

Capital One: Totally Mispriced For Recession And Rising Defaults

Summary Capital One Financial Corp. is fully priced at 1.83x tangible book value, with significant downside risk if macro headwinds intensify. COF’s heavy exposure to uncollateralized credit card and signature loans makes it uniquely vulnerable to consumer stress in a recession or inflationary spike. Rising oil prices, geopolitical instability, and potential interest rate hikes could sharply increase defaults and compress lending margins, threatening tangible equity. I rate COF as Sell/Avoid around $200 per share, seeing potential worst-case downside of better than -70% versus limited upside, especially given 2026's technical underperformance and macro uncertainties. Read the full article on Seeking Alpha
DAVE
US$314.44
Dave
7D
1.8%
1Y
46.4%
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UPST
US$31.32
Upstart Holdings
7D
-3.2%
1Y
-47.0%
Seeking Alpha • Jun 22

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AXP
US$338.07
American Express
7D
0.8%
1Y
12.8%
EZPW
US$31.51
EZCORP
7D
-2.3%
1Y
139.1%
Analysis Article • Jun 21

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KSPI
US$84.81
Kaspi.kz
7D
1.9%
1Y
6.4%
QFIN
US$15.14
Qfin Holdings
7D
-2.9%
1Y
-64.9%
Analysis Article • Jun 19

Qfin Holdings (QFIN) Stock Could Be 29.9% Undervalued After Mixed Quarterly Results

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FINV
US$4.73
FinVolution Group
7D
-5.4%
1Y
-49.7%
New Narrative • Jun 17

FinVolution Stock Will Rely On Overseas Expansion And AI To Transform Future Earnings

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SLM
US$22.84
SLM
7D
4.2%
1Y
-27.9%
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LX
US$1.98
LexinFintech Holdings
7D
-7.0%
1Y
-72.2%
Narrative Update • Jun 10

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

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DFDV
US$2.94
DeFi Development
7D
-13.8%
1Y
-88.1%
LU
US$1.25
Lufax Holding
7D
-8.1%
1Y
-55.2%