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U.S. Consumer Finance Industry Analysis
UpdatedAug 10, 2025
DataAggregated Company Financials
Companies53
- 7D1.6%
- 3M4.4%
- 1Y35.2%
- YTD7.9%
The Consumer Finance industry is up 1.6% in the last week, with Kaspi.kz up 25%. Meanwhile, Upstart Holdings actually underperformed within the industry, shrinking 13% in the last week. This takes the industry's 12 month performance to a gain of 35%. Looking forward, earnings are forecast to grow by 27% annually.
Industry Valuation and Performance
Has the U.S. Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sun, 10 Aug 2025 | US$490.8b | US$156.0b | US$21.0b | 9.4x | 23.3x | 3.1x |
| Tue, 08 Jul 2025 | US$465.5b | US$156.8b | US$25.0b | 9.9x | 18.6x | 3x |
| Thu, 05 Jun 2025 | US$413.4b | US$156.5b | US$24.9b | 9x | 16.6x | 2.6x |
| Sat, 03 May 2025 | US$424.6b | US$168.2b | US$29.2b | 10.2x | 14.5x | 2.5x |
| Mon, 31 Mar 2025 | US$419.4b | US$166.5b | US$29.5b | 10.5x | 14.2x | 2.5x |
| Wed, 26 Feb 2025 | US$469.7b | US$166.2b | US$29.2b | 10.7x | 16.1x | 2.8x |
| Fri, 24 Jan 2025 | US$497.6b | US$166.3b | US$27.9b | 11.4x | 17.8x | 3x |
| Sun, 22 Dec 2024 | US$457.2b | US$161.0b | US$26.4b | 11.3x | 17.3x | 2.8x |
| Tue, 19 Nov 2024 | US$450.3b | US$161.3b | US$26.4b | 12.2x | 17.1x | 2.8x |
| Thu, 17 Oct 2024 | US$420.6b | US$158.4b | US$25.6b | 10.3x | 16.4x | 2.7x |
| Sat, 14 Sep 2024 | US$381.3b | US$158.6b | US$25.7b | 10.5x | 14.9x | 2.4x |
| Mon, 12 Aug 2024 | US$364.0b | US$158.7b | US$25.9b | 11.2x | 14.1x | 2.3x |
| Wed, 10 Jul 2024 | US$364.4b | US$156.5b | US$25.1b | 9x | 14.5x | 2.3x |
| Fri, 07 Jun 2024 | US$360.4b | US$156.8b | US$25.3b | 9.3x | 14.3x | 2.3x |
| Sun, 05 May 2024 | US$363.0b | US$156.4b | US$25.0b | 9.9x | 14.5x | 2.3x |
| Tue, 02 Apr 2024 | US$367.3b | US$154.9b | US$24.4b | 11.1x | 15x | 2.4x |
| Thu, 29 Feb 2024 | US$326.2b | US$150.5b | US$22.6b | 9x | 14.5x | 2.2x |
| Sat, 27 Jan 2024 | US$296.4b | US$156.0b | US$22.6b | 9x | 13.1x | 1.9x |
| Mon, 25 Dec 2023 | US$297.2b | US$150.0b | US$23.2b | 9x | 12.8x | 2x |
| Wed, 22 Nov 2023 | US$250.5b | US$149.5b | US$23.0b | 7.5x | 10.9x | 1.7x |
| Fri, 20 Oct 2023 | US$234.4b | US$148.7b | US$22.8b | 7.2x | 10.3x | 1.6x |
| Sun, 17 Sep 2023 | US$259.2b | US$149.3b | US$23.0b | 7.9x | 11.3x | 1.7x |
| Tue, 15 Aug 2023 | US$268.4b | US$149.7b | US$23.3b | 8.1x | 11.5x | 1.8x |
| Thu, 13 Jul 2023 | US$286.0b | US$150.2b | US$24.8b | 7.6x | 11.5x | 1.9x |
| Sat, 10 Jun 2023 | US$278.0b | US$150.3b | US$24.5b | 7x | 11.4x | 1.8x |
| Mon, 08 May 2023 | US$239.7b | US$152.1b | US$25.8b | 6x | 9.3x | 1.6x |
| Wed, 05 Apr 2023 | US$254.1b | US$151.1b | US$28.3b | 5.2x | 9x | 1.7x |
| Fri, 03 Mar 2023 | US$281.7b | US$152.7b | US$29.0b | 5.9x | 9.7x | 1.8x |
| Sun, 29 Jan 2023 | US$289.1b | US$156.9b | US$30.1b | 5.6x | 9.6x | 1.8x |
| Tue, 27 Dec 2022 | US$241.7b | US$153.8b | US$31.7b | 4.4x | 7.6x | 1.6x |
| Thu, 24 Nov 2022 | US$258.3b | US$153.7b | US$32.4b | 4.7x | 8x | 1.7x |
| Sat, 22 Oct 2022 | US$237.6b | US$155.0b | US$35.3b | 4.2x | 6.7x | 1.5x |
| Mon, 19 Sep 2022 | US$261.8b | US$155.6b | US$35.7b | 4.2x | 7.3x | 1.7x |
| Wed, 17 Aug 2022 | US$291.0b | US$156.1b | US$35.9b | 4.8x | 8.1x | 1.9x |
Price to Earnings Ratio
8.1x
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 23.3x which is higher than its 3-year average PE of 12.8x.
- The 3-year average PS ratio of 2.1x is lower than the industry's current PS ratio of 3.1x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 16% per year over the last three years.
- Meanwhile revenues have remained mostly flat.
- This means that although sales have remained flat, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.
Industry Trends
Which industries have driven the changes within the U.S. Financials industry?
| US Market | 2.39% | |
| Financials | 1.01% | |
| Consumer Finance | 1.57% | |
| Consumer Finance | 1.57% | |
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| KSPI Kaspi.kz | US$94.96 | 24.7% +US$3.6b | -21.1% | PE9x | |
| AXP American Express | US$297.43 | 1.1% +US$2.2b | 25.0% | PE20.7x | |
| SOFI SoFi Technologies | US$22.10 | 4.1% +US$1.3b | 232.8% | PE47.1x | |
| SYF Synchrony Financial | US$69.43 | 2.8% +US$706.9m | 49.1% | PE8.1x | |
| COF Capital One Financial | US$208.23 | 0.4% +US$486.0m | 54.5% | PS5.6x |