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U.S. Consumer Finance Industry Analysis

UpdatedSep 22, 2025
DataAggregated Company Financials
Companies56
  • 7D4.6%
  • 3M16.0%
  • 1Y39.1%
  • YTD21.3%

The Consumer Finance industry is up 4.6% in the last week, with American Express up 4.9%. During this same period, the Qudian underperformed, falling 8.6%. This means that the industry has gained 39% over the past year. Looking forward, earnings are forecast to grow by 26% annually.

Industry Valuation and Performance

Has the U.S. Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 22 Sep 2025US$561.2bUS$157.0bUS$21.3b10.9x26.4x3.6x
Wed, 20 Aug 2025US$507.3bUS$156.4bUS$21.1b10x24x3.2x
Fri, 18 Jul 2025US$452.4bUS$156.7bUS$25.0b9.9x18.1x2.9x
Sun, 15 Jun 2025US$407.0bUS$156.5bUS$24.9b8.6x16.4x2.6x
Tue, 13 May 2025US$446.6bUS$168.7bUS$29.4b9.6x15.2x2.6x
Thu, 10 Apr 2025US$364.9bUS$166.3bUS$29.4b9.7x12.4x2.2x
Sat, 08 Mar 2025US$433.0bUS$166.8bUS$29.4b11.1x14.8x2.6x
Mon, 03 Feb 2025US$491.8bUS$168.4bUS$28.7b12.6x17.1x2.9x
Wed, 01 Jan 2025US$455.3bUS$161.0bUS$26.8b11.4x17x2.8x
Fri, 29 Nov 2024US$475.9bUS$161.2bUS$26.4b12.7x18x3x
Sun, 27 Oct 2024US$407.8bUS$160.8bUS$26.1b9.9x15.6x2.5x
Tue, 24 Sep 2024US$396.8bUS$158.7bUS$25.7b9.8x15.5x2.5x
Thu, 22 Aug 2024US$384.6bUS$158.9bUS$25.9b11.8x14.8x2.4x
Sat, 20 Jul 2024US$392.0bUS$157.7bUS$25.8b9.8x15.2x2.5x
Mon, 17 Jun 2024US$349.7bUS$156.7bUS$25.2b8.8x13.9x2.2x
Wed, 15 May 2024US$369.5bUS$156.7bUS$25.3b10x14.6x2.4x
Fri, 12 Apr 2024US$350.3bUS$154.9bUS$24.4b10.4x14.3x2.3x
Sun, 10 Mar 2024US$329.8bUS$150.5bUS$22.7b10.1x14.5x2.2x
Tue, 06 Feb 2024US$309.4bUS$153.6bUS$22.9b8.7x13.5x2x
Thu, 04 Jan 2024US$295.1bUS$150.0bUS$23.2b8.8x12.7x2x
Sat, 02 Dec 2023US$262.3bUS$150.0bUS$23.1b8.2x11.3x1.7x
Mon, 30 Oct 2023US$225.0bUS$150.0bUS$23.4b7.3x9.6x1.5x
Wed, 27 Sep 2023US$241.3bUS$149.3bUS$23.0b7.3x10.5x1.6x
Fri, 25 Aug 2023US$251.5bUS$148.9bUS$23.1b8x10.9x1.7x
Sun, 23 Jul 2023US$280.5bUS$150.0bUS$23.8b8.1x11.8x1.9x
Tue, 20 Jun 2023US$278.6bUS$150.4bUS$24.6b7.4x11.3x1.9x
Thu, 18 May 2023US$243.9bUS$151.4bUS$25.1b6.2x9.7x1.6x
Sat, 15 Apr 2023US$256.7bUS$152.7bUS$28.3b5.2x9.1x1.7x
Mon, 13 Mar 2023US$259.1bUS$152.3bUS$28.9b5.3x9x1.7x
Wed, 08 Feb 2023US$297.0bUS$156.6bUS$29.5b6.2x10.1x1.9x
Fri, 06 Jan 2023US$243.7bUS$154.0bUS$31.9b4.5x7.6x1.6x
Sun, 04 Dec 2022US$258.8bUS$153.7bUS$32.0b4.7x8.1x1.7x
Tue, 01 Nov 2022US$253.8bUS$153.6bUS$33.2b4.9x7.7x1.7x
Thu, 29 Sep 2022US$240.0bUS$155.0bUS$35.6b3.8x6.7x1.5x
Price to Earnings Ratio

6.7x


Total Market Cap: US$240.0bTotal Earnings: US$35.6bTotal Revenue: US$155.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 13.5x202320242025
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 26.4x which is higher than its 3-year average PE of 13.5x.
  • The 3-year average PS ratio of 2.2x is lower than the industry's current PS ratio of 3.6x.
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 Market1.49%
Financials1.00%
Consumer Finance4.58%
Consumer Finance4.58%
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$341.124.9%
+US$11.0b		26.8%PE23.7x
SOFI SoFi TechnologiesUS$29.5111.1%
+US$3.5b		266.6%PE62.9x
FIGR Figure Technology SolutionsUS$44.9638.3%
+US$2.9b		n/aPE171.9x
COF Capital One FinancialUS$228.322.0%
+US$2.9b		49.9%PS6.1x
KSPI Kaspi.kzUS$88.004.3%
+US$684.9m		-9.4%PE8.3x

Latest News

DFDV
US$16.93
DeFi Development
7D
-3.8%
1Y
2,319.4%
AXP
US$341.12
American Express
7D
4.9%
1Y
26.8%
ALLY
US$44.21
Ally Financial
7D
4.7%
1Y
28.2%

Digital Banking And Auto Finance Will Define A Bright Future

Analysts have modestly raised Ally Financial's price target to $47.12, citing improving auto credit quality, a more stable macro environment, and enhanced net interest margins from lower online deposit rates. Analyst Commentary Bullish analysts point to improving auto credit quality and positive trends in year-over-year delinquencies and charge-offs.
SOFI
US$29.51
SoFi Technologies
7D
11.1%
1Y
266.6%
ATLC
US$70.25
Atlanticus Holdings
7D
-2.7%
1Y
100.8%
UPST
US$67.89
Upstart Holdings
7D
7.6%
1Y
70.8%
FIGR
US$44.96
Figure Technology Solutions
7D
38.3%
1Y
n/a
CACC
US$507.29
Credit Acceptance
7D
6.9%
1Y
11.8%
JCAP
US$17.94
Jefferson Capital
7D
-2.4%
1Y
n/a

Jefferson Capital: Strong Buy In A Growing NPL Market

Sep 05
COF
US$228.32
Capital One Financial
7D
2.0%
1Y
49.9%
KSPI
US$88.00
Kaspi.kz
7D
4.3%
1Y
-9.4%

Kazakhstan And Turkey Markets Will Unlock Digital Opportunity

Kaspi.kz’s valuation outlook has shifted as analysts significantly lowered both future P/E and revenue growth expectations, yet the consensus price target only edged up slightly from $111.07 to $112.84. What's in the News Kaspi.kz and Alipay+ have enabled international cross-border QR payments in Kazakhstan, allowing users of 12 Alipay+-enabled apps to pay via Kaspi QR at a wide range of merchants.
QD
US$3.91
Qudian
7D
-8.6%
1Y
113.7%
ANTA
US$11.71
Antalpha Platform Holding
7D
-1.3%
1Y
n/a
PRG
US$35.50
PROG Holdings
7D
-0.2%
1Y
-28.3%
PRAA
US$16.58
PRA Group
7D
-1.4%
1Y
-25.0%
CPSS
US$8.15
Consumer Portfolio Services
7D
-5.5%
1Y
-15.4%