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U.S. Consumer Finance Industry Analysis

UpdatedAug 27, 2025
DataAggregated Company Financials
Companies54
  • 7D5.2%
  • 3M15.8%
  • 1Y36.4%
  • YTD16.2%

In the last week, the Consumer Finance industry is up 5.2%, with American Express up 4.7%. In the last 12 months, the industry was up 36%. 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
Wed, 27 Aug 2025US$523.1bUS$156.7bUS$21.2b10.6x24.6x3.3x
Fri, 25 Jul 2025US$510.1bUS$154.2bUS$20.4b9.4x25x3.3x
Sun, 22 Jun 2025US$417.9bUS$156.4bUS$24.8b8.9x16.8x2.7x
Tue, 20 May 2025US$417.1bUS$155.9bUS$24.7b9.3x16.9x2.7x
Thu, 17 Apr 2025US$398.8bUS$166.3bUS$29.4b9.4x13.6x2.4x
Sat, 15 Mar 2025US$405.2bUS$166.7bUS$29.3b11x13.8x2.4x
Mon, 10 Feb 2025US$492.1bUS$168.5bUS$28.8b11.3x17.1x2.9x
Wed, 08 Jan 2025US$463.8bUS$161.0bUS$26.8b11.6x17.3x2.9x
Fri, 06 Dec 2024US$470.2bUS$161.1bUS$26.4b12.5x17.8x2.9x
Sun, 03 Nov 2024US$413.5bUS$161.3bUS$26.4b11.2x15.7x2.6x
Tue, 01 Oct 2024US$398.2bUS$158.7bUS$25.7b10x15.5x2.5x
Thu, 29 Aug 2024US$388.7bUS$158.5bUS$25.6b11.1x15.2x2.5x
Sat, 27 Jul 2024US$381.8bUS$158.5bUS$26.0b9.4x14.7x2.4x
Mon, 24 Jun 2024US$358.9bUS$156.6bUS$25.1b9x14.3x2.3x
Wed, 22 May 2024US$369.7bUS$156.8bUS$25.3b9.5x14.6x2.4x
Fri, 19 Apr 2024US$348.3bUS$154.8bUS$23.6b10.4x14.8x2.3x
Sun, 17 Mar 2024US$323.4bUS$150.6bUS$22.7b9.6x14.2x2.1x
Tue, 13 Feb 2024US$318.4bUS$153.6bUS$22.9b9.1x13.9x2.1x
Thu, 11 Jan 2024US$296.9bUS$149.9bUS$23.2b8.9x12.8x2x
Sat, 09 Dec 2023US$268.4bUS$149.9bUS$23.1b8.3x11.6x1.8x
Mon, 06 Nov 2023US$244.9bUS$150.0bUS$23.2b7.6x10.6x1.6x
Wed, 04 Oct 2023US$241.2bUS$149.1bUS$23.1b7.3x10.4x1.6x
Fri, 01 Sep 2023US$254.3bUS$149.2bUS$23.1b8.1x11x1.7x
Sun, 30 Jul 2023US$275.2bUS$150.0bUS$23.5b8.6x11.7x1.8x
Tue, 27 Jun 2023US$269.9bUS$150.2bUS$24.6b7.2x11x1.8x
Thu, 25 May 2023US$244.7bUS$150.4bUS$24.5b6.3x10x1.6x
Sat, 22 Apr 2023US$257.5bUS$153.4bUS$27.1b5.3x9.5x1.7x
Mon, 20 Mar 2023US$241.3bUS$150.9bUS$28.2b4.7x8.5x1.6x
Wed, 15 Feb 2023US$293.0bUS$156.3bUS$29.4b6.3x10x1.9x
Fri, 13 Jan 2023US$260.5bUS$154.4bUS$31.9b4.8x8.2x1.7x
Sun, 11 Dec 2022US$252.9bUS$153.8bUS$32.1b4.5x7.9x1.6x
Tue, 08 Nov 2022US$247.1bUS$153.6bUS$32.8b4.9x7.5x1.6x
Thu, 06 Oct 2022US$247.4bUS$155.3bUS$35.7b4.1x6.9x1.6x
Sat, 03 Sep 2022US$261.2bUS$155.8bUS$35.8b4.3x7.3x1.7x
Price to Earnings Ratio

7.3x


Total Market Cap: US$261.2bTotal Earnings: US$35.8bTotal Revenue: US$155.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 13.1x202320242025
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 24.6x which is higher than its 3-year average PE of 13.1x.
  • The 3-year average PS ratio of 2.2x is lower than the industry's current PS ratio of 3.3x.
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 Market1.32%
Financials2.25%
Consumer Finance5.18%
Consumer Finance5.18%
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$320.604.7%
+US$10.1b		25.7%PE22.3x
COF Capital One FinancialUS$224.924.8%
+US$6.6b		58.0%PS6.1x
SOFI SoFi TechnologiesUS$25.6212.6%
+US$3.4b		229.7%PE54.6x
SYF Synchrony FinancialUS$75.345.2%
+US$1.4b		54.4%PE8.8x
ALLY Ally FinancialUS$40.766.5%
+US$766.4m		-5.1%PE38.7x

Latest News

KSPI
US$91.33
Kaspi.kz
7D
-2.9%
1Y
-28.2%

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.
SOFI
US$25.62
SoFi Technologies
7D
12.6%
1Y
229.7%

Digital Transformation In Banking And AI Will Yield Mixed Results

Analysts have raised SoFi Technologies' price target to $20.78, citing optimism about new revenue streams from product diversification, improved sector trends, and a stronger balance sheet, though some caution that the stock may be fairly valued following its recent rally. Analyst Commentary Product diversification, particularly expanding into a crypto trading platform and student lending following new legislation, is seen as a key growth driver and revenue catalyst.
UPST
US$68.89
Upstart Holdings
7D
7.8%
1Y
63.7%
FCFS
US$147.25
FirstCash Holdings
7D
7.0%
1Y
26.6%
AXP
US$320.60
American Express
7D
4.7%
1Y
25.7%
CACC
US$521.71
Credit Acceptance
7D
9.4%
1Y
10.2%
GDOT
US$13.43
Green Dot
7D
-2.2%
1Y
20.2%
COF
US$224.92
Capital One Financial
7D
4.8%
1Y
58.0%
ECPG
US$41.32
Encore Capital Group
7D
-0.6%
1Y
-17.2%
SYF
US$75.34
Synchrony Financial
7D
5.2%
1Y
54.4%
ALLY
US$40.76
Ally Financial
7D
6.5%
1Y
-5.1%
CPSS
US$8.15
Consumer Portfolio Services
7D
-3.4%
1Y
-1.8%