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U.S. Consumer Finance Industry Analysis

UpdatedAug 25, 2025
DataAggregated Company Financials
Companies54
  • 7D3.2%
  • 3M14.2%
  • 1Y35.4%
  • YTD15.1%

In the last week, the Consumer Finance industry is up 3.2%, with American Express up 3.9%. In the last 12 months, the industry was up 35%. As for the next few years, earnings are expected to grow by 26% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 25 Aug 2025US$523.8bUS$156.6bUS$21.2b10.3x24.7x3.3x
Wed, 23 Jul 2025US$444.2bUS$158.8bUS$25.2b9.8x17.6x2.8x
Fri, 20 Jun 2025US$417.9bUS$156.4bUS$24.9b8.9x16.8x2.7x
Sun, 18 May 2025US$467.7bUS$169.3bUS$29.4b9.6x15.9x2.8x
Tue, 15 Apr 2025US$389.4bUS$166.3bUS$29.4b9.3x13.2x2.3x
Thu, 13 Mar 2025US$405.1bUS$166.7bUS$29.3b10.6x13.8x2.4x
Sat, 08 Feb 2025US$496.6bUS$168.5bUS$28.8b11.3x17.3x2.9x
Mon, 06 Jan 2025US$462.5bUS$161.0bUS$26.8b11.5x17.3x2.9x
Wed, 04 Dec 2024US$469.9bUS$161.1bUS$26.4b12.6x17.8x2.9x
Fri, 01 Nov 2024US$410.7bUS$160.9bUS$26.3b10.8x15.6x2.6x
Sun, 29 Sep 2024US$398.2bUS$158.7bUS$25.7b9.8x15.5x2.5x
Tue, 27 Aug 2024US$385.9bUS$158.4bUS$25.7b10.9x15x2.4x
Thu, 25 Jul 2024US$384.8bUS$158.4bUS$25.9b9.9x14.9x2.4x
Sat, 22 Jun 2024US$359.6bUS$156.6bUS$25.1b9x14.3x2.3x
Mon, 20 May 2024US$371.9bUS$156.7bUS$25.3b9.7x14.7x2.4x
Wed, 17 Apr 2024US$346.4bUS$154.9bUS$24.4b10.2x14.2x2.2x
Fri, 15 Mar 2024US$333.1bUS$150.6bUS$22.7b9.7x14.7x2.2x
Sun, 11 Feb 2024US$315.4bUS$153.7bUS$22.9b8.8x13.8x2.1x
Tue, 09 Jan 2024US$298.7bUS$150.0bUS$23.2b8.9x12.9x2x
Thu, 07 Dec 2023US$265.4bUS$149.9bUS$23.1b8x11.5x1.8x
Sat, 04 Nov 2023US$245.0bUS$150.0bUS$23.2b7.6x10.6x1.6x
Mon, 02 Oct 2023US$241.7bUS$149.1bUS$23.1b7.6x10.4x1.6x
Wed, 30 Aug 2023US$256.0bUS$149.0bUS$23.1b8.1x11.1x1.7x
Fri, 28 Jul 2023US$279.8bUS$150.0bUS$23.7b8.5x11.8x1.9x
Sun, 25 Jun 2023US$271.5bUS$150.3bUS$24.6b7.3x11x1.8x
Tue, 23 May 2023US$250.0bUS$151.3bUS$25.1b6.4x10x1.7x
Thu, 20 Apr 2023US$261.6bUS$152.6bUS$28.3b5.4x9.2x1.7x
Sat, 18 Mar 2023US$241.3bUS$150.9bUS$28.2b4.7x8.6x1.6x
Mon, 13 Feb 2023US$291.0bUS$156.4bUS$29.4b6.2x9.9x1.9x
Wed, 11 Jan 2023US$255.3bUS$154.3bUS$31.9b4.7x8x1.7x
Fri, 09 Dec 2022US$252.3bUS$153.8bUS$32.1b4.4x7.9x1.6x
Sun, 06 Nov 2022US$246.4bUS$153.7bUS$32.8b4.7x7.5x1.6x
Tue, 04 Oct 2022US$238.9bUS$155.3bUS$35.7b3.9x6.7x1.5x
Thu, 01 Sep 2022US$266.3bUS$155.9bUS$35.7b4.5x7.5x1.7x
Price to Earnings Ratio

7.5x


Total Market Cap: US$266.3bTotal Earnings: US$35.7bTotal Revenue: US$155.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 13x202320242025
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 24.7x which is higher than its 3-year average PE of 13.0x.
  • 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 Market0.47%
Financials2.05%
Consumer Finance3.18%
Consumer Finance3.18%
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$319.163.9%
+US$8.4b		25.7%PE22.2x
COF Capital One FinancialUS$221.222.3%
+US$3.2b		55.2%PS6x
SOFI SoFi TechnologiesUS$25.023.3%
+US$946.0m		226.2%PE53.3x
ALLY Ally FinancialUS$40.585.7%
+US$671.0m		-5.4%PE38.6x
SYF Synchrony FinancialUS$73.202.0%
+US$524.6m		49.8%PE8.5x

Latest News

UPST
US$68.85
Upstart Holdings
7D
5.4%
1Y
59.6%
SOFI
US$25.02
SoFi Technologies
7D
3.3%
1Y
226.2%
FCFS
US$144.38
FirstCash Holdings
7D
4.3%
1Y
22.2%
JCAP
US$18.85
Jefferson Capital
7D
-0.6%
1Y
n/a
OMCC
US$5.51
Old Market Capital
7D
-0.2%
1Y
-6.0%
OPFI
US$9.78
OppFi
7D
-7.7%
1Y
105.9%
AXP
US$319.16
American Express
7D
3.9%
1Y
25.7%
CACC
US$506.49
Credit Acceptance
7D
6.7%
1Y
6.3%
QD
US$4.72
Qudian
7D
-6.0%
1Y
152.4%
GDOT
US$13.47
Green Dot
7D
-4.5%
1Y
18.6%
COF
US$221.22
Capital One Financial
7D
2.3%
1Y
55.2%
DAVE
US$199.00
Dave
7D
-1.6%
1Y
399.0%

Mobile-first Banking Trends Will Empower Financial Flexibility

Dave’s valuation has climbed as a higher future P/E suggests optimism for growth despite a deteriorating net profit margin, driving the consensus analyst price target up from $241.43 to $271.00. What's in the News Raised 2025 GAAP operating revenue guidance to $505 million - $515 million from $460 million - $475 million.
OPRT
US$6.00
Oportun Financial
7D
-0.2%
1Y
92.9%
KSPI
US$92.54
Kaspi.kz
7D
-1.2%
1Y
-26.1%
SYF
US$73.20
Synchrony Financial
7D
2.0%
1Y
49.8%
ALLY
US$40.58
Ally Financial
7D
5.7%
1Y
-5.4%