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U.S. Consumer Finance Industry Analysis

UpdatedNov 07, 2025
DataAggregated Company Financials
Companies57
  • 7D-0.08%
  • 3M10.6%
  • 1Y21.1%
  • YTD19.5%

The Consumer Finance industry is up 1.2% in the last week, with American Express up 1.9%. During this same period, the SoFi Technologies underperformed, falling 6.4%. In the last 12 months, the industry was up 20%. As for the next few years, earnings are expected to grow by 23% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 07 Nov 2025US$557.7bUS$166.3bUS$24.0b10.4x23.2x3.4x
Sun, 05 Oct 2025US$529.4bUS$157.0bUS$21.3b10.1x24.9x3.4x
Tue, 02 Sep 2025US$538.8bUS$156.7bUS$21.2b10.5x25.4x3.4x
Thu, 31 Jul 2025US$504.2bUS$154.4bUS$20.4b9.6x24.7x3.3x
Sat, 28 Jun 2025US$441.9bUS$156.9bUS$25.0b9.3x17.7x2.8x
Mon, 26 May 2025US$397.0bUS$156.2bUS$24.9b8.2x15.9x2.5x
Wed, 23 Apr 2025US$384.8bUS$166.3bUS$28.6b9.7x13.4x2.3x
Fri, 21 Mar 2025US$427.3bUS$166.8bUS$29.5b11.3x14.5x2.6x
Sun, 16 Feb 2025US$492.8bUS$168.7bUS$28.9b12.1x17x2.9x
Tue, 14 Jan 2025US$445.2bUS$160.9bUS$26.8b11.5x16.6x2.8x
Thu, 12 Dec 2024US$468.0bUS$161.1bUS$26.4b12.6x17.7x2.9x
Sat, 09 Nov 2024US$448.8bUS$161.4bUS$26.4b12.3x17x2.8x
Mon, 07 Oct 2024US$408.7bUS$158.6bUS$25.7b10x15.9x2.6x
Wed, 04 Sep 2024US$396.5bUS$158.5bUS$25.6b11.1x15.5x2.5x
Fri, 02 Aug 2024US$395.3bUS$158.3bUS$25.9b9.9x15.3x2.5x
Sun, 30 Jun 2024US$363.2bUS$156.6bUS$25.1b9.1x14.5x2.3x
Tue, 28 May 2024US$364.6bUS$156.8bUS$25.3b9.4x14.4x2.3x
Thu, 25 Apr 2024US$372.2bUS$156.5bUS$24.3b11.3x15.3x2.4x
Sat, 23 Mar 2024US$335.3bUS$150.6bUS$22.6b10.8x14.9x2.2x
Mon, 19 Feb 2024US$318.0bUS$153.6bUS$22.8b8.8x13.9x2.1x
Wed, 17 Jan 2024US$288.9bUS$149.9bUS$23.2b8.6x12.5x1.9x
Fri, 15 Dec 2023US$283.1bUS$150.0bUS$23.2b8.9x12.2x1.9x
Sun, 12 Nov 2023US$240.6bUS$150.0bUS$23.2b6.9x10.4x1.6x
Tue, 10 Oct 2023US$238.8bUS$149.1bUS$23.1b7.4x10.3x1.6x
Thu, 07 Sep 2023US$253.6bUS$149.3bUS$23.0b8x11x1.7x
Sat, 05 Aug 2023US$275.4bUS$150.1bUS$23.5b8.4x11.7x1.8x
Mon, 03 Jul 2023US$279.7bUS$150.0bUS$24.8b7.4x11.3x1.9x
Wed, 31 May 2023US$255.0bUS$150.4bUS$24.5b6.5x10.4x1.7x
Fri, 28 Apr 2023US$251.7bUS$153.1bUS$26.9b6.1x9.3x1.6x
Sun, 26 Mar 2023US$245.1bUS$151.0bUS$28.2b4.9x8.7x1.6x
Tue, 21 Feb 2023US$286.1bUS$156.1bUS$29.2b6x9.8x1.8x
Thu, 19 Jan 2023US$255.4bUS$154.4bUS$31.9b4.8x8x1.7x
Sat, 17 Dec 2022US$240.9bUS$153.8bUS$31.7b4.4x7.6x1.6x
Mon, 14 Nov 2022US$270.4bUS$154.0bUS$32.6b5.2x8.3x1.8x
Price to Earnings Ratio

8.3x


Total Market Cap: US$270.4bTotal Earnings: US$32.6bTotal Revenue: US$154.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 14.2x202320242025
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 23.1x which is higher than its 3-year average PE of 14.2x.
  • The 3-year average PS ratio of 2.3x 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 9.8% per year over the last three years.
  • Meanwhile revenues for these companies have grown 2.8% per year.
  • This means that although more sales are being generated, 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-1.75%
Financials0.081%
Consumer Finance-0.08%
Consumer Finance-0.08%
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$365.731.9%
+US$4.7b		27.5%PE24.2x
OMF OneMain HoldingsUS$59.356.5%
+US$360.4m		9.4%PE9.9x
QFIN Qfin HoldingsUS$22.586.1%
+US$170.8m		-31.7%PE2.9x
ECPG Encore Capital GroupUS$47.2215.5%
+US$138.0m		-5.2%PS0.7x
LC LendingClubUS$18.006.9%
+US$133.7m		20.6%PE20x

Latest News

ECPG
US$47.22
Encore Capital Group
7D
15.5%
1Y
-5.2%
UPST
US$37.73
Upstart Holdings
7D
-16.1%
1Y
-32.0%
AXP
US$365.73
American Express
7D
1.9%
1Y
27.5%
LC
US$18.00
LendingClub
7D
6.9%
1Y
20.6%

Investors Appear Satisfied With LendingClub Corporation's (NYSE:LC) Prospects As Shares Rocket 29%

Nov 06
Investors Appear Satisfied With LendingClub Corporation's (NYSE:LC) Prospects As Shares Rocket 29%
QFIN
US$22.58
Qfin Holdings
7D
6.1%
1Y
-31.7%
KSPI
US$71.78
Kaspi.kz
7D
-1.7%
1Y
-36.4%

KSPI: Upgraded Buy Rating Will Drive Upside Amid Regulatory Pressures

Analysts lowered their price target for Kaspi.kz from $111.40 to $109.68, citing recent regulatory headwinds and persistent monetary policy pressures. They also noted the stock's current discounted valuation despite improved revenue growth prospects.
SOFI
US$27.16
SoFi Technologies
7D
-6.4%
1Y
128.2%
COF
US$216.88
Capital One Financial
7D
-0.7%
1Y
17.3%

COF: Share Buybacks And Dividend Increase Will Drive Sentiment Higher

Capital One Financial's analyst price target has moved higher, with the fair value estimate increasing slightly from $258.57 to $260.24. Analysts cite robust credit performance, resumption of share buybacks, and resilient net interest margins as supportive factors behind the adjustment.
OMF
US$59.35
OneMain Holdings
7D
6.5%
1Y
9.4%
ALLY
US$38.63
Ally Financial
7D
-1.5%
1Y
1.6%

ALLY: Shares Will Benefit From Improving Auto Credit Trends

Analysts have slightly increased their price target for Ally Financial, with updated expectations rising by $0.35 per share. This change is based on ongoing improvements in credit trends and the potential benefits of stabilizing auto markets.
FCFS
US$161.91
FirstCash Holdings
7D
2.2%
1Y
50.3%

FirstCash Holdings, Inc. (NASDAQ:FCFS) Just Beat EPS By 7.5%: Here's What Analysts Are Forecasting For Next Year

Nov 03
FirstCash Holdings, Inc. (NASDAQ:FCFS) Just Beat EPS By 7.5%: Here's What Analysts Are Forecasting For Next Year
ENVA
US$122.86
Enova International
7D
3.1%
1Y
23.7%
CACC
US$416.47
Credit Acceptance
7D
-7.9%
1Y
-8.4%

CACC: Share Repurchases And Leadership Transition Will Shape Lending Landscape

Analysts have lowered their price target for Credit Acceptance from $467.50 to $446.25. They cite shifts in projected revenue growth and underlying financial assumptions as key drivers of the revision.
TREE
US$53.27
LendingTree
7D
-17.1%
1Y
10.5%

TREE: Broad-Based Expansion And Rate Cuts Will Drive Future Performance

Analysts have raised LendingTree's fair value estimate from $71 to approximately $81.33, citing broad-based growth and improving financial flexibility as highlighted in recent research updates. Analyst Commentary Bullish Takeaways Bullish analysts have increased their price targets for LendingTree, citing strong quarterly earnings and positive forward guidance as a basis for these adjustments.
FINV
US$6.02
FinVolution Group
7D
7.9%
1Y
-4.4%

Little Excitement Around FinVolution Group's (NYSE:FINV) Earnings As Shares Take 25% Pounding

Oct 30
Little Excitement Around FinVolution Group's (NYSE:FINV) Earnings As Shares Take 25% Pounding
FIGR
US$35.69
Figure Technology Solutions
7D
-12.2%
1Y
n/a