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U.S. Consumer Finance Industry Analysis

UpdatedAug 17, 2026
DataAggregated Company Financials
Companies53
  • 7D2.2%
  • 3M13.1%
  • 1Y7.3%
  • YTD-6.6%

Over the last 7 days, the Consumer Finance industry has risen 2.2%, driven by gains from Capital One Financial of 4.4%. Meanwhile, OppFi actually underperformed within the industry, shrinking 24% in the last week. This means that the industry has gained 7.3% over the past year. Looking forward, earnings are forecast to grow by 12% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 17 Aug 2026US$533.2bUS$200.6bUS$35.4b9.9x15.1x2.7x
Wed, 15 Jul 2026US$523.3bUS$184.6bUS$27.8b8.8x18.9x2.8x
Fri, 12 Jun 2026US$465.8bUS$184.5bUS$27.9b8.2x16.7x2.5x
Sun, 10 May 2026US$487.6bUS$183.9bUS$28.1b10.1x17.3x2.7x
Tue, 07 Apr 2026US$454.1bUS$176.0bUS$25.6b8.3x17.8x2.6x
Thu, 05 Mar 2026US$473.8bUS$176.2bUS$26.2b8.2x18.1x2.7x
Sat, 31 Jan 2026US$546.4bUS$173.1bUS$25.5b8.7x21.4x3.2x
Mon, 29 Dec 2025US$593.9bUS$168.3bUS$24.4b10.1x24.3x3.5x
Wed, 26 Nov 2025US$535.5bUS$168.0bUS$24.3b10.2x22.1x3.2x
Fri, 24 Oct 2025US$546.1bUS$164.9bUS$23.4b10.3x23.3x3.3x
Sun, 21 Sep 2025US$561.2bUS$157.0bUS$21.3b10.9x26.4x3.6x
Tue, 19 Aug 2025US$505.6bUS$156.3bUS$21.1b10.2x23.9x3.2x
Thu, 17 Jul 2025US$451.4bUS$156.7bUS$25.0b9.7x18.1x2.9x
Sat, 14 Jun 2025US$419.5bUS$156.5bUS$24.9b8.6x16.9x2.7x
Mon, 12 May 2025US$445.9bUS$168.6bUS$29.3b9.1x15.2x2.6x
Wed, 09 Apr 2025US$371.0bUS$166.3bUS$29.4b9.1x12.6x2.2x
Fri, 07 Mar 2025US$448.1bUS$166.7bUS$29.3b11.3x15.3x2.7x
Sun, 02 Feb 2025US$491.8bUS$168.4bUS$28.7b12.6x17.1x2.9x
Tue, 31 Dec 2024US$461.1bUS$161.0bUS$26.8b11.4x17.2x2.9x
Thu, 28 Nov 2024US$475.4bUS$161.3bUS$26.5b12.7x18x2.9x
Sat, 26 Oct 2024US$405.6bUS$160.8bUS$26.1b9.9x15.5x2.5x
Mon, 23 Sep 2024US$396.8bUS$158.7bUS$25.7b9.8x15.5x2.5x
Wed, 21 Aug 2024US$387.9bUS$158.9bUS$25.9b12x15x2.4x
Fri, 19 Jul 2024US$394.2bUS$157.7bUS$25.7b9.9x15.3x2.5x
Sun, 16 Jun 2024US$349.7bUS$156.7bUS$25.2b8.8x13.9x2.2x
Tue, 14 May 2024US$369.5bUS$156.7bUS$25.3b9.9x14.6x2.4x
Thu, 11 Apr 2024US$356.2bUS$154.9bUS$24.4b10.5x14.6x2.3x
Sat, 09 Mar 2024US$329.9bUS$150.5bUS$22.6b9.6x14.6x2.2x
Mon, 05 Feb 2024US$311.0bUS$154.1bUS$22.5b8.7x13.8x2x
Wed, 03 Jan 2024US$300.5bUS$150.0bUS$23.2b9x13x2x
Fri, 01 Dec 2023US$257.3bUS$150.0bUS$23.1b7.9x11.1x1.7x
Sun, 29 Oct 2023US$225.0bUS$150.1bUS$23.4b7.3x9.6x1.5x
Tue, 26 Sep 2023US$244.2bUS$149.3bUS$23.0b7.4x10.6x1.6x
Thu, 24 Aug 2023US$253.2bUS$149.0bUS$23.1b7.7x11x1.7x
Price to Earnings Ratio

11x


Total Market Cap: US$253.2bTotal Earnings: US$23.1bTotal Revenue: US$149.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 16.8x202420252026
Current Industry PE
  • Investors are pessimistic on the American Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 15.1x which is lower than its 3-year average PE of 16.8x.
  • The industry is trading close to its 3-year average PS ratio of 2.6x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 15% per year over the last three years.
  • Revenues for these companies have grown 10% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the U.S. Financials industry?

US Market0.63%
Financials1.21%
Consumer Finance2.21%
Consumer Finance2.21%
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
COF Capital One FinancialUS$227.343.8%
+US$5.1b		5.2%PE14.2x
AXP American ExpressUS$342.481.1%
+US$2.4b		11.5%PE20.4x
SYF Synchrony FinancialUS$81.003.6%
+US$914.3m		12.8%PE7.7x
KSPI Kaspi.kzUS$98.705.0%
+US$893.1m		5.4%PE8.1x
FIGR Figure Technology SolutionsUS$31.439.1%
+US$680.1m		n/aPE36.9x

Latest News

OPFI
US$7.16
OppFi
7D
-18.4%
1Y
-32.5%
KSPI
US$98.70
Kaspi.kz
7D
5.0%
1Y
5.4%
Analysis Article • Aug 15

Analyst Estimates: Here's What Brokers Think Of Joint Stock Company Kaspi.kz (NASDAQ:KSPI) After Its Second-Quarter Report

It's been a good week for Joint Stock Company Kaspi.kz ( NASDAQ:KSPI ) shareholders, because the company has just...
DAVE
US$334.57
Dave
7D
8.3%
1Y
65.4%
FIGR
US$31.43
Figure Technology Solutions
7D
9.1%
1Y
n/a
SYF
US$81.00
Synchrony Financial
7D
3.6%
1Y
12.8%
AXP
US$342.48
American Express
7D
1.1%
1Y
11.5%
QFIN
US$12.27
Qfin Holdings
7D
-5.8%
1Y
-59.0%
YRD
US$1.19
Yiren Digital
7D
-4.8%
1Y
-80.4%
COF
US$227.34
Capital One Financial
7D
3.8%
1Y
5.2%
ANTA
US$3.58
Antalpha Platform Holding
7D
-8.2%
1Y
-69.8%
ENVA
US$265.45
Enova International
7D
5.1%
1Y
146.1%
Narrative Update • Aug 12

ENVA: Grasshopper Bank Deal And Credit Trends Will Shape Future Upside

The analyst price target for Enova International is now $257, up from $200. Analysts point to updated models following better than expected Q2 results, expectations for Q2 upside from margins and consumer credit, and potential earnings benefits from the planned Grasshopper Bank acquisition and other company initiatives.
FINV
US$4.38
FinVolution Group
7D
-7.2%
1Y
-51.4%
Seeking Alpha • Aug 10

FinVolution: Consider Regulatory Pressures And Overseas Potential (Rating Downgrade)

Summary FinVolution is downgraded from 'Buy' to 'Hold,' I think that diversification efforts are promising but will take time to offset Chinese regulatory headwinds. Stricter domestic policies threaten FINV's core business, with risks relating to weaker loan demand and increased credit delinquency rates. FINV is accelerating international expansion, targeting 50% overseas revenue expansion by 2030. This is supported by its market leadership in Indonesia, and plans to venture into new markets like Pakistan. Read the full article on Seeking Alpha
ALLY
US$44.91
Ally Financial
7D
2.6%
1Y
17.0%
LU
US$1.50
Lufax Holding
7D
-9.6%
1Y
-47.4%
JFIN
US$2.28
Jiayin Group
7D
-8.8%
1Y
-82.5%
LX
US$1.36
LexinFintech Holdings
7D
-7.5%
1Y
-78.1%
Narrative Update • Jun 25

LX: Completed Share Buybacks Will Support Future Dividend-Driven Upside Potential

Analysts have trimmed their price target for LexinFintech Holdings to $2.30 from $2.60, citing updates to fair value estimates, discount rate assumptions, revenue growth expectations, profit margin outlook, and future P/E levels. What's in the News for LexinFintech Holdings LexinFintech Holdings reported that from January 1, 2026 to May 26, 2026, it repurchased 0 shares for US$0 million under its existing share buyback program.