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U.S. Consumer Finance Industry Analysis

UpdatedApr 05, 2026
DataAggregated Company Financials
Companies53
  • 7D3.4%
  • 3M-23.2%
  • 1Y23.9%
  • YTDn/a

The Consumer Finance industry is up 3.4% in the last week, with American Express up 2.7%. Meanwhile, Jiayin Group actually underperformed within the industry, shrinking 14% in the last week. This means that the industry has gained 24% over the past year. Looking forward, earnings are forecast to grow by 17% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 05 Apr 2026US$454.1bUS$175.9bUS$25.5b8.1x17.8x2.6x
Tue, 03 Mar 2026US$472.3bUS$175.3bUS$26.0b8.7x18.1x2.7x
Thu, 29 Jan 2026US$547.1bUS$172.9bUS$25.4b8.4x21.5x3.2x
Sat, 27 Dec 2025US$595.6bUS$168.3bUS$24.4b10.1x24.4x3.5x
Mon, 24 Nov 2025US$527.4bUS$167.9bUS$24.2b9.7x21.8x3.1x
Wed, 22 Oct 2025US$542.5bUS$159.7bUS$22.0b10.1x24.6x3.4x
Fri, 19 Sep 2025US$553.3bUS$157.1bUS$21.3b11x26x3.5x
Sun, 17 Aug 2025US$505.6bUS$156.3bUS$21.1b10.1x23.9x3.2x
Tue, 15 Jul 2025US$460.2bUS$156.8bUS$25.0b9.8x18.4x2.9x
Thu, 12 Jun 2025US$421.8bUS$156.5bUS$24.9b9x16.9x2.7x
Sat, 10 May 2025US$447.0bUS$168.6bUS$29.3b9.1x15.2x2.7x
Mon, 07 Apr 2025US$368.1bUS$166.4bUS$29.4b9.6x12.5x2.2x
Wed, 05 Mar 2025US$462.4bUS$166.5bUS$29.3b10.4x15.8x2.8x
Fri, 31 Jan 2025US$492.0bUS$168.3bUS$28.7b12.5x17.1x2.9x
Sun, 29 Dec 2024US$461.1bUS$161.1bUS$26.8b11.5x17.2x2.9x
Tue, 26 Nov 2024US$466.0bUS$161.3bUS$26.5b12.6x17.6x2.9x
Thu, 24 Oct 2024US$411.1bUS$160.4bUS$26.2b9.9x15.7x2.6x
Sat, 21 Sep 2024US$398.9bUS$158.7bUS$25.7b9.8x15.5x2.5x
Mon, 19 Aug 2024US$381.8bUS$158.8bUS$25.9b11.9x14.7x2.4x
Wed, 17 Jul 2024US$384.7bUS$156.6bUS$25.1b10.3x15.3x2.5x
Fri, 14 Jun 2024US$350.7bUS$156.8bUS$25.2b9.3x13.9x2.2x
Sun, 12 May 2024US$372.4bUS$156.7bUS$25.2b10x14.8x2.4x
Tue, 09 Apr 2024US$358.6bUS$154.9bUS$24.4b10.8x14.7x2.3x
Thu, 07 Mar 2024US$323.2bUS$150.5bUS$22.6b9.5x14.3x2.1x
Sat, 03 Feb 2024US$311.0bUS$154.1bUS$22.5b8.7x13.8x2x
Mon, 01 Jan 2024US$300.1bUS$150.1bUS$23.2b8.9x12.9x2x
Wed, 29 Nov 2023US$250.0bUS$150.0bUS$23.1b7.7x10.8x1.7x
Fri, 27 Oct 2023US$223.5bUS$150.1bUS$23.3b7.1x9.6x1.5x
Sun, 24 Sep 2023US$244.1bUS$149.3bUS$23.0b7.4x10.6x1.6x
Tue, 22 Aug 2023US$256.9bUS$149.8bUS$23.3b7.7x11x1.7x
Thu, 20 Jul 2023US$295.1bUS$149.7bUS$24.4b8x12.1x2x
Sat, 17 Jun 2023US$278.6bUS$150.4bUS$24.6b7.3x11.3x1.9x
Mon, 15 May 2023US$233.8bUS$151.5bUS$25.2b5.9x9.3x1.5x
Wed, 12 Apr 2023US$256.4bUS$152.6bUS$28.3b5.3x9.1x1.7x
Price to Earnings Ratio

9.1x


Total Market Cap: US$256.4bTotal Earnings: US$28.3bTotal Revenue: US$152.6bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Consumer Finance Industry Price to Earnings3Y Average 15.9x202420252026
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 17.8x which is higher than its 3-year average PE of 15.9x.
  • The industry is trading close to its 3-year average PS ratio of 2.5x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 3.4% per year over the last three years.
  • Meanwhile revenues for these companies have grown 4.8% 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 Comparison

How does U.S. Consumer Finance compare with similar industries?

US Market3.46%
Financials3.50%
Consumer Finance3.38%
Consumer Finance3.38%
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$300.182.7%
+US$5.4b		28.5%PE19.2x
COF Capital One FinancialUS$181.923.3%
+US$3.6b		20.8%PE62x
SYF Synchrony FinancialUS$68.424.7%
+US$1.1b		56.2%PE6.9x
SOFI SoFi TechnologiesUS$15.854.1%
+US$790.7m		65.6%PE42x
FIGR Figure Technology SolutionsUS$34.5111.3%
+US$759.4m		n/aPE120.4x

Latest News

CACC
US$416.51
Credit Acceptance
7D
-0.7%
1Y
-9.7%
ALLY
US$39.84
Ally Financial
7D
5.4%
1Y
24.0%

ALLY: Buybacks And ROTCE Progress Will Support A Future Re Rating Path

Analysts have nudged their average price target for Ally Financial slightly lower, trimming fair value to about $52.12 as they factor in more moderate revenue growth assumptions, marginally softer profit margins, a slightly lower discount rate, and a modestly reduced future P/E, reflecting recent mixed sector commentary and a series of fine tuned target changes across the consumer finance group. Analyst Commentary Recent research on Ally Financial reflects a mix of optimism around earnings power and capital return, alongside fresh caution tied to sector wide risks and policy headlines.
SOFI
US$15.85
SoFi Technologies
7D
4.1%
1Y
65.6%

SoFi: Market Panic Just Created An Amazing Entry Point

Apr 03
SYF
US$68.42
Synchrony Financial
7D
4.7%
1Y
56.2%

SYF: Future P/E Reset Will Reflect Credit Card Rate Cap Risks

Synchrony Financial's updated analyst price target reflects a modest reset, with fair value shifting from $74.31 to $71.25 as analysts incorporate slightly lower profit margins and valuation multiples, while still acknowledging the stated revenue growth assumptions in a more cautious sector backdrop. Analyst Commentary Recent research on Synchrony reflects a shift toward more cautious positioning, with several bearish analysts trimming price targets and reassessing where the stock should trade in light of sector wide pressures and changing assumptions.
COF
US$181.92
Capital One Financial
7D
3.3%
1Y
20.8%

COF: Brex Deal And Benign Credit Trends Will Support Future Upside

Analysts have adjusted their price targets on Capital One Financial, with a range of cuts between $7 and $38 alongside some smaller upward revisions. These changes reflect lower sector valuation multiples and a more cautious macro outlook, even as views on credit trends and loan growth remain mixed across recent research.
PRG
US$28.18
PROG Holdings
7D
-1.2%
1Y
11.8%

PRG: Higher Profitability Assumptions And Dividend Growth Will Support Future Upside

Analysts have lifted their price target for PROG Holdings from $50.00 to about $54.79, citing updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E. What's in the News PROG Holdings updated its full year 2026 revenue guidance to a range of US$2.95b to US$3.07b, compared with the prior range of US$3.02b to US$3.14b, reflecting revised expectations following the acquisition of Purchasing Power in January 2026 (corporate guidance).
JFIN
US$4.19
Jiayin Group
7D
-13.8%
1Y
-64.1%
YRD
US$1.62
Yiren Digital
7D
-3.6%
1Y
-73.5%
AXP
US$300.18
American Express
7D
2.7%
1Y
28.5%
FIGR
US$34.51
Figure Technology Solutions
7D
11.3%
1Y
n/a
KSPI
US$74.55
Kaspi.kz
7D
5.2%
1Y
-10.3%

KSPI: Higher Margins And Dividend Policy Will Support Future Upside

Analysts have trimmed their price target on Kaspi.kz from $107.59 to $99.47, citing more cautious revenue growth assumptions, a slightly lower discount rate, a modestly higher profit margin outlook, and a lower future P/E, in line with the recent downgrade and a softer stance in Street research. Analyst Commentary Bullish Takeaways Bullish analysts point to the reduced discount rate and slightly higher profit margin outlook as signs that Kaspi.kz is still seen as capable of supporting solid profitability over time, even with a lower price target.
DAVE
US$172.70
Dave
7D
-1.3%
1Y
143.9%

DAVE: 2026 Guidance And Buyback Are Expected To Support Mispriced Story

Dave’s updated analyst price targets now range from about $295 to $328, reflecting analyst views that recent Q4 results, stronger 2026 guidance, added liquidity, and a larger $300m buyback support the current fair value estimate of $318 per share. Analyst Commentary Recent research points to a cluster of higher price targets in a relatively tight band, with most bullish analysts highlighting Q4 execution, updated 2026 guidance, and liquidity moves as key supports for their fair value views on Dave.
MATH
US$1.08
Metalpha Technology Holding
7D
-4.4%
1Y
-31.2%
FCFS
US$199.58
FirstCash Holdings
7D
4.6%
1Y
62.2%
TREE
US$40.75
LendingTree
7D
-2.3%
1Y
-11.3%
AIHS
US$1.17
Senmiao Technology
7D
-19.9%
1Y
-86.3%