SIC 6141 | NAICS 522291
The following guide to industry information, research, and analysis provides sources for industry trends and statistics, financial ratios, salary surveys, and more.
Comprehensive research reports provide in-depth industry analysis and five-year growth forecasts, with special focus on the underlying structure and external forces and relationships that affect industries and their performance. Topics addressed in the reports include:
Publications section includes current and prior issues of the AFSA Newsbriefs newsletter, press and media releases, comment letters, white papers, talking points, and issue briefs, with topics covered in this section including industry news and developments, state and federal legislative and regulatory concerns, association initiatives, and member company news. All information is available free online.
Market research report provides a detailed analysis of the consumer credit sector, with historical data and forecasts by lending category (e.g., credit cards, automobile loans, durable goods loans, student loans, home loans, and other personal loans) including outstanding balance value and growth, gross lending value and growth, and non-performing loans as a percentage of outstanding balance value.
Market research study provides in-depth analysis of this finance sector, with information provided in
Chapter 5: Loan Trends including historical trend data by loan type (e.g., automobile loan, credit card loan, personal loan, student loan, and real estate mortgage loan) and type of banking institution (e.g., commercial banks/savings institutions, state and federal credit unions, and financing companies).
Consumer Debt Statistics
Quarterly report published by the Federal Reserve Bank of Philadelphia provides summary historical trend data for revolving credit outstanding balances (e.g., credit cards and unsecured revolving lines of credit), non-revolving credit outstanding balances (e.g., secured/unsecured credit for automobiles, mobile homes, durable goods, and other personal purposes), and home mortgage debt outstanding.
Consumer Credit - G.19
Monthly statistical release provides historical trend data for revolving and non-revolving credit levels outstanding and credit flows by type of holder (e.g., depository institutions, finance companies, credit unions, federal government, nonprofit and education institutions, nonfinancial businesses, and pools of securitized assets) for the last three months, the last five quarters, and the last five calendar years.
Finance Companies - G.20
Monthly statistical release provides historical trend data for receivables owned or managed by finance companies by type of consumer loan or lease (e.g., automobile, revolving, and other), real estate loan (e.g., one-to-four family, other), and business loan or lease (e.g., motor vehicle, equipment, and other business receivables) for the last three months, the last five quarters, and the last five calendar years.
Five-year financial statement analysis includes income statements, balance sheets, and key financial ratios, with data available by sales size range on a national, state, and metro area level including:
Annual financial survey allows users to compare their company's performance with other independent consumer finance companies, with data provided including income statement and balance sheet data and comparative benchmarks for over 25 other measures such as interest income to average notes receivable, bad debts and recoveries, loan delinquency rates, and pre-tax return on average assets.
Financial benchmarking section of this report provides an analysis of industry income and expenses as a percentage of revenue by major category (e.g., purchases, wages, depreciation, marketing, rent, utilities, other costs, and earnings before interest and taxes) for the most recent year and line graphs indicating trends for each category over the past five years. Sample report can be viewed free online.
Free online service provides salary, bonus, and hourly wage rate data for job positions in this sector such as branch manager, compliance manager, personal banker, loan officer, loan processor, and credit analyst, with employers for which salary or hourly wage data is provided including OneMain Holdings, Inc. (American General / Springleaf Financial Services, Inc.) and Mariner Finance, LLC.
Annual wage survey provides hourly and annual wage data for personnel employed by nondepository lending and finance firms on a national, state, and metro area basis, with companies in this category including establishments that provide unsecured cash loans to consumers such consumer finance companies, personal credit/finance institutions, small loan companies, and student loan companies.
Interactive database provides detailed transaction data for over 38,000 private and public companies sold for prices ranging from under $250,000 to over $500,000,000, with valuation measures provided including market value of invested capital as a multiple of revenue, gross profit, EBIT, EBITDA, SDE, and book value of invested capital. User guide, free webinar, and sample reports are available online.