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Consumer Finance Companies

SIC 6141 | NAICS 522291


The following guide to industry information, research, and analysis provides sources for industry trends and statistics, market research and analysis, financial ratios and salary surveys, and more.



For guides to other industries, see our index of over 400 industries.





Industry Analysis, Trends, Statistics, and Forecasts


Auto Leasing, Loans & Sales Financing  (view report)
Real Estate Loans & Consumer Lending  (view report)

Comprehensive market research reports provide in-depth industry analysis and five-year forecasts, with special focus on the underlying structure and external forces and relationships that affect industries and their performance. Report contents include:

  • Market size and characteristics
  • Key statistics and ratios
  • Current performance
  • Competitive landscape
  • Major firms and market share
  • Key risk and success factors
  • Five-year growth forecast


AFSA
Publications
https://www.afsaonline.org/

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.



Consumer Lending
http://www.firstresearch.com

First Research profiles cover key aspects of an industry's size, scope, and operations and include a five-year growth forecast. Profile contents include:

  • Industry overview
  • Recent developments
  • Critical issues and challenges
  • Business trends and opportunities
  • Executive insights
  • Financial benchmarking data
  • Five-year growth forecast


Euromonitor International
Consumer Lending in the US
https://www.euromonitor.com/

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.


Packaged Facts
Consumer Banking and Borrowing: U.S. Market Trends
https://www.packagedfacts.com/

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).


The Federal Reserve Board
Data available from this federal government agency includes:

Consumer Debt Statistics
https://www.philadelphiafed.org/
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
https://www.federalreserve.gov/
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
https://www.federalreserve.gov/
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.


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Financial Statements and Financial Ratios



Industry Financial Ratios
Consumer Lending
https://www.bizminer.com  Search for "522291"

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.

  • Income and expense detail in dollars and percentages
  • Balance sheets in dollars and percentages
  • Cash flow analysis
  • Liquidity and working capital ratios
  • Profitability and return on investment ratios
  • Asset turnover and efficiency ratios
  • Capital structure and debt service ratios


AFSA
AFSA Independents Financial Survey
http://www.afsaonline.org/

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.


First Research
Consumer Lending
http://www.firstresearch.com

Financial information section of this profile provides income statements, balance sheets, and financial ratios by company size based on annual net revenue for companies in this finance sector that provide unsecured loans to consumers, with major companies in this sector including OneMain Holdings, Inc.,  DFC Global Corp., Cash America International, Inc., EZCORP, Inc., and SLM Corporation (Sallie Mae).


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Compensation and Salary Surveys


PayScale
Consumer Lending
https://www.payscale.com/

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.


U.S. Bureau of Labor Statistics
Nondepository Consumer Lending
https://www.bls.gov/oes/

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.


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Business Valuation Resources








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