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Consumer Finance Companies – Industry Analysis, Statistics, Trends, and Forecasts

SIC 6141  |  NAICS 522291

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

See the following sections listed below to view available resources by category:

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

Industry Analysis, Statistics, Trends, and Forecasts

Auto Leasing, Loans & Sales Financing  (view report)
Real Estate Loans & Consumer Lending  (view report)
Comprehensive industry 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. Topics addressed in the reports include:
Sample industry research report and selected industry statistics including market size, five-year average growth rate, number of businesses, and total employment are available free online.


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.

Euromonitor International
Consumer Lending in the US

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

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 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.

Market Analysis

Market analysis report provides industry statistics for a user-defined area on a national, state, county, metro area, or zip code level, with data provided including number of companies, market volume and sales trends, average company sales, sales per employee, staffing and employment trends, average employee wage, and business start up activity and failure rates. Sample report can be viewed online.

More Resources
For more industry research reports and other resources, see the following resource guide.

Financial Statements and Financial Ratios

Industry Financial Ratios
Consumer Lending  Search for "522291"
Five-year financial statement analysis reports provide income statements, balance sheets, and key industry financial ratios for companies of all sizes, with financial data available by sales size range on a national, state, and metropolitan area level including:
Sample reports on a national and metropolitan area level are available free online.

AFSA Independents Financial Survey

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.

Auto Leasing, Loans & Sales Financing
(see links for individual reports)

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.

Compensation and Salary Surveys

PayScale, Inc.
Consumer Lending

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

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.

Business Valuation Resources

Private company sales transaction data for over 800 industries.

Related Industries:
Check Cashing Services
Commercial Banks
Credit Unions
Mortgage Banking


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