Consumer Finance Companies – Industry Analysis, Statistics, Trends, and Forecasts
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
Real Estate Loans & Consumer Lending (view report)
- Market size and major product and service segments
- Key industry statistics, trends, and financial ratios
- Operating conditions and current performance
- Competitive landscape and environment
- Major company profiles and market shares
- Five-year outlook and growth forecasts
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.
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 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.
BizMiner Market Analysis Reports
Consumer Lending Services
https://www.bizminer.com Search for "522291" to see available reports
Market analysis reports provide 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.
For more industry research reports and other resources, see the following resource guide.
Financial Statements and Financial Ratios
BizMiner Industry Financial Ratios
Consumer Lending Services
https://www.bizminer.com Search for "522291" to see available reports
- Income and expenses in dollars and percentages
- Balance sheets in dollars and percentages
- Profitability and return on investment ratios
- Liquidity and working capital 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.
IBISWorld Research Reports
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
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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