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Overview of Market Industries: Valuation and Profitability


Credit Services


The credit services industry includes companies that extend credit and make loans to individuals and businesses through credit cards, installment loans, student loans, and business loans that are associated with other consumer and business credit instruments.

* Data in this page is the median value and it's updated daily. Sector and industry weightings are calculated using market capitalization which is converted to USD.


Company Comparison

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PE Ratio PE Ratio without NRI Shiller PE Ratio EV-to-EBIT EV-to-EBITDA EV-to-Revenue PS Ratio PB Ratio Price-to-Tangible-Book Price-to-Free-Cash-Flow Price-to-Operating-Cash-Flow Price-to-Median-PS-Value Dividend Yield % Dividend Payout Ratio Gross Margin % Net Margin % Operating Margin % Pre-Tax Margin % ROE % ROA % ROC (Joel Greenblatt) % ROIC % WACC % Altman Z-Score Piotroski F-Score Beneish M-Score Debt-to-Equity Cash-to-Debt Equity-to-Asset Days Sales Outstanding Days Inventory Days Payable Cash Conversion Cycle Forward Rate of Return (Yacktman) % Current Ratio Quick Ratio Interest Coverage Beta 5-Year Revenue Growth Rate 10-Year Revenue Growth Rate
V - Visa Inc 45.34 45.34 70.76 34.76 32.97 22.84 22.61 14.22 51.75 48.14 1.71 0.57 0.25 79.04 49.91 64.81 63.15 29.90 13.86 514.37 17.61 6.97 7.88 4 -2.38 0.56 0.86 0.47 29.67 10.62 19.05 17.80 2.12 2.12 25.73 0.97 13.30 14.30
MA - Mastercard Inc 57.57 57.57 88.03 45.09 42.09 23.99 24.14 57.47 56.66 51.12 2.13 0.45 0.32 75.25 41.90 53.35 50.72 107.04 20.39 433.44 42.65 8.36 11.21 5 -2.76 1.98 0.84 0.19 103.82 50.79 53.03 18.21 1.61 1.61 21.48 1.19 14.30 14.50
PYPL - PayPal Holdings Inc 75.17 75.17 58.32 47.58 14.34 14.74 15.81 32.17 63.30 53.91 44.76 19.59 15.98 23.61 23.61 6.89 305.92 17.09 8.44 4.71 6 -2.33 0.45 1.46 0.28 578.36 1098.51 -520.15 21.08 1.33 1.33 16.40 1.20 19.10
AXP - American Express Co 37.20 37.20 25.24 4.64 4.21 4.91 5.98 27.34 20.13 1.48 1.22 0.46 11.69 16.02 13.80 1.65 7.15 6 -2.71 1.95 0.74 0.12 N/A 1.30 6.70 4.30
COF - Capital One Financial Corp 24.41 24.41 16.66 1.96 2.03 0.95 1.26 3.71 3.53 1.20 0.81 0.19 9.67 11.42 4.06 0.66 9.67 5 -2.70 0.66 1.02 0.14 N/A 1.76 9.90 7.20
DFS - Discover Financial Services 27.31 27.31 16.57 3.48 2.70 3.08 3.17 5.05 4.83 1.01 1.79 0.49 10.29 12.94 10.51 0.99 9.52 5 -2.73 1.95 0.64 0.10 N/A 1.80 13.80 12.40
SYF - Synchrony Financial 17.74 17.74 12.84 1.84 1.53 1.98 2.42 3.16 3.16 2.18 0.39 8.96 11.63 10.53 1.41 10.03 5 -2.89 1.24 0.73 0.13 N/A 1.82 13.30
ALLY - Ally Financial Inc 14.89 14.91 68.99 3.54 2.30 1.10 1.10 4.58 1.79 0.26 15.50 20.20 7.69 0.59 8.41 5 -2.14 1.64 0.65 0.08 N/A 1.60 3.20 -4.50
WU - The Western Union Co 13.29 13.29 16.31 9.22 7.49 1.86 2.05 52.86 13.69 11.24 1.14 3.79 0.50 41.54 15.39 20.01 17.69 8.43 397.94 20.53 6.12 1.40 5 -2.58 17.70 1.25 0.02 85.69 64.68 21.01 19.10 1.02 1.02 8.16 0.98 2.40 4.30
SC - Santander Consumer USA Holdings Inc 8.69 8.69 10.28 7.12 1.19 1.41 1.44 1.83 2.54 0.23 13.19 17.52 16.22 1.89 3.62 4 -2.49 7.32 0.12 N/A 1.05 3.90
OMF - OneMain Holdings Inc 9.31 9.31 25.53 5.70 1.73 1.98 3.98 3.08 3.08 13.96 0.64 18.69 25.02 21.32 3.19 6.95 5 -2.80 5.17 0.13 0.15 N/A 2.03 17.10 17.40
CACC - Credit Acceptance Corp 15.49 15.49 19.27 19.37 18.58 6.46 3.95 2.85 2.85 6.76 6.70 0.82 77.33 25.22 33.36 32.92 19.14 5.70 175.36 5.97 5.39 2.72 6 -2.77 2.00 0.31 180.04 -180.04 18.20 26.16 26.16 N/A 1.33 18.60 19.50
SLM - SLM Corp 6.85 6.85 15.11 3.70 3.28 2.50 2.51 0.97 0.78 0.05 48.62 63.71 35.66 2.82 10.96 3 -2.41 2.03 0.86 0.08 N/A 1.32 17.10 -7.40
ORCC - Owl Rock Capital Corp 15.31 15.31 42.97 23.73 0.95 0.95 8.91 1.41 156.67 156.88 6.05 3.70 6.37 2 0.76 0.05 0.56 N/A
UPST - Upstart Holdings Inc 1490.20 1490.20 33.48 32.54 202.46 168.56 -0.28 -3.02 -0.09 7.68 N/A -2.16 0.38 -0.16 N/A
LPRO - Open Lending Corp -65.85 -66.28 50.46 32.07 131.06 130.20 229.77 91.61 -89.53 56.40 -84.05 -36.86 -1095.35 35.95 4.79 0.70 0.12 12.49 100.24 -87.75 11.97 11.97 7.59
ADS - Alliance Data Systems Corp 21.20 15.42 10.34 14.46 11.53 2.31 1.01 3.02 65.40 2.49 2.41 0.47 0.89 0.20 53.34 4.73 19.65 8.72 16.01 0.91 156.83 3.48 7.30 1.37 5 -3.20 5.79 0.35 0.07 30.43 36.48 47.87 19.04 32.85 18.48 18.48 2.71 2.59 -2.00 8.40
QFIN - 360 DigiTech Inc 9.98 9.98 2.27 2.75 3.28 3.28 9.19 9.13 27.54 31.04 38.91 12.47 8.39 2 -1.46 0.02 26.08 0.34 N/A
GDOT - Green Dot Corp 122.53 122.53 41.59 45.84 11.42 1.05 2.18 2.69 5.26 18.17 13.05 1.26 57.98 1.84 2.40 2.24 2.26 0.70 17.26 0.76 7.39 0.88 5 -0.34 0.03 60.14 0.25 19.73 24.12 -4.39 10.84 0.78 0.78 52.85 1.02 12.40 5.90
NNI - Nelnet Inc 17.45 17.45 12.97 20.11 2.60 1.15 1.27 12.33 8.44 1.17 1.12 0.20 14.69 18.31 6.78 0.69 2.95 9 -2.46 8.01 0.01 0.11 N/A 0.71 5.80 5.00
Average 101.50 101.21 22.52 8.06 5.27 12.71 9.17 15.16 13.16 23.96 32.18 0.67 2.04 0.28 26.04 20.21 13.30 24.83 18.47 2.50 45.29 7.20 7.08 1.51 5 -2.06 3.09 4.84 0.17 43.01 1.82 78.84 -34.01 6.90 3.17 3.17 19.27 1.13 8.45 5.07

* All ratios are current value


Historical Key Ratio Charts


* All ratios are median value

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