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
V - Visa Inc 37.91 37.91 77.68 30.06 28.82 19.95 19.94 15.37 38.08 35.82 1.72 0.51 0.19 81.87 52.57 67.03 64.78 34.80 17.08 604.61 31.70 6.56 8.50 8 -2.31 0.48 0.72 0.48 24.50 13.67 10.83 19.46 1.56 1.56 28.89
MA - Mastercard Inc 46.85 46.85 90.86 36.93 34.96 19.69 19.94 64.44 55.24 49.62 1.92 0.43 0.15 42.50 56.90 52.05 131.53 28.25 730.23 154.03 7.16 12.76 5 -1.83 1.56 0.76 0.19 117.13 117.13 16.93 1.39 1.39 44.74
PYPL - PayPal Holdings Inc 54.10 54.10 44.34 33.84 7.62 8.04 8.21 13.99 37.27 30.93 1.23 44.69 14.89 15.27 16.61 16.20 5.47 171.79 25.16 7.10 3.43 6 -2.50 0.30 2.11 0.33 491.21 937.54 -446.33 21.99 1.43 1.43 26.54
AXP - American Express Co 16.37 16.37 24.34 4.62 3.62 4.63 4.63 14.60 11.97 1.40 1.24 0.19 21.88 27.28 29.18 3.46 5.79 N/A -2.46 2.66 0.38 0.12
COF - Capital One Financial Corp 9.16 9.19 12.92 1.16 1.74 0.81 1.08 3.06 2.90 1.06 1.58 0.15 19.79 24.52 9.37 1.47 6.70 N/A -2.55 0.85 0.24 0.15
DFS - Discover Financial Services 8.14 8.14 13.48 3.57 2.13 1.95 2.02 4.63 4.39 0.83 2.29 0.19 25.81 33.47 25.31 2.66 7.89 N/A -2.42 2.09 0.68 0.10
SYF - Synchrony Financial 5.80 5.80 1.67 1.28 1.43 1.71 2.42 2.42 0.73 2.68 0.16 21.82 28.46 25.21 3.54 7.52 N/A -2.59 1.35 0.61 0.14
ALLY - Ally Financial Inc 7.23 7.23 2.67 1.82 0.83 0.83 44.99 3.20 1.15 2.17 0.16 23.70 27.19 12.22 0.95 5.44 N/A -2.45 2.81 0.09 0.08
WU - The Western Union Co 10.40 10.40 18.98 7.37 6.29 2.07 2.20 15.10 12.24 1.21 2.95 0.30 41.26 21.07 18.17 25.23 12.54 628.52 3.96 1.76 7 -2.85 -164.87 1.07 81.50 66.30 15.20 6.95 0.88 0.88 6.41
CACC - Credit Acceptance Corp 13.41 13.41 27.50 12.32 12.06 8.77 6.01 3.58 3.58 11.08 10.72 1.34 44.68 78.27 58.21 30.47 9.73 16.37 14.30 5.59 3.37 6 -2.54 1.78 0.02 0.34 1656.93 1656.93 26.15 37.80 37.80 6.04
SC - Santander Consumer USA Holdings Inc 8.41 8.41 6.96 1.23 1.06 1.08 1.49 1.04 3.68 0.30 14.66 19.63 13.23 2.11 4.06 N/A -2.99 5.12 0.16
ORCC - Owl Rock Capital Corp 15.54 15.54 22.06 15.93 1.04 1.04 0.94 6.69 0.74 102.80 103.33 9.03 5.79 N/A 0.42 0.08 0.69
OMF - OneMain Holdings Inc 7.38 7.38 5.77 1.53 1.37 2.42 2.42 2.42 1.00 2.42 0.13 20.70 26.32 19.42 3.62 6.52 N/A -2.66 4.16 0.08 0.18
ADS - Alliance Data Systems Corp 12.47 7.71 11.93 6.33 4.75 1.35 0.73 3.25 12.64 2.67 2.47 0.38 2.38 0.18 43.39 6.04 22.26 12.17 21.64 1.58 287.23 12.09 5.79 1.43 6 -3.20 6.71 0.45 0.06 21.34 20.98 36.50 5.82 49.40 2.10 2.08 2.43
SLM - SLM Corp 8.62 8.62 12.14 3.41 2.94 1.63 1.64 0.94 1.07 0.09 34.58 44.48 17.98 1.96 10.14 N/A -2.14 1.54 1.20 0.10
FCFS - FirstCash Inc 23.68 23.68 30.36 18.03 15.48 2.45 2.03 2.77 11.81 26.45 16.11 0.96 1.20 0.28 54.84 8.58 13.81 11.71 11.97 6.96 24.21 9.23 6.57 3.82 6 -2.64 0.67 0.07 0.55 86.03 118.90 35.88 169.05 11.08 3.80 2.44 7.41
NAVI - Navient Corp 5.75 5.75 46.81 1.88 0.98 1.27 2.72 2.72 1.07 4.34 0.25 29.92 38.25 17.74 0.60 2.30 N/A 28.33 0.01 0.04
LX - LexinFintech Holdings Ltd 6.68 6.68 7.96 7.96 2.15 1.81 3.05 3.05 1.06 47.47 26.99 27.05 31.82 57.24 19.68 53.12 25.47 2.90 5 1.12 0.42 0.36 124.31 6.39 14.35 116.35 1.71 1.69 172.67
NNI - Nelnet Inc 19.62 19.62 10.78 25.24 2.60 0.99 1.11 18.86 10.69 1.23 1.26 0.24 13.26 15.67 5.21 0.49 2.24 N/A -2.35 8.90 0.01 0.10
PRAA - PRA Group Inc 21.99 21.99 13.38 18.48 17.13 4.56 1.71 1.49 2.61 25.19 19.56 0.67 7.75 35.94 10.78 6.68 1.85 7.54 7.73 6.81 2.12 5 -2.20 2.52 0.03 0.27 1241.93 1241.93 -1.31 16.77 16.77 2.58
Average 16.98 16.74 17.22 9.09 8.06 9.63 4.96 5.94 3.33 15.24 10.98 1.09 1.84 0.19 15.68 27.70 16.74 33.60 24.72 6.49 126.18 13.99 5.41 2.00 6 -2.13 -4.58 0.45 0.22 192.24 7.31 55.21 144.35 7.53 3.37 3.30 14.89

* All ratios are current value


Historical Key Ratio Chart


* All ratios are median value

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