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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 41.40 41.40 67.40 31.92 30.29 20.80 20.57 14.35 46.32 43.06 1.57 0.60 0.25 79.35 49.74 64.51 63.12 30.82 14.34 519.86 17.96 6.76 7.27 4 -2.45 0.67 0.83 0.45 27.03 14.08 12.95 18.44 1.91 1.91 27.31 0.98 13.30 14.30
MA - Mastercard Inc 49.32 49.32 81.62 39.26 36.74 21.16 21.29 56.64 2530.69 46.08 41.78 1.89 0.50 0.23 93.97 43.13 54.25 51.73 117.98 22.48 468.04 47.48 8.23 11.00 5 -3.03 2.17 0.85 0.18 87.35 132.41 -45.06 19.43 1.85 1.85 24.96 1.21 16.40 15.30
PYPL - PayPal Holdings Inc 95.09 95.09 68.30 54.10 14.29 14.73 15.98 35.95 59.07 50.90 44.40 15.48 15.86 20.00 18.38 5.52 249.41 16.13 8.41 4.77 5 -2.36 0.48 1.58 0.28 557.63 1057.10 -499.47 21.06 1.38 1.38 17.22 1.23 18.40
AXP - American Express Co 31.30 31.30 23.07 4.08 3.62 4.64 4.64 26.79 19.32 1.29 1.36 0.32 12.04 15.71 14.91 1.78 7.16 5 -2.72 2.13 0.71 0.12 N/A 1.28 8.60 4.80
COF - Capital One Financial Corp 52.67 52.67 14.09 1.65 1.73 0.82 1.11 3.14 2.99 1.02 0.95 0.63 4.74 5.68 1.62 0.33 9.29 5 -2.70 0.72 1.05 0.14 N/A 1.74 9.90 7.20
DFS - Discover Financial Services 25.70 25.70 16.11 4.73 2.55 2.60 2.69 4.94 4.71 0.94 1.91 0.49 10.29 12.94 10.54 0.99 9.60 5 -2.77 1.95 1.21 0.10 N/A 1.77 14.90 11.40
SYF - Synchrony Financial 17.14 17.14 1.63 1.49 1.92 2.37 2.92 2.92 2.35 0.40 9.07 11.67 10.17 1.38 9.92 5 -2.90 1.30 0.86 0.13 N/A 1.79 11.30
ALLY - Ally Financial Inc 19.91 19.87 65.63 3.70 2.37 1.07 1.11 4.36 1.87 0.36 11.98 16.14 5.52 0.42 8.27 5 -2.14 2.03 0.69 0.08 N/A 1.57 3.20 -4.50
WU - The Western Union Co 13.13 13.13 15.10 8.48 6.84 1.71 1.89 135.34 13.27 11.04 1.06 4.08 0.51 42.03 14.42 19.85 17.52 8.08 447.76 18.95 6.19 1.42 6 -2.68 45.25 1.25 0.01 79.55 59.10 20.45 17.88 0.96 0.96 7.56 1.01 3.90 5.40
SC - Santander Consumer USA Holdings Inc 13.76 13.76 9.33 7.18 1.13 1.41 1.44 1.67 2.82 0.53 7.94 11.10 8.99 1.12 3.45 4 -2.49 8.12 0.11 N/A 0.99 3.90
OMF - OneMain Holdings Inc 10.76 10.76 28.84 5.68 1.73 2.16 4.87 3.05 3.05 6.84 0.70 16.06 21.47 17.78 2.77 7.16 5 -2.78 5.61 0.11 0.14 N/A 2.08 14.00 16.10
CACC - Credit Acceptance Corp 14.17 14.17 17.71 18.55 17.81 6.44 3.68 2.49 2.49 6.05 5.98 0.76 75.89 25.91 34.69 34.12 18.80 5.70 182.00 6.00 5.15 2.68 6 -2.84 2.00 0.31 176.24 -176.24 20.23 23.45 23.45 N/A 1.30 19.20 20.20
ORCC - Owl Rock Capital Corp 14.51 14.51 41.68 22.49 0.90 0.90 9.39 1.41 156.67 156.88 6.05 3.70 6.17 2 0.76 0.05 0.56 N/A
SLM - SLM Corp 9.38 9.38 13.14 3.21 2.84 2.76 2.76 0.85 0.91 0.08 31.70 41.42 22.50 1.88 10.84 3 -2.41 2.25 0.88 0.07 N/A 1.29 17.10 -7.40
UPST - Upstart Holdings Inc 1289.40 1289.40 29.04 28.14 175.19 145.86 -0.28 -3.02 -0.09 7.46 -2.16 0.38 -0.16 N/A
LPRO - Open Lending Corp -61.41 -61.79 47.05 29.88 122.11 121.30 214.06 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 10.18 10.18 7.65 10.43 8.58 1.62 0.69 2.55 12.81 3.04 2.88 0.33 1.78 0.24 55.26 6.14 19.26 8.53 22.42 1.23 144.61 3.86 5.53 1.23 6 -2.60 5.63 0.41 0.06 28.23 35.31 46.33 17.21 48.76 1.74 1.72 2.76 2.55 3.00 12.00
GDOT - Green Dot Corp 60.53 60.53 43.92 13.01 5.45 0.66 2.37 2.89 5.71 24.16 15.73 1.37 60.42 4.01 5.03 5.02 4.95 1.67 36.27 1.79 7.00 1.32 5 -2.50 0.03 79.12 0.28 5.84 21.81 -15.97 13.33 1.00 1.00 106.13 1.00 9.50 8.50
NNI - Nelnet Inc 16.94 16.94 12.59 20.04 2.53 1.12 1.23 11.96 8.20 1.14 1.17 0.20 14.69 18.31 6.78 0.69 2.89 9 -2.46 8.01 0.01 0.11 N/A 0.67 5.80 5.00
QFIN - 360 DigiTech Inc 6.23 6.23 1.23 1.71 2.04 2.04 5.73 5.68 27.54 31.04 38.91 12.47 8.81 2 -1.46 0.02 26.08 0.34 N/A
Average 89.58 89.57 20.81 6.43 4.90 11.88 8.37 18.69 136.71 21.59 29.21 0.61 1.83 0.32 27.15 18.59 13.49 22.77 17.86 2.48 47.63 7.41 6.91 1.48 4 -2.16 4.59 5.84 0.17 39.91 1.77 80.37 -38.69 7.96 2.21 2.21 27.65 1.12 8.62 5.42

* All ratios are current value


Historical Key Ratio Charts


* All ratios are median value

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