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The Premium Report on Consumer Lending contains information used by Marketing Departments in many of the Fortune 1,000 companies and beyond. The report helps identify industry changes, trends, key players, and growth opportunities.

Contents:
Current State of the Industry
Market Size
Market Forecast
Products and Services Breakdown
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News
Largest Government Vendors

Current State of the Consumer Lending Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Consumer Lending

The total U.S. market size for the Consumer Lending industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Market Forecast - Consumer Lending

Market forecasts show the long term outlook for the Consumer Lending industry. The following five-year forecast utilizes advanced econometric techniques that take into account both short-term and long-term industry trends.

Forecast	2009	2010	2011	2012	2013	2014
Revenue ($ billion)	AVAILABLE

Source: AnythingResearch.com Economic Analysis

Income Statement (Average Financial Metrics) - Consumer Lending

Financial metrics provide a snapshot view of an "average" company in the Consumer Lending industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Consumer Lending

Financial ratios can be used to compare how a company in the Consumer Lending industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Consumer Lending Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Consumer Lending Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Geographic Distribution

The concentration of employees by states indicates how the industry (companies and workforce) is distributed throughout the country.

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Move mouse over states to see employment numbers
Note: Round numbers are estimates. Precise numbers are actuals.

Source: US Census

Compensation & Salary Surveys for Employees Working in Consumer Lending

Compensation statistics provides an accurate assessment of jobs in the Consumer Lending industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	31%
Loan officers	19%
Sales and related occupations	11%
Office and administrative support occupations	45%
Customer service representatives	8%
Loan interviewers and clerks	14%

Source: Bureau of Labor Statistics

Companies in Consumer Lending and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Consumer Lending Company News

Web scan for recent news about publicly traded companies in the Consumer Lending industry.

Government Contracts Related to Consumer Lending

In 2008, the federal government spent a total of $55,629 on Consumer Lending. It has awarded 4 contracts to 2 companies, with an average value of $27,815 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Consumer Lending contains the key pieces of information used by strategy and management consultants to identify market trends and accurately measure growth and industry performance.

Contents:
Current State of the Industry
Market Size
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News

Current State of the Consumer Lending Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Consumer Lending

The total U.S. market size for the Consumer Lending industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Income Statement (Average Financial Metrics) - Consumer Lending

Financial metrics provide a snapshot view of an "average" company in the Consumer Lending industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Consumer Lending

Financial ratios can be used to compare how a company in the Consumer Lending industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Consumer Lending Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Consumer Lending Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Compensation & Salary Surveys for Employees Working in Consumer Lending

Compensation statistics provides an accurate assessment of jobs in the Consumer Lending industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	31%
Loan officers	19%
Sales and related occupations	11%
Office and administrative support occupations	45%
Customer service representatives	8%
Loan interviewers and clerks	14%

Source: Bureau of Labor Statistics

Companies in Consumer Lending and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Consumer Lending Company News

Web scan for recent news about publicly traded companies in the Consumer Lending industry.

• Mixed outlooks in consumer, biz survey: New York residents and businesses offered mixed opinions on the economy, their personal financial situation and the outlook for commerce in a recent survey conducted by Capital One Bank.
• Moneylenders in Japan Brace for Losses, Shakeout on New Rules: Japans consumer finance companies face multibillion-dollar losses and an industry shakeout as stricter loan rules that take effect today force them to slow lending, analysts said.
• Takefuji Rises on Convertible Bond Redemption Plan: Takefuji Corp. advanced in Tokyo trading after a company official said Japans third-largest consumer lender will be able to redeem 41.4 billion yen ($453 million) of convertible bonds on time.
• Takefuji Surges on Convertible Bond Redemption Plan: Takefuji Corp. surged the most in seven months in Tokyo trading after a company official said Japans third-largest consumer lender will be able to redeem 41.4 billion yen ($453 million) of convertible bonds on time.
• Takefuji Surges on Convertible Bond Redemption Plan: June 17 (Bloomberg) -- Takefuji Corp. , Japans third- largest consumer lender by market value, rose the most in more than seven months after a company official said it will be able to redeem 41.4 billion yen ($453 million) of convertible bonds.
• Payday lending trap: Desperate times drive many to seek a quick fix: If you're a finish carpenter and there hasn't been anything to finish, or even start, for the last 18 months, waiting at a...
• ASB announces increases to variable home lending: ASB has today announced increases to both its variable home lending and most savings account rates. Changes have also been made to the six and 12 month fixed lending rates.
• Toronto-Dominion Sets $1.6 Billion Profit Target for U.S.: June 16 (Bloomberg) -- Toronto-Dominion Bank , Canadas second-largest bank, set a profit target of $1.6 billion for its U.S. consumer-lending business within three years, according to a presentation to investors today.
• Consumer banking scores for Citi S'pore: This is a sample news brief, which will appear in the front-page of the site, if selected as so. Just follow the format shown here, and replace this text, and it will come out fine. The image tag which you see at the beginning of this paragraph corresponds to the respective image, which you will upload below. You can place such image tags wherever in any paragraph, and the corresponding image ...
• China economy overheating?: (May 11) - Chinas inflation accelerated at the fastest pace in 18 months, bank lending exceeded estimates and property prices jumped by a record high sparking worries that the Chinese economy is overheating. Latest figures from Chinas statistics bureau today showed consumer prices rose 2.8 per cent in April from a year earlier the fastest rate since late-2008 and property prices jumped ...
• Chinas Shanghai Composite Drops, Briefly Entering Bear Market: May 10 (Bloomberg) -- Chinas stocks fell, briefly entering a bear market, on the prospect the government will continue to tighten lending and step up measures to curb soaring housing prices to prevent the economy from overheating.
• Payday lending blossoms in Janesville: While most lawmakers say its a step in the right direction, consumer advocates say Wisconsins pending payday loan legislation doesnt go far enough to free borrowers from a cycle of debt anchored by sky-high annual interest rates.
• Cashpoints: Mortgage lending slows in March: This week's top news stories Virginia Wallis answers your homebuying questions Ten of the best free things to do this summer This week's top stories Mortgage lending slowed sharply in March compared to the previous month, according to latest Bank of England figures, in a sign that the housing market recovery could be running out of steam. Nearly 4 million graduates and students face ...
• Payday lenders fight regulation with call-in campaign: As legislation advances in Congress to crack down on consumer-unfriendly lending practices, staffers in the offices of California Sens. Barbara Boxer and Dianne Feinstein noticed a funny thing this week: Customers of payday lenders were calling by the hundreds to oppose the bill, and all seemed to be repeating the exact same phrases.
• Dealers claim reform bill could hamper auto lending: A new poll commissioned by the National Automobile Dealers Association found that only 41% of adults support a Wall Street reform that would regulate auto dealers if it becomes "more challenging and expensive to get financing through a car dealership."

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