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2018 Market Analysis & Industry Outlook: Consumer Lending

Overview: the U.S. Consumer Lending Industry

This section provides answers to key questions about the industry:

  1. What is the total market size (industry revenue)?
  2. What is the industry outlook?
  3. Market Analysis: Is the market growing or declining, and how quickly?
  4. Are long-term forecasts positive or negative?
  5. What is the average company size in the industry?
  6. How many companies are in the industry?

Market Size & Industry Statistics

The total U.S. industry market size for Consumer Lending: Industry statistics cover all companies in the United States, both public and private, ranging in size from small businesses to market leaders. In addition to revenue, the industry market analysis shows information on employees, companies, and average firm size.

Investors, banks, and business executives use growth rates and industry trends to understand the market outlook and opportunity.

market size 2018
Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Statistics 2012        2013        2014        2015        2016        2017
Market Size
(Total Sales/Revenue)

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Total Firms
Total Employees
Average Revenue Per Firm
Average Employees Per Firm
Statistics Source: U.S. Census, AnythingResearch Market Analysis

Market Forecast

Market forecasts show the long term industry outlook and future growth trends. The following five-year demand forecast projects both short-term and long-term trends.

market forecast

Forecast / Industry Outlook 2017 2018 2019 2020 2021 2022
Market Forecast ($ millions)
Projected Industry Growth Rate (%)
Source: AnythingResearch Economic Analysis

Product & Services Breakdown

Research products and services in the Consumer Lending industry generating sales. Note that products are broken into categories with different levels of classification.

Product DescriptionNumber of Companies Sales ($ millions) Percent of Total Sales

Industry Total

Loan Services - Income

Loans To Financial Businesses

Loans To Non-Financial Businesses

Residential Mortgage Loans

Vehicle Loans, Consumer

All Other Secured Or Guaranteed Loans To Consumers

Unsecured Loans To Consumers

Leasing Services - Income

Operating Leases - Other

Installment Credit Services - Income

Sales Financing, Business

Sales Financing, Consumer

Other Credit Financing Services - Income

Other Products Supporting Financial Services - Fees

U.S. Geographic Distribution: Revenue Statistics by State

Market Size by State ($ millions) indicates how the industry's competition is distributed throughout the country. State-level information can identify areas with higher and lower industry market share than average.

U.S. map by state

Income Statement (Average Financial Metrics)

Financial metrics provide a snapshot view of a benchmark "average" company. Key business metrics show revenue and operating costs. The data collected covers both public and private companies.

Industry AveragePercent of Sales
(Industry Benchmark)
Total Revenue

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Operating Revenue
Cost of Goods Sold
Gross Profit

Operating Expenses
Pension, profit sharing plans, stock, annuity
Rent paid on business property
Charitable Contributions
Domestic production activities deduction
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
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: AnythingResearch Analysis of U.S. federal statistics

Financial Ratio Analysis

Financial ratio information can be used to benchmark how a Consumer Lending company compares to its peers. Accounting statistics are calculated from the industry-average for income statements and balance sheets.

Profitability & Valuation RatiosIndustry Average
Company valuation can be measured based on the firm's own performance, as well as in comparison against its industry competitors. These metrics show how the average company in the Consumer Lending industry is performing.
Profit Margin
Gross Profit Margin, Operating Profit Margin, and Net Profit Margin. Show company earnings relative to revenues.
Return on Equity (ROE)
Return on Equity (ROE) is net income as a percentage of shareholders' equity. Shareholders' Equity is defined as the company's total assets minus total liabilities. ROE shows how much profits a company generates with the money shareholders invested (or with retained earnings).
Return on Assets (ROA)
Return on Assets (ROA) is net income relative to total assets. The market research on Consumer Lending measures how efficiently the company leverages its assets to generate profit. ROA is calculated as Net Income divided by Total Assets.

Liquidity RatiosIndustry Average
Bankers and suppliers use liquidity 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.
Quick Ratio (Acid Test)
Calculates liquid assets relative to liabilities, excluding inventories.

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

Compensation & Salary Surveys for Employees

Compensation statistics provides an accurate assessment of industry-specific jobs and national salary averages. This information can be used to identify which positions are most common, and high, low, and average annual wages.

TitlePercent of WorkforceBottom Quartile Average (Median) SalaryUpper Quartile
Management Occupations 6%

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Chief Executives0%
General and Operations Managers2%
Business and Financial Operations Occupations 31%
Financial Specialists 27%
Credit Counselors and Loan Officers 20%
Loan Officers 19%
Sales and Related Occupations 11%
Office and Administrative Support Occupations 46%
Financial Clerks 10%
Information and Record Clerks 26%
Customer Service Representatives 8%
Customer Service Representatives 8%
Loan Interviewers and Clerks 15%
Loan Interviewers and Clerks 15%
Source: Bureau of Labor Statistics

Consumer Lending Industry Market Share [PREMIUM]

Largest companies in the industry and related industries, with private company revenue estimates.

CompanyAddressRevenue Estimate

Innovation News

  • Mercedes-Benz Financial Services Usa raises $1,000 million in funding. - 03/05/2018
  • Flagship Credit Acceptance trademarks "FDS" - Loan financing services and lending services - 02/20/2018
  • Security Group trademarks "PFSAUTO" - Computer software for loan management - 02/16/2018
  • Encompass Lending Group raises $1 million in funding. - 01/17/2018
  • Das Acquisition trademarks "THE HOME OF POSSIBILITY" - Mortgage banking; Mortgage brokerage; Mortgage financing services; Mortgage lending; Mortgage refinancing - 01/12/2018
  • FS Card raises $1 million in funding. - 12/06/2017
  • Zestfinance patents Systems And Methods For Parsing Opaque Data - 10/26/2017
  • Retail Capital patents System And Method For Credit Evaluation - 12/29/2016
  • Verifi patents System And Method For Providing Dispute Resolution For Electronic Payment Transactions - 07/02/2015

  • Top Innovators

    CompanyInnovation Score
    On Deck Capital21

    Additional companies, details and innovation scoring in the full report.

    Latest Industry News

    • Murky Military Lending Act requirements leave industry scrambling - The Military Lending Act was designed to protect active duty service ... Under the new interpretation, all retail installment contracts and consumer-protection product contracts must be updated to remove arbitration provisions or disclose that an ... (01/10/2018)
    • Outside Financial raises $1.5M to help consumers save $15B on their auto loans. - We help our customers to secure financing for new or used vehicles, as well as to refinance existing auto loans. Our consumer-first approach is designed to match lenders with happy, well-informed customers who outperform their credit scores, providing the ... (01/10/2018)
    • KBRA Releases 2017 Consumer Loan Marketplace Lending Year in Review and 2018 Outlook - NEW YORK--(BUSINESS WIRE)--Kroll Bond Rating Agency (KBRA) released its 2017 Consumer Loan Marketplace Lending Year in Review and 2018 Outlook. The accompanying research report highlights the fact that 2017 was a notable year in the consumer loan ... (01/10/2018)
    • As 2018 Begins, Lots Of Small Business Loan Options Are Open To Entrepreneurs - Further, SBA lending is strong, and smaller banks are among the most ... With a pro-business Trump Administration in Washington, consumer and investor optimism, and continued low unemployment and low fuel costs, the current economy makes now a good time ... (01/10/2018)
    • Top 10 Jungle Issues New Peak Lending Report Based on $3.8 Trillion in US Consumer Debt - Top 10 Jungle provides debt consolidation and debt relief comparison charts as a free service to consumers. DALLAS, Jan. 9, 2018 /PRNewswire/ -- Top 10 Jungle, a Dallas-based provider of slick digital content and top 10 product reviews, releases its latest ... (01/09/2018)
    • China Fintech: 2nd consumer credit bureau in sight now - As of now, the Credit Reference Center of the central bank is the only consumer credit bureau in China. Lending has always been the prerogative of traditional banking led by the Big Four in China. With the advent of Internet that started some twenty year ... (01/09/2018)
    • Jack Ma’s Debt Giant Grinds to Halt as China Curbs Micro-Loans - That marks an abrupt shift after Ant Financial issued a record 238 billion yuan ($37 billion) in 2017 of such securities backed by consumer loans. It comes after authorities announced on Dec. 1 they were requiring micro lenders to consolidate ABS into ... (01/09/2018)
    • US tax cuts, Chinese shadow banking and US consumer lending - Patrick Jenkins and guests discuss the pros and cons of US tax cuts for domestic and international banks, a crackdown by Chinese regulators on so-called entrusted lending and US Banking Editor Ben McLannahan interviews US Consumer Bankers Association boss ... (01/09/2018)
    • Jack Ma Debt Giant Grinds to Halt as China Curbs Micro-Loans - After selling billions of dollars of debt backed by consumer loans last year, Chinese billionaire Jack Ma’s Ant Financial is pausing such fundraising as the government steps up curbs on micro lending. The company hasn’t sold any asset-backed securities ... (01/08/2018)
    • Consumer borrowing grows at its fastest rate in 16 years - Total consumer credit increased a solid $28 billion in November ... Revolving credit, which is mostly made up of credit-card loans, accelerated to an annual rate of 13.3% in November, the fastest pace since last December and well above the 9.9% gain ... (01/08/2018)

    Government Contracts

    In 2016, the federal government spent a total of $5,185 on Consumer Lending. It has awarded 1 contracts to 1 companies, with an average value of $5,185 per company.   

    Top government vendors:

    CompanyFederal ContractsTotal Award Amount

    Segments classified within this market research report

    This industry market research report includes companies whose primary business is any of the following:
    Personal finance companies (i.e., unsecured cash loans), Personal credit institutions (i.e., Small loan companies (i.e., Consumer lending, Finance companies (i.e., Consumer finance companies (i.e., Student loan companies, Loan companies (i.e., consumer, personal, small, student), etc.

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