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2018 Market Analysis & Industry Outlook: Credit Card Issuing


Overview of the U.S. Credit Card Issuing 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 Credit Card Issuing: 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)


Order at top of page
Total Firms
Total Employees
Average Revenue Per Firm
Average Employees Per Firm
Statistics Source: U.S. Census, AnythingResearch Market Analysis



Market Forecast[PREMIUM]

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 Credit Card Issuing 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 Non-Financial Businesses

Vehicle Loans, Consumer

All Other Secured Or Guaranteed Loans To Consumers

Unsecured Loans To Consumers

Credit Card Services - Income

Credit Card Services For Cardholders, Business And Government

Credit Card Services For Cardholders, Consumer

Credit Card Services For Merchants

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 of Credit Card Issuing 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
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: AnythingResearch Analysis of U.S. federal statistics




Financial Ratio Analysis

Financial ratio information can be used to benchmark how a Credit Card Issuing 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 Credit Card Issuing 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 Credit Card Issuing 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 7%

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Chief Executives0%
General and Operations Managers2%
Business and Financial Operations Occupations 29%
Financial Specialists 25%
Credit Counselors and Loan Officers 15%
Loan Officers 15%
Computer and Mathematical Occupations 6%
Computer Occupations 5%
Sales and Related Occupations 10%
Office and Administrative Support Occupations 47%
Financial Clerks 12%
Bill and Account Collectors 6%
Bill and Account Collectors 6%
Information and Record Clerks 25%
Customer Service Representatives 9%
Customer Service Representatives 9%
Loan Interviewers and Clerks 12%
Loan Interviewers and Clerks 12%
Source: Bureau of Labor Statistics


Credit Card Issuing Industry Market Share [PREMIUM]

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

CompanyAddressRevenue Estimate









Innovation News

  • Vanco Payment Solutions trademarks "GIVEPLUS" - Electronic payment terminals; computer applications for mobile phones, tablets and computers for making electronic payments and transferring funds and tracking the status of payments and transfers - 12/26/2017
  • Epic International trademarks "EPICPAY" - Electronic Payment Processing; Credit Card Processing; Electronic Check and ACH Processing; Payment Platform Technology; Payment Gateway Services; Payment ECO Systems; Mobile Payment Applications; Text To Give; ECommerce Payment Technology; Payment Management Services; Payment Security Technology; Payment Tokenization - 12/22/2017
  • Discover Financial Services trademarks "DISCOVER" - CHIP CARDS; COMPUTER E-COMMERCE SOFTWARE TO ALLOW USERS TO PERFORM ELECTRONIC BUSINESS TRANSACTIONS VIA A GLOBAL COMPUTER NETWORK; COMPUTER SOFTWARE FOR PROVIDING AN ON-LINE DATABASE IN THE FIELD OF TRANSACTION PROCESSING TO UPLOAD TRANSACTIONAL DATA, PROVIDE STATISTICAL ANALYSIS, AND PRODUCE NOTIFICATIONS AND REPORTS; COMPUTER SOFTWARE, NAMELY, ELECTRONIC FINANCIAL PLATFORM THAT ACCOMMODATES MULTIPLE TYPES OF PAYMENT AND DEBT TRANSACTIONS IN AN INTEGRATED MOBILE PHONE, PDA, AND WEB BASED ENVIRONMENT; DOWNLOADABLE SOFTWARE IN THE NATURE OF A MOBILE APPLICATION FOR MANAGING CREDIT CARD ACCOUNTS AND PERFORMING CONTACTLESS CREDIT CARD TRANSACTIONS; DOWNLOADABLE MOBILE APPLICATIONS FOR MANAGING CREDIT CARD ACCOUNTS AND PERFORMING CONTACTLESS CREDIT CARD TRANSACTIONS; ENCODED ELECTRONIC CHIP CARDS CONTAINING PROGRAMMING USED FOR AUTHENTICATION IN FINANCIAL TRANSACTIONS; ELECTRONIC DATA CARRIERS IN THE FORM OF MAGNETICALLY ENCODED CARDS; MAGNETICALLY ENCODED DEBIT CARDS; MAGNETICALLY ENCODED CREDIT CARDS; DEBIT CARDS; CREDIT CARDS; MAGNETICALLY ENCODED CHARGE CARDS; MAGNETICALLY ENCODED GIFT CARDS AND PREPAID CARDS; MICROCHIP CARDS; MAGNETIC ENCODED CARDS AND COMPUTER SOFTWARE FOR TRANSMITTING, DISPLAYING AND STORING TRANSACTION, IDENTIFICATION AND FINANCIAL INFORMATION FOR USE IN THE FINANCIAL SERVICES AND BANKING INDUSTRIES; MAGNETICALLY CODED CARDS; ELECTRONICALLY CODED CARDS; COMPUTER SOFTWARE FOR TRANSMITTING, DISPLAYING AND STORING TRANSACTION, IDENTIFICATION AND FINANCIAL INFORMATION FOR USE IN THE FINANCIAL SERVICES, BANKING AND TELECOMMUNICATION INDUSTRIES;. COMPUTER SOFTWARE FOR FACILITATING AND ADMINISTERING PAYMENT, BANKING, CREDIT CARD, DEBIT CARD, PAYMENT CARD, ELECTRONIC PAYMENTS, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA, TRANSACTION AUTHENTICATION, ROUTING, AUTHORIZATION, FRAUD DETECTION AND CONTROL, AND ENCRYPTION SERVICES; COMPUTER SOFTWARE FOR A DIGITAL WALLET THAT STORES CUSTOMER ACCOUNT INFORMATION; COMPUTER SOFTWARE TO ENABLE SMART CARDS, MOBILE PHONES AND MOBILE DEVICES TO INTERACT WITH TERMINALS AND CARD READERS; COMPUTER SOFTWARE FOR TRANSMITTING, DISPLAYING AND STORING TRANSACTIONS, IDENTIFICATIONS AND FINANCIAL INFORMATION FOR USE IN THE FINANCIAL SERVICES, BANKING AND TELECOMMUNICATIONS INDUSTRIES; MANAGING AND ANALYSIS OF FINANCIAL ACCOUNTS VIA A GLOBAL COMPUTER NETWORK; COMPUTER SOFTWARE FOR FACILITATING PAYMENT TRANSACTIONS BY ELECTRONIC MEANS OVER WIRELESS NETWORKS, GLOBAL COMPUTER NETWORKS AND/OR MOBILE TELECOMMUNICATIONS DEVICES; DOWNLOADABLE SOFTWARE APPLICATION FOR USE IN CONNECTION WITH CONTACTLESS PAYMENT TERMINALS FOR THE PURPOSE OF ALLOWING MERCHANTS TO ACCEPT CONTACTLESS MOBILE COMMERCE TRANSACTIONS - 12/15/2017
  • Catalyst Card raises $3 million in funding. - 09/14/2017
  • ECHO Payment Systems raises $3 million in funding. - 03/16/2017
  • Frontier Bancshares raises $20 million in funding. - 01/13/2017
  • Galileo Processing patents Gps Linked Open Network Transactions - 12/01/2016
  • Discover Financial Services patents Multi-party Fund Disbursement - 09/24/2015
  • Barclays Bank Delaware patents Systems And Methods For Providing Account Information - 11/28/2013




  • Top Innovators

    1192211
    CompanyInnovation Score
    Discover Financial Services119
    Galileo Processing22
    Barclays Bank Delaware11
    Fia Card Services National Association

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

    Latest Industry News

    • Using credit cards is important for your financial health — here’s why - Banks that issue loans and credit cards use the information in your credit profile to determine how trustworthy you are, and how likely it is that you'll pay back whatever you may owe in the future. Your credit score, meanwhile, is a numerical ... (01/11/2018)
    • It's no coincidence credit card debt and income inequality are at new highs - The key to the psychological resolution — though not one the credit card issuer will accept when the bill comes due — lies in the fact that they’ve already made the purchase. When it comes to cognitive dissonance, the idea that wins is often the one ... (01/10/2018)
    • Why a medical credit card can mean more aches and pains - And the medical provider is promptly paid by the card issuer. Before signing up for a medical credit card, experts suggest researching other options. In some cases, medically necessary procedures might be available for a discounted rate or even for free at ... (01/10/2018)
    • New Year's Resolutions to Get Credit Cards Working for You - You can do this by calling the number on the back of your card or by going to a local branch of the issuing bank. Use credit card rewards to book a vacation If you have a stash of credit card points, consider using them to book your 2018 vacation. (01/10/2018)
    • Medical credit cards can mean aches and pains for patients - And the medical provider is promptly paid by the card issuer. Before signing up for a medical credit card, experts suggest researching other options. In some cases, medically necessary procedures might be available for a discounted rate or even for free at ... (01/10/2018)
    • Credit Card Closed? 6 Things You Need to Do Now - ... rather than asking the card issuer sign up for a new card product. Having the account converted means the card’s history is preserved. If you get a new card entirely, the history is lost. Just because a credit card is closed does not mean that you ... (01/10/2018)
    • CFPB releases report on college credit card agreements - The 2017 report, which revives the title “College credit card agreements,” abandons that practice and ... dominant agreements and alumni associations increased their share of issuer payments. The largest agreements by each of the three metrics of ... (01/10/2018)
    • Credit card debt just hit $1 trillion. Here's how to pay off yours - The jump now puts credit card debt at an all-time high of $1.023 trillion. Many analysts agree that this figure doesn’t pose an immediate threat to the economy, but it could become an issue if debt continues to trend in this direction. Matt Schultz ... (01/10/2018)
    • Credit card mistakes? Here's how to get your money back. - To resolve a credit-based dispute with vendors that pertains to the quality of goods and services, you must first make a good-faith effort to resolve the situation with the vendor. Unless there is a direct relationship between the card issuer and the ... (01/09/2018)
    • Credit card debt hits new record, raising warning sign - The ratio of credit card debt to U.S. gross domestic product is about 5%, compared with 6.5% in 2008, he says. “It’s a potential early warning sign but not a financial stability issue” for the broader economy, Caprio says. Still, Caprio notes that ... (01/08/2018)


    Government Contracts

    In 2016, the federal government spent a total of $12,500 on Credit Card Issuing. It has awarded 1 contracts to 1 companies, with an average value of $12,500 per company.   

    Top government vendors:

    CompanyFederal ContractsTotal Award Amount



    Growth Opportunities / Competitive Threats

    Companies in other industries may also sell similar products. Since there is an overlap in the customer base, there may be an opportunity for companies in Credit Card Issuing to sell additional products/services offered by these adjacent industries. Alternatively, these industries may identify further products in this industry to target. Products most at risk are those with the highest profit margins and lowest barriers to entry.

    The following industries are competing channels for sales of similar products/services.

    Credit Card Products - Income
    Competing IndustrySales Relative to Credit Card IssuingOpportunity/Threat
    Financial Transactions Processing, Reserve & Clearinghouse Activities Competing industry
    Commercial Banking Competing industry
    Credit Unions Competing industry

    Sales from other industries of Credit Card Products - Income are less than those from Credit Card Issuing. This may mean that other channels are a competitive risk of increasing their Credit Card Products - Income sales, taking market share from this industry.
    Credit Card Products - Income Product Sales Report



    Credit Card Cardholder Products - Consumer
    Competing IndustrySales Relative to Credit Card IssuingOpportunity/Threat
    Commercial Banking Competing industry
    Credit Unions Competing industry

    Sales from other industries of Credit Card Cardholder Products - Consumer are less than those from Credit Card Issuing. This may mean that other channels are a competitive risk of increasing their Credit Card Cardholder Products - Consumer sales, taking market share from this industry.
    Credit Card Cardholder Products - Consumer Product Sales Report



    Credit Card Merchant Products
    Credit Card Merchant Products Product Sales Report

    Credit Card Cardholder Products - Business And Government
    Credit Card Cardholder Products - Business And Government Product Sales Report

    Credit Card Association Products
    Credit Card Association Products Product Sales Report

    Loan Products - Income
    Loan Products - Income Product Sales Report



    Segments classified within this market research report

    This industry market research report includes companies whose primary business is any of the following:
    Charge card issuing, Credit card banks, Banks, credit card, Credit card issuing, Issuing, etc.



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