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2018 Market Analysis & Industry Outlook: Credit Intermediation


Overview: the U.S. Credit Intermediation 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 Intermediation: 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 Credit Intermediation 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

Credit Card Services - Income

Factoring Services - Fees

Leasing Services - Income

Installment Credit Services - Income

Other Credit Financing Services - Income

Securities Origination Services

Brokering And Dealing Services For Debt Instruments

Brokering And Dealing Services For Equities

Brokering And Dealing Services For Derivative Contracts

Brokering And Dealing Services For Investment Company Securities, Including Mutual Funds, Closed-End Funds, And Unit Investment

Financing Related To Securities

Trading Debt Instruments On Own Account - Net Gains (Losses)

Trading Other Securities And Commodity Contracts On Own Account - Net Gains (Losses)

Deposit Account Service Packages, Except Business

Separately-Priced Deposit Account Services, Except Business

Cash Handling And Management Services For Business

Document Payment Services

Foreign Currency Exchange Services - Fees

Trust Services - Fiduciary Fees

Support Services For Financial And Commodity Markets

Automated Clearinghouse (Ach) Services - Fees

Financial Planning And Investment Management Services

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
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 Intermediation 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 Intermediation 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 Intermediation 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 8%

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Chief Executives0%
General and Operations Managers2%
Operations Specialties Managers 6%
Business and Financial Operations Occupations 21%
Financial Specialists 18%
Credit Counselors and Loan Officers 10%
Loan Officers 10%
Computer and Mathematical Occupations 6%
Computer Occupations 5%
Sales and Related Occupations 9%
Sales Representatives, Services 6%
Securities, Commodities, and Financial Services Sales Agents 5%
Securities, Commodities, and Financial Services Sales Agents 5%
Office and Administrative Support Occupations 56%
Supervisors of Office and Administrative Support Workers 6%
First-Line Supervisors of Office and Administrative Support Workers 6%
First-Line Supervisors of Office and Administrative Support Workers 6%
Financial Clerks 26%
Bill and Account Collectors 6%
Bill and Account Collectors 6%
Tellers 20%
Tellers 20%
Information and Record Clerks 19%
Customer Service Representatives 9%
Customer Service Representatives 9%
Loan Interviewers and Clerks 6%
Loan Interviewers and Clerks 6%
Other Office and Administrative Support Workers 6%
Source: Bureau of Labor Statistics


Credit Intermediation Industry Market Share [PREMIUM]

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

CompanyAddressRevenue Estimate









Innovation News

  • Rategenius trademarks "RATEGENIUS" - Online loan brokering services in the field of borrowing and lending transactions; Online consumer loan brokering services in the field of borrowing and lending secured and unsecured loan transactions; consumer loan brokerage services; Insurance consultation and brokerage - 03/03/2018
  • Dwolla raises $5 million in funding. - 02/15/2018
  • Paramount Equity Mortgage trademarks "FINANCE MADE FRIENDLY" - Mortgage brokerage; mortgage lending; mortgage procurement for others; mortgage lending and financial services - 02/03/2018
  • Solutran patents Dual Redemption Path With Shared Benefits System And Method - 02/01/2018
  • Aod Management trademarks "ANGELS OF DEBT" - Debt counseling services; Debt management consultation; Debt management services - 01/26/2018
  • Remitly raises $6 million in funding. - 11/22/2017
  • Inheritance Funding raises $25 million in funding. - 10/16/2017
  • Sigue patents Securing Transactions On An Insecure Network - 07/27/2017
  • Paynearmeinc. patents Payment System To Facilitate Transactions - 11/24/2016




  • Top Innovators

    CompanyInnovation Score
    Mastercard International2249
    American Express Travel Related Services1436
    Jpmorgan Chase Bank N.a.1117

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

    Latest Industry News

    • NBFC Samunnati gets ?150 crore in funding - Samunnati Financial Intermediation & Services, in a statement. Samunnati said it operates in a market that needs more than $50 billion of credit every year. It said the financial constraints in agriculture remained pervasive, and the availability of credit ... (01/09/2018)
    • Getting Beyond Getting Government Out of the Way: A Review of The Captured Economy - It is probably counterproductive; weaker FDIC insurance would have meant more credit intermediation in the shadow banking sector, where the real, documented problems were. But if you are going this route, you should be able to point to actions that matches ... (01/04/2018)
    • ADGM introduces enhanced prudential regime for investment firms - The Financial Services Regulatory Authority, FSRA, of Abu Dhabi Global Market, ADGM, will publish and ‘go live’ with a number of enhancements to its "Prudential – Investment, Insurance Intermediation ... Capital Buffer, Credit Valuation Adjustment ... (01/04/2018)
    • UAE- ADGM introduces enhanced prudential regime for investment firms - ABU DHABI, 3rd January, 2018 (WAM) -- The Financial Services Regulatory Authority, FSRA, of Abu Dhabi Global Market, ADGM, will publish and ‘go live' with a number of enhancements to its "Prudential Investment, Insurance Intermediation and Banking", PRU ... (01/04/2018)
    • Management of step-in risk in banks - Global surge in volumes The Financial Stability Board (FSB) measures shadow banking as “credit intermediation involving entities and activities (fully or partly) outside of the regular banking system”. Some authorities and market participants prefer to ... (01/01/2018)
    • Oman's banking sector continues to witness robust growth - The combined balance sheet of conventional and Islamic banks (other depository corporations), taken together, provides a complete overview of the financial intermediation taking place in the banking system in Oman. Credit to the private sector increased by ... (12/30/2017)
    • 8,000 Financial Jobs Added in November - The finance and insurance sector lost 400 jobs in November; securities and commodities gained 2,700 jobs, while insurance and credit intermediation lost 2,300 and 800 jobs, respectively. Since the beginning of the year, the finance and insurance sector has ... (12/30/2017)
    • America’s 25 dying industries include sound studios, textiles, newspapers - Employment change 2007-2016: -45.3% Employment total: 11,374 Wage growth 2007-2016: 19.6% Avg. annual wage: $72,701 Depository credit intermediation, or bank lending, declined substantially after the Great Recession, and has yet to fully recover. (12/28/2017)
    • After Net Neutrality Vote, Fake Comments Are Still Flooding Federal Websites - would’ve been like listening to Ben Bernanke discuss the effect of the Great Depression on credit intermediation after swallowing a bottle full of Ambien. So here we are: Instead of playing on their phones, high school students were watching an FCC open ... (12/27/2017)


    Government Contracts

    In 2016, the federal government spent a total of $1,300,682,182 on Credit Intermediation. It has awarded 1,569 contracts to 130 companies, with an average value of $10,005,248 per company.   

    Top government vendors:

    CompanyFederal ContractsTotal Award Amount