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2025 U.S. Industry Statistics & Market Forecast - Credit Bureaus
Market Size & Industry Statistics
The total U.S. industry market size for Credit Bureaus:
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.
| Statistics | 2020 2021 2022 2023 2024 | |
|---|---|---|
| Market Size (Total Sales/Revenue) |
Order at top of page | |
| Total Firms | ||
| Total Employees | ||
| Average Revenue Per Firm | ||
| Average Employees Per Firm | ||
| Average Revenue Per Employee | ||
Market Forecast
Market forecasts show the long term industry outlook and future growth trends. The following extended five-year forecast projects both short-term and long-term trends.
| Forecast / Industry Outlook | 2025 | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|---|
| Market Forecast ($ millions) | |||||
| Projected Industry Growth Rate (%) | |||||
Industry Insights
Major trends affect the Credit Bureaus industry include:- Increasing regulatory scrutiny and compliance requirements
- Shift towards digital and mobile-first platforms
- Growing importance of cybersecurity and data protection measures
- Expansion of data analytics and artificial intelligence applications
- Rising consumer awareness and demand for credit transparency
- Integration of alternative data into credit scoring
- Global expansion and localization of services
- Enhanced focus on financial inclusion
- Adaptation to changing interest rate environments
- Increasing competition from fintech and non-traditional players
Product & Services Breakdown
Research products and services in the Credit Bureaus industry generating sales. Note that products are broken into categories with different levels of classification.| Product Description | Number of Companies | Sales ($ millions) | Percent of Total Sales |
|---|---|---|---|
Industry Total |
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Credit Rating Services (Include Credit Investigation Services, Reporting Bureaus, And Credit Agencies.) |
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Individual Credit Rating Services |
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Commercial Credit Rating Services |
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All Other Receipts |
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All Other Operating Receipts |
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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.
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 Average | Percent of Sales (Industry Benchmark) |
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|---|---|---|
| Total Revenue | Order at top of page |
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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 Net Income | ||
Financial Ratio Analysis
Financial ratio information can be used to benchmark how a Credit Bureaus company compares to its peers. Accounting statistics are calculated from the industry-average for income statements and balance sheets.| Profitability & Valuation Ratios | Industry 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 Bureaus industry is performing. | |
| Profit Margin Gross Profit Margin, Operating Profit Margin, and Net Profit Margin. Show company earnings relative to revenues. |
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| 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). |
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| Return on Assets (ROA) Return on Assets (ROA) is net income relative to total assets. The market research on Credit Bureaus measures how efficiently the company leverages its assets to generate profit. ROA is calculated as Net Income divided by Total Assets. |
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| Liquidity Ratios | Industry 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. |
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| Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories. |
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| Efficiency Ratios - Key Performance Indicators | Industry 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. |
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| Average Collection Period Based on the Receivables Turnover, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover |
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| Inventory Turnover A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort. |
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| 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. |
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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.| Title | Percent of Workforce | Bottom Quartile | Average (Median) Salary | Upper Quartile |
|---|---|---|---|---|
| Management Occupations | 5% | Order at top of page |
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| Chief Executives | 0% | |||
| General and Operations Managers | 3% | |||
| Business and Financial Operations Occupations | 7% | |||
| Business Operations Specialists | 6% | |||
| Sales and Related Occupations | 17% | |||
| Other Sales and Related Workers | 8% | |||
| Telemarketers | 8% | |||
| Telemarketers | 8% | |||
| Office and Administrative Support Occupations | 61% | |||
| Financial Clerks | 9% | |||
| Bill and Account Collectors | 7% | |||
| Bill and Account Collectors | 7% | |||
| Information and Record Clerks | 39% | |||
| Customer Service Representatives | 36% | |||
| Customer Service Representatives | 36% | |||
| Other Office and Administrative Support Workers | 5% | |||
Credit Bureaus Competitor Landscape & Key Companies [PREMIUM]
The most influential companies in the Credit Bureaus industry and adjacent industries either have large market share or are developing new business models and methods that could disrupt the status quo. We look at leading and emerging companies in the Credit Bureaus industry and adjacent sectors:| Market Leaders: Direct Competitors Companies with the largest market share, focused in this industry |
Market leaders: Diversified Competitors Largest companies that have diversified operations in this and other industries |
| Innovators: Direct Competitors Innovative, Emerging, and Disruptive Companies that may influence the future direction of the industry. |
Innovators: Diversified Competitors Innovators and Disruptors in adjacent industries that may also affect the Credit Bureaus industry. |
Source:
Latest Industry News
- The company behind your credit score is plunging on the stock market after a White House announcement - Federal Housing Finance Agency director Bill Pulte announced that lenders may start using VantageScore, a rival to the Fair Isaac Corporation, the company behind the widely recognized FICO score, to assess creditworthiness for government-sponsored Fannie Mae or Freddie Mac mortgages. (07/08/2025)
- Pulte Updated the Credit Score Policy for Mortgages. That Hit FICO Stock Today. - FHFA Director William Pulte said that lenders may now use VantageScore 4.0, an alternative to the FICO score, while assessing applicants. (07/08/2025)
- Credit scores will get a buy-now-pay-later update. Here’s what that means. - With BNPL loans exploding in popularity, a change is coming to credit scoring that shows just how mainstream they have become in consumer finance. (07/07/2025)
- I Put a Fraud Alert on My Credit Reports. Here's Why You Should, Too - Setting up fraud alerts on your credit reports only takes a few minutes. They can protect your identity and your money. (07/05/2025)
- If you're missing buy now pay later payments, FICO's new credit score plan may hurt you - FICO said it'll start including buy now pay later in credit scores. That could hurt the growing share of users who are missing payments. What to know. (07/03/2025)
- Etihad Credit Bureau key pillar of sustainable development: UBF - The UAE Banks Federation (UBF) has underlined the pivotal role of Etihad Credit Bureau in advancing the UAE’s banking and financial sector, reinforcing the country’s standing as a global financial and commercial hub. (07/03/2025)
- Consumer Financial Protection Bureau dismisses $95M overdraft case vs. Navy Federal Credit Union - The Consumer Financial Protection Bureau, led by President Trump’s administration, has dropped a case against Navy Federal Credit Union. (07/01/2025)
- What do the 3 credit bureaus do? - MSN - The three major credit bureaus, Experian, TransUnion and Equifax, all collect data on credit activity. From how much debt you currently have to how long your oldest account has been open, credit ... (07/01/2025)
- Pulte plans 'full scale review' of credit bureaus - Bill Pulte, regulator and conservator of entities that buy and securitize many mortgages, also reaffirmed he's 'not happy with" lenders' main score provider. (06/30/2025)
- Buy Now, Pay Later loans will soon affect some credit scores - Typically, when using Buy Now, Pay Later loans, consumers pay for a given purchase in four installments over six weeks, in a model more similar to layaway than to a traditional credit card. The loans are marketed as zero-interest, and most require no credit check or only a soft credit check. (06/27/2025)
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