JPM
2nd
Jpmorgan Chase
$953.25Bn
358.61
-0.94%
+19.73%
The Consumer & Community Banking segment offers credit cards and other consumer credit products to individual consumers.
AXP
2nd
American Express
$220.11Bn
326.09
-1.15%
+0.74%
The company originates and services credit and charge cards for consumers and small businesses, generating significant revenue from interest on cardholder balances and annual fees.
COF
2nd
Capital One Financial
$134.69Bn
219.55
-0.42%
-0.80%
The company is the largest issuer of credit cards in the U.S. and provides personal loans and auto loans, generating significant revenue from interest income, interchange, and late fees.
SMFG
2nd
Sumitomo Mitsui Financial
$104.45Bn
27.29
-0.94%
+69.29%
The company operates a dedicated consumer finance business within its Retail Business Unit, providing credit products to individual consumers in Japan.
GGAL
2nd
Grupo Financiero Galicia
$58.78Bn
44.36
-0.60%
+15.40%
The company operates Tarjetas Regionales (Naranja X), which provides proprietary brand credit cards and consumer finance to the underbanked population.
RKT
2nd
Rocket Companies
$52.80Bn
14.06
-1.06%
-21.36%
The company operates Rocket Loans, which provides personal loans to consumers, generating interest income from these non-mortgage credit products.
SHG
2nd
Shinhan Financial
$39.23Bn
82.21
-2.78%
+72.02%
The company operates Shinhan Card, which generates revenue from credit card transaction fees, interest on revolving balances, and installment financing for consumers.
HBAN
2nd
Huntington Bancshares
$34.41Bn
17.03
-0.18%
-3.29%
The company has a dedicated Vehicle Finance segment that provides indirect auto lending through dealerships and direct lending to consumers for new and used vehicles.
SYF
Synchrony Financial
$25.97Bn
79.92
+0.09%
+5.87%
Synchrony Financial originates and services consumer credit products, specifically credit cards and consumer installment loans, for individual consumers. Its revenue is primarily derived from interest and fees on these loans and interchange revenue, and it does not operate as a deposit-taking bank.
AFRM
Affirm Holdings
$24.39Bn
72.35
-2.62%
-15.19%
Affirm originates and services consumer installment loans and buy now pay later (BNPL) products, generating revenue from interest income on these loans. It extends credit directly to consumers across the credit spectrum, from near prime to subprime borrowers.
KSPI
2nd
Joint Stock Co Kaspi.kz
$20.46Bn
107.53
-0.26%
+18.05%
The Fintech Platform provides direct consumer credit products, including Buy-Now-Pay-Later (BNPL) and general purpose loans, which are core revenue drivers.
WF
2nd
Woori Financial
$18.31Bn
74.83
-3.42%
+37.99%
The company has a dedicated Credit Cards segment providing credit purchase, cash advance, and installment options to consumers and corporates through Woori Card.
FUTU
2nd
Futu Holdings
$17.07Bn
121.75
-0.21%
-37.23%
The company generates a significant share of its total revenue from interest income derived from margin financing and securities lending provided to its users.
ALLY
2nd
Ally Financial
$13.31Bn
43.72
+0.30%
+6.97%
The company is a top provider of automotive financing, generating significant revenue from retail installment sales contracts and leases for consumers.
PAYP
2nd
PayPay
$11.54Bn
17.04
+0.65%
—
PayPay provides consumer credit products, including PayPay Credit and PayPay Card, generating revenue from interest income on revolving credit and cash advance balances.
TKC
2nd
Turkcell Iletisim Hizmetleri A S
$11.22Bn
5.10
+0.99%
-8.60%
Through its Financell brand, the company provides consumer and enterprise lending services as part of its Techfin segment.
KLAR
2nd
Klarna
$10.16Bn
14.40
+0.00%
-68.57%
The company provides extensive consumer credit products, specifically 'Pay Later' and 'Financing' options, which represent a significant portion of its gross merchandise volume and revenue through interest and fees.
FCFS
FirstCash Holdings
$9.79Bn
225.62
+0.76%
+50.67%
FirstCash's primary revenue driver is its pawn operations, which provide non-recourse pawn loans to unbanked and credit-constrained consumers. These loans generate significant revenue through pawn loan fees and service charges, which accounted for 46% of consolidated net revenue in 2025.
KT
2nd
Kt
$9.55Bn
19.81
-0.20%
-0.85%
Through its subsidiary BC Card, the company provides financial services and payment processing, contributing 14% of total operating revenue.
BBAR
2nd
Banco BBVA Argentina
$9.07Bn
14.81
-1.66%
+21.39%
The bank provides credit card financing and consumer loans to approximately 3,600,000 active retail clients.
OMF
OneMain Holdings
$8.67Bn
64.58
+0.00%
+4.11%
OneMain Holdings originates and services a large portfolio of consumer loans, including 2.3 million personal loans and 152 thousand auto finance loans, as well as 1.2 million credit card accounts. Its primary revenue is generated from interest income on these non-bank consumer credit products.
LAD
2nd
Lithia Motors
$8.51Bn
386.84
+2.17%
+16.60%
The company has a captive finance division that originates financing and insurance products for consumers, generating fee income and interest spread.
AN
2nd
Autonation
$7.03Bn
212.35
+2.61%
-3.60%
The company operates a captive auto finance company, AutoNation Finance, which provides consumer auto finance loans directly to retail customers and earns interest income.
CACC
Credit Acceptance
$6.27Bn
604.72
+0.52%
+16.36%
Credit Acceptance originates, underwrites, and services consumer auto loans for individuals with limited or impaired credit histories. Its revenue is primarily driven by finance charges, including interest income on these consumer loans, and it operates as a non-depository lender.
HRB
2nd
H&R Block
$6.05Bn
49.06
-3.99%
-3.80%
The company originates and services consumer credit products, specifically Emerald Advance term loans and Refund Advance loans, earning income from these lending activities.
ENVA
Enova International
$5.73Bn
230.32
-1.25%
+91.98%
Enova originates and services consumer installment loans and lines of credit through brands like CashNetUSA and NetCredit, earning revenue from interest income and fees. It operates as a non-depository lender targeting consumers with limited access to traditional credit.
AGBK
2nd
Agi
$5.72Bn
6.75
-1.60%
—
The company generates primary revenue from interest income on a loan portfolio consisting of consumer loans secured by social security benefits, FGTS balances, and payrolls.
RELY
2nd
Remitly Global
$5.54Bn
26.17
-2.79%
+34.55%
The company offers 'Remitly Flex,' a product that allows customers to 'send now and pay later,' which constitutes a form of consumer credit/lending.
SLM
Slm
$5.09Bn
27.08
+2.23%
-12.28%
The company's primary revenue is generated from the origination and holding of private student loans for undergraduate and graduate students. It operates as a non-bank consumer lender, earning interest income and origination fees from these personal education loans.
SKY
2nd
Champion Homes
$4.85Bn
87.72
+1.92%
+11.26%
Through its joint venture, Champion Financing, the company provides consumer retail financing products specifically tailored to the manufactured housing market for homebuyers.
PAGS
2nd
PagSeguro Digital
$4.78Bn
9.73
-2.21%
+6.92%
PagSeguro originates and services credit products, earning income from interest on loans provided to its merchant and consumer customer base.
HGTY
2nd
Hagerty
$4.65Bn
13.53
+0.67%
+15.05%
Through Broad Arrow Capital LLC, the company provides financing solutions and structures loans secured by collector cars for qualified customers.
NNI
2nd
Nelnet
$4.58Bn
127.22
-0.03%
-0.01%
The company originates and services a diverse portfolio of consumer loans, including private education loans, home improvement loans, and debt consolidation loans, earning interest income and origination fees.
BFH
Bread Financial Holdings
$4.29Bn
110.84
+1.79%
+68.27%
The company's core revenue is generated from issuing credit cards and providing installment and split-pay loans (Bread Pay) directly to consumers. It earns interest income, late fees, and interchange fees from these non-deposit-funded credit products.
TNL
2nd
Travel & Leisure
$4.06Bn
66.33
+0.00%
+6.21%
The company provides consumer financing for the majority of its vacation ownership sales, generating revenue from these credit extensions to its customers.
VAC
2nd
Marriott Vacations Worldwide
$3.67Bn
106.65
+7.47%
+37.21%
The company provides financing to consumers purchasing vacation ownership products, generating significant financing income from interest and servicing fees on loans originated to these purchasers.
INTR
2nd
Inter
$3.65Bn
5.66
-2.41%
-33.02%
The company has a dedicated Credit vertical that originates and services personal loans and credit cards for individuals and small businesses.
GPI
2nd
Group 1 Automotive
$3.58Bn
300.60
+5.72%
-36.08%
The company has a dedicated Finance and Insurance (F&I) segment that arranges vehicle financing and sells insurance products to consumers in connection with retail vehicle transactions.
HGV
2nd
Hilton Grand Vacations
$3.28Bn
42.02
+0.38%
-10.73%
The company generates a substantial portion of its revenue by financing and servicing loans provided directly to consumers for their VOI purchases.
STNE
StoneCo
$3.18Bn
10.11
-2.03%
-38.28%
StoneCo originates and services credit products including working capital loans, revolving credit, and credit cards for Brazilian merchants. These credit solutions are a core revenue driver, with a credit book reaching R$2,836.3 million by the end of 2025.
HOG
2nd
Harley-Davidson
$2.95Bn
28.31
+2.31%
-6.23%
Harley-Davidson Financial Services provides retail consumer loans to buyers of motorcycles, earning interest and fees from these credit products.
WU
2nd
Western Union
$2.24Bn
7.18
-0.83%
-17.66%
The company earns revenue from lending partnerships within its Consumer Services segment, providing credit-related products to consumers outside of a traditional deposit-taking bank structure.
HAPN
2nd
Happen
$2.05Bn
17.75
+0.97%
+8.50%
The company originates and services a wide array of consumer credit products, specifically personal loans for debt consolidation, auto refinance, and point-of-sale financing for healthcare.
EZPW
Ezcorp
$2.05Bn
33.32
+0.06%
+100.00%
Ezcorp provides cash advances (pawn loans) against personal property to individuals and small businesses, generating revenue primarily from pawn service charges. This is a form of consumer lending conducted outside a traditional deposit-taking bank.
CASH
2nd
Pathward Financial
$1.73Bn
83.19
+0.51%
+6.14%
The company provides consumer lending and credit solutions to individuals, specifically mentioning short-term credit and tax-related loans within its Consumer segment.
RBCAA
2nd
Republic Bancorp
$1.69Bn
96.80
+1.34%
+24.47%
The Republic Credit Solutions segment originates and services unsecured small dollar loans, including lines of credit and installment loans, specifically targeting subprime and near-prime borrowers.
PRG
PROG Holdings
$1.57Bn
39.32
+2.21%
+10.82%
PROG Holdings provides consumer credit products, specifically lease-to-own solutions via Progressive Leasing and buy-now-pay-later installments via Four. These services are extended directly to consumers for the purchase of durable goods like furniture and electronics, generating revenue from lease transactions and transaction income.
JCAP
2nd
Jefferson Capital
$1.23Bn
21.35
-0.14%
+11.08%
The company specifically targets consumer receivables, including credit card and auto finance portfolios, and generates revenue through the collection of payments from these individual consumer debtors.
QFIN
2nd
Qfin Holdings
$1.10Bn
9.06
+3.90%
-68.92%
The company operates a micro-lending subsidiary, Fuzhou Microcredit, through which it originates loans and collects interest income directly from borrowers.
HTT
High Templar Tech
$1.10Bn
2.60
+0.00%
-45.03%
The company's historical core business and primary revenue drivers involve providing credit solutions to young consumers in China, specifically earning financing income, loan facilitation income, and guarantee income from cash credit products.
LU
2nd
Lufax Holding
$1.08Bn
1.25
+2.46%
-59.28%
The company operates a licensed consumer finance subsidiary, Ping An Consumer Finance Co., Ltd., which provides small ticket loans for short term cash flow needs to retail consumers.
CCNE
2nd
Cnb Financial
$1.03Bn
34.91
+1.63%
+34.22%
The company owns Holiday Financial Services Corporation, a non-bank subsidiary that generates revenue through interest on consumer loans.
NBBK
2nd
NB Bancorp
$1.01Bn
23.16
+0.83%
+21.07%
The company operates a Consumer Lending segment offering auto, RV, boat, and student loans to individuals, including the purchase and servicing of consumer loan portfolios from third-party originators.
NAVI
Navient
$903.14Mn
9.63
+1.58%
-30.07%
Navient originates, underwrites, and services private education loans for students and families through its Earnest brand. It generates revenue from net interest income on these consumer loans and origination fees, operating outside a traditional deposit-taking bank structure.
CCB
2nd
Coastal Financial
$769.08Mn
50.33
+2.32%
-56.57%
Through its CCBX segment, the company provides banking-as-a-service that enables partners to deliver installment loans and credit cards to end users, earning interchange and servicing fees.
CWH
2nd
Camping World Holdings
$719.96Mn
6.97
+3.72%
-60.49%
The company facilitates RV financing for consumers and earns commissions from third-party lenders, as well as operating a co-branded credit card program to drive customer spending.
LEGH
2nd
Legacy Housing
$675.64Mn
28.41
+1.86%
+0.74%
The company provides consumer financing to end users who purchase homes, generating interest income and servicing charges from a portfolio totaling over two hundred million dollars.
GEMI
2nd
Gemini Space Station
$602.17Mn
4.68
-3.31%
-85.38%
The company offers a credit card program and spot margin trading, generating revenue from interchange fees and interest income on credit extended to users.
XYF
2nd
X Financial
$432.29Mn
5.53
+0.36%
-64.89%
The company generates significant financing income (23.5% of net revenues) from its microcredit business and interest on borrowers, indicating it also extends credit directly to consumers.
LSAK
Lesaka Technologies
$376.27Mn
4.52
-1.95%
-4.64%
The company provides short-term unsecured personal loans to over 2,000,000 consumers and offers lending access to capital for its merchant base. These credit products are a core part of its Consumer and Merchant segments, generating revenue through lending product fees.
OPRT
Oportun Financial
$361.63Mn
7.87
+6.21%
+20.89%
Oportun originates, underwrites, and services unsecured and secured personal loans to consumers, generating its primary revenue from interest income on these loan portfolios. It operates as a non-bank lender, utilizing state licenses and partnerships rather than a retail deposit-taking charter.
NEWT
2nd
NewtekOne
$359.50Mn
12.44
+1.06%
+1.63%
The company operates a Newtek Lending segment via Newtek ALP Holdings, which originates and services alternative lending program (ALP) loans for business owners who do not qualify for SBA financing.
RM
Regional Management
$314.20Mn
33.64
+1.54%
-23.20%
Regional Management Corp originates and services consumer installment loans (large loans up to $35,000 and small loans up to $2,500) for subprime and near-prime individuals. It generates revenue from interest and fee income on these loans and does not operate as a deposit-taking bank.
CFFI
2nd
C & F Financial
$308.42Mn
94.89
+0.27%
+34.08%
Through C&F Finance Company, the company operates a consumer finance business providing automobile, marine, and recreational vehicle loans, primarily as an indirect lender purchasing contracts from dealerships.
GBFH
2nd
GBank Financial Holdings
$293.89Mn
20.31
+1.80%
-49.34%
The company operates a credit card business, specifically the GBank Visa Signature® card, and generates interchange revenue from these consumer credit products.
MFIN
2nd
Medallion Financial
$284.87Mn
12.22
+1.75%
+13.25%
The company has significant consumer lending operations through its recreation lending and home improvement lending segments, providing loans for boats, RVs, and home projects to individual consumers.
CPSS
Consumer Portfolio Services
$203.03Mn
9.40
+6.70%
+27.03%
The company originates, purchases, and services retail automobile contracts for subprime consumers, earning revenue from interest income and origination fees. It operates as a non-bank lender providing credit to individuals who do not qualify for traditional banking sources.
FNWB
2nd
First Northwest Bancorp
$104.55Mn
11.00
-0.81%
+48.65%
The company originates consumer loans and specifically purchases auto and manufactured home loans from borrowers across the United States to supplement organic production.
FUSB
2nd
First Us Bancshares
$92.24Mn
16.70
+0.91%
+51.82%
The company conducts significant indirect lending through third-party retailers across seventeen states, providing consumer credit products outside of its traditional branch-based deposit-taking footprint.
YRD
Yiren Digital
$88.21Mn
1.01
-0.98%
-82.56%
Yiren Digital operates a credit solution segment that originates and services consumer loans, generating revenue from loan facilitation fees, post-origination service fees, and financing service fees from self-funded loans. It serves a customer base of 14.3 million individual borrowers, including credit card holders and small business owners.
VRM
Vroom
$56.69Mn
10.83
+6.39%
-60.94%
UACC, a core business of Vroom, originates and services indirect auto loans for non-prime and near-prime consumers through a network of dealers. Revenue is primarily generated from interest and fees on these automobile loans and the sale of ancillary products like GAP insurance.
NXB
2nd
NextBoat
$55.44Mn
2.21
+0.45%
—
Through its subsidiary Azure Funding, the company provides financing solutions, including traditional boat loans and short-term lending, earning interest and brokerage fees.
TCBS
2nd
Texas Community Bancshares
$49.99Mn
17.40
-0.57%
+7.41%
The company has a dedicated Consumer and Other Lending segment that originates and services loans for used automobiles, recreational vehicles, boats, and other consumer-related credit.
KPLT
Katapult Holdings
$37.86Mn
7.90
+16.18%
-60.34%
Katapult originates and services lease-to-own contracts for nonprime consumers to acquire durable goods, generating revenue from recurring payment streams. It operates as a non-bank consumer lender, utilizing an asset-backed revolver for funding rather than retail deposits.
ORIO
2nd
Orion Digital
$23.46Mn
0.98
-1.01%
-44.32%
The company manages a Canadian consumer lending portfolio, providing unsecured open line of credit products to individual borrowers and generating interest income.
CRMT
2nd
Americas Carmart
$19.93Mn
2.40
+8.60%
-93.43%
The company provides in-house financing for substantially all of its customers, particularly those with limited credit histories, and generates significant revenue from interest income on these installment contracts.
EWSB
2nd
EWSB Bancorp
$7.70Mn
10.15
+0.00%
+16.00%
The bank has a material business line in consumer lending, specifically originating and servicing marine and recreational vehicle loans, as well as other consumer loans.
TAAG
Awareness
$584.09K
0.01
+0.00%
-66.67%
The company's largest revenue driver (54%) is TAG Financial Services, which structures financing solutions and services consumer loans for solar projects. This activity involves extending credit to consumers via loan servicing and financing structures outside of a traditional deposit-taking bank.
PICS
2nd
PicS
$2.29K
11.46
-2.13%
—
The company originates and services a significant portfolio of consumer credit products, including credit cards, personal loans, and payroll loans for individual consumers.