JPM
2nd
Jpmorgan Chase
$895.44Bn
337.19
-4.28%
+8.18%
The Consumer & Community Banking segment offers credit cards and other consumer credit products to individual consumers.
AXP
2nd
American Express
$217.91Bn
324.75
-2.36%
-11.22%
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.
RACE
2nd
Ferrari
$156.88Bn
422.62
-2.21%
+3.92%
Through Ferrari Financial Services, the company provides retail client financing for the purchase of current, pre-owned, and classic Ferrari models.
COF
2nd
Capital One Financial
$122.68Bn
203.95
-1.13%
-7.88%
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
$89.87Bn
23.48
-4.75%
+45.48%
The company operates a dedicated consumer finance business within its Retail Business Unit, providing credit products to individual consumers in Japan.
CVNA
2nd
Carvana
$79.45Bn
72.07
-7.08%
+16.35%
The company generates additional revenue through in-house financing offered via its proprietary loan origination platform, extending credit directly to consumers for vehicle purchases.
BCS
2nd
Barclays
$79.11Bn
22.82
-3.67%
+7.34%
The Barclays US Consumer Bank operates a significant non-deposit-funded credit business, specifically through co-branded and proprietary credit card offerings and personal loans.
GM
2nd
General Motors
$75.72Bn
89.19
-3.49%
+29.69%
GM Financial provides retail loan and lease lending to consumers to support the purchase and ownership of GM vehicles.
RKT
2nd
Rocket Companies
$42.08Bn
14.82
-1.20%
-9.08%
The company operates Rocket Loans, which provides personal loans to consumers, generating interest income from these non-mortgage credit products.
GGAL
2nd
Grupo Financiero Galicia
$39.62Bn
29.90
-3.39%
-49.47%
The company operates Tarjetas Regionales (Naranja X), which provides proprietary brand credit cards and consumer finance to the underbanked population.
HBAN
2nd
Huntington Bancshares
$31.46Bn
15.61
-2.80%
+2.09%
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.
SHG
2nd
Shinhan Financial
$30.14Bn
63.17
-2.93%
+19.35%
The company operates Shinhan Card, which generates revenue from credit card transaction fees, interest on revolving balances, and installment financing for consumers.
AFRM
Affirm Holdings
$23.61Bn
69.66
-7.84%
-2.60%
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.
SYF
Synchrony Financial
$23.04Bn
74.07
-1.29%
-0.40%
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.
ATMP
2nd
Barclays Bank
$19.61Bn
33.49
-2.56%
+20.29%
The Barclays US Consumer Bank segment originates and services consumer credit products, specifically co-branded and proprietary credit cards and personal loans.
KSPI
2nd
Joint Stock Co Kaspi.kz
$17.42Bn
91.58
-4.02%
+24.38%
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
$16.75Bn
68.44
-0.61%
+24.10%
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
$13.18Bn
94.04
-3.96%
-49.89%
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
$11.66Bn
38.81
-1.42%
-2.85%
The company is a top provider of automotive financing, generating significant revenue from retail installment sales contracts and leases for consumers.
SNUS-PH
2nd
Santander Holdings USA
$10.81Bn
20.38
-1.55%
—
The Auto segment focuses on retail auto lending and leasing for new and used vehicles to individual consumers.
PAYP
2nd
PayPay
$9.84Bn
14.54
-8.90%
—
PayPay provides consumer credit products, including PayPay Credit and PayPay Card, generating revenue from interest income on revolving credit and cash advance balances.
KLAR
2nd
Klarna
$9.57Bn
13.56
-2.45%
-63.03%
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.
KT
2nd
Kt
$8.88Bn
18.41
-0.27%
+0.27%
Through its subsidiary BC Card, the company provides financial services and payment processing, contributing 14% of total operating revenue.
FCFS
FirstCash Holdings
$8.04Bn
187.55
-2.99%
+15.64%
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.
KMX
2nd
Carmax
$7.46Bn
52.58
-4.64%
+28.84%
Through its CarMax Auto Finance (CAF) segment, the company provides financing to customers buying retail vehicles, servicing a $16.37 billion portfolio of auto loans.
LAD
2nd
Lithia Motors
$6.88Bn
316.96
+0.50%
+6.30%
The company has a captive finance division that originates financing and insurance products for consumers, generating fee income and interest spread.
HRB
2nd
H&R Block
$6.78Bn
55.00
-0.83%
+8.74%
The company originates and services consumer credit products, specifically Emerald Advance term loans and Refund Advance loans, earning income from these lending activities.
OMF
OneMain Holdings
$6.54Bn
56.81
-2.03%
-6.65%
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.
HGTY
2nd
Hagerty
$6.31Bn
18.35
-1.87%
+61.25%
Through Broad Arrow Capital LLC, the company provides financing solutions and structures loans secured by collector cars for qualified customers.
AN
2nd
Autonation
$6.08Bn
188.31
+2.64%
-2.70%
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
$5.30Bn
522.58
+4.79%
+15.77%
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.
SKY
2nd
Champion Homes
$5.01Bn
93.24
-3.14%
+27.34%
Through its joint venture, Champion Financing, the company provides consumer retail financing products specifically tailored to the manufactured housing market for homebuyers.
RELY
2nd
Remitly Global
$4.61Bn
21.55
-20.42%
+31.08%
The company offers 'Remitly Flex,' a product that allows customers to 'send now and pay later,' which constitutes a form of consumer credit/lending.
NNI
2nd
Nelnet
$4.55Bn
126.89
-0.56%
-2.40%
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.
TNL
2nd
Travel & Leisure
$4.52Bn
75.09
-3.23%
+18.85%
The company provides consumer financing for the majority of its vacation ownership sales, generating revenue from these credit extensions to its customers.
ENVA
Enova International
$4.29Bn
173.42
-4.28%
+35.48%
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
$4.09Bn
4.83
-1.83%
—
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.
TKC
2nd
Turkcell Iletisim Hizmetleri A S
$4.06Bn
4.61
-2.33%
-21.20%
Through its Financell brand, the company provides consumer and enterprise lending services as part of its Techfin segment.
BFH
Bread Financial Holdings
$3.90Bn
102.66
-2.06%
+60.53%
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.
PAGS
2nd
PagSeguro Digital
$3.75Bn
7.64
-3.17%
-20.66%
PagSeguro originates and services credit products, earning income from interest on loans provided to its merchant and consumer customer base.
VAC
2nd
Marriott Vacations Worldwide
$3.67Bn
106.54
-6.67%
+58.38%
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.
HGV
2nd
Hilton Grand Vacations
$3.31Bn
43.60
-0.41%
+5.52%
The company generates a substantial portion of its revenue by financing and servicing loans provided directly to consumers for their VOI purchases.
HOG
2nd
Harley-Davidson
$3.29Bn
32.60
-5.75%
+28.20%
Harley-Davidson Financial Services provides retail consumer loans to buyers of motorcycles, earning interest and fees from these credit products.
SLM
Slm
$3.20Bn
17.52
-6.21%
-36.01%
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.
GPI
2nd
Group 1 Automotive
$3.19Bn
266.69
-2.33%
-32.13%
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.
INTR
2nd
Inter
$2.44Bn
3.78
-4.55%
-60.67%
The company has a dedicated Credit vertical that originates and services personal loans and credit cards for individuals and small businesses.
STNE
StoneCo
$2.35Bn
7.49
-2.60%
-60.66%
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.
BBAR
2nd
Banco BBVA Argentina
$2.19Bn
10.73
-3.94%
-37.29%
The bank provides credit card financing and consumer loans to approximately 3,600,000 active retail clients.
WU
2nd
Western Union
$2.18Bn
6.97
+5.45%
-21.42%
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.
ASAIY
2nd
Sendas Distributor
$2.06Bn
7.63
+3.95%
-8.18%
The company generates significant revenue through its co-branded Cartão Passaí credit card issued via its partnership with FIC, providing consumer credit to its customer base.
HAPN
2nd
Happen
$1.87Bn
16.18
-3.06%
-15.51%
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
$1.77Bn
28.72
-2.71%
+59.56%
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.
RBCAA
2nd
Republic Bancorp
$1.59Bn
91.13
-1.78%
+37.22%
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.
CASH
2nd
Pathward Financial
$1.59Bn
76.64
-3.00%
+13.47%
The company provides consumer lending and credit solutions to individuals, specifically mentioning short-term credit and tax-related loans within its Consumer segment.
PRG
PROG Holdings
$1.52Bn
38.87
-2.56%
+36.39%
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
$1.20Bn
20.82
+0.87%
+6.01%
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.
CCNE
2nd
Cnb Financial
$1.07Bn
35.96
-2.23%
+45.65%
The company owns Holiday Financial Services Corporation, a non-bank subsidiary that generates revenue through interest on consumer loans.
NBBK
2nd
NB Bancorp
$965.32Mn
22.03
-3.04%
+20.71%
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.
LU
2nd
Lufax Holding
$748.82Mn
8.64
+1.65%
+203.16%
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.
HTT
High Templar Tech
$735.80Mn
1.74
-3.33%
-64.85%
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.
LEGH
2nd
Legacy Housing
$716.11Mn
30.11
-5.25%
+27.80%
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.
WRLD
World Acceptance
$696.87Mn
149.58
-7.15%
+11.31%
World Acceptance originates, underwrites, and services short-term and medium-term consumer installment loans to individuals. Its primary revenue source is interest and fee income from these consumer loans, which accounted for 82.9% of total revenues in fiscal 2026.
CBNK
2nd
Capital Bancorp
$693.92Mn
42.60
-2.70%
+50.90%
The OpenSky division originates and services secured and unsecured credit cards for under-banked consumers nationwide, generating revenue from interest and fees.
QFIN
2nd
Qfin Holdings
$665.64Mn
5.46
-0.91%
-75.68%
The company operates a micro-lending subsidiary, Fuzhou Microcredit, through which it originates loans and collects interest income directly from borrowers.
CCB
2nd
Coastal Financial
$661.23Mn
43.25
-2.70%
-59.02%
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.
OPRT
Oportun Financial
$534.07Mn
11.59
-10.91%
+122.46%
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.
CWH
2nd
Camping World Holdings
$526.08Mn
5.09
-5.91%
-59.28%
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.
XYF
2nd
X Financial
$368.97Mn
4.72
-5.03%
-61.66%
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.
CFFI
2nd
C & F Financial
$352.26Mn
108.35
-3.46%
+53.30%
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.
RM
Regional Management
$345.06Mn
37.56
-4.72%
-8.10%
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.
NEWT
2nd
NewtekOne
$308.35Mn
10.67
-3.09%
+1.62%
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.
GEMI
2nd
Gemini Space Station
$307.52Mn
2.39
-14.95%
-85.83%
The company offers a credit card program and spot margin trading, generating revenue from interchange fees and interest income on credit extended to users.
LSAK
Lesaka Technologies
$297.40Mn
3.57
-13.77%
-15.00%
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.
MFIN
2nd
Medallion Financial
$231.25Mn
9.92
-4.34%
-1.98%
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.
OVBC
2nd
Ohio Valley Banc
$227.21Mn
48.23
-1.77%
+34.16%
The company provides consumer finance and credit card services, specifically through its Loan Central subsidiary which serves higher credit risk individuals who may not qualify for traditional bank financing.
GBFH
2nd
GBank Financial Holdings
$223.57Mn
15.45
-0.13%
-56.18%
The company operates a credit card business, specifically the GBank Visa Signature® card, and generates interchange revenue from these consumer credit products.
CPSS
Consumer Portfolio Services
$216.26Mn
9.88
-2.56%
+16.37%
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
$96.03Mn
10.10
-2.23%
+12.47%
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
$84.47Mn
16.45
-1.32%
+21.31%
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.
TCBS
2nd
Texas Community Bancshares
$49.41Mn
17.20
+0.00%
+8.18%
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
$47.30Mn
9.87
-1.79%
-11.95%
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.
CATO
2nd
Cato
$41.74Mn
2.30
-2.13%
-40.26%
The company operates a dedicated Credit segment that provides a proprietary credit card and layaway plans to customers, which accounted for 6% of retail sales in fiscal 2025.
VRM
Vroom
$34.91Mn
6.67
-5.39%
-72.86%
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
$34.87Mn
1.39
-7.33%
-63.42%
Through its subsidiary Azure Funding, the company provides financing solutions, including traditional boat loans and short-term lending, earning interest and brokerage fees.
YRD
Yiren Digital
$31.44Mn
0.36
-7.69%
-93.14%
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.
ORIO
2nd
Orion Digital
$23.94Mn
1.00
-1.96%
-34.64%
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
$12.67Mn
1.52
+20.63%
-93.00%
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
$7.77Mn
10.25
+0.29%
+13.89%
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%
-50.00%
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
$1.42K
7.09
-2.34%
—
The company originates and services a significant portfolio of consumer credit products, including credit cards, personal loans, and payroll loans for individual consumers.