JPM
2nd
Jpmorgan Chase
$892.01Bn
335.57
+0.07%
+9.77%
The Consumer & Community Banking segment offers credit cards and other consumer credit products to individual consumers.
AXP
2nd
American Express
$211.83Bn
313.82
+2.23%
-5.09%
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
$147.86Bn
398.32
+2.81%
+2.25%
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
$122.02Bn
198.89
+2.35%
-7.54%
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
$94.73Bn
24.75
+0.04%
+57.74%
The company operates a dedicated consumer finance business within its Retail Business Unit, providing credit products to individual consumers in Japan.
BCS
2nd
Barclays
$79.04Bn
22.80
+0.22%
+12.15%
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
$73.40Bn
83.65
+0.72%
+44.72%
GM Financial provides retail loan and lease lending to consumers to support the purchase and ownership of GM vehicles.
CVNA
2nd
Carvana
$66.62Bn
60.59
+4.48%
-14.76%
The company generates additional revenue through in-house financing offered via its proprietary loan origination platform, extending credit directly to consumers for vehicle purchases.
RKT
2nd
Rocket Companies
$41.57Bn
11.07
+5.13%
-33.83%
The company operates Rocket Loans, which provides personal loans to consumers, generating interest income from these non-mortgage credit products.
SHG
2nd
Shinhan Financial
$34.00Bn
71.26
+0.83%
+40.77%
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
$31.01Bn
15.35
+1.66%
-5.31%
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.
AFRM
Affirm Holdings
$25.60Bn
75.92
+7.67%
+3.91%
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
$24.06Bn
74.04
+3.22%
+2.38%
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
$20.29Bn
34.65
-1.48%
+24.95%
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
$18.04Bn
94.84
-0.07%
+27.13%
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
$17.15Bn
70.10
+1.89%
+29.50%
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
$15.39Bn
109.80
+0.32%
-30.23%
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
$11.49Bn
37.72
+2.67%
-4.99%
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
$11.00Bn
20.73
-0.05%
—
The Auto segment focuses on retail auto lending and leasing for new and used vehicles to individual consumers.
PAYP
2nd
PayPay
$9.92Bn
14.65
-1.48%
—
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
$9.53Bn
13.51
+2.66%
-64.22%
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
$9.40Bn
216.71
+0.08%
+35.27%
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
$8.94Bn
18.55
+1.59%
+0.27%
Through its subsidiary BC Card, the company provides financial services and payment processing, contributing 14% of total operating revenue.
KMX
2nd
Carmax
$7.47Bn
52.60
+5.56%
+18.42%
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
$6.50Bn
295.41
+5.00%
-3.83%
The company has a captive finance division that originates financing and insurance products for consumers, generating fee income and interest spread.
OMF
OneMain Holdings
$6.42Bn
55.79
+2.09%
+1.29%
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.
AGBK
2nd
Agi
$6.19Bn
7.31
+1.95%
—
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.
HRB
2nd
H&R Block
$5.96Bn
48.32
+5.02%
-5.64%
The company originates and services consumer credit products, specifically Emerald Advance term loans and Refund Advance loans, earning income from these lending activities.
CACC
Credit Acceptance
$5.71Bn
549.87
+3.30%
+11.96%
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.
PAGS
2nd
PagSeguro Digital
$5.45Bn
11.10
+2.30%
+23.88%
PagSeguro originates and services credit products, earning income from interest on loans provided to its merchant and consumer customer base.
AN
2nd
Autonation
$5.28Bn
159.64
+4.23%
-26.31%
The company operates a captive auto finance company, AutoNation Finance, which provides consumer auto finance loans directly to retail customers and earns interest income.
HGTY
2nd
Hagerty
$5.25Bn
15.29
+2.82%
+25.74%
Through Broad Arrow Capital LLC, the company provides financing solutions and structures loans secured by collector cars for qualified customers.
RELY
2nd
Remitly Global
$5.22Bn
24.65
+4.94%
+59.24%
The company offers 'Remitly Flex,' a product that allows customers to 'send now and pay later,' which constitutes a form of consumer credit/lending.
GGAL
2nd
Grupo Financiero Galicia
$4.83Bn
36.47
+2.59%
+9.65%
The company operates Tarjetas Regionales (Naranja X), which provides proprietary brand credit cards and consumer finance to the underbanked population.
NNI
2nd
Nelnet
$4.62Bn
128.13
+1.72%
-1.57%
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.
SKY
2nd
Champion Homes
$4.42Bn
79.93
+5.28%
+12.58%
Through its joint venture, Champion Financing, the company provides consumer retail financing products specifically tailored to the manufactured housing market for homebuyers.
ENVA
Enova International
$4.41Bn
177.37
+1.79%
+58.78%
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.
TKC
2nd
Turkcell Iletisim Hizmetleri A S
$4.38Bn
4.98
-0.99%
-13.84%
Through its Financell brand, the company provides consumer and enterprise lending services as part of its Techfin segment.
INTR
2nd
Inter
$4.36Bn
6.76
-3.29%
-24.04%
The company has a dedicated Credit vertical that originates and services personal loans and credit cards for individuals and small businesses.
SLM
Slm
$4.18Bn
22.22
+0.23%
-15.51%
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.
TNL
2nd
Travel & Leisure
$4.00Bn
65.29
+4.25%
+8.31%
The company provides consumer financing for the majority of its vacation ownership sales, generating revenue from these credit extensions to its customers.
BFH
Bread Financial Holdings
$3.92Bn
101.32
+2.44%
+69.57%
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.
VAC
2nd
Marriott Vacations Worldwide
$3.86Bn
112.31
+5.72%
+69.35%
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.
STNE
StoneCo
$3.58Bn
11.38
-0.87%
-36.67%
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.
ASAIY
2nd
Sendas Distributor
$3.30Bn
12.20
-3.71%
+45.93%
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.
HOG
2nd
Harley-Davidson
$2.87Bn
27.57
+2.22%
+2.53%
Harley-Davidson Financial Services provides retail consumer loans to buyers of motorcycles, earning interest and fees from these credit products.
GPI
2nd
Group 1 Automotive
$2.86Bn
239.61
+4.84%
-44.93%
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
$2.81Bn
36.02
+3.71%
-17.76%
The company generates a substantial portion of its revenue by financing and servicing loans provided directly to consumers for their VOI purchases.
BBAR
2nd
Banco BBVA Argentina
$2.64Bn
12.94
+3.44%
+35.78%
The bank provides credit card financing and consumer loans to approximately 3,600,000 active retail clients.
EZPW
Ezcorp
$2.04Bn
33.13
+1.25%
+74.37%
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.
WU
2nd
Western Union
$1.95Bn
6.24
+3.14%
-23.53%
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
$1.69Bn
14.67
+3.46%
-11.14%
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.
RBCAA
2nd
Republic Bancorp
$1.61Bn
91.76
+1.05%
+28.41%
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
$1.50Bn
72.12
+1.98%
-4.57%
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
$1.24Bn
31.13
+4.36%
-1.71%
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
$1.19Bn
20.74
+2.17%
+14.21%
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
$1.00Bn
33.88
+1.22%
+38.51%
The company owns Holiday Financial Services Corporation, a non-bank subsidiary that generates revenue through interest on consumer loans.
NBBK
2nd
NB Bancorp
$980.22Mn
22.37
+1.08%
+27.25%
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.
HTT
High Templar Tech
$900.72Mn
2.13
+1.91%
-53.70%
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.
NAVI
Navient
$896.57Mn
9.56
+3.24%
-23.64%
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.
WRLD
World Acceptance
$803.04Mn
172.37
+0.02%
-3.85%
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.
LU
2nd
Lufax Holding
$771.35Mn
0.89
+2.30%
-75.55%
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.
QFIN
2nd
Qfin Holdings
$709.53Mn
5.82
+2.28%
-77.77%
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
$656.61Mn
42.97
+4.55%
-59.52%
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.
LEGH
2nd
Legacy Housing
$647.81Mn
27.24
+1.83%
+18.23%
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.
CBNK
2nd
Capital Bancorp
$642.29Mn
39.43
+2.15%
+33.62%
The OpenSky division originates and services secured and unsecured credit cards for under-banked consumers nationwide, generating revenue from interest and fees.
GEMI
2nd
Gemini Space Station
$499.23Mn
3.88
+0.26%
-82.65%
The company offers a credit card program and spot margin trading, generating revenue from interchange fees and interest income on credit extended to users.
CWH
2nd
Camping World Holdings
$472.05Mn
4.57
+6.03%
-70.07%
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.
OPRT
Oportun Financial
$423.20Mn
9.21
+4.90%
+66.85%
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.
XYF
2nd
X Financial
$397.90Mn
5.09
+3.88%
-62.90%
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
$370.72Mn
4.45
-0.45%
+9.07%
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.
CFFI
2nd
C & F Financial
$333.90Mn
102.73
+0.87%
+48.88%
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
$322.79Mn
34.56
+3.63%
-13.12%
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
$316.16Mn
10.94
+3.30%
-0.55%
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.
MFIN
2nd
Medallion Financial
$260.86Mn
11.19
+1.45%
+10.46%
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.
GBFH
2nd
GBank Financial Holdings
$256.85Mn
17.75
+6.80%
-56.94%
The company operates a credit card business, specifically the GBank Visa Signature® card, and generates interchange revenue from these consumer credit products.
OVBC
2nd
Ohio Valley Banc
$217.22Mn
46.11
+0.26%
+26.43%
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.
CPSS
Consumer Portfolio Services
$198.06Mn
9.17
+1.10%
+13.07%
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
$91.53Mn
9.63
-0.62%
+21.13%
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
$91.08Mn
16.49
+0.49%
+33.74%
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
$67.25Mn
0.77
+18.46%
-87.15%
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.
TCBS
2nd
Texas Community Bancshares
$49.58Mn
17.26
+1.53%
+7.20%
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.
NXB
2nd
NextBoat
$49.16Mn
1.96
+0.00%
—
Through its subsidiary Azure Funding, the company provides financing solutions, including traditional boat loans and short-term lending, earning interest and brokerage fees.
VRM
Vroom
$45.91Mn
8.77
-2.01%
-66.86%
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.
CATO
2nd
Cato
$42.65Mn
2.35
+1.73%
-42.54%
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.
KPLT
Katapult Holdings
$27.70Mn
5.78
+17.48%
-52.23%
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
$21.31Mn
0.89
-2.20%
-51.89%
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
$11.26Mn
1.35
-0.74%
-94.95%
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
10.16
+0.00%
+13.27%
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
$2.66K
13.28
+0.45%
—
The company originates and services a significant portfolio of consumer credit products, including credit cards, personal loans, and payroll loans for individual consumers.