JPM
2nd
Jpmorgan Chase
$965.61 Bn
363.26
+0.57%
+24.60%
The Consumer & Community Banking segment offers credit cards and other consumer credit products to individual consumers.
AXP
2nd
American Express
$228.47 Bn
338.47
+0.67%
+10.23%
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.
SMFNF
2nd
Sumitomo Mitsui Financial
$169.25 Bn
44.22
-0.54%
+52.80%
The company operates a dedicated consumer finance business within its Retail Business Unit, providing credit products to individual consumers in Japan.
COF
2nd
Capital One Financial
$158.17 Bn
221.49
+0.01%
+2.45%
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.
GGAL
2nd
Grupo Financiero Galicia
$55.81 Bn
42.12
-2.99%
-14.44%
The company operates Tarjetas Regionales (Naranja X), which provides proprietary brand credit cards and consumer finance to the underbanked population.
HBANL
2nd
Huntington Bancshares
$50.69 Bn
25.09
-0.12%
-2.56%
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.
RKT
2nd
Rocket Companies
$39.68 Bn
13.99
-3.52%
-21.54%
The company operates Rocket Loans, which provides personal loans to consumers, generating interest income from these non-mortgage credit products.
SYF
Synchrony Financial
$26.19 Bn
80.58
-0.21%
+12.24%
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
$24.63 Bn
73.56
-1.29%
-5.98%
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.
WF
2nd
Woori Financial
$17.25 Bn
70.61
-1.40%
+32.38%
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
$17.18 Bn
108.58
-0.84%
-37.21%
The company generates a significant share of its total revenue from interest income derived from margin financing and securities lending provided to its users.
SLMBP
Slm
$14.07 Bn
74.86
-0.19%
-1.56%
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.
ALLY
2nd
Ally Financial
$13.29 Bn
43.63
+0.02%
+13.62%
The company is a top provider of automotive financing, generating significant revenue from retail installment sales contracts and leases for consumers.
TKC
2nd
Turkcell Iletisim Hizmetleri A S
$11.86 Bn
5.39
-0.74%
-8.02%
Through its Financell brand, the company provides consumer and enterprise lending services as part of its Techfin segment.
KLAR
2nd
Klarna
$10.63 Bn
15.06
-22.93%
—
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.
PAYP
2nd
PayPay
$9.30 Bn
15.02
+0.33%
—
PayPay provides consumer credit products, including PayPay Credit and PayPay Card, generating revenue from interest income on revolving credit and cash advance balances.
FCFS
FirstCash Holdings
$9.23 Bn
212.74
-1.62%
+53.66%
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
$9.05 Bn
18.76
-1.26%
-9.76%
Through its subsidiary BC Card, the company provides financial services and payment processing, contributing 14% of total operating revenue.
OMF
OneMain Holdings
$8.70 Bn
64.74
-0.64%
+11.29%
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.
LAD
2nd
Lithia Motors
$7.85 Bn
356.67
-3.49%
+17.11%
The company has a captive finance division that originates financing and insurance products for consumers, generating fee income and interest spread.
AN
2nd
Autonation
$6.52 Bn
196.93
-3.96%
-4.95%
The company operates a captive auto finance company, AutoNation Finance, which provides consumer auto finance loans directly to retail customers and earns interest income.
ENVA
Enova International
$6.51 Bn
261.71
-0.92%
+142.62%
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.
HRB
2nd
H&R Block
$6.46 Bn
50.95
+1.64%
+1.05%
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
$5.92 Bn
570.54
-0.44%
+20.23%
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.
RELY
2nd
Remitly Global
$5.38 Bn
25.44
-3.27%
+28.03%
The company offers 'Remitly Flex,' a product that allows customers to 'send now and pay later,' which constitutes a form of consumer credit/lending.
SKY
2nd
Champion Homes
$4.99 Bn
90.92
-2.45%
+23.42%
Through its joint venture, Champion Financing, the company provides consumer retail financing products specifically tailored to the manufactured housing market for homebuyers.
NNI
2nd
Nelnet
$4.53 Bn
125.72
-0.18%
-1.09%
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
$4.42 Bn
72.27
-1.93%
+20.45%
The company provides consumer financing for the majority of its vacation ownership sales, generating revenue from these credit extensions to its customers.
HGTY
2nd
Hagerty
$4.40 Bn
12.81
-0.62%
+16.56%
Through Broad Arrow Capital LLC, the company provides financing solutions and structures loans secured by collector cars for qualified customers.
BFH
Bread Financial Holdings
$4.30 Bn
111.10
-0.12%
+84.21%
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
$4.14 Bn
8.44
-2.65%
-6.84%
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
$3.95 Bn
114.96
-3.78%
+53.24%
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
$3.39 Bn
43.51
-3.12%
-2.22%
The company generates a substantial portion of its revenue by financing and servicing loans provided directly to consumers for their VOI purchases.
GPI
2nd
Group 1 Automotive
$2.98 Bn
250.01
-3.78%
-43.92%
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.
STNE
StoneCo
$2.87 Bn
9.12
-1.62%
-40.93%
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
$2.83 Bn
27.24
+0.74%
-1.59%
Harley-Davidson Financial Services provides retail consumer loans to buyers of motorcycles, earning interest and fees from these credit products.
WU
2nd
Western Union
$2.24 Bn
7.20
+0.28%
-14.89%
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.
INTR
2nd
Inter
$2.24 Bn
5.09
-3.78%
-37.93%
The company has a dedicated Credit vertical that originates and services personal loans and credit cards for individuals and small businesses.
HAPN
2nd
Happen
$2.14 Bn
18.57
-3.23%
+16.50%
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.
BBAR
2nd
Banco BBVA Argentina
$1.89 Bn
14.77
-3.27%
-8.88%
The bank provides credit card financing and consumer loans to approximately 3,600,000 active retail clients.
EZPW
Ezcorp
$1.79 Bn
29.17
-0.41%
+82.65%
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
$1.76 Bn
84.64
-0.88%
+12.24%
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
$1.65 Bn
41.51
-1.40%
+24.51%
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.
JSM
Navient
$1.65 Bn
17.62
-0.68%
-8.80%
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.
QFIN
2nd
Qfin Holdings
$1.47 Bn
12.06
+1.01%
-59.67%
The company operates a micro-lending subsidiary, Fuzhou Microcredit, through which it originates loans and collects interest income directly from borrowers.
LU
2nd
Lufax Holding
$1.36 Bn
1.57
+7.53%
-44.91%
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.
JCAP
2nd
Jefferson Capital
$1.34 Bn
23.32
-1.40%
+23.00%
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.
PICS
2nd
PicS
$1.33 Bn
10.27
+0.49%
—
The company originates and services a significant portfolio of consumer credit products, including credit cards, personal loans, and payroll loans for individual consumers.
CCNE
2nd
Cnb Financial
$1.03 Bn
34.82
-0.09%
+39.39%
The company owns Holiday Financial Services Corporation, a non-bank subsidiary that generates revenue through interest on consumer loans.
NBBK
2nd
NB Bancorp
$1.00 Bn
22.74
-0.74%
+25.43%
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.
CCB
2nd
Coastal Financial
$0.76 Bn
49.54
+1.23%
-53.24%
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.
NEWTG
2nd
NewtekOne
$0.74 Bn
25.68
+0.12%
+2.76%
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.
LEGH
2nd
Legacy Housing
$0.67 Bn
28.23
-2.99%
+6.01%
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.
HTT
High Templar Tech
$0.66 Bn
2.48
-1.20%
-50.60%
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.
CWH
2nd
Camping World Holdings
$0.65 Bn
6.30
+1.61%
-63.03%
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.
MBNKO
2nd
Medallion Financial
$0.60 Bn
25.89
+0.47%
+1.65%
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.
GEMI
2nd
Gemini Space Station
$0.46 Bn
3.54
-1.94%
—
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
$0.42 Bn
5.35
+1.33%
-58.40%
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
$0.39 Bn
4.66
-2.31%
-1.89%
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
$0.34 Bn
7.42
-1.33%
+23.46%
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.
RM
Regional Management
$0.32 Bn
33.94
+1.07%
-10.14%
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.
GBFH
2nd
GBank Financial Holdings
$0.31 Bn
21.15
-0.28%
-44.21%
The company operates a credit card business, specifically the GBank Visa Signature® card, and generates interchange revenue from these consumer credit products.
CFFI
2nd
C & F Financial
$0.28 Bn
87.62
+1.93%
+29.88%
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.
CPSS
Consumer Portfolio Services
$0.20 Bn
9.16
-0.33%
+9.83%
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
$0.11 Bn
11.40
+0.00%
+39.36%
The company originates consumer loans and specifically purchases auto and manufactured home loans from borrowers across the United States to supplement organic production.
YRD
Yiren Digital
$0.10 Bn
1.18
+0.00%
-80.59%
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.
FUSB
2nd
First Us Bancshares
$0.09 Bn
16.72
+1.39%
+43.27%
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
$0.05 Bn
17.41
+0.00%
+9.77%
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.
VRM
Vroom
$0.05 Bn
9.42
-2.48%
-66.95%
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
$0.05 Bn
1.91
-1.04%
—
Through its subsidiary Azure Funding, the company provides financing solutions, including traditional boat loans and short-term lending, earning interest and brokerage fees.
KPLT
Katapult Holdings
$0.03 Bn
5.97
-12.72%
-57.42%
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.
CRMT
2nd
Americas Carmart
$0.03 Bn
3.08
-1.91%
-93.11%
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.
ORIO
2nd
Orion Digital
$0.02 Bn
0.82
-7.87%
-52.87%
The company manages a Canadian consumer lending portfolio, providing unsecured open line of credit products to individual borrowers and generating interest income.
EWSB
2nd
EWSB Bancorp
$0.01 Bn
10.28
+0.00%
+21.37%
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.
RBCAA
2nd
Republic Bancorp
$0.00 Bn
96.08
-0.70%
+33.13%
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.
SHG
2nd
Shinhan Financial
$0.00 Bn
74.75
-1.53%
+53.36%
The company operates Shinhan Card, which generates revenue from credit card transaction fees, interest on revolving balances, and installment financing for consumers.
AGBK
2nd
Agi
$0.00 Bn
5.94
-2.30%
—
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.
TAAG
Awareness
$0.00 Bn
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.