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Consumer credit and cards

The 18 companies in this industry listed on the NYSE and Nasdaq are worth $187 bn combined; the largest are Capital One Financial (COF), Synchrony Financial (SYF) and FirstCash Holdings, Inc. (FCFS). For each one: what it does, revenue, margin, free cash flow over the last five years and a score from 0 to 10.

Data as of October 2026

Clear leader
18 companies value 187 bn revenue 122 bn margin — free cash flow — avg. score 5.5
COF holds 65.4% of the group's value, 5.1x the runner-up
Rank Ticker Company Share Value Revenue Margin FCF 5 years FCF/px Yield What it does · why it is here
1 COF Capital One Financial
United States · score 6.6
 65% 123 bn 62 bn 17.0% 30 bn 24.2% 1.6% Credit cards, retail banking and auto loans · Bought Discover in 2025 and became the only US card issuer with its own payment network
2 SYF Synchrony Financial
United States · score 7.1
 13% 24 bn 23 bn 15.5% 9.7 bn 40.1% 1.7% Private label credit cards for retailers · Largest US issuer of store (private-label) cards
3 FCFS FirstCash Holdings, Inc.
United States · score 5.8
 5% 9.3 bn 4.1 bn 9.4% 0.6 bn 6.6% 0.8% Pawn stores in the US and Latin America, and point-of-sale credit · Texas — assets of $5.5bn
4 OMF OneMain Holdings
United States · score 6.2
 4% 7.0 bn 5.6 bn 13.9% 3.2 bn 46.2% 7.1% Personal loans for consumers with limited credit · Largest lender of personal loans to mid-risk consumers
5 NNI NELNET INC
United States · score 4.8
 2% 4.5 bn 0.8 bn 35.7% 0.4 bn 8.1% 1.0% Holding company for student loans, loan servicing and payments · Nebraska — assets of $14.3bn
6 SLM SLM Corporation
United States · score 4.6
 2% 4.1 bn 2.6 bn 28.7% -0.3 bn -8.0% 2.5% Private student loans and college planning · Largest private student lender in the US
7 BFH Bread Financial
United States · score 6.4
 2% 3.9 bn 4.0 bn 14.4% 2.2 bn 55.7% 1.0% Private-label retailer credit cards and consumer credit · Co-brand cards with retailers and loyalty programs
8 ECPG ENCORE CAPITAL GROUP INC
United States · score 5.6
 1% 2.1 bn 1.9 bn 15.9% 0.1 bn 5.9% — Purchase and recovery of defaulted credit portfolios · California — assets of $5.6bn
9 EZPW EZCORP INC
United States · score 6.1
 1% 2.0 bn 1.6 bn 10.0% 0.1 bn 6.9% — Pawn stores in the United States and Latin America · Texas — assets of $2.2bn
10 ATLC Atlanticus Holdings Corp
United States · score 6.5
 1% 1.4 bn 2.6 bn 5.8% 0.9 bn 68.2% — Consumer credit fintech · Georgia — assets of $7.5bn
11 PRG PROG Holdings, Inc.
United States · score 6.8
 1% 1.2 bn 2.6 bn 5.6% 0.3 bn 26.0% 1.8% Fintech holding with consumer payment options · Utah — assets of $2bn
12 JCAP Jefferson Capital, Inc. / DE
United States · score 7.0
 1% 1.2 bn 0.7 bn 23.5% 0.2 bn 19.0% 5.2% Buying and collecting consumer debt portfolios · Minnesota — assets of $2.1bn
13 UPBD UPBOUND GROUP, INC.
United States · score 6.5
 1% 0.9 bn 4.7 bn 1.9% 0.4 bn 38.2% 9.7% Financial solutions for underserved consumers · Texas — assets of $3.1bn
14 NAVI NAVIENT CORP
United States · score 3.4
 1% 0.9 bn 2.9 bn -1.7% 0.3 bn 39.9% 7.2% Student loans: origination, purchase and servicing · Virginia — assets of $47.3bn
15 WRLD WORLD ACCEPTANCE CORP
United States · score 4.5
 0% 0.8 bn 0.6 bn 6.6% 0.3 bn 33.3% — Small personal loans and credit-related insurance · South Carolina — assets of $1.1bn
16 PRAA PRA GROUP INC
United States · score 0.0
 0% 0.7 bn 1.3 bn -19.9% -0.0 bn -5.1% — Specialty finance company that buys loan portfolios · Virginia — assets of $5.2bn
17 RM Regional Management Corp.
United States · score 5.3
 0% 0.3 bn 0.7 bn 7.0% 0.3 bn 103.0% — Installment loans for people with limited access to banks · South Carolina — assets of $2.1bn
18 MFIN MEDALLION FINANCIAL CORP
United States · score 5.9
 0% 0.3 bn 0.3 bn 9.9% 0.2 bn 67.9% 4.6% Financing of trailers, boats and taxis · New York — assets of $3.2bn

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What this is. A catalogue, not a guide. Every industry with stocks listed on the NYSE or NASDAQ, the companies contending for its leadership, what each one does according to its own annual report, and the balance sheet it filed with the SEC.

The score runs from 0 to 10 and compares each company with every other one in the almanac on cash generation, profitability, debt, dividends and consistency over the last five years. The higher it is, the better the company fares in that comparison. Curious how much each part weighs? Ask at the bottom of the page.

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