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Consumer lending fintech

The 22 companies in this industry listed on the NYSE and Nasdaq are worth $72 bn combined; the largest are Affirm Holdings (AFRM), SoFi Technologies (SOFI) and Figure Technology Solutions, Inc. (FIGR). 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

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22 companies value 72 bn revenue 31 bn margin — free cash flow — avg. score 5.0
AFRM holds 34.2% of the group's value, 1.3x the runner-up · SOFI leads the industry without being the largest
Rank Ticker Company Share Value Revenue Margin FCF 5 years FCF/px Yield What it does · why it is here
1 AFRM Affirm Holdings
United States · score 4.7
 34% 25 bn 4.3 bn 45.3% 1.0 bn 4.0% — Installment payments for purchases without a credit card · US leader in 'buy now, pay later'
2 SOFI SoFi Technologies
United States · score 2.7
 26% 19 bn 0.6 bn 104.3% -8.8 bn -47.6% — Digital bank with student loans, mortgages and investing · The US digital bank with the fastest member growth
3 FIGR Figure Technology Solutions, Inc.
United States · score 3.4
 8% 5.8 bn 0.7 bn 33.5% -0.1 bn -1.5% — Blockchain-based capital markets and lending · Nevada — revenue of $709m
4 KLAR Klarna Group plc
United Kingdom · score 0.3
 7% 4.9 bn 3.5 bn -7.8% -1.0 bn -21.0% — Installment payments, the Klarna app and card · United Kingdom — revenue of $3.5bn
5 ENVA Enova International, Inc.
United States · score 5.8
 6% 4.4 bn 3.5 bn 10.3% 1.9 bn 44.5% — Analytics-driven online lending to consumers and small businesses · Illinois — revenue of $3.4bn
6 SEZL Sezzle Inc.
United States · score 5.5
 6% 4.3 bn 0.5 bn 30.4% 0.3 bn 6.4% — Installment payments for the next generation of consumers · Minnesota — revenue of $532m
7 UPST Upstart Holdings
United States · score 1.4
 3% 2.3 bn 1.3 bn 4.8% -0.3 bn -12.8% — Lending marketplace with AI-driven underwriting · AI-driven lending; results very sensitive to interest rates
8 HAPN Happen, Inc.
United States · score 4.6
 2% 1.6 bn 1.1 bn 18.7% -3.0 bn -179.3% — Personal loans, auto refinancing and point-of-sale credit · California — revenue of $1bn
9 PGY Pagaya Technologies Ltd.
United States · score 5.5
 2% 1.5 bn 1.4 bn 9.1% 0.3 bn 17.3% — Network-based credit analytics connecting banks and investors · New York — revenue of $1.4bn
10 LU Lufax Holding Ltd
China · score 2.4
 1% 0.8 bn 2.0 bn -13.0% 1.9 bn 247.7% — Small business lending in China · China — revenue of $2bn
11 QFIN Qfin Holdings, Inc.
China · score 7.3
 1% 0.7 bn 2.8 bn 31.1% 1.6 bn 227.9% — Digital platform consumer lending, in China · China — revenue of $2.7bn
12 FINV FinVolution Group
China · score 7.6
 1% 0.7 bn 1.9 bn 18.7% 0.3 bn 34.1% 9.8% Consumer credit through a digital platform, in China · China — revenue of $1.9bn
13 OPFI OppFi Inc.
United States · score 6.6
 1% 0.5 bn 0.4 bn 28.0% 0.4 bn 81.2% — Consumer lending platform partnered with community banks · Illinois — revenue of $364m
14 TREE LendingTree, Inc.
United States · score 6.2
 1% 0.4 bn 1.3 bn 14.3% 0.1 bn 20.7% — Online marketplace comparing loans and financial products · North Carolina — revenue of $1.3bn
15 OPRT Oportun Financial Corp
United States · score 5.0
 1% 0.4 bn 0.9 bn 2.1% 0.4 bn 103.4% — Responsible lending and savings for consumers · California — revenue of $948m
16 HTT High Templar Tech Ltd
China · score 6.3
 0% 0.3 bn 0.0 bn 17x 0.1 bn 25.4% — Former Chinese consumer lender pivoting to AI, with a large cash pile and ADS buyback · China — revenue of $6m
17 LX LexinFintech Holdings Ltd.
China · score 7.1
 0% 0.1 bn 1.9 bn 12.8% 0.5 bn 441.2% 51.8% Online consumer credit in China · China — revenue of $1.9bn
18 JFIN Jiayin Group Inc.
China · score 7.1
 0% 0.1 bn 0.9 bn 24.7% 0.1 bn 127.3% — Consumer credit intermediation in China · China — revenue of $890m
19 YRD Yiren Digital Ltd.
China · score 6.0
 0% 0.1 bn 0.8 bn 1.0% 0.1 bn 150.1% 60.4% Digital financial and insurance services in China · China — revenue of $818m
20 ADBT Advasa Holdings, Inc.
Japan · score 5.2
 0% 0.1 bn 0.0 bn — — — — — Earned wage access and pay management for employees · Japan — revenue of $19m
21 KPLT Katapult Holdings, Inc.
United States · score 3.1
 0% 0.0 bn 0.3 bn 5.4% 0.0 bn -7.3% — Lease-to-own platform for durable goods · New York — revenue of $302m
22 XYF X Financial
China · score 6.2
 — — 1.1 bn 19.2% 0.2 bn — — Digital platform consumer lending, in China · China — revenue of $1.1bn

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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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