21 companies · median 9 of 36 checks · prices as of 2026-10-23
Consumer finance stocks.
Sorted by how many checks each one passes. Sort by any column to see who is cheapest, who is growing, or who has the strongest balance sheet - and how that compares with what is normal for the industry.
Ranked by checks passed
21 companies in this sector→The consumer finance companies we cover are not one trade: Dave (DAVE) passes 26 of its 36 checks and TeraWulf (WULF) passes 2, with a median of 9.
→AXP, MSTR, COIN are 65% of the $481.7B we cover here, so a sector average says more about them than about the rest.
| Save | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
 DaveDAVEA banking app known for small cash advances, earning from fees and a monthly membership.Report | -7.3% | +62.4% | 1 | 6 | 6 | 5 | 5 | 3 | 26/36 | |
 American ExpressAXPbankIssues American Express cards and runs the network they use, earning fees from both sides.Report | -3.7% | -10.0% | 3 | 2 | 4 | 3 | 5 | 2 | 19/36 | |
 CoinbaseCOINRuns the largest US crypto exchange, earning trading fees and interest on customer assets.Report | -2.7% | -48.7% | 2 | 2 | 2 | 5 | 2 | 1 | 14/36 | |
 AffirmAFRMLends at the checkout: buy-now-pay-later loans for shoppers, paid for by merchants and interest.Report | -3.2% | -2.6% | 3 | 4 | 5 | 2 | 0 | 0 | 14/36 | |
 CircleCRCLIssues the USDC stablecoin and earns interest on the reserves behind it.Report | -0.8% | -31.2% | 1 | 3 | 5 | 3 | 0 | 1 | 13/36 | |
 ChimeCHYMA mobile banking app with no monthly fees, earning mostly from debit card interchange.Report | -2.0% | +67.8% | 0 | 0 | 2 | 3 | 5 | 2 | 12/36 | |
 SoFiSOFIbankAn online bank for younger customers: lending, deposits, investing and the Galileo payments platform.Report | -1.1% | -46.2% | 0 | 6 | 2 | 3 | 0 | 0 | 11/36 | |
 Bitmine Immersion TechnologiesBMNRAn ether treasury company that sells shares to buy and hold ether.Report | -0.4% | -53.3% | 0 | 4 | 1 | 4 | 1 | 1 | 11/36 | |
 FigureFIGROriginates home equity loans on its own blockchain and runs a marketplace to trade them.Report | -3.5% | -39.1% | 0 | 3 | 5 | 2 | 0 | 0 | 10/36 | |
 StrategyMSTRA bitcoin treasury company that sells business software and raises capital to buy more bitcoin.Report | +0.1% | -48.0% | 0 | 1 | 1 | 4 | 0 | 3 | 9/36 | |
 Rocket CompaniesRKTOriginates and services home mortgages through Rocket Mortgage and Mr. Cooper, and owns Redfin.Report | -0.1% | -32.4% | 0 | 4 | 1 | 3 | 0 | 1 | 9/36 | |
 Cipher DigitalCIFRBuilds data centers for AI and high-performance computing, and mines bitcoin.Report | -4.6% | -50.7% | 0 | 2 | 0 | 1 | 4 | 0 | 7/36 | |
 CleanSparkCLSKMines bitcoin from its own data centers in the US.Report | -3.3% | -53.3% | 1 | 1 | 0 | 1 | 4 | 0 | 7/36 | |
 SharplinkSBETAn ether treasury company that sells shares to buy and stake ether.Report | -2.9% | -43.2% | 0 | 3 | 0 | 3 | 0 | 1 | 7/36 | |
 Hut 8HUTBuilds power and data center infrastructure for AI, and mines bitcoin through American Bitcoin.Report | -4.3% | +57.6% | 0 | 3 | 1 | 1 | 0 | 1 | 6/36 | |
 Riot PlatformsRIOTMines bitcoin and is converting part of its power capacity to AI data centers.Report | -2.8% | -34.0% | 1 | 2 | 1 | 2 | 0 | 0 | 6/36 | |
 UpstartUPSTUses AI models to approve personal loans that banks and investors then fund.Report | -0.3% | -52.8% | 0 | 4 | 1 | 0 | 0 | 0 | 5/36 | |
 GeminiGEMIRuns the Gemini crypto exchange, plus custody and a crypto rewards credit card.Report | -3.5% | -84.2% | 2 | 1 | 0 | 2 | 0 | 0 | 5/36 | |
 Core ScientificCORZRuns data centers for AI computing, leased largely to CoreWeave, and mines bitcoin.Report | -0.8% | -26.4% | 0 | 1 | 1 | 1 | 1 | 0 | 4/36 | |
 MARAMARAMines bitcoin at scale and holds it on the balance sheet.Report | -3.2% | -63.3% | 1 | 2 | 0 | 0 | 1 | 0 | 4/36 | |
 TeraWulfWULFBuilds data centers leased for AI computing, and mines bitcoin with low-carbon power.Report | +0.0% | -10.3% | 0 | 2 | 0 | 0 | 0 | 0 | 2/36 |
The filings behind this table close between 2026-05-31 and 2026-09-30, because these companies do not share a fiscal calendar; prices are the close of 2026-10-23. Each name links to its full report; every score is a count of pass-or-fail checks read from that company's own filings.
Where the sector falls short
median score per axis→Value is where the consumer finance companies we cover come up short most often, at a median of 0 of 6, while Growth runs at 2.
| Value | ○○○○○○ | 0 of 6 |
| Growth | ●●○○○○ | 2 of 6 |
| Quality | ●○○○○○ | 1 of 6 |
| Financial health | ●●○○○○ | 2 of 6 |
| Shareholder returns | ○○○○○○ | 0 of 6 |
| Trend | ○○○○○○ | 0 of 6 |
What a normal margin looks like here
sector percentiles · 20 filers→Gross margin varies widely among consumer finance companies: the middle of the field runs from 12% to 58%, with a midpoint of 35% measured over 20 filers.
| Metric | Bottom third | Midpoint | Top third |
|---|---|---|---|
| Gross margin n=20 | 11.9% | 34.6% | 58.1% |
| Operating margin n=49 | -65.2% | -3.5% | 6.4% |
| Net margin n=80 | -11.5% | 2.6% | 14.2% |
| Return on equity n=92 | -5.7% | 6.5% | 11.9% |
Who grows, and who keeps it
every company in the industry→UPST, CLSK, FIGR do both: growing faster than this industry's middle and keeping more of each sale than it does. The industry's middle is 26% growth on a -3% margin. CORZ, WULF do neither.
A year of price
not a fact about the business→3 of 21 are up over twelve months and the median move is -39.1% - Chime (CHYM) at +67.8% against Gemini (GEMI) at -84.2%. Price is not a fact about a business, and the Trend chapter of each report says what it is measured on.
Head to head
1 pairThe table above gives the order. These put two of them in one column each, so you can see where the difference actually is.