9 companies · median 11 of 36 checks · prices as of 2026-09-08
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
9 of 201 covered companies→The consumer finance companies we cover are not one trade: American Express (AXP) passes 20 of its 36 checks and Upstart (UPST) passes 5, with a median of 11.
→AXP, MSTR, COIN are 83% of the $388.2B we cover here, so a sector average says more about them than about the rest.
 American ExpressAXPbankIssues American Express cards and runs the network they use, earning fees from both sides.ReportFact sheet | -0.0% | +1.0% | 3 | 4 | 4 | 4 | 5 | 0 | 20/36 |
 CoinbaseCOINRuns the largest US crypto exchange, earning trading fees and interest on customer assets.ReportFact sheet | -3.1% | -40.2% | 1 | 2 | 1 | 5 | 2 | 4 | 15/36 |
 AffirmAFRMLends at the checkout: buy-now-pay-later loans for shoppers, paid for by merchants and interest.ReportFact sheet | -0.4% | -17.5% | 2 | 4 | 5 | 2 | 0 | 1 | 14/36 |
 SoFiSOFIbankAn online bank for younger customers: lending, deposits, investing and the Galileo payments platform.ReportFact sheet | -1.1% | -29.6% | 0 | 4 | 2 | 4 | 0 | 4 | 14/36 |
 StrategyMSTRA bitcoin treasury company that sells business software and raises capital to buy more bitcoin.ReportFact sheet | -4.4% | -59.4% | 0 | 1 | 1 | 4 | 0 | 5 | 11/36 |
 CleanSparkCLSKMines bitcoin from its own data centres in the US.ReportFact sheet | +6.2% | +45.9% | 0 | 3 | 0 | 1 | 2 | 2 | 8/36 |
 Riot PlatformsRIOTMines bitcoin and is converting part of its power capacity to AI data centres.ReportFact sheet | +2.1% | +67.5% | 0 | 2 | 0 | 2 | 0 | 3 | 7/36 |
 MARAMARAMines bitcoin at scale and holds it on the balance sheet.ReportFact sheet | +4.6% | -22.1% | 0 | 2 | 0 | 0 | 0 | 3 | 5/36 |
 UpstartUPSTUses AI models to approve personal loans that banks and investors then fund.ReportFact sheet | -3.8% | -59.7% | 0 | 4 | 1 | 0 | 0 | 0 | 5/36 |
Every filing behind this table closes on 2026-06-30; prices are the close of 2026-09-08. 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 3.
| Value | ○○○○○○ | 0 of 6 |
| Growth | ●●●○○○ | 3 of 6 |
| Quality | ●○○○○○ | 1 of 6 |
| Health | ●●○○○○ | 2 of 6 |
| Shareholder returns | ○○○○○○ | 0 of 6 |
| Trend analysis | ●●●○○○ | 3 of 6 |
What a normal margin looks like here
sector percentiles · 45 filers→Operating margin varies widely among consumer finance companies: the middle of the field runs from -19% to 26%, with a midpoint of 5% measured over 45 filers.
| Metric | Bottom third | Midpoint | Top third |
|---|---|---|---|
| Operating margin n=45 | -19.2% | 5.0% | 25.6% |
| Net margin n=77 | -2.7% | 7.0% | 18.2% |
| Return on equity n=79 | 4.8% | 9.1% | 16.1% |
Who grows, and who keeps it
every company in the industry→UPST, CLSK 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.
A year of price
not a fact about the business→3 of 9 are up over twelve months and the median move is -22.1% - Riot Platforms (RIOT) at +67.5% against Upstart (UPST) at -59.7%. 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.