Highly Leveraged Consumer Finance Companies

Total Debt
Total DebtEfficiencyMarket RiskExp Return
1KSPI Joint Stock
222.16 B
(0.07)
 3.22 
(0.22)
2NAVI Navient Corp
57.63 B
(0.05)
 2.35 
(0.11)
3COF Capital One Financial
49.32 B
 0.17 
 2.66 
 0.45 
4AXP American Express
49.16 B
 0.16 
 1.71 
 0.28 
5LU Lufax Holding
44.86 B
 0.06 
 5.25 
 0.29 
6DFS Discover Financial Services
21.33 B
 0.15 
 3.30 
 0.49 
7ALLY Ally Financial
20.23 B
(0.03)
 2.88 
(0.08)
8OMF OneMain Holdings
19.81 B
 0.12 
 2.45 
 0.28 
9SYF Synchrony Financial
15.98 B
 0.17 
 3.02 
 0.50 
10NNI Nelnet Inc
11.62 B
(0.05)
 1.76 
(0.08)
11LX Lexinfintech Holdings
5.51 B
 0.26 
 7.60 
 2.00 
12BFH Bread Financial Holdings
5.44 B
 0.02 
 3.60 
 0.06 
13SOFI SoFi Technologies
5.36 B
 0.36 
 3.30 
 1.17 
14SLM SLM Corp
5.23 B
 0.14 
 2.56 
 0.37 
15CACC Credit Acceptance
5.07 B
 0.05 
 2.04 
 0.11 
16ECPG Encore Capital Group
3.32 B
 0.00 
 1.80 
(0.01)
17PRAA PRA Group
3.08 B
(0.02)
 3.39 
(0.08)
18ENVA Enova International
2.97 B
 0.15 
 2.30 
 0.36 
19OPRT Oportun Financial Corp
2.94 B
 0.13 
 4.19 
 0.53 
20CPSS Consumer Portfolio Services
2.57 B
 0.15 
 2.39 
 0.36 
The analysis above is based on a 90-day investment horizon and a default level of risk. Use the Portfolio Analyzer to fine-tune all your assumptions. Check your current assumptions here.
Total Debt refers to the amount of long term interest-bearing liabilities that a company carries on its balance sheet. That may include bonds sold to the public, notes written to banks or capital leases. Typically, debt can help a company magnify its earnings, but the burden of interest and principal payments will eventually prevent the firm from borrow excessively. In most industries, total debt may also include the current portion of long-term debt. Since debt terms vary widely from one company to another, simply comparing outstanding debt obligations between different companies may not be adequate. It is usually meant to compare total debt amounts between companies that operate within the same sector.