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Based on key financial metrics such as the price-to-sales ratio, shareholder yield and the price-earnings ratio, the following 5 stocks made the list for top value stocks in the Consumer Finance industry. Those looking for value stocks to add to their portfolio may want to use this list as a starting point for further investment research.

Why Focus on Undervalued Consumer Finance Stocks?

Value investors seek to buy stocks at a discount to their intrinsic value. Long-term returns show that such strategies are advantageous. Value stocks, as a group, tend to outperform growth stocks over extended periods of time. Typically, value investors perform financial analysis of numerous metrics, don’t follow the herd and are long-term investors.

AAII’s A+ Investor Value Grade is derived from a stock’s Value Score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

What Goes Into AAII’s Value Grade?

Stock evaluation requires access to huge amounts of data as well as the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movement. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors with that task.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A–F grades for more than just value. It is possible for a stock to appear cheap based on one valuation metric but appear expensive on another. It is also possible for one valuation ratio to be associated with outperforming stocks during certain periods of time but not others. Some stocks may even have null values for certain metrics like the price-earnings ratio or the price-to-book ratio but not others. An example of this would be a company with losses instead of profits or a negative book value because of heavy borrowing. Negative earnings or book value result in non-meaningful ratios that are left blank or null.

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5 Undervalued Consumer Finance Stocks

Of course, there are countless value stocks that are worth mentioning, but this is a concise list of the top 5 undervalued stocks in the Consumer Finance industry for Friday, November 28, 2025. Let’s take a closer look at their individual scores to see how they measure up against each other and the Consumer Finance industry median.

Company	Ticker	Price/Sales	Price/Earnings	EV/EBITDA	Shareholder Yield	Price/Book Value	Price/Free Cash Flow	Value Grade
Jefferson Capital, Inc.	JCAP	na	7.5	3.8	4.6%	2.79	6.1	A
Medallion Financial Corp.	MFIN	0.67	5.8	13.9	3.2%	0.57	2.0	A
Nelnet, Inc.	NNI	2.79	10.9	na	1.2%	1.28	11.2	B
OneMain Holdings, Inc.	OMF	2.55	10.5	na	7.6%	2.17	2.7	A
Synchrony Financial	SYF	3.02	8.5	na	8.3%	1.75	3.2	A

The Value Grade is assigned based on how each stock’s composite valuation compares to all other stocks.

The process for assigning grades starts with each variable for a given stock. The percentile rankings for all valid ratios that a stock has are calculated. So, for instance, a stock could have a price-to-book ranking in the 43rd percentile, a price-earnings ranking in the 67th percentile, a price-to-sales ranking in the 23rd percentile, etc. Then, those rankings are averaged for each stock. (A minimum of two valid variables are required, though all six will be used if available.)

Once the average of the individual variables is calculated, that average is ranked against all stocks. Put another way, each stock’s composite valuation is compared to all other stocks. These ranks are then sorted into quintiles from the cheapest 20% (a grade of A) to the most expensive 20% (a grade of F).

As always, we recommend that you conduct proper due diligence and research before investing in any security. We also suggest that investors utilize numerous grades, not just value, when it comes to deciding whether a company is a good fit for their allocation needs.

Jefferson Capital, Inc.’s Value Grade

Value Grade:

Metric	Score	JCAP	Industry Median
Price/Sales	na	na	1.21
Price/Earnings	9	7.5	10.5
EV/EBITDA	7	3.8	5.8
Shareholder Yield	18	4.6%	2.2%
Price/Book Value	62	2.79	1.26
Price/Free Cash Flow	12	6.1	4.3

Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. The company primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. It offers consumer receivables, including credit card, secured and unsecured automotive, telecom and utilities, and other receivables. The company also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Sartell, Minnesota.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

Jefferson Capital, Inc. has a Value Score of 94, which is considered to be undervalued.

Jefferson Capital, Inc.’s price-earnings ratio is 7.50 compared to the industry median at 10.50. This means it has a lower share price relative to earnings compared to its peers. This could make Jefferson Capital, Inc. more attractive for value investors.

Now, let’s assess Jefferson Capital, Inc.’s EV/EBITDA ratio, also known as enterprise multiple. At 3.8, when compared to the industry median of 5.8, the company may be considered undervalued in relation to its peers. Value investors could use the enterprise multiple to identify stocks that are considered overvalued or undervalued relative to their industry.

Shareholder yield is the sum of a stock’s dividend yield (paid over previous 12 months minus special dividends) and the percentage of net share buybacks over the previous 12 months. Jefferson Capital, Inc.’s shareholder yield is higher than its industry median ratio of 2.20%. Value investors may look for an attractive shareholder yield because it can be a powerful tool for identifying if the company has a good management team.

As one of the most common value metrics, the price-to-book ratio evaluates a company’s current market price relative to its book value. Jefferson Capital, Inc.’s price-to-book ratio is higher than its industry median ratio of 1.26. This could make Jefferson Capital, Inc. less attractive to investors looking for a new addition to their portfolio.

Lastly, let’s take a look at Jefferson Capital, Inc.’s price-to-free-cash-flow ratio (P/FCF), which can indicate a company’s market value relative to its operating cash flow. Jefferson Capital, Inc.’s price-to-free-cash-flow ratio is higher than its industry median ratio of 4.30. This could make Jefferson Capital, Inc. less attractive because the higher P/FCF ratio indicates that Jefferson Capital, Inc. is undervalued. The P/FCF ratio metric can also be viewed over a long-term time frame to see if the company's cash flow to share price value is generally improving or worsening.

Medallion Financial Corp.’s Value Grade

Value Grade:

Metric	Score	MFIN	Industry Median
Price/Sales	24	0.67	1.21
Price/Earnings	5	5.8	10.5
EV/EBITDA	56	13.9	5.8
Shareholder Yield	25	3.2%	2.2%
Price/Book Value	9	0.57	1.26
Price/Free Cash Flow	4	2.0	4.3

Medallion Financial Corp., together with its subsidiaries, operates as a specialty finance company in the United States. It operates in four segments: Recreation Lending, Home Improvement Lending, Commercial Loans, Taxi Medallion Lending, and Strategic Partnership Loans. The company offers loans that finance consumer purchases of recreational vehicles, boats, collector cars, and other consumer recreational equipment; consumer financing for window, siding, and roof replacement, swimming pool installations, and other home improvement projects; senior and subordinated loans for the purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and taxi medallion loans to individuals and small to mid-size businesses. It also provides debt, mezzanine, and equity investment capital to companies in various commercial industries; and raises deposits and conducts other banking activities. The company was incorporated in 1995 and is headquartered in New York City, New York.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

Medallion Financial Corp. has a Value Score of 95, which is considered to be undervalued.

Medallion Financial Corp.’s price-earnings ratio is 5.8 compared to the industry median at 10.5. This means that it has a lower price relative to its earnings compared to its peers. This makes Medallion Financial Corp. more attractive for value investors.

Medallion Financial Corp.’s price-to-book ratio is higher than its peers. This could make Medallion Financial Corp. less attractive for value investors when compared to the industry median at 1.26.

You can read more about Medallion Financial Corp.’s key financial metrics like shareholder yield, price-to-free-cash-flow and EV/EBITDA ratio, or learn more about its Momentum and Growth Grades, by subscribing to A+ Investor.

Nelnet, Inc.’s Value Grade

Value Grade:

Metric	Score	NNI	Industry Median
Price/Sales	60	2.79	1.21
Price/Earnings	21	10.9	10.5
EV/EBITDA	na	na	5.8
Shareholder Yield	36	1.2%	2.2%
Price/Book Value	35	1.28	1.26
Price/Free Cash Flow	28	11.2	4.3

Nelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide. The company operates through four segments: Loan Servicing and Systems, Education Technology Services and Payments, Asset Generation and Management, and Nelnet Bank. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer, payment processing, due diligence procedures, funds management reconciliation, and claim processing services. This segment also offers student loan servicing software; and business process outsourcing services primarily in contact center management, such as inbound calls, outreach campaigns and sales, and interacting with customers through multi-channels, and processing and administrative services. The Education Technology Services and Payments segment provides financial management services; school information system software; a donation platform; education technology solutions; and customized professional development and coaching, and advanced learning and educational instruction services. This segment also offers tuition payment plans, and service and technology for student billings, payments, and refunds; solutions for in-person, online, and mobile payment experiences on campus; payment processing services, such as credit card and electronic transfer; learning management system; an integrated commerce payment platform; and a school management platform that provides administrative, information and financial management, and communication functions for K-12 schools. The Asset Generation and Management segment acquires, manages, and owns loan assets. The Nelnet Bank segment operates as an internet industrial bank. It also offers investment advisory, investment, and reinsurance services, as well as engages in the real estate investment; and solar engineering, procurement, and construction businesses. The company was incorporated in 1977 and is headquartered in Lincoln, Nebraska.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

Nelnet, Inc. has a Value Score of 72, which is considered to be undervalued.

Nelnet, Inc.’s price-earnings ratio is 10.9 compared to the industry median at 10.5. This means that it has a higher price relative to its earnings compared to its peers. This makes Nelnet, Inc. less attractive for value investors.

Nelnet, Inc.’s price-to-book ratio is lower than its peers. This could make Nelnet, Inc. fairly attractive for value investors when compared to the industry median at 1.26.

You can read more about Nelnet, Inc.’s key financial metrics like shareholder yield, price-to-free-cash-flow and EV/EBITDA ratio, or learn more about its Momentum and Growth Grades, by subscribing to A+ Investor.

OneMain Holdings, Inc.’s Value Grade

Value Grade:

Metric	Score	OMF	Industry Median
Price/Sales	57	2.55	1.21
Price/Earnings	19	10.5	10.5
EV/EBITDA	na	na	5.8
Shareholder Yield	9	7.6%	2.2%
Price/Book Value	55	2.17	1.26
Price/Free Cash Flow	5	2.7	4.3

OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

OneMain Holdings, Inc. has a Value Score of 84, which is considered to be undervalued.

OneMain Holdings, Inc.’s price-earnings ratio is 10.5 compared to the industry median at 10.5. This means that it has a higher price relative to its earnings compared to its peers. This makes OneMain Holdings, Inc. fairly attractive for value investors.

OneMain Holdings, Inc.’s price-to-book ratio is lower than its peers. This could make OneMain Holdings, Inc. more attractive for value investors when compared to the industry median at 1.26.

You can read more about OneMain Holdings, Inc.’s key financial metrics like shareholder yield, price-to-free-cash-flow and EV/EBITDA ratio, or learn more about its Momentum and Growth Grades, by subscribing to A+ Investor.

Synchrony Financial’s Value Grade

Value Grade:

Metric	Score	SYF	Industry Median
Price/Sales	63	3.02	1.21
Price/Earnings	12	8.5	10.5
EV/EBITDA	na	na	5.8
Shareholder Yield	7	8.3%	2.2%
Price/Book Value	47	1.75	1.26
Price/Free Cash Flow	6	3.2	4.3

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

Synchrony Financial has a Value Score of 87, which is considered to be undervalued.

Synchrony Financial’s price-earnings ratio is 8.5 compared to the industry median at 10.5. This means that it has a lower price relative to its earnings compared to its peers. This makes Synchrony Financial more attractive for value investors.

Synchrony Financial’s price-to-book ratio is lower than its peers. This could make Synchrony Financial more attractive for value investors when compared to the industry median at 1.26.

You can read more about Synchrony Financial’s key financial metrics like shareholder yield, price-to-free-cash-flow and EV/EBITDA ratio, or learn more about its Momentum and Growth Grades, by subscribing to A+ Investor.

Other Consumer Finance Stock Grades

Value is just one of the five Stock Grades included in our A+ Investor service. AAII members can see the top-graded stocks—those with grades of A or B for value, growth, momentum, earnings estimate revisions and quality—on the A+ Stock Grades Screener.

Also, if you want full access to all of AAII’s premium services, you can subscribe to one convenient bundled plan called AAII Platinum where you can try out A+ Investor, AAII Dividend Investing, the Stock Superstars Report, Growth Investing and VMQ Stocks. With the other premium services, you can dive deep into additional metrics, portfolios, commentary and information about Consumer Finance stocks as well as other industrys.

Choosing Which of the 5 Best Consumer Finance Stocks Is Right for You

Choosing which value stocks to invest in will ultimately depend on your individual goals and allocation; however, comparing similar value stocks in the same industry can help you analyze which might be better investments for you in the long run. So, let’s take a look at the Value Grade for all of our stocks.

Jefferson Capital, Inc. stock has a Value Grade of A.
Medallion Financial Corp. stock has a Value Grade of A.
Nelnet, Inc. stock has a Value Grade of B.
OneMain Holdings, Inc. stock has a Value Grade of A.
Synchrony Financial stock has a Value Grade of A.

Now that you have a bit more background about each of the 5 undervalued stocks in the Consumer Finance industry as well as their overall grades, it’s time for you to conduct additional research to see if these could fit your portfolio needs based on your goals and risk tolerance. AAII can help you figure out both and identify which investments align with what works best for you.

We do so through a program of education that teaches you to invest for yourself and become an effective manager of your own wealth—no more relying on others for your financial independence. You can rely on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis that makes you a better investor.

A+ Investor adds to that qualitative teaching by giving you a powerful data suite that helps you whittle down investment decisions to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

Additional Resources About Consumer Finance Stocks

Want to learn more about Consumer Finance stocks to see if they could be the right investment for you? Check out some additional resources and articles to help you on your financial journey.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith and we accept no liability for any errors or omissions. The full disclaimer can be read here.