Based on key financial metrics such as the price-to-sales ratio, shareholder yield and the price-earnings ratio, the following 6 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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6 Undervalued Consumer Finance Stocks

Of course, there are countless value stocks that are worth mentioning, but this is a concise list of the top 6 undervalued stocks in the Consumer Finance industry for Tuesday, February 24, 2026. 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.

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.

Capital One Financial Corporation’s Value Grade

Value Grade:

Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

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.

Capital One Financial Corporation has a Value Score of 66, which is considered to be undervalued.

Capital One Financial Corporation’s price-earnings ratio is 56.60 compared to the industry median at 9.65. This means it has a higher share price relative to earnings compared to its peers. This could make Capital One Financial Corporation less attractive for value investors.

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. Capital One Financial Corporation’s shareholder yield is lower than its industry median ratio of 2.00%. 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. Capital One Financial Corporation’s price-to-book ratio is lower than its industry median ratio of 1.36. This could make Capital One Financial Corporation more attractive to investors looking for a new addition to their portfolio.

Lastly, let’s take a look at Capital One Financial Corporation’s price-to-free-cash-flow ratio (P/FCF), which can indicate a company’s market value relative to its operating cash flow. Capital One Financial Corporation’s price-to-free-cash-flow ratio is higher than its industry median ratio of 3.85. This could make Capital One Financial Corporation less attractive because the higher P/FCF ratio indicates that Capital One Financial Corporation 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.

Encore Capital Group, Inc.’s Value Grade

Value Grade:

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

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.

Encore Capital Group, Inc. has a Value Score of 83, which is considered to be undervalued.

Encore Capital Group, Inc.’s price-to-book ratio is lower than its peers. This could make Encore Capital Group, Inc. fairly attractive for value investors when compared to the industry median at 1.36.

You can read more about Encore Capital Group, 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.

NerdWallet, Inc.’s Value Grade

Value Grade:

NerdWallet, Inc. operates a digital platform that provides financial guidance to consumers and small and mid-sized businesses (SMB) in the United States, the United Kingdom, Australia, and Canada. The company’s NerdWallet app delivers various financial products, such as credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. It also provides guidance to consumers through educational content, tools and calculators, and product marketplaces. NerdWallet, Inc. was founded in 2009 and is based in San Mateo, California.

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.

NerdWallet, Inc. has a Value Score of 82, which is considered to be undervalued.

NerdWallet, Inc.’s price-earnings ratio is 10.1 compared to the industry median at 9.7. This means that it has a higher price relative to its earnings compared to its peers. This makes NerdWallet, Inc. less attractive for value investors.

NerdWallet, Inc.’s price-to-book ratio is lower than its peers. This could make NerdWallet, Inc. more attractive for value investors when compared to the industry median at 1.36.

You can read more about NerdWallet, 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.

PRA Group, Inc.’s Value Grade

Value Grade:

PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. The company purchases accounts that are primarily unpaid obligations of individuals owed to credit originators. It also purchases and collects nonperforming loans, which are sold by credit originators when they choose not to pursue, or have been unsuccessful in, collecting the full balance owed. In addition, the company is involved in purchasing and collecting on nonperforming loans where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. Its nonperforming loans, includes general purpose and private label credit cards, consumer loans, auto loans, overdrafts, and small business loans. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.

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.

PRA Group, Inc. has a Value Score of 90, which is considered to be undervalued.

PRA Group, Inc.’s price-to-book ratio is higher than its peers. This could make PRA Group, Inc. less attractive for value investors when compared to the industry median at 1.36.

You can read more about PRA Group, 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.

Qfin Holdings, Inc.’s Value Grade

Value Grade:

Qfin Holdings, Inc., together with its subsidiaries, operate AI- driven credit-tech platform under the Qifu Jietiao brand in the People’s Republic of China. The company provides credit-driven services that match borrowers with financial institutions to conduct borrower acquisition, credit assessment, fund matching, and post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under an intelligence credit engine, referral services, and other technology solutions. It serves financial institutions, consumers, and small and micro-enterprises. The company was formerly known as Qifu Technology, Inc. and changed its name to Qfin Holdings, Inc. in July 2025. Qfin Holdings, Inc. was founded in 2016 and is headquartered in Shanghai, the People’s Republic of China.

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.

Qfin Holdings, Inc. has a Value Score of 100, which is considered to be undervalued.

Qfin Holdings, Inc.’s price-earnings ratio is 2.1 compared to the industry median at 9.7. This means that it has a lower price relative to its earnings compared to its peers. This makes Qfin Holdings, Inc. more attractive for value investors.

Qfin Holdings, Inc.’s price-to-book ratio is higher than its peers. This could make Qfin Holdings, Inc. less attractive for value investors when compared to the industry median at 1.36.

You can read more about Qfin 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.

Regional Management Corp.’s Value Grade

Value Grade:

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products. The company also provides optional payment and collateral protection insurance relating to its loan products, including credit life insurance, accidental and health insurance, involuntary unemployment insurance, and personal property insurance; and reinsurance services. In addition, its loans are sourced through branches, direct mail campaigns, digital partners, and consumer website. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

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.

Regional Management Corp. has a Value Score of 97, which is considered to be undervalued.

Regional Management Corp.’s price-earnings ratio is 7.2 compared to the industry median at 9.7. This means that it has a lower price relative to its earnings compared to its peers. This makes Regional Management Corp. more attractive for value investors.

Regional Management Corp.’s price-to-book ratio is higher than its peers. This could make Regional Management Corp. less attractive for value investors when compared to the industry median at 1.36.

You can read more about Regional Management 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.

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 6 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.

• Capital One Financial Corporation stock has a Value Grade of B.
• Encore Capital Group, Inc. stock has a Value Grade of A.
• NerdWallet, Inc. stock has a Value Grade of A.
• PRA Group, Inc. stock has a Value Grade of A.
• Qfin Holdings, Inc. stock has a Value Grade of A.
• Regional Management Corp. stock has a Value Grade of A.

Now that you have a bit more background about each of the 6 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.

• 6 Undervalued Consumer Finance Stocks for Tuesday, February 24
• Is Capital One Financial Corporation (COF) Overvalued?
• Is Capital One Financial Corporation (COF) Overvalued?
• Why Ally Financial Inc.’s (ALLY) Stock Is Down 5.17%

AAII Disclaimer

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