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 Wednesday, March 11, 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.
| Company | Ticker | Price/Sales | Price/Earnings | EV/EBITDA | Shareholder Yield | Price/Book Value | Price/Free Cash Flow | Value Grade |
| Ally Financial Inc. | ALLY | na | 15.8 | na | 3.2% | 0.88 | na | A |
| Credit Acceptance Corporation | CACC | 4.67 | 13.7 | na | 11.0% | 3.50 | 5.4 | B |
| Enova International, Inc. | ENVA | 2.37 | 12.1 | na | 5.3% | 2.57 | 2.0 | A |
| Green Dot Corporation | GDOT | 0.31 | na | na | (3.1%) | 0.69 | 6.4 | A |
| Synchrony Financial | SYF | 2.49 | 7.1 | na | 11.4% | 1.46 | 2.6 | A |
| World Acceptance Corporation | WRLD | 1.24 | 16.7 | 12.3 | 12.5% | 1.89 | 2.8 | 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.
Ally Financial Inc.’s Value Grade
Value Grade:
| Metric | Score | ALLY | Industry Median |
| Price/Sales | na | na | 1.06 |
| Price/Earnings | 39 | 15.8 | 9.4 |
| EV/EBITDA | na | na | 5.6 |
| Shareholder Yield | 24 | 3.2% | 2.0% |
| Price/Book Value | 20 | 0.88 | 1.42 |
| Price/Free Cash Flow | na | na | 2.9 |
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers’ vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
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.
Ally Financial Inc. has a Value Score of 87, which is considered to be undervalued.
Ally Financial Inc.’s price-earnings ratio is 15.80 compared to the industry median at 9.40. This means it has a higher share price relative to earnings compared to its peers. This could make Ally Financial Inc. 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. Ally Financial Inc.’s shareholder yield is higher 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. Ally Financial Inc.’s price-to-book ratio is lower than its industry median ratio of 1.42. This could make Ally Financial Inc. more attractive to investors looking for a new addition to their portfolio.
Credit Acceptance Corporation’s Value Grade
Value Grade:
| Metric | Score | CACC | Industry Median |
| Price/Sales | 77 | 4.67 | 1.06 |
| Price/Earnings | 32 | 13.7 | 9.4 |
| EV/EBITDA | na | na | 5.6 |
| Shareholder Yield | 4 | 11.0% | 2.0% |
| Price/Book Value | 70 | 3.50 | 1.42 |
| Price/Free Cash Flow | 12 | 5.4 | 2.9 |
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
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.
Credit Acceptance Corporation has a Value Score of 66, which is considered to be undervalued.
Credit Acceptance Corporation’s price-earnings ratio is 13.7 compared to the industry median at 9.4. This means that it has a higher price relative to its earnings compared to its peers. This makes Credit Acceptance Corporation less attractive for value investors.
Credit Acceptance Corporation’s price-to-book ratio is lower than its peers. This could make Credit Acceptance Corporation more attractive for value investors when compared to the industry median at 1.42.
You can read more about Credit Acceptance Corporation’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.
Enova International, Inc.’s Value Grade
Value Grade:
| Metric | Score | ENVA | Industry Median |
| Price/Sales | 54 | 2.37 | 1.06 |
| Price/Earnings | 26 | 12.1 | 9.4 |
| EV/EBITDA | na | na | 5.6 |
| Shareholder Yield | 14 | 5.3% | 2.0% |
| Price/Book Value | 60 | 2.57 | 1.42 |
| Price/Free Cash Flow | 4 | 2.0 | 2.9 |
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
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.
Enova International, Inc. has a Value Score of 81, which is considered to be undervalued.
Enova International, Inc.’s price-earnings ratio is 12.1 compared to the industry median at 9.4. This means that it has a higher price relative to its earnings compared to its peers. This makes Enova International, Inc. less attractive for value investors.
Enova International, Inc.’s price-to-book ratio is lower than its peers. This could make Enova International, Inc. more attractive for value investors when compared to the industry median at 1.42.
You can read more about Enova International, 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.
Green Dot Corporation’s Value Grade
Value Grade:
| Metric | Score | GDOT | Industry Median |
| Price/Sales | 13 | 0.31 | 1.06 |
| Price/Earnings | na | na | 9.4 |
| EV/EBITDA | na | na | 5.6 |
| Shareholder Yield | 65 | (3.1%) | 2.0% |
| Price/Book Value | 15 | 0.69 | 1.42 |
| Price/Free Cash Flow | 14 | 6.4 | 2.9 |
Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It offers money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services consisting of tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Provo, Utah.
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.
Green Dot Corporation has a Value Score of 88, which is considered to be undervalued.
Green Dot Corporation’s price-to-book ratio is higher than its peers. This could make Green Dot Corporation less attractive for value investors when compared to the industry median at 1.42.
You can read more about Green Dot Corporation’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 | 56 | 2.49 | 1.06 |
| Price/Earnings | 8 | 7.1 | 9.4 |
| EV/EBITDA | na | na | 5.6 |
| Shareholder Yield | 4 | 11.4% | 2.0% |
| Price/Book Value | 40 | 1.46 | 1.42 |
| Price/Free Cash Flow | 5 | 2.6 | 2.9 |
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It 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 firms. In addition, the company 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, Pandora, Polaris, Suzuki, and Sweetwater. It 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 93, which is considered to be undervalued.
Synchrony Financial’s price-earnings ratio is 7.1 compared to the industry median at 9.4. 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 1.42.
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.
World Acceptance Corporation’s Value Grade
Value Grade:
| Metric | Score | WRLD | Industry Median |
| Price/Sales | 37 | 1.24 | 1.06 |
| Price/Earnings | 42 | 16.7 | 9.4 |
| EV/EBITDA | 47 | 12.3 | 5.6 |
| Shareholder Yield | 3 | 12.5% | 2.0% |
| Price/Book Value | 50 | 1.89 | 1.42 |
| Price/Free Cash Flow | 5 | 2.8 | 2.9 |
World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides income tax return preparation and electronic filing services; and automobile club memberships. The company serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, 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.
World Acceptance Corporation has a Value Score of 82, which is considered to be undervalued.
World Acceptance Corporation’s price-earnings ratio is 16.7 compared to the industry median at 9.4. This means that it has a higher price relative to its earnings compared to its peers. This makes World Acceptance Corporation less attractive for value investors.
World Acceptance Corporation’s price-to-book ratio is lower than its peers. This could make World Acceptance Corporation more attractive for value investors when compared to the industry median at 1.42.
You can read more about World Acceptance Corporation’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.
- Ally Financial Inc. stock has a Value Grade of A.
- Credit Acceptance Corporation stock has a Value Grade of B.
- Enova International, Inc. stock has a Value Grade of A.
- Green Dot Corporation stock has a Value Grade of A.
- Synchrony Financial stock has a Value Grade of A.
- World Acceptance Corporation 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 Wednesday, March 11
- Why DeFi Development Corp.’s (DFDV) Stock Is Up 6.98%
- Why Oportun Financial Corporation’s (OPRT) Stock Is Down 5.26%
- Why OppFi Inc.’s (OPFI) Stock Is Down 5.76%
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