Specialty Finance Industry Report
Market Cap: $731.4B
Stocks: 101
Median P/E: 7.4x
Median ROIC: 2.5%
Data sourced from SEC EDGAR filings. Report refreshed weekly.
Part of the Financials sector.
Performance Dashboard
| Period | Sector (MCW) | Sector (Median) |
|---|---|---|
| 1 Day | +0.1% | 0.0% |
| 1 Week | -1.3% | -0.1% |
| 1 Month | — | — |
| 3 Months | — | — |
| 6 Months | — | — |
| YTD | +0.2% | +0.7% |
| 1 Year | +19.6% | +5.3% |
| 3 Years | +173.6% | +19.4% |
| 5 Years | +63.1% | -28.4% |
Today's Breadth: 43 advancing · 47 declining · 6 flat
Valuation Summary
| Metric | Median | P25 | P75 | vs 5Y Avg |
|---|---|---|---|---|
| P/E | 7.4x | 0.0x | 16.3x | -11% |
| P/B | 1.2x | 0.0x | 3.7x | -8% |
| P/S | 1.0x | 0.0x | 4.2x | — |
| P/FCF | 3.4x | 0.2x | 15.1x | — |
| EV/EBITDA | 12.9x | 7.6x | 23.1x | — |
| EV/EBIT | 13.5x | 9.0x | 23.8x | — |
Earnings Yield
8.3%
FCF Yield
-0.1%
Below Fair Value
48% of stocks
Profitability Profile
Margins
| Metric | Median | 5Y Avg | P25 | P75 |
|---|---|---|---|---|
| Gross Margin | 50.5% | 53.3% | 24.2% | 72.2% |
| Operating Margin | 6.4% | — | -2.5% | 23.2% |
| Net Margin | 6.5% | 0.5% | -2.7% | 18.4% |
| FCF Margin | 16.8% | — | -1.3% | 43.5% |
Returns on Capital
| Metric | Median | 5Y Avg | P25 | P75 |
|---|---|---|---|---|
| ROE | 6.0% | — | -21.7% | 19.8% |
| ROA | 0.8% | — | -10.8% | 2.9% |
| ROIC | 2.5% | 0.0% | -17.0% | 9.6% |
Growth Metrics
| Metric | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|
| Revenue | +10.1% | +8.1% | +10.7% |
| EPS | +34.0% | +0.7% | +9.2% |
| Free Cash Flow | +8.4% | +11.1% | +12.2% |
All values represent sector median growth rates.
Balance Sheet Health
Debt / Equity
0.5x
Net Debt / EBITDA
1.0x
Interest Coverage
0.5x
Current Ratio
1.9x
Altman Z-Score
Safe (>3): 2 (12%)
Gray (1.8–3): 3 (18%)
Distress (<1.8): 12 (71%)
Piotroski F-Score
Strong (7–9): 5 (5%)
Moderate (4–6): 48 (48%)
Weak (0–3): 47 (47%)
Top Companies
| Symbol | #▲ | Mkt Cap | P/E | EV/EBITDA | ROIC | Net Mgn | Rev Gr. | Div Yld | YTD | Qual. |
|---|---|---|---|---|---|---|---|---|---|---|
| AXP | 1 | $228.1B | 24.7x | 17.8x | 12.8% | 26.2% | +6.4% | 0.9% | -0.5% | 6/9 |
| NU | 2 | $73.1B | 25.6x | — | 28.1% | 17.1% | +43.4% | — | +2.0% | 3/9 |
| COIN | 3 | $49.4B | 53.2x | 38.9x | 7.2% | 17.6% | +9.4% | — | -4.0% | 2/9 |
| MSTR | 4 | $36.8B | — | — | -10.9% | — | — | 0.4% | +3.6% | 3/9 |
| STRC | 5 | $27.8B | — | — | -10.9% | — | — | — | +0.1% | 1/9 |
| SYF | 6 | $27.6B | 9.2x | 36.9x | 10.8% | — | — | 1.3% | +1.8% | 4/9 |
| STRF | 7 | $26.8B | — | — | -10.9% | — | — | 1.4% | +2.4% | 1/9 |
| STRD | 8 | $21.1B | — | — | -10.9% | — | — | 1.7% | +2.9% | 1/9 |
| SOFI | 9 | $21.0B | — | — | 5.7% | 13.3% | +35.1% | — | -1.9% | 3/9 |
| STRK | 10 | $20.6B | — | — | -10.9% | — | — | 1.4% | +4.4% | 1/9 |
| AFRM | 11 | $18.1B | 453.7x | — | 0.7% | 1.6% | +38.8% | — | +2.5% | 0/9 |
| SLMBP | 12 | $15.7B | 21.3x | 110.4x | 8.9% | 36.7% | +7.3% | 0.7% | +1.2% | 5/9 |
| CRCL | 13 | $15.6B | — | — | -3.5% | -2.5% | +63.9% | — | — | 2/9 |
| IDCC | 14 | $12.1B | 28.0x | 19.7x | 40.9% | 48.8% | -4.0% | 0.8% | -2.2% | 6/9 |
| FIGR | 15 | $10.9B | — | — | 44.1% | 26.4% | +48.7% | — | — | 4/9 |
| DXF | 16 | $9.9B | — | — | — | — | — | — | +0.9% | 0/9 |
| WULF | 17 | $7.7B | — | — | -38.5% | — | — | — | -17.6% | 0/9 |
| HUT | 18 | $7.4B | — | — | -17.0% | -96.2% | — | — | +6.7% | 2/9 |
| CIFR | 19 | $6.8B | — | — | -39.2% | — | — | — | -10.7% | 0/9 |
| OMF | 20 | $6.8B | 10.5x | 23.3x | 3.1% | 176.0% | 0.0% | 6.0% | -4.3% | 2/9 |
Industry Composition
| Industry | Stocks | Market Cap | % | |
|---|---|---|---|---|
| Finance Services | 64 | $624.3B | 85.4% | |
| Personal Credit Institutions | 16 | $69.2B | 9.5% | |
| Patent Owners & Lessors | 10 | $19.2B | 2.6% | |
| Loan Brokers | 4 | $12.0B | 1.6% | |
| Financial - Mortgages | 2 | $3.7B | 0.5% | |
| Short-Term Business Credit Institutions | 5 | $2.9B | 0.4% |
Quality Distribution
0
1
2
3
4
5
6
7
8
9
Quality Score (0-9)
High Quality (7+)
0%
Median Piotroski F
4/9
Profitable Years
4 of 10
Dividends & Shareholder Returns
Paying Dividends
26%
Median Div Yield
1.7%
Median Buyback Yield
0.8%
Shareholder Yield
1.1%
Payout Ratio
21.3%
Div Growth (3Y)
6.0%
Div Growth (5Y)
10.8%
Strengths & Weaknesses
Strengths
- +[Cash Flow]Robust cash generation improvement with a median 5-year FCF CAGR of 12.2%, supporting capital returns and reinvestment capacity.
- +[Growth]Strong secular growth with a median 5-year revenue CAGR of 10.7%, outpacing nominal GDP.
- +[Profitability]High pricing power with a median gross margin of 50.5%, reflecting differentiated products or strong brand moats.
Weaknesses
- −[Financial Health]70.6% of companies fall in the Altman Z-Score distress zone (<1.8), indicating elevated bankruptcy risk within the sector.
- −[Leverage]Tight interest coverage at 0.5x, leaving limited cushion for debt servicing if earnings decline.
- −[Profitability]Below-average capital returns with a median ROIC of 2.5%, suggesting limited pricing power or capital-intensive operations.
- −[Quality]Only 0.0% of companies score 7+ on the quality checklist, reflecting structural challenges in achieving consistent returns across the sector.