Lending Industry
Insights from D&B Hoovers

Industry Overview

Description

Companies in this industry provide secured and unsecured loans and other credit and financing products but do not act as depository banks. Major companies include US-based American Express, Capital One Financial, Discover Financial, OneMain Holdings, and SLM (better known as Sallie Mae), as well as Housing Development Finance (India) and Provident Financial (UK).

Competitive Landscape

Demand is driven by interest rates, consumer confidence, and capital spending by businesses. The profitability of individual companies depends on their ability to originate, service, and collect loans, as well as to collect fees and interest on credit and other financing products. Large companies have economies of scale in securing access to capital. Small companies can compete effectively by specializing. The US industry is highly concentrated: the top 50 companies account for about 85% of revenue.

Products, Operations & Technology

Major products and services include charge and credit cards, mortgages, auto loans, payday loans, student loans, and business loans.

Geographic Segmentation

See where the Lending industry is concentrated geographically and research companies by financials and key corporate data.

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