Lending Report Summary

SIC Codes: 5932 6082 6111 6141 6162
NAICS Codes: 522210 522220 522291 522292 522293 522294 522298 522310

Chapters Include

  • Industry Overview
  • Quarterly Industry Update
  • Business Challenges
  • Trends and Opportunities
  • Call Preparation Questions
  • Financial Information
  • Industry Forecast
  • Website and Media Links
  • Glossary of Acronyms

Lending Industry Overview

Excerpt from Lending Report

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.

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