Consumer Finance Companies By Retained Earnings

Retained Earnings
Retained EarningsEfficiencyMarket RiskExp Return
1KSPI Joint Stock
1.05 T
(0.07)
 3.27 
(0.24)
2LU Lufax Holding
65.49 B
 0.03 
 5.14 
 0.17 
3COF Capital One Financial
60.95 B
 0.16 
 2.64 
 0.43 
4DFS Discover Financial Services
30.45 B
 0.15 
 3.26 
 0.48 
5AXP American Express
19.61 B
 0.15 
 1.67 
 0.26 
6SYF Synchrony Financial
18.66 B
 0.17 
 3.01 
 0.51 
7QFIN 360 Finance
16.3 B
 0.19 
 3.25 
 0.62 
8FINV FinVolution Group
9.12 B
 0.12 
 2.50 
 0.29 
9QD Qudian Inc
8.58 B
 0.14 
 3.33 
 0.48 
10LX Lexinfintech Holdings
6.85 B
 0.19 
 6.77 
 1.27 
11NAVI Navient Corp
4.64 B
(0.03)
 2.35 
(0.08)
12SLM SLM Corp
3.62 B
 0.11 
 2.30 
 0.25 
13NNI Nelnet Inc
3.28 B
(0.04)
 1.75 
(0.08)
14YRD Yirendai
2.99 B
 0.04 
 6.12 
 0.23 
15XYF X Financial Class
2.69 B
 0.14 
 4.46 
 0.60 
16OMF OneMain Holdings
2.29 B
 0.11 
 2.46 
 0.26 
17JFIN Jiayin Group
1.53 B
 0.02 
 4.12 
 0.08 
18PRAA PRA Group
1.49 B
(0.03)
 3.34 
(0.09)
19ENVA Enova International
1.49 B
 0.13 
 2.31 
 0.30 
20CACC Credit Acceptance
1.48 B
(0.03)
 1.97 
(0.05)
The analysis above is based on a 90-day investment horizon and a default level of risk. Use the Portfolio Analyzer to fine-tune all your assumptions. Check your current assumptions here.
Retained Earnings is a balance sheet account that refers to the portion of company income that is retained by the firm. In other words, it is a part of earnings that is not paid out as dividends or otherwise distributed to owners. Retained Earnings are calculated by adding net income to last period retained earnings and subtracting any dividends paid to owners. Retained Earnings shows how the firm utilizes its profits over time. In simple terms, investors can think of retained earnings as the amount of profit the company has reinvested in the business since its inceptions. However the methodology to make a decision over how much profit to retain is different between companies in different industries. For example, growing industries tend to retain more of their earnings than more matured industries as they need more assets investment to sustain their growth.