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BUSINESS AND CONSUMER FINANCE COMPANIES' RETURN ON EQUITY, 2007-2011 (1)
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  Business finance companies'
return on average equity (2)		 Consumer finance companies'
return on average equity (3)
Year Median Average Median Average
2007 11.70% 15.67% 11.61% -5.76%
2008 9.38 -2.39 5.31 13.84
2009 6.61 2.89 7.37 -1.96
2010 7.81 5.95 14.12 3.22
2011 9.33 7.19 13.73 11.96

(1) Net income as a percentage of average equity.
(2) Includes 34 public and private commercial lenders; excludes government-sponsored enterprises (GSEs), mortgage real estate investment trusts (REITs) and real estate companies.
(3) Includes 38 public and private consumer lenders; excludes GSEs, REITs and real estate companies.

Source: SNL Financial LC.

 

Archived Tables

Business And Consumer Finance Companies' Return On Equity, 2003-2007 (1)
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  Business finance companies' return on average equity (2)  Consumer finance companies' return on average equity (3) 
 Year Median Average Median Average
2003 4.63% 3.32% 17.39% 26.40%
2004 8.99 -21.82 17.76 12.99
2005 8.79 32.38 17.60 14.99
2006 10.12 6.82 17.01 12.84
2007 10.20 11.15 13.93 6.95

(1) Net income as a percentage of average equity.
(2) Consists of 25 publicly traded commercial finance companies including niche, diversified commercial and equipment finance companies. Does not include government-sponsored enterprises (GSEs), finance Real Estate Investment Trusts (REITs), mortgage or real estate companies.
(3) Consists of 26 publicly traded consumer finance companies including auto finance, credit card, niche and diversified consumer companies and pawn shops. Does not include GSEs, finance REITs, or mortgage or real estate companies. 

Source: SNL Financial LC.
 
BUSINESS AND CONSUMER FINANCE COMPANIES' RETURN ON EQUITY, 2006-2009 (1)
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  Business finance companies' return on average equity (2) Consumer finance companies' return on average equity (3)
Year Median Average Median Average
2006 11.27% 13.80% 17.71% 4.92%
2007 11.94 12.68 11.34 2.91
2008 9.69 7.94 5.31 -6.86
2009 7.84 8.86 11.08 0.85

(1) Net income as a percentage of average equity.
(2) Includes 30 public and private commercial lenders; excludes government-sponsored enterprises (GSEs), mortgage real estate investment trusts (REITs) and real estate companies.
(3) Includes 34 public and private consumer lenders; excludes GSEs, REITs and real estate companies.

Source: SNL Financial LC.

 
BUSINESS AND CONSUMER FINANCE COMPANIES' RETURN ON EQUITY, 2007-2010 (1)
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  Business finance companies' return on average equity (2) Consumer finance companies' return on average equity (3)
Year Median Average Median Average
2007 11.74% 15.90% 11.67% -1.90%
2008 9.28 -4.71 7.36 18.71
2009 6.29 0.22 11.08 1.75
2010 7.62 5.83 15.32 5.08

(1) Net income as a percentage of average equity.
(2) Includes 35 public and private commercial lenders; excludes government-sponsored enterprises (GSEs), mortgage real estate investment trusts (REITs) and real estate companies.
(3) Includes 36 public and private consumer lenders; excludes GSEs, REITs and real estate companies.

Source: SNL Financial LC.