Valuation Trading Multiples & Precedent Transactions: Consumer Point-of-Sale Financing Companies
Valuation benchmarks for Consumer Point-of-Sale Financing Companies. Access public trading comps, EV/EBITDA acquisition multiples, and private market data for pitch books and valuation analysis.
1.1 - Consumer Point-of-Sale Financing Companies Market Context & Valuation Drivers
Companies in this public trading comparables group provide consumer point-of-sale financing across e-commerce and retail, including buy now, pay later and lease-to-own options. They enable purchases of durable goods via short-term installments or rental-to-own, monetizing through merchant discount fees, interest and servicing income. They are comparable for valuation due to similar underwriting approaches, receivables-based balance sheets, and omnichannel checkout integrations.
Typical capabilities include BNPL installments, lease-to-own programs, installment credit lines, virtual cards for online checkout, and merchant tools that lift conversion and average order value. Platforms deliver real-time credit decisioning, fraud and risk scoring, payment orchestration, account servicing and collections. They provide consumer wallets, mobile apps, and APIs for e-commerce and POS integration, plus analytics for merchants and funding/securitization channels to support originations.
Primary customer segments include e-commerce retailers, brick-and-mortar merchants, and consumers purchasing electronics, furniture, appliances and other durable goods. Key valuation metrics include GMV and originations growth, take-rate and revenue mix, approval and repeat usage rates, net charge-offs and loss ratios, contribution and operating margins, and receivables funding costs. Cohort performance, customer retention, and merchant penetration also drive unit economics and comparable company analysis.
2. Valuation Analysis: Public Trading Comps & Multiples for Consumer Point-of-Sale Financing Companies companies
2.1 - Public Peer Groups & Median Valuation Multiples for Consumer Point-of-Sale Financing Companies sector
Comparable group 1: Consumer Point-of-Sale Financing Companies
Progressive Leasing
- Enterprise value: $●●●m
- Market Cap: $●●●m
- EV/Revenue: ●.●x
- EV/EBITDA: ●●.●x
- Description: Provider of e-commerce, app-based, and in-store lease-to-own solutions that provide transparent and competitive payment options with flexible terms to help consumers of all financial backgrounds achieve merchandise ownership. The company has helped millions of consumers acquire various merchandise including furniture, appliances, and electronics
- Key Products:
- Lease-to-Own Solutions: Lease-to-own purchase options for consumers with various merchandise including appliances, furniture, jewelry, electronics, mattresses, mobile devices and accessories, and musical instruments
- Flexible Payment Options: Different payment plans such as 12-month standard lease, 90-day payment option, and customized plans
- Store Integration: Lease-purchase options easily integrated with stores for alternative lease-purchase options
- Online Shopping: Ability for consumers to shop online and place orders through retailer websites with lease-to-own agreements
- Customer Support: Comprehensive customer service support available online and via phone to assist with purchases and account management
Upbound
- Enterprise value: $●●●m
- Market Cap: $●●●m
- EV/Revenue: ●.●x
- EV/EBITDA: ●●.●x
- Description: Provider of infrastructure and financial management platforms, offering solutions for managing, scaling, and optimizing services across multiple cloud environments, as well as financial products like lease-to-own options to elevate financial opportunities for users.
- Key Products:
- Cloud Infrastructure Management: Tools for scaling and optimization of cloud services
- Managed Control Planes: Tailored solutions for platform teams
- Lease-to-Own Services: Flexible payment options for various goods
- Financial Technology: Innovative financial products and services
- Crossplane Control Planes: Integration with Kubernetes for cloud management.