Overview

Revving up: An increase in accessible credit markets and decrease in unemployment will lead to continued industry growth

IBISWorld’s industry research report on Auto Leasing, Loans & Sales Financing in California can be used to help you understand the industry’s market size, growth potential and major companies. Five-year forecasts provide insight into the industry’s prospects, so you can make decisions with confidence. This information is perfectly suited to informing your business plans, pitch books, benchmarking and SWOT analysis.

REPORT SNAPSHOT

Industry Threats & Opportunities

  • Low interest rates and lengthened loan terms aided consumer purchasing power
  • Amid a favorable domestic economy, there was significant demand for consumer financing
  • Higher consumer confidence and disposable income will drive industry profitability

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    Industry Analysis & Industry Trends

    California's Auto Leasing, Loans and Sales Financing industry revenue is driven by the purchase of goods that require financing; consequently, consumers are most active in this industry when they anticipate continued financial stability. With California's per capita disposable income rising over the five years to 2017, and the state unemployment rate projected fall from in 2017, industry operators are poised to benefit. Furthermore, historically low interest rates and lengthening loan terms aided consumer purchasing power in the golden state. In addition to favorable economic conditions, lower gas prices and a relatively high average vehicle age aided industry operators, resulting in record automobile sales at the national level...

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    Industry Report - Industry Key Buyers Chapter

    Market share concentration in this industry is moderate to high; the leading six companies accounting for just under half of total revenue. Concentration in this industry increased over the five years to 2017 as demand increased for automobile and sales financing. The industry's major players are primarily leading automobile companies or banking institutions that offer sales financing to consumers. External competition from smaller banks, however, continues to increase competition for market share by easing underwriting standards for direct and indirect loans. As major players in the industry loosen lending practices as well to hold onto their established market share, industry competition is expected to continue to increase.

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    Additional Insights for the Auto Leasing, Loans & Sales Financing in California Industry

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Auto Leasing, Loans & Sales Financing in California Industry are

  • Output is sold under contract - incorporate long-term sales contracts
  • Well-developed internal processes
  • Financial position of the company (as against financial structure)
  • IBISWorld analysts also discuss how external factors such as Per Capita Disposable Income in California and Access to Credit in California in the Auto Leasing, Loans & Sales Financing in California industry impact industry performance..

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    Industry Products

    What is the Auto Leasing, Loans & Sales Financing in California Industry?

    This industry includes establishments that either provide strictly sales financing, or provide both sales financing and leasing. Sales financing establishments are primarily engaged in lending money for the purpose of providing collateralized goods through a contractual-installment sales agreement, either directly from or through arrangements with dealers. Industry participants generate revenue through the interest and fees that are included in the installment payments of borrowers.

    Industry Products
    Income from leasing to financial and nonfinancial business
    Sales financing
    New and used vehicle leasing
    New and used vehicle loans
    Finance leases
    Industry Activities
    Sales financing
    Leasing in combination with sales financing

    Table of Contents

    About this Industry
    Industry Definition
    Main Activities
    Similar Industries
    Additional Resources
    Industry at a Glance
    Industry Statistics Snapshot
    Industry Structure
    Executive Summary
    Industry Performance
    Executive Summary
    Key External Drivers
  • Per Capita Disposable Income in California
  • Access to Credit in California
  • Unemployment Rate in California
  • Corporate Profit in California
  • Yield on 10-year Treasury note

  • Current Performance
  • Driving California’s economy
  • Used vehicle and leasing financing surges
  • Subprime loans boost market
  • Chart: Revenue Growth

  • Industry Outlook
  • Low interest rates and increased liquidity
  • Used car prices pose threat
  • Industry landscape
  • Table: Auto Leasing, Loans & Sales Financing in California Industry Revenue Outlook

  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Auto Leasing, Loans & Sales Financing in California Industry Lifecycle vs The Economy

  • Products & Markets
    Supply Chains
    Key Buying Industries
  • Mining
  • Construction
  • New Car Dealers
  • Used Car Dealers
  • Consumers

  • Key Selling Industries
  • Open-End Investment Funds
  • Portfolio Management
  • Retirement & Pension Plans

  • Products & Services
  • New and used vehicle loans
  • New and used vehicle leasing
  • Finance leases
  • Other
  • Income from leasing to financial and nonfinancial business
  • Sales financing
  • Chart: Auto Leasing, Loans & Sales Financing in California Industry Products and Services Segmentation

  • Major Markets
  • Households
  • Financial Services
  • Automotive
  • Businesses
  • Chart: Major Market Segmentation for the Auto Leasing, Loans & Sales Financing in California Industry

  • Business Locations
    Chart: Business Locations by State
    Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
    WagesRent and UtilitiesPurchasesDepreciationOther
  • Chart: Cost Structure Benchmarking – Sector vs Auto Leasing, Loans & Sales Financing in California

  • Basis of Competition
  • Automotive financing
  • Securitization vehicles

  • Barriers to Entry
  • Table: Barrier to Entry Checklist for the Auto Leasing, Loans & Sales Financing in California Industry

  • Major Companies
    Ally Financial Inc.Ford Motor Credit Company LLCSantander Consumer USA Inc.HondaToyota Financial Services Corporation
  • Table: Ally Financial Inc. - financial performance
  • Table: Ford Motor Credit Company LLC - financial performance
  • Table: Santander Consumer USA Inc. - financial performance
  • Table: Honda - financial performance
  • Table: Toyota Financial Services Corporation - financial performance

  • Operating Conditions
    Capital Intensity
  • Chart: Level of Capital Intensity for the Auto Leasing, Loans & Sales Financing in California Industry
  • Chart: Tools of the Trade: Growth Strategies for Success

  • Technology & Systems
    Revenue Volatility
  • Chart: Volatility vs Industry Growth

  • Regulation & Policy
    Industry Assistance
    Key Statistics
    Table: Industry Data for the Auto Leasing, Loans & Sales Financing in California Industry
    Includes:
  • Industry Revenue (2008-2022)
  • Establishments (2008-2022)
  • Businesses (2008-2022)
  • Employment (2008-2022)
  • Wages (2008-2022)
  • New car sales (2008-2022)

  • Table: Annual Percentage Change for Key Industry Data
    Table: Key Ratios for Industry Key Data
    Jargon & Glossary
    Balloon Payment
  • An oversized payment due at the end of a mortgage, commercial loan or other amortized loan.
  • Charge-Off
  • When a customer is unable to repay a debt (often distinguished by six months without repayment) and the debt is written off as uncollectible.
  • Lien Notation
  • A type of security interest granted over an item of property to secure payment of a debt.
  • Why buy this report?

    IBISWorld industry market research reports enable you to:
    • Find out about key industry trends
    • Identify threats and opportunities
    • Inform your decisions for marketing, strategy and planning
    • Quickly build competitive intelligence
    This report on Auto Leasing, Loans & Sales Financing in California:
    • Provides Market Size information to assist with planning and strategic decisions.
    • Includes the necessary information to perform SWOT, PEST and STEER analysis.
    • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
    • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.
    The Auto Leasing, Loans & Sales Financing in California market research report includes:
    • Historical data and analysis for the key drivers of this industry
    • A five-year forecast of the market and noted trends
    • Detailed research and segmentation for the main products and markets
    • An assessment of the competitive landscape and market shares for major companies
    • And of course, much more

    IBISWorld reports on thousands of industries around the world. Our clients rely on our information and data to stay up-to-date on industry trends across all industries. With this IBISWorld Industry Research Report on Auto Leasing, Loans & Sales Financing in California, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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