Overview

Cruise control: Favorable economic conditions will further drive demand for industry services

IBISWorld’s industry research report on Auto Leasing, Loans & Sales Financing in Texas provides up-to-date sales and market data, allowing you to identify the product and customer segments driving revenue growth. The report identifies the leading companies in the industry, and offers strategic analysis of the key factors influencing the market. Our data forecasts are accompanied by full analysis to illustrate how the market is responding to dominant and emerging trends.

REPORT SNAPSHOT

Industry Threats & Opportunities

  • The industry has exhibited healthy growth, as demand for auto financing and leasing has increased
  • Consumers hesitate to lease or finance automobiles when the economy performs poorly
  • The Federal Reserve is projected to continue increasing the federal funds rate to offset rising inflation

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    Industry Analysis & Industry Trends

    Over the five years to 2017, the Auto Leasing, Loans and Sales Financing industry in Texas has exhibited health growth, as demand for auto financing and leasing has increased. Texans have fared with greater disposable income during the five-year period, especially as average wages have started to increase in the state. Moreover, interest rates have remained near historical lows over much of the past five years, stimulating economic growth and providing borrowers with less expensive access to capital. Over the five years to 2022, the industry is anticipated to continued growing, as demand for auto loans and leases continues to rise...

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    Industry Report - Industry Key Buyers Chapter

    Among the estimated 422 operators in the Auto Leasing, Loans and Sales Financing industry in Texas, the top four players account for less than 30.0% of industry revenue, signaling a low level of concentration. The vast majority of operators have fewer than 20 employees and service narrow geographic regions of Texas, preventing them from amassing a considerable share of revenue. In fact, slightly more than one-third of operators are nonemployers. As a result, competition in the industry has been strong over the five years to 2017, compounded by external competition from commercial banks, savings institutions and other depository credit intermediaries.

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

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Auto Leasing, Loans & Sales Financing in Texas 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 Access to Credit in Texas and Number of adults aged 20 to 64 in Texas in the Auto Leasing, Loans & Sales Financing in Texas industry impact industry performance..

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    Industry Products

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

    This industry includes companies that provide sales financing or sales financing in combination with leasing in Texas. Sales financing operators 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
  • Access to Credit in Texas
  • Number of adults aged 20 to 64 in Texas
  • Per capita disposable income in Texas
  • Yield on 10-year Treasury note

  • Current Performance
  • Interest rates rebound
  • Improving economic conditions
  • Industry landscape
  • Chart: Revenue Growth

  • Industry Outlook
  • Interest rates
  • Demographic changes
  • Industry landscape
  • Table: Auto Leasing, Loans & Sales Financing in Texas Industry Revenue Outlook

  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Auto Leasing, Loans & Sales Financing in Texas 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 Texas Industry Products and Services Segmentation

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

  • Business Locations
    Chart: Business Locations by State
    Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
  • Profit
  • Wages
  • Depreciation
  • Purchases
  • Other
  • Chart: Cost Structure Benchmarking – Sector vs Auto Leasing, Loans & Sales Financing in Texas

  • Basis of Competition
  • Automotive financing
  • Securitization vehicles

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

  • Major Companies
    General Motors Financial Company Inc.Santander Consumer USA Inc.Toyota Financial Services CorporationCapital One Financial Corporation
  • Table: General Motors Financial Company Inc. - financial performance
  • Table: Santander Consumer USA Inc. - financial performance
  • Table: Toyota Financial Services Corporation - financial performance
  • Table: Capital One Financial Corporation - financial performance

  • Operating Conditions
    Capital Intensity
  • Chart: Level of Capital Intensity for the Auto Leasing, Loans & Sales Financing in Texas 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 Texas 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
    Federal Funds Rate
  • The interest rate at which depository institutions may borrow reserves from one another.
  • Lien Notation
  • A type of security interest granted over an item of property to secure payment of a debt.
  • Loan Loss Provision
  • An amount set aside as an allowance for bad debts (i.e. debts where the customer defaults or where the terms of the loan need to be renegotiated).
  • 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 Texas:
    • 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 Texas 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 Texas, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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