Auto car loans and average monthly payments reach a record high in U.S.
It’s becoming a worrying trend that in the U.S., people are borrowing more and paying more each month for their auto loans.
Analysts recorded that the average amount borrowed to buy a new vehicle hit an unforeseen $32,187 in the first quarter of 2019, and the average used-vehicle loan also hit a record $20,137. This means there has been no slowdown for loan demand.
As new car prices have been steadily rising, dealers and auto executives are closely watching if the upward trend of new car sales will sustain. So far, the average amount borrowed for new vehicles have topped $32,000 for the first time ever. Consequently, the average monthly payment for a new vehicle steadily rose to a new high of $554 and to $391 for used vehicles.
However, people with even the best credit scores are opting for used vehicles. In the first quarter, 61.8% with prime credit rating and 44.7% with super prime rating loaned to buy used vehicles instead of new. This is a record for used vehicle borrowing.
Analysts believe that it is because consumers are exploring options to reduce payments, especially leasing, and hence the preference for used vehicles.
C's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for C turned positive on July 15, 2025. Looking at past instances where C's MACD turned positive, the stock continued to rise in of 45 cases over the following month. The odds of a continued upward trend are .
Technical Analysis (Indicators)
Bullish Trend Analysis
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where C advanced for three days, in of 319 cases, the price rose further within the following month. The odds of a continued upward trend are .
The Aroon Indicator entered an Uptrend today. In of 278 cases where C Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are .
Bearish Trend Analysis
The RSI Indicator has been in the overbought zone for 2 days. Expect a price pull-back in the near future.
The Stochastic Oscillator has been in the overbought zone for 2 days. Expect a price pull-back in the near future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where C declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .
C broke above its upper Bollinger Band on July 17, 2025. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating outstanding price growth. C’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 30, placing this stock better than average.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.647) is normal, around the industry mean (0.958). C has a moderately high P/E Ratio (15.708) as compared to the industry average of (8.937). C's Projected Growth (PEG Ratio) (18.586) is very high in comparison to the industry average of (2.643). Dividend Yield (0.033) settles around the average of (0.053) among similar stocks. P/S Ratio (1.581) is also within normal values, averaging (2.460).
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
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General Information
a financial conglomerate
Industry MajorBanks
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