Profit Margin
8.5%
Net income ÷ total receipts (IRS SOI)
Finance and Insurance ·NAICS 5222
NAICS 5222 · IRS SOI 2023 · Census CBP
Nondepository Credit Intermediation - Industry Benchmarks
$110,908/yr average annual pay, with 67 SBA loans on record for NAICS 5222.
- 8.5%
- Net margin
- 570K
- Workers employed
- $110,908/yr
- Avg payroll / employee
- $33M
- SBA lending, FY20–26
Data updated July 2026
The verdict · NAICS 5222
Nondepository Credit Intermediation runs a 8.5% pre-tax net margin - in line with the national median - across 42K establishments employing 570K workers.
- 8.5%
- Pre-tax net margin (IRS SOI)
- 570K
- Workers employed (Census CBP)
- $110,908/yr
- Avg payroll / employee
- $33M
- SBA lending, FY20–26
Benchmarking Insights for Nondepository Credit Intermediation
Nondepository Credit Intermediation sits inside Finance and Insurance at a 8.5% net margin (in line with the national median), $104.0B in aggregate receipts across 7,191 returns, averaging $14.5B per establishment.
42,371 establishments employ 570,079 workers (13.4/location) at $110,908/yr average annual pay. Texas leads employment, followed by California and Florida.
Total Receipts
$104.0B
Annual revenue (IRS SOI)
Net Income
$8.8B
Pre-tax net income
Employment
570,079
Total employees (Census CBP)
Avg Payroll / Employee
$110,908/yr
Annual compensation
Establishments
42,371
Business locations
Release-over-release change
What changed from Census CBP 2022 to 2023
Employment decreased by 116,481; establishment count decreased by 4,513. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.
Where each dollar of Nondepository Credit Intermediation revenue goes
Workforce scale
Nondepository Credit Intermediation margin vs national reference points
Nondepository Credit Intermediation net margin 28.3%
Cross-industry median (5%)
p25/median/p75 = 3%/5%/8%
Business Structure Breakdown
How businesses in this industry are legally structured (IRS SOI)
C Corporation
7,191 returns 100%
Margin: 8.5% · Receipts: $104.0B
Financial Detail
- Total Tax Returns Filed
- 7,191
- Avg Receipts per Business
- $14.5B
- Annual Payroll (Total)
- $63.2B
- Avg Employees per Establishment
- 13.4
Sub-Industries
| Industry | Profit Margin |
|---|---|
| Credit Card Issuing NAICS 52221 | N/A |
| Other Nondepository Credit Intermediation NAICS 52229 | N/A |
| Sales Financing NAICS 52222 | N/A |
Top States by Employment
| State | Employment |
|---|---|
| Texas | 74,106 |
| California | 62,679 |
| Florida | 28,844 |
| Michigan | 26,294 |
| Arizona | 22,540 |
| Georgia | 19,937 |
| Illinois | 19,517 |
| Pennsylvania | 14,303 |
| North Carolina | 13,544 |
| Tennessee | 13,193 |
Showing top 10 of 51 states
SBA Lending Activity
SBA FY2020–2026SBA Loans Approved
67
Total Loan Volume
$33M
Avg Loan Size
$497K
Jobs Supported
556
Program Breakdown
7(a) 53 (79%)
504 14 (21%)
Top SBA Lender
Comerica Bank
7 loans in this industry
New Business Share
14.9% of borrowers were new/startup businesses
Annual Lending Trend (6 yrs)
2020 10
2021 24
2022 20
2023 11
2024 1
2025 1
Frequently Asked Questions
What is the average revenue for Nondepository Credit Intermediation?
$104.0B in total annual receipts across all Nondepository Credit Intermediation businesses. Average per business: $14.5B.
How profitable is Nondepository Credit Intermediation?
8.5% net profit margin, in line with the national median.
How many businesses are in Nondepository Credit Intermediation?
42,371 business establishments. Together they employ 570,079 workers.
What is the average payroll per employee in Nondepository Credit Intermediation?
$110,908/yr average annual pay per employee. Businesses average 13.4 employees per establishment.
Which states have the most Nondepository Credit Intermediation employment?
Texas leads with 74,106 workers. California (62,679) and Florida (28,844) round out the top three.
How much SBA lending does Nondepository Credit Intermediation receive?
Nondepository Credit Intermediation businesses received 67 SBA loans totaling $33 million between FY2020 and FY2026. The average loan size was $497K. These loans supported 556 jobs at origination. Most lending (79%) came through the SBA 7(a) program.
Comparable industry benchmarks
These links are calculated from the current national dataset. They are comparison paths, not recommendations or evidence that businesses operate alike.
How this ranks: Nondepository Credit Intermediation reports a higher net margin than 74% of the 126 IRS-tracked industries at the same NAICS detail level. Its Census employment total exceeds 76% of that same 259-industry cohort. Calculated by ranking this industry's reported value against every other industry at the same NAICS digit-level, not the whole dataset: comparing a 6-digit detail industry to a 2-digit sector would mix incompatible scales.
Closest reported net margins
Same NAICS detail level, ordered by the smallest difference in reported IRS pre-tax margin.
Closest workforce scale
Same NAICS detail level, ordered by the smallest difference in reported Census employment.
- Animal Slaughtering and Processing 556,205
- Motor Vehicle Parts Manufacturing 587,237
- Office Administrative Services 550,384
Benchmarking Nondepository Credit Intermediation
- Net margin: 8.5% vs sector. Browse Finance and Insurance
- 42,371 establishments, 570,079 workers. Payroll benchmarks
- 67 SBA loans on record. SBA lending rankings
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.
Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023
NAICS 5222 · Data year: 2023
According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.
Read our methodology - how this data is sourced, computed, and verified.
Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023
Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.