Real-time market scans place several used SUV finance stocks in “overbought” territory but note continued institutional accumulation, pointing to possible near-term momentum plays. While just about any model year of the Lexus ES hybrid is going to deliver unmatched reliability and exceptional efficiency, older models definitely have a slightly better reputation. While most luxury mid-size sedans try to balance sportiness and comfort, the ES leans fully into the latter, with few of its rivals able to match its quality for the price. As it's a little older, you can get a 2017 ES 300h for a bargain , with the average list price sitting at $21,229. And remember, your vehicle will be losing value while you’re making those payments. Depreciation leads to a loss of about 55 percent of a vehicle’s value , according to Kelley Blue Book. The longer you continue to make payments on a car, the more likely you are to become underwater or upside-down on your car loan . Analysts note that used SUV finance demand remains highly correlated with gasoline price trends; with fuel costs easing, the sector could outperform broader auto lending benchmarks. Investors are watching cash flow metrics closely.