Sectors & IndustriesFinancial ServicesCredit Services

Best Credit Service Stocks to Buy Now (2024)

Top credit service stocks in 2024 ranked by overall Zen Score. See the best credit service stocks to buy now, according to analyst forecasts for the credit services industry.

According to Zen Score, the 3 best credit service stocks to buy right now are:

Qifu Technology (NASDAQ:QFIN) is the top credit service stock with a Zen Score of 57, which is 27 points higher than the credit service industry average of 30. It passed 21 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 23.33% over the past year, underperforming other credit service stocks by -1 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 15.14% from Qifu Technology's current stock price of $20.67.

Qifu Technology stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Qifu Technology, 100% have issued a Strong Buy rating, 0% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Open Lending (NASDAQ:LPRO) is the second best credit service stock with a Zen Score of 56, which is 26 points higher than the credit service industry average of 30. It passed 18 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -37.43% over the past year, underperforming other credit service stocks by -62 percentage points.

Open Lending has an average 1 year price target of $7.20, an upside of 22.03% from Open Lending's current stock price of $5.90.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Open Lending, 0% have issued a Strong Buy rating, 60% have issued a Buy, 40% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Mastercard (NYSE:MA) is the third best credit service stock with a Zen Score of 53, which is 23 points higher than the credit service industry average of 30. It passed 21 out of 38 due diligence checks and has strong fundamentals. Mastercard has seen its stock return 19.46% over the past year, underperforming other credit service stocks by -5 percentage points.

Mastercard has an average 1 year price target of $514.82, an upside of 12.66% from Mastercard's current stock price of $456.98.

Mastercard stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 17 analysts covering Mastercard, 64.71% have issued a Strong Buy rating, 35.29% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Out of 24 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 11.75%, which is 8 percentage points higher than the credit service industry average of 4.03%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% five times in the last 10 years. Oaktree Specialty Lending's dividend has shown consistent growth over the last 10 years.

Oaktree Specialty Lending's dividend payout ratio of 166.9% indicates that its high dividend yield might not be sustainable for the long-term.

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 10.6%, which is 7 percentage points higher than the credit service industry average of 4.03%. Barings Bdc's dividend payout is not stable, having dropped more than 10% four times in the last 10 years. Barings Bdc's dividend has shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 83.1% indicates that its high dividend yield is sustainable for the long-term.

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 9.73%, which is 6 percentage points higher than the credit service industry average of 4.03%.

Lexinfintech Holdings's dividend payout ratio of 20.3% indicates that its high dividend yield is sustainable for the long-term.

Credit service stocks were up 0.09% in the last day, and up 1.83% over the last week. Oportun Financial was the among the top gainers in the credit services industry, gaining 20.77% yesterday.

Oportun Financial shares are trading higher after the company reported better-than-expected Q1 financial results and issued Q2 total revenue guidance with its midpoint above estimates.

Based on WallStreetZen's Valuation Score, the 3 most undervalued credit service stocks right now are:

Atlanticus Holdings (NASDAQ:ATLC) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Atlanticus Holdings has a valuation score of 71, which is 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Atlanticus Holdings's stock has gained 0.38% in the past year. It has underperformed other stocks in the credit service industry by -24 percentage points.

Consumer Portfolio Services (NASDAQ:CPSS) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Consumer Portfolio Services has a valuation score of 71, which is 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Consumer Portfolio Services's stock has dropped -20.52% in the past year. It has underperformed other stocks in the credit service industry by -45 percentage points.

Capital One Financial (NYSE:COF) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Capital One Financial has a valuation score of 71, which is 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Capital One Financial's stock has gained 63.79% in the past year. It has overperformed other stocks in the credit service industry by 39 percentage points.