Sectors & Industries Financial ServicesCredit Services
Best Credit Service Stocks to Buy Now (2025)
Top credit service stocks in 2025 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +32.52% per year, and are the best credit service stocks to buy now. Learn More.

Industry: Credit Services

Overview Zen Rating Price Value Growth Financials

Momentum Sentiment Forecast Dividends Due Diligence

Credit Services is Zen Rated A and is the 26th ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	ROE	ROA	ROCE	ROIC	D/E	Current Ratio	Gross Margin	Profit Margin	Operating Margin
PMTS	CPI CARD GROUP INC	$293.38M	-45.60%	5.90%	21.57%	12.90%	-10.82	2.69	35.60%	4.10%	12.30%
OPFI	OPPFI INC	$729.26M	27.80%	1.20%	N/A	6.70%	12.42	N/A	65.90%	2.30%	17.48%
FINV	FINVOLUTION GROUP	$1.86B	16.60%	10.60%	N/A	18.80%	0.53	N/A	81.80%	18.20%	21.74%
LX	LEXINFINTECH HOLDINGS LTD	$1.24B	10.70%	4.80%	10.78%	10.80%	1.07	1.87	35.40%	7.70%	9.59%
ENVA	ENOVA INTERNATIONAL INC	$2.38B	17.90%	4.30%	N/A	7.30%	3.40	N/A	100.00%	13.70%	36.72%
RM	REGIONAL MANAGEMENT CORP	$317.65M	11.90%	2.30%	N/A	4.20%	4.35	N/A	100.00%	7.00%	21.85%
XYF	X FINANCIAL	$547.83M	23.00%	13.00%	N/A	14.70%	0.70	N/A	43.40%	26.20%	33.14%
NNI	NELNET INC	$3.87B	5.60%	1.30%	N/A	1.00%	3.13	N/A	78.10%	13.10%	16.87%
ATLC	ATLANTICUS HOLDINGS CORP	$800.66M	19.40%	2.90%	N/A	2.90%	5.46	N/A	100.00%	21.80%	34.82%
OPRT	OPORTUN FINANCIAL CORP	$166.94M	-22.20%	-2.40%	N/A	-2.00%	8.12	N/A	100.00%	-26.70%	-39.02%
FCFS	FIRSTCASH HOLDINGS INC	$5.44B	12.80%	5.90%	10.83%	11.60%	1.18	4.14	48.10%	7.60%	13.22%
WRLD	WORLD ACCEPTANCE CORP	$737.87M	19.00%	7.60%	N/A	9.00%	1.59	N/A	100.00%	14.40%	26.26%
QFIN	QIFU TECHNOLOGY INC	$5.39B	27.30%	13.20%	25.79%	35.40%	0.99	2.45	79.70%	36.50%	46.07%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$179.91M	6.80%	0.60%	N/A	3.60%	10.93	N/A	75.60%	4.90%	55.57%
CACC	CREDIT ACCEPTANCE CORP	$5.44B	15.00%	2.90%	N/A	5.40%	4.06	N/A	58.90%	11.50%	34.64%
EZPW	EZCORP INC	$881.76M	10.60%	5.70%	10.65%	10.40%	0.82	2.91	58.80%	7.20%	11.22%
DFS	DISCOVER FINANCIAL SERVICES	$43.36B	27.00%	3.00%	N/A	3.80%	7.24	N/A	100.00%	34.20%	46.04%
GDOT	GREEN DOT CORP	$425.70M	-3.00%	-0.50%	-1.83%	2.10%	5.22	0.54	48.50%	-1.50%	-0.99%
IX	ORIX CORP	$24.18B	10.00%	2.40%	N/A	3.30%	3.12	N/A	42.30%	13.60%	24.68%
SEZL	SEZZLE INC	$1.40B	137.20%	32.80%	42.08%	54.60%	2.40	2.44	81.10%	29.00%	29.90%
MA	MASTERCARD INC	$480.77B	180.10%	28.60%	55.09%	72.80%	6.41	1.03	100.00%	45.70%	56.45%
MFIN	MEDALLION FINANCIAL CORP	$210.29M	10.00%	1.30%	N/A	2.10%	6.56	N/A	100.00%	26.10%	41.42%
UPST	UPSTART HOLDINGS INC	$3.93B	-21.10%	-6.50%	N/A	-5.20%	2.74	N/A	100.00%	-20.20%	-20.17%
YRD	YIREN DIGITAL LTD	$516.44M	17.40%	13.10%	N/A	26.00%	0.36	N/A	84.80%	27.30%	32.06%
PYPL	PAYPAL HOLDINGS INC	$60.76B	20.30%	5.00%	16.03%	22.20%	3.00	1.26	40.50%	13.00%	16.76%
RWAY	RUNWAY GROWTH FINANCE CORP	$342.48M	14.30%	6.90%	N/A	7.40%	1.12	N/A	79.10%	50.90%	81.74%
OMF	ONEMAIN HOLDINGS INC	$5.47B	15.90%	2.00%	N/A	1.60%	7.12	N/A	92.30%	20.70%	27.08%
PRAA	PRA GROUP INC	$679.96M	6.10%	1.50%	N/A	4.30%	3.29	N/A	100.00%	6.30%	28.79%
V	VISA INC	$624.90B	50.70%	21.60%	39.35%	90.20%	1.40	1.12	82.10%	54.30%	67.14%
WU	WESTERN UNION CO	$3.38B	151.90%	11.70%	N/A	10.40%	7.64	N/A	37.80%	22.20%	17.54%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.17B	3.70%	1.70%	N/A	3.80%	1.13	N/A	84.20%	14.70%	49.08%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.91B	12.20%	0.60%	N/A	0.40%	20.04	N/A	100.00%	49.60%	70.97%
AXP	AMERICAN EXPRESS CO	$176.84B	34.10%	3.70%	N/A	4.70%	8.05	N/A	100.00%	16.60%	21.08%
OBDC	BLUE OWL CAPITAL CORP	$7.04B	9.90%	4.30%	N/A	5.20%	1.33	N/A	78.00%	37.30%	67.15%
COF	CAPITAL ONE FINANCIAL CORP	$64.90B	7.40%	0.90%	N/A	1.30%	7.06	N/A	100.00%	16.20%	21.58%
FOA	FINANCE OF AMERICA COMPANIES INC	$202.56M	6.10%	0.10%	N/A	0.00%	112.97	N/A	100.00%	4.60%	5.29%
SYF	SYNCHRONY FINANCIAL	$18.88B	21.60%	2.90%	N/A	3.90%	6.21	N/A	100.00%	36.50%	47.71%
BBDC	BARINGS BDC INC	$913.90M	9.20%	4.20%	N/A	2.90%	1.27	N/A	58.80%	38.50%	39.75%
MCVT	MILL CITY VENTURES III LTD	$9.45M	6.00%	5.90%	N/A	9.90%	0.04	N/A	100.00%	35.40%	48.27%
LC	LENDINGCLUB CORP	$1.12B	3.90%	0.50%	N/A	0.70%	6.92	N/A	100.00%	6.50%	8.27%
SLM	SLM CORP	$5.62B	27.20%	2.00%	N/A	2.60%	12.92	N/A	100.00%	41.00%	55.44%
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$22.37M	8.40%	5.60%	10.56%	20.40%	0.29	4.23	365.90%	3.70%	4.91%
ALLY	ALLY FINANCIAL INC	$9.65B	4.00%	0.30%	N/A	0.40%	12.80	N/A	93.40%	6.80%	8.86%
BFH	BREAD FINANCIAL HOLDINGS INC	$2.30B	9.00%	1.20%	N/A	1.70%	6.50	N/A	100.00%	11.30%	15.53%
SOFI	SOFI TECHNOLOGIES INC	$12.36B	8.20%	1.50%	N/A	0.70%	4.56	N/A	82.70%	18.60%	8.72%
NAVI	NAVIENT CORP	$1.17B	3.20%	0.20%	N/A	0.20%	6.08	N/A	100.00%	12.60%	16.75%
QD	QUDIAN INC	$441.30M	0.80%	0.70%	1.30%	2.40%	0.10	9.34	7.10%	42.40%	68.22%
LU	LUFAX HOLDING LTD	$2.14B	-3.90%	-1.50%	N/A	-0.80%	1.42	N/A	100.00%	-13.30%	-7.07%
DXF	EASON TECHNOLOGY LTD	$1.75B	-400.80%	-107.50%	928.48%	-733.70%	-6.54	0.61	100.00%	124.50%	124.48%
LPRO	OPEN LENDING CORP	$120.98M	-74.30%	-37.10%	-21.39%	-24.10%	2.80	5.84	0.70%	-562.00%	-221.81%
LMFA	LM FUNDING AMERICA INC	$6.49M	-40.80%	-36.40%	-16.17%	-18.90%	0.24	8.64	36.40%	-128.30%	-62.47%
OMCC	OLD MARKET CAPITAL CORP	$78.35k	-7.40%	-5.30%	-5.13%	-13.60%	0.21	9.89	79.40%	-39.50%	-38.13%
AIHS	SENMIAO TECHNOLOGY LTD	$8.76M	N/A	-37.50%	-134.32%	-123.40%	-4.65	0.37	19.20%	-82.00%	-81.50%
PT	PINTEC TECHNOLOGY HOLDINGS LTD	$15.83M	N/A	-14.30%	3.82%	3.60%	-1.18	0.19	63.50%	-44.00%	-42.35%
SNTG	SENTAGE HOLDINGS INC	$4.52M	-16.10%	-15.30%	-16.39%	-18.90%	0.10	31.78	91.40%	-1,329.10%	-1,329.12%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Apr 2025?

According to Zen Ratings, our proprietary rating system that evaluates 115 factors proven to drive growth in stocks and assigns each stock in our system an overall letter grade as well as 7 individual Component Grades for Value, Growth, Momentum, Sentiment, Safety, Financials, and proprietary AI algorithms, the 3 best credit service stocks to buy right now are:

1. Cpi Card Group (NASDAQ:PMTS)

Cpi Card Group (NASDAQ:PMTS) is the #1 top credit service stock out of 55 with a Zen Rating of A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

The Component Grade breakdown for Cpi Card Group (NASDAQ:PMTS) is: Value: B, Growth: A, Momentum: C, Sentiment: A, Safety: B, Financials: B, and AI: B.

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 13, which is -22 points lower than the credit service industry average of 35. Although this number is below the industry average, our proven quant model rates PMTS as a "A".

PMTS passed 5 out of 38 due diligence checks and has weak fundamentals. Cpi Card Group has seen its stock return 47.13% over the past year, overperforming other credit service stocks by 37 percentage points.

Cpi Card Group has an average 1 year price target of $37.25, an upside of 42.72% from Cpi Card Group's current stock price of $26.10.

Cpi Card Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 4 analysts covering Cpi Card Group, 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.

2. Oppfi (NYSE:OPFI)

Oppfi (NYSE:OPFI) is the #2 top credit service stock out of 55 with a Zen Rating of A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

The Component Grade breakdown for Oppfi (NYSE:OPFI) is: Value: C, Growth: B, Momentum: B, Sentiment: B, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 49, which is 14 points higher than the credit service industry average of 35.

OPFI passed 19 out of 38 due diligence checks and has strong fundamentals. Oppfi has seen its stock return 183.22% over the past year, overperforming other credit service stocks by 173 percentage points.

Oppfi has an average 1 year price target of $10.00, an upside of 18.48% from Oppfi's current stock price of $8.44.

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

3. Finvolution Group (NYSE:FINV)

Finvolution Group (NYSE:FINV) is the #3 top credit service stock out of 55 with a Zen Rating of A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

The Component Grade breakdown for Finvolution Group (NYSE:FINV) is: Value: B, Growth: C, Momentum: A, Sentiment: C, Safety: A, Financials: C, and AI: B.

Finvolution Group (NYSE:FINV) has a Due Diligence Score of 30, which is -5 points lower than the credit service industry average of 35. Although this number is below the industry average, our proven quant model rates FINV as a "A".

FINV passed 11 out of 38 due diligence checks and has average fundamentals. Finvolution Group has seen its stock return 54.62% over the past year, overperforming other credit service stocks by 44 percentage points.

Finvolution Group has an average 1 year price target of $11.40, an upside of 54.89% from Finvolution Group's current stock price of $7.36.

Finvolution Group stock has a consensus Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Finvolution Group, 50% have issued a Strong Buy rating, 0% have issued a Buy, 50% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

What are the credit service stocks with highest dividends?

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:

1. Finvolution Group (NYSE:FINV)

Finvolution Group (NYSE:FINV) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 3.87%. Finvolution Group's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Finvolution Group's dividend has shown consistent growth over the last 10 years.

Finvolution Group's dividend payout ratio of 0% indicates that its dividend yield might not be sustainable for the long-term.

2. Oaktree Specialty Lending (NASDAQ:OCSL)

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 14.9%, which is 11 percentage points higher than the credit service industry average of 3.87%. 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 323.5% indicates that its high dividend yield might not be sustainable for the long-term.

3. Barings Bdc (NYSE:BBDC)

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 9.57%, which is 6 percentage points higher than the credit service industry average of 3.87%. Barings Bdc's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Barings Bdc's dividend has not shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 100% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 3.35% in the last day, and up 0.09% over the last week. Open Lending was the among the top gainers in the credit services industry, gaining 18.82% yesterday.

Shares of financial companies are trading higher amid Treasury Secretary Scott Bessent's remarks about trade de-escalation with China, which may help restore investor confidence towards the sector.

What are the most undervalued credit service stocks?

Based on the Valuation rating, one of the 7 components of a stocks overall Zen Ratings grade, which evaluates factors including estimated earnings yield, earnings before interest and taxes/enterprise value, cash flow yield, free cash flow to price, and price-to-earnings growth (PEG ratio), the 3 most undervalued credit service stocks right now are:

1. Bread Financial Holdings (NYSE:BFH)

Bread Financial Holdings (NYSE:BFH) is the most undervalued credit service stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Bread Financial Holdings has a valuation score of 71, which is 26 points higher than the credit service industry average of 45. It passed 5 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 37.03% in the past year. It has overperformed other stocks in the credit service industry by 26 percentage points.

2. Medallion Financial (NASDAQ:MFIN)

Medallion Financial (NASDAQ:MFIN) is the second most undervalued credit service stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Medallion Financial has a valuation score of 57, which is 12 points higher than the credit service industry average of 45. It passed 4 out of 7 valuation due diligence checks.

Medallion Financial's stock has gained 18.48% in the past year. It has overperformed other stocks in the credit service industry by 8 percentage points.

3. Western Union Co (NYSE:WU)

Western Union Co (NYSE:WU) is the third most undervalued credit service stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Western Union Co has a valuation score of 43, which is -2 points higher than the credit service industry average of 45. It passed 3 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates WU a Valuation Rating of "A".

Western Union Co's stock has dropped -24.81% in the past year. It has underperformed other stocks in the credit service industry by -35 percentage points.

Are credit service stocks a good buy now?

36.84% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 20.48% over the next year.

20% of credit service stocks have a Zen Rating of A (Strong Buy), 14% of credit service stocks are rated B (Buy), 54% are rated C (Hold), 8% are rated D (Sell), and 4% are rated F (Strong Sell).

What is the average p/e ratio of the credit services industry?

The average P/E ratio of the credit services industry is 28.79x.

WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.