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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.

Industry: Credit Services
Ticker
Company
Exchange
Industry
Zen Score
Market Cap
Price
1d %
EBITDA
P/E
D/E
DFS
DISCOVER FINANCIAL SERVICES
NYSE
Credit Services
$30.50B$121.711.37%$4.20B10.80x9.22
PYPL
PAYPAL HOLDINGS INC
NASDAQ
Credit Services
$63.40B$59.161.39%$6.48B15.37x2.90
V
VISA INC
NYSE
Credit Services
$572.40B$283.60-0.05%$23.76B32.64x1.30
QFIN
QIFU TECHNOLOGY INC
NASDAQ
Credit Services
$2.53B$15.751.81%N/A4.57x1.18
COF
CAPITAL ONE FINANCIAL CORP
NYSE
Credit Services
$51.53B$135.520.71%$9.27B11.31x7.24
MA
MASTERCARD INC
NYSE
Credit Services
$441.65B$473.420.39%$15.01B39.92x5.12
MFIN
MEDALLION FINANCIAL CORP
NASDAQ
Credit Services
$196.02M$8.394.48%$82.18M3.50x6.58
OCSL
OAKTREE SPECIALTY LENDING CORP
NASDAQ
Credit Services
$1.59B$20.150.05%$240.17M13.17x1.16
OMF
ONEMAIN HOLDINGS INC
NYSE
Credit Services
$5.57B$46.47-0.06%$1.10B8.72x6.63
WU
WESTERN UNION CO
NYSE
Credit Services
$4.43B$12.960.08%$1.03B7.67x16.12
ALLY
ALLY FINANCIAL INC
NYSE
Credit Services
$11.01B$36.210.58%$2.22B12.07x13.27
LPRO
OPEN LENDING CORP
NASDAQ
Credit Services
$971.20M$8.111.50%$53.15M45.06x0.79
SLM
SLM CORP
NASDAQ
Credit Services
$4.33B$19.67-0.10%$862.47M8.06x14.51
SYF
SYNCHRONY FINANCIAL
NYSE
Credit Services
$16.32B$40.121.06%$3.32B7.70x7.45
ATLC
ATLANTICUS HOLDINGS CORP
NASDAQ
Credit Services
$481.39M$33.00-3.28%$132.34M6.33x5.53
QD
QUDIAN INC
NYSE
Credit Services
$530.23M$2.470.82%N/A6.68x0.06
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
NYSE
Credit Services
$1.96B$180.56-3.25%$253.10M11.31x19.91
AXP
AMERICAN EXPRESS CO
NYSE
Credit Services
$155.31B$214.560.27%$12.16B19.11x8.31
LX
LEXINFINTECH HOLDINGS LTD
NASDAQ
Credit Services
$292.80M$1.781.71%N/A1.55x1.43
EZPW
EZCORP INC
NASDAQ
Credit Services
$590.70M$10.710.75%$169.30M11.77x0.91
NAVI
NAVIENT CORP
NASDAQ
Credit Services
$1.91B$16.280.56%$464.00M5.63x20.88
ENVA
ENOVA INTERNATIONAL INC
NYSE
Credit Services
$1.73B$61.412.52%$460.18M10.75x2.70
BFH
BREAD FINANCIAL HOLDINGS INC
NYSE
Credit Services
$1.82B$36.780.22%$1.07B2.56x6.93
NRDS
NERDWALLET INC
NASDAQ
Credit Services
$1.28B$16.614.60%$55.30M-110.73x0.14
FINV
FINVOLUTION GROUP
NYSE
Credit Services
$1.42B$5.231.36%N/A4.38x0.65
FCFS
FIRSTCASH HOLDINGS INC
NASDAQ
Credit Services
$5.30B$117.54-1.09%$906.71M24.39x1.15
LC
LENDINGCLUB CORP
NYSE
Credit Services
$899.85M$8.152.39%$101.81M22.64x6.05
BBDC
BARINGS BDC INC
NYSE
Credit Services
$1.02B$9.634.90%$129.69M8.03x1.24
IX
ORIX CORP
NYSE
Credit Services
$25.68B$103.97-0.47%$6.39B12.65x3.21
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
NASDAQ
Credit Services
$17.73M$4.50-5.46%$21.48M1.22x0.67
YRD
YIREN DIGITAL LTD
NYSE
Credit Services
$452.78M$5.122.61%N/A1.62x0.24
XYF
X FINANCIAL
NYSE
Credit Services
$198.98M$4.140.02%N/A1.12x0.95
CPSS
CONSUMER PORTFOLIO SERVICES INC
NASDAQ
Credit Services
$182.90M$8.66-1.48%$205.84M3.40x9.83
SOFI
SOFI TECHNOLOGIES INC
NASDAQ
Credit Services
$7.83B$8.170.12%-$200.95M-18.16x4.47
PMTS
CPI CARD GROUP INC
NASDAQ
Credit Services
$221.68M$19.352.00%$89.30M6.54x-6.15
RWAY
RUNWAY GROWTH FINANCE CORP
NASDAQ
Credit Services
$548.09M$13.53-1.02%$108.42M8.05x0.81
NNI
NELNET INC
NYSE
Credit Services
$3.34B$89.45-0.27%$362.13M25.48x4.24
LMFA
LM FUNDING AMERICA INC
NASDAQ
Credit Services
$7.02M$0.48-9.45%-$29.90M-0.18x0.07
SNTG
SENTAGE HOLDINGS INC
NASDAQ
Credit Services
$6.62M$2.36-7.09%-$2.63M-2.09x0.03
GDOT
GREEN DOT CORP
NYSE
Credit Services
$441.65M$8.422.93%$130.61M11.86x4.87
RM
REGIONAL MANAGEMENT CORP
NYSE
Credit Services
$225.62M$23.121.58%$102.88M13.60x4.57
WRLD
WORLD ACCEPTANCE CORP
NASDAQ
Credit Services
$789.34M$129.823.45%$146.91M11.02x1.75
DXF
DUNXIN FINANCIAL HOLDINGS LTD
NYSEMKT
Credit Services
$7.68M$0.35-4.36%-$3.07M-2.54x1.08
CACC
CREDIT ACCEPTANCE CORP
NASDAQ
Credit Services
$6.78B$550.770.23%$660.70M24.93x3.34
OBDC
BLUE OWL CAPITAL CORP
NYSE
Credit Services
$5.88B$15.08-0.72%$1.25B7.43x1.24
LU
LUFAX HOLDING LTD
NYSE
Credit Services
$1.59B$2.784.91%N/A12.69x1.78
AIHS
SENMIAO TECHNOLOGY LTD
NASDAQ
Credit Services
$7.29M$0.765.83%-$2.07M-1.69x2.70
UPST
UPSTART HOLDINGS INC
NASDAQ
Credit Services
$2.10B$24.24-0.94%-$215.12M-8.45x2.18
OPFI
OPPFI INC
NYSE
Credit Services
$365.21M$3.30-3.23%$65.72M6.47x35.99
MCVT
MILL CITY VENTURES III LTD
NASDAQ
Credit Services
$16.09M$2.52-2.70%-$1.33M-12.00x0.01
OPRT
OPORTUN FINANCIAL CORP
NASDAQ
Credit Services
$132.81M$3.883.47%-$150.28M-0.92x6.77
NICK
NICHOLAS FINANCIAL INC
NASDAQ
Credit Services
$51.98M$7.091.58%-$35.68M-1.42x0.02
PAPL
PINEAPPLE FINANCIAL INC
NYSEMKT
Credit Services
$10.56M$1.47-2.00%N/AN/A0.78
CURO
CURO GROUP HOLDINGS CORP
NYSE
Credit Services
$10.74M$0.264.00%-$145.48M-0.03x-5.46
MDBH
MDB CAPITAL HOLDINGS LLC
NASDAQ
Credit Services
$112.11M$12.063.68%N/AN/A0.11
FOA
FINANCE OF AMERICA COMPANIES INC
NYSE
Credit Services
$75.10M$0.850.47%-$127.01M-0.34x159.59
PRAA
PRA GROUP INC
NASDAQ
Credit Services
$1.03B$26.283.71%$117.84M-17.64x2.82
GRYP
GRYPHON DIGITAL MINING INC
NASDAQ
Credit Services
$1.19M$2.33-1.69%-$30.16M-0.02x-1.45
PT
PINTEC TECHNOLOGY HOLDINGS LTD
NASDAQ
Credit Services
$18.78M$1.16-1.69%N/A-1.07x-0.71

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Feb 2024?

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

1. Discover Financial Services (NYSE:DFS)


Discover Financial Services (NYSE:DFS) is the top credit service stock with a Zen Score of 51, which is 20 points higher than the credit service industry average of 31. It passed 18 out of 38 due diligence checks and has strong fundamentals. Discover Financial Services has seen its stock return 9.95% over the past year, underperforming other credit service stocks by -5 percentage points.

Discover Financial Services has an average 1 year price target of $119.87, a downside of -1.51% from Discover Financial Services's current stock price of $121.71.

Discover Financial Services stock has a consensus Buy recommendation according to Wall Street analysts. Of the 15 analysts covering Discover Financial Services, 33.33% have issued a Strong Buy rating, 13.33% have issued a Buy, 53.33% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. PayPal (NASDAQ:PYPL)


PayPal (NASDAQ:PYPL) is the second best credit service stock with a Zen Score of 50, which is 19 points higher than the credit service industry average of 31. It passed 16 out of 33 due diligence checks and has strong fundamentals. PayPal has seen its stock lose -21.32% over the past year, underperforming other credit service stocks by -36 percentage points.

PayPal has an average 1 year price target of $68.00, an upside of 14.94% from PayPal's current stock price of $59.16.

PayPal stock has a consensus Buy recommendation according to Wall Street analysts. Of the 25 analysts covering PayPal, 24% have issued a Strong Buy rating, 16% have issued a Buy, 60% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Visa (NYSE:V)


Visa (NYSE:V) is the third best credit service stock with a Zen Score of 50, which is 19 points higher than the credit service industry average of 31. It passed 19 out of 38 due diligence checks and has strong fundamentals. Visa has seen its stock return 28.25% over the past year, overperforming other credit service stocks by 13 percentage points.

Visa has an average 1 year price target of $294.00, an upside of 3.67% from Visa's current stock price of $283.60.

Visa stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 15 analysts covering Visa, 40% have issued a Strong Buy rating, 46.67% have issued a Buy, 13.33% 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 25 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

1. Lufax Holding (NYSE:LU)


Lufax Holding (NYSE:LU) has an annual dividend yield of 12.81%, which is 9 percentage points higher than the credit service industry average of 4.13%.

Lufax Holding's dividend payout ratio of 162.9% indicates that its high 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 11.27%, which is 7 percentage points higher than the credit service industry average of 4.13%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% four 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 148.4% 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 10.59%, which is 6 percentage points higher than the credit service industry average of 4.13%. Barings Bdc's dividend payout is not stable, having dropped more than 10% five 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 85% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.27% in the last day, and up 0.2% over the last week.

We couldn't find a catalyst for why credit service stocks are up.

What are the most undervalued credit service stocks?

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

1. Slm (NASDAQ:SLM)


Slm (NASDAQ:SLM) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Slm has a valuation score of 100, which is 56 points higher than the credit service industry average of 44. It passed 7 out of 7 valuation due diligence checks.

Slm's stock has gained 36.03% in the past year. It has overperformed other stocks in the credit service industry by 21 percentage points.

2. Ezcorp (NASDAQ:EZPW)


Ezcorp (NASDAQ:EZPW) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Ezcorp has a valuation score of 86, which is 42 points higher than the credit service industry average of 44. It passed 6 out of 7 valuation due diligence checks.

Ezcorp's stock has gained 20.61% in the past year. It has overperformed other stocks in the credit service industry by 5 percentage points.

3. Navient (NASDAQ:NAVI)


Navient (NASDAQ:NAVI) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Navient has a valuation score of 86, which is 42 points higher than the credit service industry average of 44. It passed 6 out of 7 valuation due diligence checks.

Navient's stock has dropped -10.84% in the past year. It has underperformed other stocks in the credit service industry by -26 percentage points.

Are credit service stocks a good buy now?

47.37% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to fall by -4.6% over the next year.

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

The average P/E ratio of the credit services industry is 29.32x.
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.