WallStreetZenWallStreetZen

Best Credit Service Stocks to Buy Now (2022)
Top credit service stocks in 2022 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
LPRO
OPEN LENDING CORP
NASDAQ
Credit Services
$1.07B$8.47-4.19%$142.91M10.46x0.77
FCFS
FIRSTCASH HOLDINGS INC
NASDAQ
Credit Services
$3.66B$77.82-1.61%$543.54M19.75x1.09
MA
MASTERCARD INC
NYSE
Credit Services
$283.71B$293.58-1.60%$12.41B29.65x4.86
QFIN
360 DIGITECH INC
NASDAQ
Credit Services
$2.06B$13.20-5.85%N/A2.74x1.21
ATLC
ATLANTICUS HOLDINGS CORP
NASDAQ
Credit Services
$374.58M$25.87-2.78%$205.67M2.57x5.82
SYF
SYNCHRONY FINANCIAL
NYSE
Credit Services
$14.10B$29.27-1.55%$5.22B4.22x6.11
V
VISA INC
NYSE
Credit Services
$381.49B$183.96-0.98%$18.91B27.13x1.41
LX
LEXINFINTECH HOLDINGS LTD
NASDAQ
Credit Services
$325.57M$1.820.55%N/A2.10x1.70
GDOT
GREEN DOT CORP
NYSE
Credit Services
$1.01B$18.75-1.88%$152.55M20.38x4.19
BFH
BREAD FINANCIAL HOLDINGS INC
NYSE
Credit Services
$1.65B$33.17-0.81%$497.00M3.56x8.59
AIHS
SENMIAO TECHNOLOGY LTD
NASDAQ
Credit Services
$5.76M$0.750.67%$7.19M0.71x0.68
MFIN
MEDALLION FINANCIAL CORP
NASDAQ
Credit Services
$169.67M$7.00-6.79%$87.33M2.93x5.95
DFS
DISCOVER FINANCIAL SERVICES
NYSE
Credit Services
$25.60B$93.73-1.31%$6.31B6.08x7.33
OPRT
OPORTUN FINANCIAL CORP
NASDAQ
Credit Services
$149.49M$4.54-1.52%$128.76M1.85x4.17
WU
WESTERN UNION CO
NYSE
Credit Services
$5.41B$14.02-2.16%$1.36B6.26x18.60
NRDS
NERDWALLET INC
NASDAQ
Credit Services
$705.49M$9.57-0.42%$9.40M-11.26x0.31
RWAY
RUNWAY GROWTH FINANCE CORP
NASDAQ
Credit Services
$469.14M$11.51-1.37%$35.12M13.08x0.41
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
NYSE
Credit Services
$1.12B$103.55-3.49%$204.73M8.30x20.38
NAVI
NAVIENT CORP
NASDAQ
Credit Services
$1.87B$13.19-3.65%$787.00M3.30x24.99
EZPW
EZCORP INC
NASDAQ
Credit Services
$456.64M$8.06-0.86%$154.38M10.33x0.94
CPSS
CONSUMER PORTFOLIO SERVICES INC
NASDAQ
Credit Services
$194.84M$9.34-5.47%$179.59M2.58x11.61
WRLD
WORLD ACCEPTANCE CORP
NASDAQ
Credit Services
$604.43M$96.22-4.01%$82.13M20.13x2.61
HKD
AMTD DIGITAL INC
NYSE
Credit Services
$1.72B$63.59-7.91%$31.15M62.96x0.04
PYPL
PAYPAL HOLDINGS INC
NASDAQ
Credit Services
$100.58B$86.97-0.79%$3.86B49.41x2.94
BBDC
BARINGS BDC INC
NYSE
Credit Services
$961.20M$8.80-3.51%$23.84M20.95x1.26
OCSL
OAKTREE SPECIALTY LENDING CORP
NASDAQ
Credit Services
$1.11B$6.08-2.88%$94.96M23.38x1.13
AXP
AMERICAN EXPRESS CO
NYSE
Credit Services
$105.16B$140.26-1.94%$11.67B14.33x7.84
ALLY
ALLY FINANCIAL INC
NYSE
Credit Services
$9.21B$29.85-2.71%$4.45B4.26x12.28
GSBD
GOLDMAN SACHS BDC INC
NYSE
Credit Services
$1.67B$16.30-0.06%$199.47M12.35x1.32
ENVA
ENOVA INTERNATIONAL INC
NYSE
Credit Services
$973.44M$30.41-3.46%$390.41M5.11x1.94
OMF
ONEMAIN HOLDINGS INC
NYSE
Credit Services
$3.83B$30.97-0.71%$1.67B3.75x6.32
IX
ORIX CORP
NYSE
Credit Services
$18.97B$75.40-2.17%$6.63B7.87x3.41
SLM
SLM CORP
NASDAQ
Credit Services
$3.57B$14.20-3.47%$1.14B4.66x12.91
ORCC
OWL ROCK CAPITAL CORP
NYSE
Credit Services
$4.53B$11.49-1.46%$580.69M14.01x1.29
RM
REGIONAL MANAGEMENT CORP
NYSE
Credit Services
$280.28M$29.25-1.75%$141.11M3.43x4.18
CACC
CREDIT ACCEPTANCE CORP
NASDAQ
Credit Services
$5.97B$462.28-1.11%$1.22B8.62x3.59
UPST
UPSTART HOLDINGS INC
NASDAQ
Credit Services
$1.75B$21.500.89%$100.85M19.03x1.53
BTBT
BIT DIGITAL INC
NASDAQ
Credit Services
$98.90M$1.20-3.23%-$38.36M-1.28x0.04
SNFCA
SECURITY NATIONAL FINANCIAL CORP
NASDAQ
Credit Services
$135.05M$6.25-5.30%$57.57M5.77x4.25
LU
LUFAX HOLDING LTD
NYSE
Credit Services
$7.19B$3.14-1.88%N/A3.22x2.86
NCPL
NETCAPITAL INC
NASDAQ
Credit Services
$8.42M$1.972.60%$1.80M2.77x0.15
SOS
SOS LTD
NYSE
Credit Services
$50.44M$4.93-5.19%-$42.47M-0.49x0.10
LC
LENDINGCLUB CORP
NYSE
Credit Services
$1.18B$11.39-1.47%$168.70M4.16x4.73
LMFA
LM FUNDING AMERICA INC
NASDAQ
Credit Services
$12.53M$0.96-4.30%-$13.20M-0.40x0.02
NNI
NELNET INC
NYSE
Credit Services
$2.97B$79.84-0.71%$729.10M6.65x5.66
PT
PINTEC TECHNOLOGY HOLDINGS LTD
NASDAQ
Credit Services
$3.41M$0.39-7.86%-$7.82M-0.21x-3.67
COF
CAPITAL ONE FINANCIAL CORP
NYSE
Credit Services
$35.99B$93.78-1.77%N/A4.08x7.24
FINV
FINVOLUTION GROUP
NYSE
Credit Services
$6.09B$4.28-4.46%N/A17.12x0.73
SOFI
SOFI TECHNOLOGIES INC
NASDAQ
Credit Services
$4.90B$5.31-0.93%-$225.29M-14.35x1.38
CURO
CURO GROUP HOLDINGS CORP
NYSE
Credit Services
$203.60M$5.03-5.09%$44.99M-2.16x22.17
SNTG
SENTAGE HOLDINGS INC
NASDAQ
Credit Services
$6.69M$2.39-0.42%-$772.93k-5.31x0.03
YRD
YIREN DIGITAL LTD
NYSE
Credit Services
$100.30M$1.186.31%$203.81M0.67x0.61
LYL
DRAGON VICTORY INTERNATIONAL LTD
NASDAQ
Credit Services
$19.09M$0.81-1.94%-$12.52M-1.02x0.79
ELVT
ELEVATE CREDIT INC
NYSE
Credit Services
$35.39M$1.143.64%-$18.29M-0.60x3.23
PGY
PAGAYA TECHNOLOGIES LTD
NASDAQ
Credit Services
$1.62B$2.01-8.64%-$235.37M-0.02x0.43
PRAA
PRA GROUP INC
NASDAQ
Credit Services
$1.34B$34.48-0.32%$329.71M9.97x2.36
JT
JIANPU TECHNOLOGY INC
NYSE
Credit Services
$36.02M$1.70-5.56%N/A-1.22x1.24
DXF
DUNXIN FINANCIAL HOLDINGS LTD
NYSEMKT
Credit Services
$21.44M$0.3510.93%-$15.54M-1.38x0.88
QD
QUDIAN INC
NYSE
Credit Services
$226.10M$0.91-3.19%N/A-4.35x0.12
XYF
X FINANCIAL
NYSE
Credit Services
$120.86M$2.182.83%N/A1.11x0.93
MGI
MONEYGRAM INTERNATIONAL INC
NASDAQ
Credit Services
$1.00B$10.39-0.67%$92.60M-519.50x-25.36
SUNL
SUNLIGHT FINANCIAL HOLDINGS INC
NYSE
Credit Services
$374.37M$2.86-4.98%-$100.33M-1.44x0.19
MEGL
MAGIC EMPIRE GLOBAL LTD
NASDAQ
Credit Services
N/A$4.47-4.89%$597.96k319.29x3.66
NICK
NICHOLAS FINANCIAL INC
NASDAQ
Credit Services
$72.45M$5.75-6.05%$5.89M-82.14x0.70
AHG
AKSO HEALTH GROUP
NASDAQ
Credit Services
$14.36M$0.88-5.05%-$32.17M-0.41x0.84
FOA
FINANCE OF AMERICA COMPANIES INC
NYSE
Credit Services
$84.57M$1.35-7.53%-$401.94M-0.19x56.85

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Sep 2022?

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

1. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the top credit service stock with a Zen Score of 60, which is 27 points higher than the credit service industry average of 33. It passed 20 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -78.14% over the past year, underperforming other credit service stocks by -38 percentage points.

Open Lending has an average 1 year price target of $17.71, an upside of 109.14% from Open Lending's current stock price of $8.47.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 7 analysts covering Open Lending, 28.57% have issued a Strong Buy rating, 28.57% have issued a Buy, 28.57% have issued a hold, while 0% have issued a Sell rating, and 14.29% have issued a Strong Sell.

2. Firstcash Holdings (NASDAQ:FCFS)


Firstcash Holdings (NASDAQ:FCFS) is the second best credit service stock with a Zen Score of 58, which is 25 points higher than the credit service industry average of 33. It passed 21 out of 38 due diligence checks and has strong fundamentals. Firstcash Holdings has seen its stock lose -11.64% over the past year, overperforming other credit service stocks by 29 percentage points.

Firstcash Holdings has an average 1 year price target of $89.33, an upside of 14.79% from Firstcash Holdings's current stock price of $77.82.

Firstcash Holdings stock has a consensus Buy recommendation according to Wall Street analysts. Of the 3 analysts covering Firstcash Holdings, 33.33% have issued a Strong Buy rating, 0% have issued a Buy, 66.67% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the third best credit service stock with a Zen Score of 54, which is 21 points higher than the credit service industry average of 33. It passed 20 out of 38 due diligence checks and has strong fundamentals. 360 Digitech has seen its stock lose -39.81% over the past year, overperforming other credit service stocks by 1 percentage points.

360 Digitech has an average 1 year price target of $25.39, an upside of 92.35% from 360 Digitech's current stock price of $13.20.

360 Digitech stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering 360 Digitech, 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.

What are the credit service stocks with highest dividends?

Out of 26 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

1. Onemain Holdings (NYSE:OMF)


Onemain Holdings (NYSE:OMF) has an annual dividend yield of 11.46%, which is 6 percentage points higher than the credit service industry average of 5.42%.

Onemain Holdings's dividend payout ratio of 82.3% indicates that its high dividend yield is sustainable for the long-term.

2. Goldman Sachs Bdc (NYSE:GSBD)


Goldman Sachs Bdc (NYSE:GSBD) has an annual dividend yield of 11.04%, which is 6 percentage points higher than the credit service industry average of 5.42%. Goldman Sachs Bdc's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Goldman Sachs Bdc's dividend has not shown consistent growth over the last 10 years.

Goldman Sachs Bdc's dividend payout ratio of 140.2% indicates that its high dividend yield might not be sustainable for the long-term.

3. Owl Rock Capital (NYSE:ORCC)


Owl Rock Capital (NYSE:ORCC) has an annual dividend yield of 10.79%, which is 5 percentage points higher than the credit service industry average of 5.42%.

Owl Rock Capital's dividend payout ratio of 151.2% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -1.92% in the last day, and down -8.3% over the last week. Pagaya Technologies was the among the top losers in the credit services industry, dropping -8.64% yesterday.

Shares of several companies in the broader tech sector are trading lower amid a rise in treasury yields as traders continue to assess Wednesday's Fed commentary and 75 bps rate hike. Rising rates decrease the present value of future cash flows, which negatively impacts growth stock valuations.

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. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Lexinfintech Holdings has a valuation score of 100, which is 51 points higher than the credit service industry average of 49. It passed 7 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -70.07% in the past year. It has underperformed other stocks in the credit service industry by -29 percentage points.

2. Security National Financial (NASDAQ:SNFCA)


Security National Financial (NASDAQ:SNFCA) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Security National Financial has a valuation score of 100, which is 51 points higher than the credit service industry average of 49. It passed 7 out of 7 valuation due diligence checks.

Security National Financial's stock has dropped -24.22% in the past year. It has overperformed other stocks in the credit service industry by 16 percentage points.

3. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. 360 Digitech has a valuation score of 86, which is 37 points higher than the credit service industry average of 49. It passed 6 out of 7 valuation due diligence checks.

360 Digitech's stock has dropped -39.81% in the past year. It has overperformed other stocks in the credit service industry by 1 percentage points.

Are credit service stocks a good buy now?

40.74% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 37.13% 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 24.64x.
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.