Sectors & IndustriesFinancial 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.

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:

Oppfi (NYSE:OPFI) is the #1 top credit service stock out of 56 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: B, Growth: A, Momentum: C, Sentiment: B, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 16, which is -16 points lower than the credit service industry average of 32. Although this number is below the industry average, our proven quant model rates OPFI as a "A".

OPFI passed 6 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock return 17.83% over the past year, overperforming other credit service stocks by 18 percentage points.

Ezcorp (NASDAQ:EZPW) is the #2 top credit service stock out of 56 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 Ezcorp (NASDAQ:EZPW) is: Value: C, Growth: B, Momentum: C, Sentiment: C, Safety: C, Financials: B, and AI: B.

Ezcorp (NASDAQ:EZPW) has a Due Diligence Score of 45, which is 13 points higher than the credit service industry average of 32.

EZPW passed 14 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 42.87% over the past year, overperforming other credit service stocks by 43 percentage points.

Ezcorp has an average 1 year price target of $25.50, an upside of 41.43% from Ezcorp's current stock price of $18.03.

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

Firstcash Holdings (NASDAQ:FCFS) is the #3 top credit service stock out of 56 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 Firstcash Holdings (NASDAQ:FCFS) is: Value: C, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: B.

Firstcash Holdings (NASDAQ:FCFS) has a Due Diligence Score of 42, which is 10 points higher than the credit service industry average of 32.

FCFS passed 15 out of 38 due diligence checks and has strong fundamentals. Firstcash Holdings has seen its stock return 42.18% over the past year, overperforming other credit service stocks by 42 percentage points.

Firstcash Holdings has an average 1 year price target of $179.33, an upside of 16.85% from Firstcash Holdings's current stock price of $153.47.

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

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:

Ally Financial (NYSE:ALLY) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 4.79%. Ally Financial's dividend payout is stable, having never dropped by more than 10% in the last 10 years. Ally Financial's dividend has shown consistent growth over the last 10 years.

Ally Financial's dividend payout ratio of 34.5% indicates that its dividend yield is sustainable for the long-term.

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 16.2%, which is 11 percentage points higher than the credit service industry average of 4.79%. Runway Growth Finance's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Runway Growth Finance's dividend has shown consistent growth over the last 10 years.

Runway Growth Finance's dividend payout ratio of 100.7% indicates that its high dividend yield might not be sustainable for the long-term.

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.52%, which is 9 percentage points higher than the credit service industry average of 4.79%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% six 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 471.8% indicates that its high dividend yield might not be sustainable for the long-term.

Credit service stocks were up 1.09% in the last day, and up 2.69% over the last week. Qudian was the among the top gainers in the credit services industry, gaining 10.3% yesterday.

Qudian shares are trading higher after the company reported a year-over-year increase in Q3 EPADS results.

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:

Qfin Holdings (NASDAQ:QFIN) 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.

Qfin Holdings has a valuation score of 71, which is 33 points higher than the credit service industry average of 38. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -46.35% in the past year. It has underperformed other stocks in the credit service industry by -46 percentage points.

Western Union Co (NYSE:WU) 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.

Western Union Co has a valuation score of 43, which is 5 points higher than the credit service industry average of 38. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -24.75% in the past year. It has underperformed other stocks in the credit service industry by -25 percentage points.

X Financial (NYSE:XYF) 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.

X Financial has a valuation score of 71, which is 33 points higher than the credit service industry average of 38. It passed 5 out of 7 valuation due diligence checks.

X Financial's stock has gained 13.23% in the past year. It has overperformed other stocks in the credit service industry by 13 percentage points.

42.11% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 19.86% over the next year.

6.25% of credit service stocks have a Zen Rating of A (Strong Buy), 22.92% of credit service stocks are rated B (Buy), 68.75% are rated C (Hold), 2.08% are rated D (Sell), and 0% are rated F (Strong Sell).