Sectors & IndustriesFinancial ServicesCredit Services

Best Credit Service Stocks to Buy Now (2026)

Top credit service stocks in 2026 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: A, Growth: B, Momentum: D, Sentiment: B, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 43, which is 8 points higher than the credit service industry average of 35.

OPFI passed 17 out of 38 due diligence checks and has strong fundamentals. Oppfi has seen its stock lose -6.83% over the past year, underperforming other credit service stocks by -16 percentage points.

Oppfi has an average 1 year price target of $15.00, an upside of 71.82% from Oppfi's current stock price of $8.73.

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.

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

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 32, which is -3 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 12 out of 38 due diligence checks and has average fundamentals. Cpi Card Group has seen its stock lose -30.2% over the past year, underperforming other credit service stocks by -39 percentage points.

Cpi Card Group has an average 1 year price target of $27.67, an upside of 52.27% from Cpi Card Group's current stock price of $18.17.

Cpi Card Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 3 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.

Enova International (NYSE:ENVA) is the #3 top credit service stock out of 56 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Enova International (NYSE:ENVA) is: Value: C, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: B.

Enova International (NYSE:ENVA) has a Due Diligence Score of 46, which is 11 points higher than the credit service industry average of 35.

ENVA passed 15 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 69.34% over the past year, overperforming other credit service stocks by 60 percentage points.

Enova International has an average 1 year price target of $195.20, an upside of 17.13% from Enova International's current stock price of $166.65.

Enova International stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Enova International, 60% have issued a Strong Buy rating, 40% 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 25 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

Oppfi (NYSE:OPFI) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 6.3%.

Oppfi's dividend payout ratio of 25.3% indicates that its dividend yield is sustainable for the long-term.

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 21.34%, which is 15 percentage points higher than the credit service industry average of 6.3%. 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 186% indicates that its high dividend yield might not be sustainable for the long-term.

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 16.09%, which is 10 percentage points higher than the credit service industry average of 6.3%.

Lexinfintech Holdings's dividend payout ratio of 21.2% indicates that its high dividend yield is sustainable for the long-term.

Credit service stocks were down -0.25% in the last day, and down -1.49% over the last week. Western Union Co was the among the top losers in the credit services industry, dropping -4.61% yesterday.

Western Union shares are trading lower after the company reported mixed Q1 financial 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 27 points higher than the credit service industry average of 44. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -68.36% in the past year. It has underperformed other stocks in the credit service industry by -77 percentage points.

Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings has a valuation score of 43, which is -1 points higher than the credit service industry average of 44. It passed 3 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates BFH a Valuation Rating of "A".

Bread Financial Holdings's stock has gained 76.16% in the past year. It has overperformed other stocks in the credit service industry by 67 percentage points.

Lexinfintech Holdings (NASDAQ:LX) 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.

Lexinfintech Holdings has a valuation score of 71, which is 27 points higher than the credit service industry average of 44. It passed 5 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -74.37% in the past year. It has underperformed other stocks in the credit service industry by -83 percentage points.

48.72% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 17.23% over the next year.

4.26% of credit service stocks have a Zen Rating of A (Strong Buy), 17.02% of credit service stocks are rated B (Buy), 68.09% are rated C (Hold), 8.51% are rated D (Sell), and 2.13% are rated F (Strong Sell).