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Best Credit Service Stocks to Buy Now (2023)
Top credit service stocks in 2023 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
QFIN
360 DIGITECH INC
NASDAQ
Credit Services
$3.44B$22.00-0.59%N/A5.49x1.23
LX
LEXINFINTECH HOLDINGS LTD
NASDAQ
Credit Services
$564.31M$3.35-8.72%N/A5.53x1.73
LPRO
OPEN LENDING CORP
NASDAQ
Credit Services
$1.13B$8.95-9.32%$129.79M11.62x0.71
HKD
AMTD DIGITAL INC
NYSE
Credit Services
$272.10M$10.060.60%$31.15M9.96x0.04
BFH
BREAD FINANCIAL HOLDINGS INC
NYSE
Credit Services
$2.03B$40.64-5.02%$300.50M5.42x8.15
ATLC
ATLANTICUS HOLDINGS CORP
NASDAQ
Credit Services
$486.95M$33.71-4.77%$189.41M3.66x5.88
AIHS
SENMIAO TECHNOLOGY LTD
NASDAQ
Credit Services
$7.61M$0.99-1.49%$4.70M1.24x0.78
MFIN
MEDALLION FINANCIAL CORP
NASDAQ
Credit Services
$207.04M$9.031.23%$76.42M4.36x6.32
MA
MASTERCARD INC
NYSE
Credit Services
$358.60B$372.97-0.25%$12.67B37.15x4.90
CPSS
CONSUMER PORTFOLIO SERVICES INC
NASDAQ
Credit Services
$235.25M$11.51-0.69%$199.53M2.71x11.15
SYF
SYNCHRONY FINANCIAL
NYSE
Credit Services
$16.41B$36.42-1.70%$4.65B5.70x6.74
WU
WESTERN UNION CO
NYSE
Credit Services
$5.42B$14.04-1.68%$1.26B6.62x15.85
GDOT
GREEN DOT CORP
NYSE
Credit Services
$989.87M$18.83-2.84%$147.32M21.40x5.02
V
VISA INC
NYSE
Credit Services
$473.24B$229.44-0.30%$19.65B32.09x1.31
FCFS
FIRSTCASH HOLDINGS INC
NASDAQ
Credit Services
$4.09B$88.27-1.45%$851.67M16.44x1.08
EZPW
EZCORP INC
NASDAQ
Credit Services
$518.11M$9.31-0.32%$170.29M10.23x0.99
ALLY
ALLY FINANCIAL INC
NYSE
Credit Services
$9.99B$33.44-3.80%$4.01B5.59x14.17
DFS
DISCOVER FINANCIAL SERVICES
NYSE
Credit Services
$32.01B$117.15-1.55%$6.23B7.60x7.53
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
NYSE
Credit Services
$1.45B$134.38-0.25%$217.46M10.01x20.46
OMF
ONEMAIN HOLDINGS INC
NYSE
Credit Services
$5.17B$42.31-3.25%$1.54B5.56x6.42
NNI
NELNET INC
NYSE
Credit Services
$3.56B$95.87-0.59%$794.42M7.14x5.16
RM
REGIONAL MANAGEMENT CORP
NYSE
Credit Services
$350.17M$36.53-3.46%$128.74M4.96x4.21
PYPL
PAYPAL HOLDINGS INC
NASDAQ
Credit Services
$93.86B$82.33-3.73%$4.28B41.58x2.77
NAVI
NAVIENT CORP
NASDAQ
Credit Services
$2.57B$18.920.00%$704.00M5.11x23.77
NRDS
NERDWALLET INC
NASDAQ
Credit Services
$956.68M$12.871.34%-$1.40M-31.39x0.52
SLM
SLM CORP
NASDAQ
Credit Services
$3.85B$15.371.52%$1.16B4.96x13.70
ENVA
ENOVA INTERNATIONAL INC
NYSE
Credit Services
$1.62B$51.62-3.15%$404.90M8.37x2.06
LC
LENDINGCLUB CORP
NYSE
Credit Services
$998.34M$9.50-5.85%$189.34M3.30x5.04
CACC
CREDIT ACCEPTANCE CORP
NASDAQ
Credit Services
$6.61B$511.35-3.14%$1.02B11.53x3.34
AXP
AMERICAN EXPRESS CO
NYSE
Credit Services
$131.87B$176.48-1.33%$11.65B17.67x7.98
SOS
SOS LTD
NYSE
Credit Services
$64.66M$6.32-3.07%-$37.01M0.83x0.12
COF
CAPITAL ONE FINANCIAL CORP
NYSE
Credit Services
$44.90B$117.64-3.13%$13.97B5.78x7.73
NCPL
NETCAPITAL INC
NASDAQ
Credit Services
$6.21M$1.448.27%$2.45M1.69x0.16
UPST
UPSTART HOLDINGS INC
NASDAQ
Credit Services
$1.72B$21.04-4.80%$18.34M300.57x1.67
LMFA
LM FUNDING AMERICA INC
NASDAQ
Credit Services
$10.68M$0.8217.24%-$13.05M-0.43x0.04
WRLD
WORLD ACCEPTANCE CORP
NASDAQ
Credit Services
$626.97M$100.66-5.44%$75.58M43.77x2.38
BTBT
BIT DIGITAL INC
NASDAQ
Credit Services
$124.50M$1.51-5.03%-$27.78M-2.04x0.04
OCSL
OAKTREE SPECIALTY LENDING CORP
NASDAQ
Credit Services
$1.24B$20.26-0.39%$79.79M42.21x1.13
BBDC
BARINGS BDC INC
NYSE
Credit Services
$953.37M$8.76-1.46%$19.06M30.21x1.16
SOFI
SOFI TECHNOLOGIES INC
NASDAQ
Credit Services
$6.88B$7.41-0.67%-$253.69M-18.07x2.00
SNTG
SENTAGE HOLDINGS INC
NASDAQ
Credit Services
$6.89M$2.464.24%-$2.34M-2.32x0.03
LU
LUFAX HOLDING LTD
NYSE
Credit Services
$6.29B$2.75-7.72%N/A3.42x2.95
ORCC
OWL ROCK CAPITAL CORP
NYSE
Credit Services
$5.20B$13.20-0.45%$723.51M11.68x1.29
PRAA
PRA GROUP INC
NASDAQ
Credit Services
$1.59B$40.71-1.43%$321.28M12.23x2.40
MATH
METALPHA TECHNOLOGY HOLDING LTD
NASDAQ
Credit Services
$17.93M$0.76-10.59%-$12.52M-0.96x0.79
OPRT
OPORTUN FINANCIAL CORP
NASDAQ
Credit Services
$244.63M$7.37-3.66%-$5.13M-4.66x5.45
QD
QUDIAN INC
NYSE
Credit Services
$316.33M$1.292.38%N/A-2.50x0.11
FINV
FINVOLUTION GROUP
NYSE
Credit Services
$7.92B$5.61-0.88%N/A24.29x0.75
SNFCA
SECURITY NATIONAL FINANCIAL CORP
NASDAQ
Credit Services
$153.88M$7.12-0.56%$40.45M15.48x4.43
GSBD
GOLDMAN SACHS BDC INC
NYSE
Credit Services
$1.63B$15.880.19%$162.00M18.05x1.40
SUNL
SUNLIGHT FINANCIAL HOLDINGS INC
NYSE
Credit Services
$184.93M$1.431.42%-$366.57M-0.29x0.39
PGY
PAGAYA TECHNOLOGIES LTD
NASDAQ
Credit Services
$842.50M$1.245.98%N/AN/A0.45
DXF
DUNXIN FINANCIAL HOLDINGS LTD
NYSEMKT
Credit Services
$13.05M$0.210.00%-$15.54M-0.84x0.88
XYF
X FINANCIAL
NYSE
Credit Services
$196.12M$3.65-7.12%N/A2.14x0.91
AHG
AKSO HEALTH GROUP
NASDAQ
Credit Services
$10.19M$0.45-3.67%-$15.90M-0.53x3.13
ELVT
ELEVATE CREDIT INC
NYSE
Credit Services
$56.24M$1.801.12%-$6.56M-0.87x3.67
MGI
MONEYGRAM INTERNATIONAL INC
NASDAQ
Credit Services
$1.05B$10.850.37%$122.30M60.28x-24.55
JT
JIANPU TECHNOLOGY INC
NYSE
Credit Services
$41.37M$1.95-0.76%N/AN/A1.15
PT
PINTEC TECHNOLOGY HOLDINGS LTD
NASDAQ
Credit Services
$3.96M$0.45-2.17%N/A-0.14x-1.57
RWAY
RUNWAY GROWTH FINANCE CORP
NASDAQ
Credit Services
$530.06M$13.081.00%$39.39M15.21x0.61
FOA
FINANCE OF AMERICA COMPANIES INC
NYSE
Credit Services
$103.26M$1.64-4.65%-$515.23M-0.19x69.06
NICK
NICHOLAS FINANCIAL INC
NASDAQ
Credit Services
$92.39M$7.285.13%-$1.15M-10.10x0.60
IX
ORIX CORP
NYSE
Credit Services
$21.64B$86.00-0.35%N/AN/A3.44
MEGL
MAGIC EMPIRE GLOBAL LTD
NASDAQ
Credit Services
$49.80M$2.49-6.74%N/AN/A5.78
SHFS
SHF HOLDINGS INC
NASDAQ
Credit Services
$18.34M$0.988.89%-$504.48k-98.00x2.22
CURO
CURO GROUP HOLDINGS CORP
NYSE
Credit Services
$174.90M$4.32-3.36%$169.96M-6.35x21.32
YRD
YIREN DIGITAL LTD
NYSE
Credit Services
$285.26M$3.18-3.34%N/AN/A0.44

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Feb 2023?

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

1. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the top credit service stock with a Zen Score of 59, which is 31 points higher than the credit service industry average of 28. It passed 23 out of 38 due diligence checks and has strong fundamentals. 360 Digitech has seen its stock return 15.18% over the past year, overperforming other credit service stocks by 30 percentage points.

360 Digitech has an average 1 year price target of $25.39, an upside of 15.41% from 360 Digitech's current stock price of $22.00.

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.

2. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the second best credit service stock with a Zen Score of 58, which is 30 points higher than the credit service industry average of 28. It passed 18 out of 33 due diligence checks and has strong fundamentals. Lexinfintech Holdings has seen its stock return 1.52% over the past year, overperforming other credit service stocks by 17 percentage points.

Lexinfintech Holdings has an average 1 year price target of $9.15, an upside of 173.13% from Lexinfintech Holdings's current stock price of $3.35.

Lexinfintech Holdings stock has a consensus Hold recommendation according to Wall Street analysts. Of the 4 analysts covering Lexinfintech Holdings, 25% have issued a Strong Buy rating, 0% have issued a Buy, 50% have issued a hold, while 0% have issued a Sell rating, and 25% have issued a Strong Sell.

3. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the third best credit service stock with a Zen Score of 53, which is 25 points higher than the credit service industry average of 28. It passed 18 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -52.14% over the past year, underperforming other credit service stocks by -37 percentage points.

Open Lending has an average 1 year price target of $14.79, an upside of 65.21% from Open Lending's current stock price of $8.95.

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.

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. Lufax Holding (NYSE:LU)


Lufax Holding (NYSE:LU) has an annual dividend yield of 17.09%, which is 12 percentage points higher than the credit service industry average of 4.84%.

Lufax Holding's dividend payout ratio of 58.4% 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 11.34%, which is 6 percentage points higher than the credit service industry average of 4.84%. 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 204.5% 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 10.84%, which is 6 percentage points higher than the credit service industry average of 4.84%. 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 320.7% 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 -1.87% in the last day, and up 4.24% over the last week. Lufax Holding was the among the top losers in the credit services industry, dropping -7.72% yesterday.

Shares of several Chinese stocks are trading lower after the US government shot down a balloon originating from China.

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. Atlanticus Holdings (NASDAQ:ATLC)


Atlanticus Holdings (NASDAQ:ATLC) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Atlanticus Holdings has a valuation score of 100, which is 58 points higher than the credit service industry average of 42. It passed 7 out of 7 valuation due diligence checks.

Atlanticus Holdings's stock has dropped -48.58% in the past year. It has underperformed other stocks in the credit service industry by -33 percentage points.

2. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Lexinfintech Holdings has a valuation score of 100, which is 58 points higher than the credit service industry average of 42. It passed 7 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has gained 1.52% in the past year. It has overperformed other stocks in the credit service industry by 17 percentage points.

3. Medallion Financial (NASDAQ:MFIN)


Medallion Financial (NASDAQ:MFIN) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Medallion Financial has a valuation score of 100, which is 58 points higher than the credit service industry average of 42. It passed 7 out of 7 valuation due diligence checks.

Medallion Financial's stock has gained 20.4% in the past year. It has overperformed other stocks in the credit service industry by 36 percentage points.

Are credit service stocks a good buy now?

32.73% of credit service stocks rated by analysts are a hold right now. On average, analysts expect credit service stocks to rise by 4.78% 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 28.88x.
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.