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: C, Growth: B, Momentum: C, Sentiment: A, Safety: A, 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 50.15% over the past year, overperforming other credit service stocks by 44 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 35.81% from Oppfi's current stock price of $9.94.

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.

Nelnet (NYSE:NNI) 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 Nelnet (NYSE:NNI) is: Value: C, Growth: B, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: B.

Nelnet (NYSE:NNI) has a Due Diligence Score of 37, which is 5 points higher than the credit service industry average of 32.

NNI passed 13 out of 38 due diligence checks and has average fundamentals. Nelnet has seen its stock return 8.12% over the past year, overperforming other credit service stocks by 2 percentage points.

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: B, 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 49.2% over the past year, overperforming other credit service stocks by 43 percentage points.

Firstcash Holdings has an average 1 year price target of $179.33, an upside of 11.57% from Firstcash Holdings's current stock price of $160.73.

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 24 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 4.8%. 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 14.86%, which is 10 percentage points higher than the credit service industry average of 4.8%.

Runway Growth Finance's dividend payout ratio of 73.3% indicates that its high dividend yield is sustainable for the long-term.

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.47%, which is 9 percentage points higher than the credit service industry average of 4.8%. 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 349.1% indicates that its high dividend yield might not be sustainable for the long-term.

Credit service stocks were up 0.54% in the last day, and down -0.89% over the last week.

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

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 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -32.65% in the past year. It has underperformed other stocks in the credit service industry by -39 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 3 points higher than the credit service industry average of 40. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -15.03% in the past year. It has underperformed other stocks in the credit service industry by -21 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 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has gained 9.46% in the past year. It has overperformed other stocks in the credit service industry by 3 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 18.32% over the next year.

14.29% of credit service stocks have a Zen Rating of A (Strong Buy), 26.53% of credit service stocks are rated B (Buy), 57.14% are rated C (Hold), 2.04% are rated D (Sell), and 0% are rated F (Strong Sell).