WallStreetZenWallStreetZen

Best Credit Service Stocks to Buy Now (2024)
Top credit service stocks in 2024 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
Price
1d %
1w %
1m %
3m %
6m %
1y %
3y %
5y %
10y %
52-week High
52-week Low
% off 52-week High
% off 52-week Low
Beta
Volume
Vol 1d %
LPRO
OPEN LENDING CORP
$4.87-1.81%2.31%-20.03%-35.33%-25.08%-28.06%-87.24%-51.35%N/A$11.99$4.5759.38%6.56%0.85479,56325.28%
QFIN
QIFU TECHNOLOGY INC
$18.731.19%4.99%1.74%24.12%22.66%10.37%-33.27%-10.08%N/A$20.62$13.129.14%42.76%1.071,100,0918.24%
PYPL
PAYPAL HOLDINGS INC
$64.840.64%2.50%-1.76%2.89%19.54%-12.72%-76.14%-39.53%N/A$76.54$50.2515.29%29.03%1.357,810,533-10.47%
NAVI
NAVIENT CORP
$16.09-3.07%-0.06%-6.18%-9.04%-5.96%-1.29%5.30%24.15%-3.25%$19.69$14.1018.29%14.11%1.292,141,32815.36%
MA
MASTERCARD INC
$462.50-0.07%0.51%-2.84%5.43%19.54%23.42%19.36%88.55%522.06%$490.00$357.855.61%29.24%1.173,932,67295.78%
DFS
DISCOVER FINANCIAL SERVICES
$129.02-0.17%7.62%3.00%27.46%59.15%23.48%21.50%67.51%129.37%$131.65$79.042.00%63.23%1.561,786,121-3.38%
V
VISA INC
$275.020.33%0.85%-2.20%1.24%17.20%18.16%19.40%70.30%425.35%$290.96$216.145.48%27.24%1.048,745,51641.79%
ATLC
ATLANTICUS HOLDINGS CORP
$24.882.56%-2.62%-15.23%-27.17%-13.31%-12.82%-23.07%642.69%949.79%$43.70$23.2143.07%7.22%1.4510,845-28.11%
OMF
ONEMAIN HOLDINGS INC
$51.311.77%8.62%3.55%9.92%39.96%32.89%-7.22%51.67%112.20%$51.65$33.670.66%52.39%1.45852,8863.99%
COF
CAPITAL ONE FINANCIAL CORP
$148.870.66%8.85%5.92%13.56%66.89%54.53%7.65%69.58%99.18%$149.94$83.930.71%77.37%1.453,961,25558.55%
OCSL
OAKTREE SPECIALTY LENDING CORP
$19.690.25%1.34%1.65%-7.90%3.52%4.62%-1.89%23.84%-30.98%$21.64$17.999.01%9.45%0.72364,269-51.05%
WU
WESTERN UNION CO
$13.591.42%6.17%-0.66%10.04%2.33%24.91%-48.43%-30.09%-14.04%$14.19$10.374.20%31.05%0.805,713,73664.84%
MFIN
MEDALLION FINANCIAL CORP
$8.281.47%7.12%6.29%-16.53%26.41%26.99%4.41%22.12%-40.47%$10.49$5.6421.07%46.81%1.2348,317-55.42%
SYF
SYNCHRONY FINANCIAL
$45.025.04%13.46%8.95%18.57%64.49%52.20%8.56%34.27%N/A$45.16$26.590.31%69.31%1.489,290,91410.74%
ALLY
ALLY FINANCIAL INC
$39.760.13%9.62%0.84%8.99%74.69%52.28%-19.79%32.93%63.08%$41.56$22.544.33%76.40%1.473,365,946-15.19%
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$190.33-0.31%5.79%0.16%3.48%31.78%40.73%89.33%148.89%434.18%$199.40$122.964.55%54.79%0.9532,583-25.10%
SLM
SLM CORP
$22.100.78%7.39%3.51%15.10%70.00%51.37%15.83%119.25%-13.81%$22.21$12.260.47%80.26%1.082,045,55231.05%
AXP
AMERICAN EXPRESS CO
$239.120.07%9.85%5.79%28.68%65.57%48.90%59.05%109.72%173.56%$240.55$140.910.59%69.70%1.314,214,606-8.77%
LX
LEXINFINTECH HOLDINGS LTD
$1.700.59%8.97%-7.61%-17.87%-11.92%-24.44%-82.16%-87.36%N/A$3.01$1.5643.43%8.97%1.10805,78710.27%
FINV
FINVOLUTION GROUP
$4.901.45%4.70%-0.61%2.51%2.73%32.43%-29.50%-10.91%N/A$6.05$3.7119.01%32.08%0.92568,5174.97%
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$7.61-4.52%37.12%64.01%48.34%237.47%70.82%-94.64%-12.03%N/A$8.85$2.1614.01%252.31%0.6980,287-22.17%
EZPW
EZCORP INC
$11.500.26%3.98%6.68%32.34%46.12%31.88%125.49%8.08%4.55%$11.52$7.700.17%49.45%0.75387,933-48.99%
BBDC
BARINGS BDC INC
$9.25-0.11%0.33%2.44%2.66%4.99%22.03%-10.02%-6.19%-64.68%$9.89$6.966.47%32.90%0.63346,693-44.14%
BFH
BREAD FINANCIAL HOLDINGS INC
$35.53-0.89%10.24%-0.48%16.49%25.02%26.85%-66.64%-78.44%-85.28%$41.89$23.1915.18%53.21%1.60942,11037.01%
NRDS
NERDWALLET INC
$13.76-0.58%3.07%-8.14%-9.59%103.85%-6.39%N/AN/AN/A$17.30$6.3820.46%115.67%1.35262,463-39.51%
LC
LENDINGCLUB CORP
$8.19-0.12%7.62%-2.96%-5.43%53.95%12.04%-45.58%-48.33%N/A$10.92$4.7325.00%73.15%1.621,349,68015.73%
XYF
X FINANCIAL
$3.83-1.34%1.06%-18.16%-6.59%1.86%22.76%-4.73%-74.47%N/A$5.00$3.0423.40%25.99%0.345,3761,500.00%
YRD
YIREN DIGITAL LTD
$5.081.20%7.86%14.93%6.95%127.80%141.90%30.26%-66.36%N/A$5.80$1.9412.41%161.86%1.0492,46015.19%
CPSS
CONSUMER PORTFOLIO SERVICES INC
$8.843.51%4.25%17.24%6.25%0.91%-8.11%107.03%160.00%19.46%$13.75$7.3035.69%21.10%0.7023,732-14.44%
ENVA
ENOVA INTERNATIONAL INC
$63.54-1.21%7.71%4.75%12.30%43.82%30.74%87.88%146.95%N/A$65.00$35.302.25%80.00%1.43348,149-13.66%
IX
ORIX CORP
$104.260.05%2.27%-5.56%8.32%15.41%21.81%28.04%50.27%45.61%$113.43$82.678.08%26.12%0.728,784-31.34%
FUFU
BITFUFU INC
$2.978.39%4.58%-45.00%-73.12%-72.29%-71.47%N/AN/AN/A$18.32$2.3283.79%28.02%-0.0245,487-82.62%
RWAY
RUNWAY GROWTH FINANCE CORP
$12.59-0.47%0.08%5.36%-4.48%4.74%11.12%N/AN/AN/A$13.74$10.478.37%20.25%0.59112,840-54.47%
SNTG
SENTAGE HOLDINGS INC
$1.89-1.05%-1.05%-16.37%-32.26%5.59%19.62%N/AN/AN/A$9.63$1.4780.37%28.57%0.329,510-42.46%
LMFA
LM FUNDING AMERICA INC
$2.73-2.85%9.20%-9.90%-2.99%22.04%-36.36%-92.29%-93.21%N/A$8.22$1.6366.79%67.18%1.0714,762-73.80%
SOFI
SOFI TECHNOLOGIES INC
$7.600.26%6.15%2.01%0.53%2.98%30.36%-54.44%N/AN/A$11.70$4.4535.04%70.79%1.9239,097,717-1.19%
RM
REGIONAL MANAGEMENT CORP
$26.380.53%6.11%8.78%0.30%10.70%-2.15%-32.64%3.13%20.29%$34.60$20.5023.76%28.68%1.1615,78130.35%
WRLD
WORLD ACCEPTANCE CORP
$137.72-1.06%5.24%0.58%-1.80%39.62%47.23%4.92%8.94%71.40%$160.08$88.7913.97%55.11%1.3140,057151.38%
FCFS
FIRSTCASH HOLDINGS INC
$132.03-0.35%1.84%7.51%15.56%29.68%36.76%83.78%41.24%168.85%$133.64$88.051.20%49.95%0.91329,195-3.29%
NNI
NELNET INC
$94.940.06%1.00%2.93%10.31%11.47%0.02%27.57%62.15%124.66%$101.60$81.676.56%16.25%0.7870,9416.79%
PMTS
CPI CARD GROUP INC
$16.60-4.05%-8.03%8.07%-10.27%-5.25%-60.84%6.75%564.00%N/A$43.64$12.6561.96%31.23%0.6230,727-1.68%
LU
LUFAX HOLDING LTD
$4.554.36%9.38%4.60%84.96%19.33%-36.45%-91.92%N/AN/A$7.64$2.1140.45%115.64%1.234,290,97228.30%
QD
QUDIAN INC
$2.46-0.40%8.37%0.41%19.42%33.70%100.00%18.84%-61.32%N/A$2.60$1.165.38%112.99%1.11896,87538.03%
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$0.250.82%-9.59%-24.38%-28.78%-35.70%94.44%-86.90%-91.31%-98.09%$1.90$0.1287.11%105.88%1.03116,813-75.19%
CACC
CREDIT ACCEPTANCE CORP
$522.22-0.01%-1.94%-4.98%-4.91%27.60%5.71%36.43%7.24%273.55%$616.66$379.7715.31%37.51%1.1942,43521.93%
UPST
UPSTART HOLDINGS INC
$23.120.78%3.03%-11.45%-31.33%-5.94%56.01%-79.22%N/AN/A$72.58$11.9368.15%93.80%2.902,181,265-55.47%
AIHS
SENMIAO TECHNOLOGY LTD
$0.82-8.26%1.48%-18.61%70.19%127.70%-19.01%-93.87%-98.39%N/A$1.12$0.2026.61%311.00%0.623,164313.59%
OPFI
OPPFI INC
$2.87-5.59%-1.71%20.59%-16.57%24.24%49.48%-71.86%N/AN/A$5.34$1.8146.25%58.56%1.02107,579-32.66%
OBDC
BLUE OWL CAPITAL CORP
$15.810.44%3.00%2.60%4.98%17.90%22.27%9.19%N/AN/A$15.85$12.200.25%29.59%0.741,860,527-6.92%
MDBH
MDB CAPITAL HOLDINGS LLC
$8.96-1.84%9.27%-8.66%-25.33%-17.50%N/AN/AN/AN/A$21.67$7.3558.65%21.90%0.921,369-89.40%
GDOT
GREEN DOT CORP
$8.981.13%9.38%-0.77%-1.64%-25.66%-47.67%-80.00%-85.47%-49.12%$21.37$7.3057.98%23.01%1.31330,807-34.01%
FOA
FINANCE OF AMERICA COMPANIES INC
$0.50-2.72%-23.08%-26.69%-51.92%-52.38%-69.88%-95.09%-94.90%N/A$2.07$0.5075.85%0.00%0.4691,463-35.87%
MCVT
MILL CITY VENTURES III LTD
$2.500.00%-5.66%-4.21%-9.75%-16.67%N/AN/AN/AN/A$3.77$2.0333.69%23.15%0.49152-21.65%
OPRT
OPORTUN FINANCIAL CORP
$3.242.86%52.11%29.60%-20.78%-44.23%-14.96%-84.23%N/AN/A$7.73$2.0558.09%58.05%1.33862,924-92.61%
NICK
NICHOLAS FINANCIAL INC
$6.593.13%-4.30%-1.49%-5.86%48.09%28.71%-36.94%-28.37%-58.16%$7.45$4.3711.54%50.80%0.482,0311,310.42%
PAPL
PINEAPPLE FINANCIAL INC
$1.37-1.09%-5.21%3.80%-17.77%N/AN/AN/AN/AN/A$4.25$1.2067.88%13.75%0.4262,17140.26%
GRYP
GRYPHON DIGITAL MINING INC
$1.395.30%2.96%-6.71%-75.61%-74.30%-90.98%-99.92%N/AN/A$16.66$1.2291.66%13.93%1.33230,413-37.94%
PRAA
PRA GROUP INC
$24.79-0.52%3.12%-2.13%0.08%76.57%-34.24%-34.16%-9.92%-57.58%$36.89$11.8532.80%109.20%0.86137,972-5.85%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$1.110.91%4.23%2.78%0.91%2.78%5.71%-76.13%-96.88%N/A$1.38$0.7519.57%48.00%0.70112,49767.06%
BCG
BINAH CAPITAL GROUP INC
$6.63-8.32%-4.70%-30.21%N/AN/AN/AN/AN/AN/A$16.61$5.6060.08%18.39%4.862,392-37.64%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Apr 2024?

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 63, which is 32 points higher than the credit service industry average of 31. It passed 20 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -28.06% over the past year, underperforming other credit service stocks by -47 percentage points.

Open Lending has an average 1 year price target of $7.33, an upside of 50.57% from Open Lending's current stock price of $4.87.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 6 analysts covering Open Lending, 0% have issued a Strong Buy rating, 50% have issued a Buy, 50% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Qifu Technology (NASDAQ:QFIN)


Qifu Technology (NASDAQ:QFIN) is the second best credit service stock with a Zen Score of 57, which is 26 points higher than the credit service industry average of 31. It passed 21 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 10.37% over the past year, underperforming other credit service stocks by -8 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 27.07% from Qifu Technology's current stock price of $18.73.

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

3. PayPal (NASDAQ:PYPL)


PayPal (NASDAQ:PYPL) is the third best credit service stock with a Zen Score of 52, which is 21 points higher than the credit service industry average of 31. It passed 17 out of 33 due diligence checks and has strong fundamentals. PayPal has seen its stock lose -12.72% over the past year, underperforming other credit service stocks by -31 percentage points.

PayPal has an average 1 year price target of $67.76, an upside of 4.51% from PayPal's current stock price of $64.84.

PayPal stock has a consensus Buy recommendation according to Wall Street analysts. Of the 21 analysts covering PayPal, 23.81% have issued a Strong Buy rating, 14.29% have issued a Buy, 61.9% 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 24 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

1. Oaktree Specialty Lending (NASDAQ:OCSL)


Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 11.53%, which is 8 percentage points higher than the credit service industry average of 3.97%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% five 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 148.4% indicates that its high dividend yield might not be sustainable for the long-term.

2. Barings Bdc (NYSE:BBDC)


Barings Bdc (NYSE:BBDC) has an annual dividend yield of 11.14%, which is 7 percentage points higher than the credit service industry average of 3.97%. Barings Bdc's dividend payout is not stable, having dropped more than 10% four times in the last 10 years. Barings Bdc's dividend has shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 85% indicates that its high dividend yield is sustainable for the long-term.

3. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 10.71%, which is 7 percentage points higher than the credit service industry average of 3.97%.

Lexinfintech Holdings's dividend payout ratio of 12.9% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.05% in the last day, and up 3.15% over the last week. Synchrony Financial was the among the top gainers in the credit services industry, gaining 5.04% yesterday.

Synchrony Financial shares are trading higher following Q1 earnings and a $1 billion share repurchase authorization.

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. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Open Lending 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.

Open Lending's stock has dropped -28.06% in the past year. It has underperformed other stocks in the credit service industry by -47 percentage points.

2. Navient (NASDAQ:NAVI)


Navient (NASDAQ:NAVI) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Navient 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.

Navient's stock has dropped -1.29% in the past year. It has underperformed other stocks in the credit service industry by -20 percentage points.

3. Capital One Financial (NYSE:COF)


Capital One Financial (NYSE:COF) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Capital One Financial has a valuation score of 71, which is 29 points higher than the credit service industry average of 42. It passed 5 out of 7 valuation due diligence checks.

Capital One Financial's stock has gained 54.53% 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?

37.84% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 0.47% 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 28.23x.
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.