Sectors & Industries Financial 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.

Industry: Credit Services

Overview Zen Rating Price Value Growth Financials

Momentum Sentiment Forecast Dividends Due Diligence

Credit Services is Zen Rated B and is the 32nd ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	ROE	ROA	ROCE	ROIC	D/E	Current Ratio	Gross Margin	Profit Margin	Operating Margin
OPFI	OPPFI INC	$854.99M	13.10%	0.60%	N/A	6.00%	8.97	N/A	70.60%	1.00%	14.34%
EZPW	EZCORP INC	$1.17B	11.90%	6.10%	9.70%	11.20%	0.90	5.61	58.50%	8.60%	13.33%
FCFS	FIRSTCASH HOLDINGS INC	$6.99B	14.70%	6.70%	10.94%	12.30%	1.36	4.99	50.00%	8.90%	15.13%
RM	REGIONAL MANAGEMENT CORP	$369.48M	11.40%	2.10%	N/A	4.10%	4.45	N/A	100.00%	6.60%	21.62%
ENVA	ENOVA INTERNATIONAL INC	$3.25B	23.90%	5.20%	N/A	8.00%	3.65	N/A	57.20%	9.60%	23.24%
BFH	BREAD FINANCIAL HOLDINGS INC	$3.09B	15.00%	2.10%	N/A	2.40%	5.55	N/A	100.00%	18.80%	21.36%
IX	ORIX CORP	$31.81B	10.50%	2.60%	N/A	3.60%	2.94	N/A	42.40%	14.50%	26.01%
COF	CAPITAL ONE FINANCIAL CORP	$139.27B	1.30%	0.20%	N/A	0.30%	4.82	N/A	100.00%	3.80%	5.64%
OPRT	OPORTUN FINANCIAL CORP	$228.15M	8.30%	1.00%	N/A	0.70%	7.30	N/A	100.00%	7.50%	10.13%
PYPL	PAYPAL HOLDINGS INC	$58.66B	24.30%	6.10%	17.42%	22.70%	2.95	1.34	41.60%	15.00%	18.49%
SEZL	SEZZLE INC	$2.11B	92.80%	35.30%	55.92%	64.90%	1.36	3.52	84.90%	27.70%	36.50%
MA	MASTERCARD INC	$494.37B	197.10%	28.30%	56.26%	77.80%	5.74	1.12	100.00%	45.30%	58.27%
SYF	SYNCHRONY FINANCIAL	$27.86B	20.80%	2.90%	N/A	4.00%	5.86	N/A	100.00%	36.20%	47.27%
JCAP	JEFFERSON CAPITAL INC	$1.22B	N/A	N/A	N/A	N/A	3.12	N/A	N/A	N/A	N/A
ALLY	ALLY FINANCIAL INC	$12.72B	1.90%	0.10%	N/A	0.40%	11.68	N/A	92.10%	3.50%	9.25%
OMF	ONEMAIN HOLDINGS INC	$7.30B	21.40%	2.70%	N/A	2.00%	6.99	N/A	92.90%	25.10%	32.62%
ATLC	ATLANTICUS HOLDINGS CORP	$892.59M	19.30%	2.40%	N/A	2.10%	10.95	N/A	100.00%	21.10%	31.03%
XYF	X FINANCIAL	$269.34M	23.90%	13.70%	N/A	16.10%	0.85	N/A	43.60%	22.80%	28.56%
LX	LEXINFINTECH HOLDINGS LTD	$560.11M	16.10%	8.10%	17.58%	17.40%	0.95	1.80	36.00%	13.30%	16.40%
AXP	AMERICAN EXPRESS CO	$251.62B	33.40%	3.70%	N/A	4.60%	8.18	N/A	100.00%	16.10%	20.62%
MFIN	MEDALLION FINANCIAL CORP	$231.40M	10.70%	1.40%	N/A	2.30%	6.05	N/A	100.00%	26.00%	41.92%
PMTS	CPI CARD GROUP INC	$153.85M	-47.90%	3.80%	16.00%	10.20%	-16.86	2.56	31.90%	2.80%	10.08%
FINV	FINVOLUTION GROUP	$1.25B	17.80%	11.20%	N/A	18.40%	0.58	N/A	80.60%	20.00%	24.28%
NNI	NELNET INC	$4.64B	12.40%	3.10%	N/A	2.70%	2.82	N/A	79.20%	24.70%	32.46%
LC	LENDINGCLUB CORP	$2.09B	7.50%	1.00%	N/A	1.40%	6.57	N/A	100.00%	10.90%	14.54%
BBDC	BARINGS BDC INC	$962.20M	8.60%	3.70%	N/A	2.50%	1.42	N/A	58.30%	36.00%	37.58%
YRD	YIREN DIGITAL LTD	$391.90M	12.70%	8.90%	N/A	13.30%	0.49	N/A	88.20%	20.20%	21.01%
SLM	SLM CORP	$5.95B	26.20%	2.10%	N/A	2.50%	11.65	N/A	100.00%	41.60%	55.37%
QD	QUDIAN INC	$777.62M	7.00%	6.20%	7.02%	12.80%	0.17	5.83	7.20%	894.50%	931.73%
V	VISA INC	$618.40B	52.50%	20.90%	38.38%	109.50%	1.63	1.08	82.60%	50.10%	61.96%
WU	WESTERN UNION CO	$2.79B	83.00%	9.50%	N/A	10.40%	7.41	N/A	37.40%	18.80%	18.51%
UPST	UPSTART HOLDINGS INC	$4.37B	4.60%	1.30%	N/A	1.00%	2.91	N/A	100.00%	3.30%	3.36%
FOA	FINANCE OF AMERICA COMPANIES INC	$189.08M	-1.20%	0.00%	N/A	0.00%	106.97	N/A	100.00%	-1.10%	-0.77%
LU	LUFAX HOLDING LTD	$2.17B	-3.90%	-1.50%	N/A	-0.80%	1.42	N/A	100.00%	-13.30%	-7.07%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.22B	2.30%	1.10%	N/A	3.40%	1.05	N/A	88.50%	10.70%	47.67%
QFIN	QFIN HOLDINGS INC	$2.56B	28.80%	12.20%	19.21%	24.00%	1.53	2.94	82.00%	35.10%	41.70%
RWAY	RUNWAY GROWTH FINANCE CORP	$332.07M	10.90%	5.30%	N/A	6.60%	0.97	N/A	79.00%	38.90%	70.82%
SOFI	SOFI TECHNOLOGIES INC	$35.84B	8.90%	1.60%	N/A	1.00%	4.16	N/A	82.70%	19.30%	12.05%
CACC	CREDIT ACCEPTANCE CORP	$5.10B	27.50%	5.10%	N/A	7.30%	4.47	N/A	70.40%	19.70%	46.05%
GDOT	GREEN DOT CORP	$696.66M	-5.10%	-0.80%	-5.25%	4.40%	5.32	0.54	43.20%	-2.30%	-2.55%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.87B	12.30%	0.60%	N/A	0.40%	18.79	N/A	100.00%	50.50%	69.10%
WRLD	WORLD ACCEPTANCE CORP	$779.19M	13.70%	5.40%	N/A	7.30%	1.91	N/A	100.00%	10.00%	20.64%
OBDC	BLUE OWL CAPITAL CORP	$6.73B	9.20%	3.90%	N/A	4.90%	1.31	N/A	77.70%	36.90%	69.08%
LPRO	OPEN LENDING CORP	$225.74M	-194.20%	-50.80%	-31.02%	-52.90%	2.95	5.59	-36.70%	-887.10%	-437.24%
LMFA	LM FUNDING AMERICA INC	$12.10M	-33.20%	-27.40%	-12.27%	-14.60%	0.23	1.84	37.80%	-147.70%	-72.86%
SUIG	SUI GROUP HOLDINGS LTD	$166.14M	-37.20%	-35.30%	-14.84%	-58.10%	0.06	3.09	100.00%	-1,197.90%	-1,665.41%
PRAA	PRA GROUP INC	$632.05M	-29.70%	-6.70%	N/A	-0.50%	4.32	N/A	100.00%	-29.50%	-3.49%
NAVI	NAVIENT CORP	$1.21B	-1.30%	-0.10%	N/A	-0.10%	19.22	N/A	100.00%	-12.00%	-18.75%
SNTG	SENTAGE HOLDINGS INC	$6.54M	-17.90%	-16.30%	-17.64%	-19.60%	0.14	7.45	92.50%	-1,864.80%	-1,864.84%
DXF	EASON TECHNOLOGY LTD	$749.96M	N/A	-283.40%	-1,780.86%	-1,468.40%	1.53	0.57	77.70%	-4,077.00%	-4,056.14%
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$16.11M	2.90%	2.00%	4.87%	8.90%	0.29	4.23	9.10%	1.70%	3.03%
AIHS	SENMIAO TECHNOLOGY LTD	$4.14M	N/A	-53.30%	4,597.37%	3,716.40%	-1.52	0.44	27.30%	-88.60%	-88.39%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$182.53M	6.50%	0.50%	N/A	3.70%	11.39	N/A	77.80%	4.50%	58.88%
ANTA	ANTALPHA PLATFORM HOLDING CO	$228.72M	N/A	N/A	N/A	N/A	20.26	1.09	N/A	N/A	N/A
PT	PINTEC TECHNOLOGY HOLDINGS LTD	$15.76M	N/A	-11.30%	3.44%	3.20%	-1.16	0.18	64.00%	-33.50%	-38.29%
OMCC	OLD MARKET CAPITAL CORP	$34.22M	-5.00%	-3.40%	-3.34%	-6.40%	0.28	4.55	66.20%	-21.90%	-21.00%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Dec 2025?

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:

1. Oppfi (NYSE:OPFI)

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 21.32% over the past year, overperforming other credit service stocks by 18 percentage points.

2. Ezcorp (NASDAQ:EZPW)

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: C.

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 50.63% over the past year, overperforming other credit service stocks by 48 percentage points.

Ezcorp has an average 1 year price target of $25.50, an upside of 32.26% from Ezcorp's current stock price of $19.28.

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.

3. Firstcash Holdings (NASDAQ:FCFS)

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: C, 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 45.52% 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 13.21% from Firstcash Holdings's current stock price of $158.41.

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.

What are the credit service stocks with highest dividends?

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:

1. Ally Financial (NYSE:ALLY)

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 4.7%. 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.

2. Runway Growth Finance (NASDAQ:RWAY)

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 15.23%, which is 11 percentage points higher than the credit service industry average of 4.7%. 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.

3. Oaktree Specialty Lending (NASDAQ:OCSL)

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.33%, which is 9 percentage points higher than the credit service industry average of 4.7%. 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.

Why are credit service stocks up?

Credit service stocks were up 0.75% in the last day, and up 4.86% over the last week.

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

What are the most undervalued credit service stocks?

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:

1. Qfin Holdings (NASDAQ:QFIN)

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 -48.75% in the past year. It has underperformed other stocks in the credit service industry by -52 percentage points.

2. Western Union Co (NYSE:WU)

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 -20.16% in the past year. It has underperformed other stocks in the credit service industry by -23 percentage points.

3. Lexinfintech Holdings (NASDAQ:LX)

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 33 points higher than the credit service industry average of 38. It passed 5 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -35.11% in the past year. It has underperformed other stocks in the credit service industry by -38 percentage points.

Are credit service stocks a good buy now?

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 15.65% over the next year.

6.25% of credit service stocks have a Zen Rating of A (Strong Buy), 16.67% of credit service stocks are rated B (Buy), 75% are rated C (Hold), 2.08% are rated D (Sell), and 0% are rated F (Strong Sell).

What is the average p/e ratio of the credit services industry?

The average P/E ratio of the credit services industry is 34.97x.

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.

Sectors & Industries Financial 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.

Credit Service Stocks FAQ

1. Oppfi (NYSE:OPFI)

2. Ezcorp (NASDAQ:EZPW)

3. Firstcash Holdings (NASDAQ:FCFS)

1. Ally Financial (NYSE:ALLY)

2. Runway Growth Finance (NASDAQ:RWAY)

3. Oaktree Specialty Lending (NASDAQ:OCSL)

1. Qfin Holdings (NASDAQ:QFIN)

2. Western Union Co (NYSE:WU)

3. Lexinfintech Holdings (NASDAQ:LX)

Company

Stock Tools

Stock Ideas

Sectors & IndustriesFinancial ServicesCredit ServicesBest 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.

Credit Service Stocks FAQ

1. Oppfi (NYSE:OPFI)

2. Ezcorp (NASDAQ:EZPW)

3. Firstcash Holdings (NASDAQ:FCFS)

1. Ally Financial (NYSE:ALLY)

2. Runway Growth Finance (NASDAQ:RWAY)

3. Oaktree Specialty Lending (NASDAQ:OCSL)

1. Qfin Holdings (NASDAQ:QFIN)

2. Western Union Co (NYSE:WU)

3. Lexinfintech Holdings (NASDAQ:LX)

Company

Stock Tools

Stock Ideas

Sectors & Industries Financial 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.