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 A and is the 22nd 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	$917.56M	-35.50%	-1.60%	N/A	4.60%	17.89	N/A	69.00%	-2.80%	11.27%
RM	REGIONAL MANAGEMENT CORP	$377.07M	9.70%	1.80%	N/A	3.90%	4.42	N/A	100.00%	5.70%	20.43%
ENVA	ENOVA INTERNATIONAL INC	$2.75B	21.30%	4.80%	N/A	7.60%	3.66	N/A	100.00%	15.20%	38.20%
OPRT	OPORTUN FINANCIAL CORP	$232.13M	-12.10%	-1.30%	N/A	-1.20%	7.81	N/A	100.00%	-13.20%	-22.23%
EZPW	EZCORP INC	$968.25M	11.30%	5.90%	9.05%	10.90%	0.90	6.31	58.70%	8.00%	12.57%
FINV	FINVOLUTION GROUP	$2.23B	17.60%	11.20%	N/A	19.40%	0.56	N/A	81.60%	19.40%	23.06%
NNI	NELNET INC	$4.65B	9.70%	2.40%	N/A	2.00%	2.86	N/A	77.80%	20.40%	26.58%
IX	ORIX CORP	$29.82B	9.20%	2.20%	N/A	3.10%	3.08	N/A	43.20%	12.70%	23.22%
ATLC	ATLANTICUS HOLDINGS CORP	$940.10M	19.90%	3.10%	N/A	2.90%	5.08	N/A	100.00%	22.40%	34.70%
XYF	X FINANCIAL	$591.69M	23.40%	13.80%	N/A	16.40%	0.63	N/A	42.00%	24.80%	31.68%
QFIN	QIFU TECHNOLOGY INC	$4.48B	29.80%	14.00%	21.92%	33.50%	1.41	3.08	80.60%	39.00%	48.59%
BFH	BREAD FINANCIAL HOLDINGS INC	$2.87B	9.20%	1.30%	N/A	1.70%	5.89	N/A	100.00%	11.70%	15.46%
MFIN	MEDALLION FINANCIAL CORP	$241.53M	11.10%	1.50%	N/A	2.30%	6.02	N/A	100.00%	27.70%	43.23%
OMF	ONEMAIN HOLDINGS INC	$6.95B	20.40%	2.50%	N/A	1.90%	7.01	N/A	92.80%	24.40%	31.71%
PYPL	PAYPAL HOLDINGS INC	$66.28B	23.10%	5.70%	16.85%	22.20%	2.95	1.33	41.70%	14.50%	18.13%
MA	MASTERCARD INC	$527.73B	191.00%	27.80%	53.02%	73.00%	5.55	1.16	100.00%	44.90%	56.81%
GDOT	GREEN DOT CORP	$763.87M	-2.60%	-0.40%	-2.40%	2.10%	5.06	0.69	44.90%	-1.20%	-1.24%
FCFS	FIRSTCASH HOLDINGS INC	$6.18B	14.10%	6.60%	11.83%	12.30%	1.11	4.21	49.40%	8.60%	14.62%
SYF	SYNCHRONY FINANCIAL	$27.10B	19.40%	2.70%	N/A	3.60%	6.11	N/A	100.00%	34.90%	45.26%
LX	LEXINFINTECH HOLDINGS LTD	$1.12B	12.50%	5.90%	12.89%	13.10%	1.02	1.85	35.90%	9.40%	11.66%
UPST	UPSTART HOLDINGS INC	$6.14B	-1.00%	-0.30%	N/A	-0.20%	2.43	N/A	100.00%	-0.70%	-0.72%
ALLY	ALLY FINANCIAL INC	$11.97B	1.60%	0.10%	N/A	0.20%	12.03	N/A	92.10%	3.00%	5.74%
OBDC	BLUE OWL CAPITAL CORP	$7.31B	9.80%	4.20%	N/A	5.10%	1.27	N/A	77.80%	38.30%	69.66%
YRD	YIREN DIGITAL LTD	$509.76M	14.30%	10.60%	N/A	17.30%	0.36	N/A	85.40%	22.50%	23.61%
SEZL	SEZZLE INC	$3.11B	103.30%	34.90%	52.81%	66.60%	1.69	3.51	84.30%	28.10%	37.17%
PMTS	CPI CARD GROUP INC	$177.35M	-49.40%	5.50%	20.63%	12.60%	-12.84	2.95	34.70%	3.80%	12.04%
COF	CAPITAL ONE FINANCIAL CORP	$141.38B	-0.40%	-0.10%	N/A	-0.10%	4.94	N/A	100.00%	-1.30%	-2.22%
AXP	AMERICAN EXPRESS CO	$214.14B	32.90%	3.60%	N/A	4.50%	8.15	N/A	100.00%	16.00%	20.24%
LU	LUFAX HOLDING LTD	$2.47B	-3.90%	-1.50%	N/A	-0.80%	1.42	N/A	100.00%	-13.30%	-7.07%
V	VISA INC	$642.71B	52.60%	21.40%	37.96%	103.40%	1.59	1.12	82.40%	52.20%	64.02%
SOFI	SOFI TECHNOLOGIES INC	$27.89B	8.60%	1.50%	N/A	0.90%	4.99	N/A	82.40%	18.40%	10.33%
LC	LENDINGCLUB CORP	$1.78B	5.40%	0.70%	N/A	1.00%	6.66	N/A	100.00%	8.40%	11.16%
JCAP	JEFFERSON CAPITAL INC	$1.10B	N/A	N/A	N/A	N/A	3.30	N/A	N/A	N/A	N/A
LPRO	OPEN LENDING CORP	$244.62M	-123.60%	-43.70%	-25.59%	-38.00%	2.76	5.67	-47.60%	-869.60%	-392.88%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.20B	3.10%	1.50%	N/A	3.70%	1.01	N/A	88.20%	13.80%	50.41%
BMHL	BLUEMOUNT HOLDINGS LTD	N/A	N/A	N/A	N/A	N/A	2.31	1.42	N/A	N/A	N/A
PRAA	PRA GROUP INC	$645.11M	7.50%	1.80%	N/A	4.60%	3.02	N/A	100.00%	8.10%	32.36%
RWAY	RUNWAY GROWTH FINANCE CORP	$408.58M	12.50%	5.90%	N/A	6.70%	1.05	N/A	78.90%	45.30%	76.83%
GRAN	GRANDE GROUP LTD	$134.21M	96.30%	36.90%	90.82%	-457.00%	1.22	1.36	76.50%	37.30%	44.10%
BBDC	BARINGS BDC INC	$1.02B	8.40%	3.70%	N/A	2.50%	1.38	N/A	57.80%	35.70%	37.13%
QD	QUDIAN INC	$689.63M	4.60%	4.20%	5.26%	8.80%	0.10	9.13	7.80%	386.30%	447.74%
WRLD	WORLD ACCEPTANCE CORP	$929.32M	18.90%	7.70%	N/A	9.00%	1.39	N/A	100.00%	14.30%	25.29%
CACC	CREDIT ACCEPTANCE CORP	$5.37B	25.50%	4.80%	N/A	7.00%	4.61	N/A	68.50%	18.70%	44.61%
CHYM	CHIME FINANCIAL INC	$10.87B	N/A	N/A	N/A	N/A	0.33	4.83	N/A	N/A	N/A
ANTA	ANTALPHA PLATFORM HOLDING CO	$277.43M	N/A	N/A	N/A	N/A	18.26	1.05	N/A	N/A	N/A
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$2.06B	11.90%	0.60%	N/A	0.40%	19.85	N/A	100.00%	49.20%	70.11%
FOA	FINANCE OF AMERICA COMPANIES INC	$309.33M	30.40%	0.30%	N/A	0.20%	91.23	N/A	100.00%	17.10%	18.12%
WU	WESTERN UNION CO	$2.67B	104.10%	11.10%	N/A	10.00%	8.04	N/A	37.20%	21.80%	17.60%
NCDL	NUVEEN CHURCHILL DIRECT LENDING CORP	$798.09M	10.30%	4.60%	N/A	3.00%	1.34	N/A	53.30%	43.30%	43.67%
NAVI	NAVIENT CORP	$1.31B	0.90%	0.10%	N/A	0.10%	18.59	N/A	100.00%	4.40%	6.56%
SLM	SLM CORP	$6.88B	18.80%	1.40%	N/A	1.80%	11.46	N/A	100.00%	35.20%	46.68%
LMFA	LM FUNDING AMERICA INC	$12.37M	-63.90%	-54.60%	-36.61%	-37.20%	0.29	5.25	31.80%	-243.50%	-157.83%
CRCL	CIRCLE INTERNET GROUP INC	$31.94B	N/A	N/A	N/A	N/A	26.06	1.03	N/A	N/A	N/A
DXF	EASON TECHNOLOGY LTD	$940.91M	-400.80%	-107.50%	928.48%	-733.70%	-6.54	0.61	100.00%	124.50%	124.48%
OMCC	OLD MARKET CAPITAL CORP	$37.25M	-9.70%	-6.30%	-6.80%	-18.10%	0.20	9.45	65.90%	-55.00%	-54.30%
AIHS	SENMIAO TECHNOLOGY LTD	$2.48M	N/A	-47.30%	-636.81%	-223.50%	-1.83	0.43	25.10%	-109.90%	-109.47%
MCVT	MILL CITY VENTURES III LTD	$43.47M	6.30%	6.20%	N/A	10.00%	0.01	N/A	100.00%	38.10%	49.47%
PT	PINTEC TECHNOLOGY HOLDINGS LTD	$14.92M	N/A	-14.30%	3.82%	3.60%	-1.18	0.19	63.50%	-44.00%	-42.35%
SNTG	SENTAGE HOLDINGS INC	$4.71M	-17.90%	-16.30%	-17.64%	-19.60%	0.14	7.45	92.50%	-1,864.80%	-1,864.84%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$186.46M	6.60%	0.50%	N/A	3.70%	11.42	N/A	76.90%	4.60%	57.79%
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$17.43M	2.90%	2.00%	4.87%	8.90%	0.29	4.23	9.10%	1.70%	3.03%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Aug 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 61 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: B, Safety: A, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 22, which is -8 points lower than the credit service industry average of 30. Although this number is below the industry average, our proven quant model rates OPFI as a "A".

OPFI passed 9 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock return 137% over the past year, overperforming other credit service stocks by 109 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 27.72% from Oppfi's current stock price of $10.57.

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.

2. Regional Management (NYSE:RM)

Regional Management (NYSE:RM) is the #2 top credit service stock out of 61 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 Regional Management (NYSE:RM) is: Value: B, Growth: B, Momentum: C, Sentiment: C, Safety: A, Financials: B, and AI: B.

Regional Management (NYSE:RM) has a Due Diligence Score of 26, which is -4 points lower than the credit service industry average of 30. Although this number is below the industry average, our proven quant model rates RM as a "A".

RM passed 10 out of 38 due diligence checks and has average fundamentals. Regional Management has seen its stock return 29.26% over the past year, overperforming other credit service stocks by 1 percentage points.

Regional Management has an average 1 year price target of $30.00, a downside of -22.04% from Regional Management's current stock price of $38.48.

Regional Management stock has a consensus Hold recommendation according to Wall Street analysts. Of the 1 analyst covering Regional Management, 0% have issued a Strong Buy rating, 0% have issued a Buy, 100% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Enova International (NYSE:ENVA)

Enova International (NYSE:ENVA) is the #3 top credit service stock out of 61 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 Enova International (NYSE:ENVA) is: Value: B, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: B.

Enova International (NYSE:ENVA) has a Due Diligence Score of 46, which is 16 points higher than the credit service industry average of 30.

ENVA passed 16 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 37.12% over the past year, overperforming other credit service stocks by 9 percentage points.

Enova International has an average 1 year price target of $129.50, an upside of 17.63% from Enova International's current stock price of $110.09.

Enova International stock has a consensus Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Enova International, 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.

What are the credit service stocks with highest dividends?

Out of 22 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 14.62%, which is 11 percentage points higher than the credit service industry average of 3.99%. 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.

2. Barings Bdc (NYSE:BBDC)

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 11.8%, which is 8 percentage points higher than the credit service industry average of 3.99%. Barings Bdc's dividend payout is not stable, having dropped more than 10% three 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 120% indicates that its high dividend yield might not be sustainable for the long-term.

3. Blue Owl Capital (NYSE:OBDC)

Blue Owl Capital (NYSE:OBDC) has an annual dividend yield of 11.12%, which is 7 percentage points higher than the credit service industry average of 3.99%. Blue Owl Capital's dividend payout is not stable, having dropped more than 10% six times in the last 10 years. Blue Owl Capital's dividend has shown consistent growth over the last 10 years.

Blue Owl Capital's dividend payout ratio of 109.3% 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 -0.51% in the last day, and up 2.49% over the last week.

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

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. Western Union Co (NYSE:WU)

Western Union Co (NYSE:WU) 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.

Western Union Co has a valuation score of 43, which is 7 points higher than the credit service industry average of 36. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -28.37% in the past year. It has underperformed other stocks in the credit service industry by -56 percentage points.

2. Qifu Technology (NASDAQ:QFIN)

Qifu Technology (NASDAQ:QFIN) 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.

Qifu Technology has a valuation score of 71, which is 35 points higher than the credit service industry average of 36. It passed 5 out of 7 valuation due diligence checks.

Qifu Technology's stock has gained 40.51% in the past year. It has overperformed other stocks in the credit service industry by 13 percentage points.

3. Cpi Card Group (NASDAQ:PMTS)

Cpi Card Group (NASDAQ:PMTS) 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.

Cpi Card Group has a valuation score of 57, which is 21 points higher than the credit service industry average of 36. It passed 4 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -42.71% in the past year. It has underperformed other stocks in the credit service industry by -71 percentage points.

Are credit service stocks a good buy now?

39.02% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 12.6% over the next year.

20.37% of credit service stocks have a Zen Rating of A (Strong Buy), 14.81% of credit service stocks are rated B (Buy), 59.26% are rated C (Hold), 3.7% are rated D (Sell), and 1.85% 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 33.2x.

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. Regional Management (NYSE:RM)

3. Enova International (NYSE:ENVA)

1. Oaktree Specialty Lending (NASDAQ:OCSL)

2. Barings Bdc (NYSE:BBDC)

3. Blue Owl Capital (NYSE:OBDC)

1. Western Union Co (NYSE:WU)

2. Qifu Technology (NASDAQ:QFIN)

3. Cpi Card Group (NASDAQ:PMTS)

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. Regional Management (NYSE:RM)

3. Enova International (NYSE:ENVA)

1. Oaktree Specialty Lending (NASDAQ:OCSL)

2. Barings Bdc (NYSE:BBDC)

3. Blue Owl Capital (NYSE:OBDC)

1. Western Union Co (NYSE:WU)

2. Qifu Technology (NASDAQ:QFIN)

3. Cpi Card Group (NASDAQ:PMTS)

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.