Sectors & IndustriesFinancial ServicesCredit Services

Best Credit Service Stocks to Buy Now (2026)

Top credit service stocks in 2026 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 55 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: D, 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 lose -29.82% over the past year, underperforming other credit service stocks by -28 percentage points.

Bread Financial Holdings (NYSE:BFH) is the #2 top credit service stock out of 55 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 Bread Financial Holdings (NYSE:BFH) is: Value: A, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Bread Financial Holdings (NYSE:BFH) has a Due Diligence Score of 34, which is 2 points higher than the credit service industry average of 32.

BFH passed 12 out of 38 due diligence checks and has average fundamentals. Bread Financial Holdings has seen its stock return 14.74% over the past year, overperforming other credit service stocks by 16 percentage points.

Bread Financial Holdings has an average 1 year price target of $72.82, a downside of -0.29% from Bread Financial Holdings's current stock price of $73.03.

Bread Financial Holdings stock has a consensus Sell recommendation according to Wall Street analysts. Of the 11 analysts covering Bread Financial Holdings, 18.18% have issued a Strong Buy rating, 9.09% have issued a Buy, 27.27% have issued a hold, while 0% have issued a Sell rating, and 45.45% have issued a Strong Sell.

Regional Management (NYSE:RM) is the #3 top credit service stock out of 55 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: C, Momentum: C, Sentiment: C, Safety: B, Financials: C, and AI: A.

Regional Management (NYSE:RM) has a Due Diligence Score of 44, which is 12 points higher than the credit service industry average of 32.

RM passed 15 out of 38 due diligence checks and has strong fundamentals. Regional Management has seen its stock lose -1.66% over the past year.

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:

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 15.1%, which is 10 percentage points higher than the credit service industry average of 5.05%. 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.

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.55%, which is 9 percentage points higher than the credit service industry average of 5.05%. 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.

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 13.05%, which is 8 percentage points higher than the credit service industry average of 5.05%. 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 not shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 124% indicates that its high dividend yield might not be sustainable for the long-term.

Credit service stocks were up 2.01% in the last day, and down -1.91% over the last week. Mastercard was the among the top gainers in the credit services industry, gaining 4.29% yesterday.

Mastercard shares are trading higher after the company reported better-than-expected Q4 financial results.

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 -61.18% in the past year. It has underperformed other stocks in the credit service industry by -60 percentage points.

Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings 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.

Bread Financial Holdings's stock has gained 14.74% in the past year. It has overperformed other stocks in the credit service industry by 16 percentage points.

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

Cpi Card Group's stock has dropped -55.69% in the past year. It has underperformed other stocks in the credit service industry by -54 percentage points.

36.84% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 17.48% over the next year.

6.52% of credit service stocks have a Zen Rating of A (Strong Buy), 13.04% of credit service stocks are rated B (Buy), 73.91% are rated C (Hold), 6.52% are rated D (Sell), and 0% are rated F (Strong Sell).