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:

Finvolution Group (NYSE:FINV) is the #1 top credit service stock out of 57 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 Finvolution Group (NYSE:FINV) is: Value: B, Growth: C, Momentum: A, Sentiment: B, Safety: A, Financials: B, and AI: A.

Finvolution Group (NYSE:FINV) has a Due Diligence Score of 27, which is -6 points lower than the credit service industry average of 33. Although this number is below the industry average, our proven quant model rates FINV as a "A".

FINV passed 10 out of 38 due diligence checks and has average fundamentals. Finvolution Group has seen its stock return 85.11% over the past year, overperforming other credit service stocks by 59 percentage points.

Finvolution Group has an average 1 year price target of $11.55, an upside of 32.76% from Finvolution Group's current stock price of $8.70.

Finvolution Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Finvolution Group, 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.

Oppfi (NYSE:OPFI) is the #2 top credit service stock out of 57 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: A, Momentum: B, Sentiment: C, Safety: A, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 22, which is -11 points lower than the credit service industry average of 33. 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 274.54% over the past year, overperforming other credit service stocks by 248 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 10.57% from Oppfi's current stock price of $12.21.

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.

Enova International (NYSE:ENVA) is the #3 top credit service stock out of 57 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: A.

Enova International (NYSE:ENVA) has a Due Diligence Score of 54, which is 21 points higher than the credit service industry average of 33.

ENVA passed 18 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 58.06% over the past year, overperforming other credit service stocks by 32 percentage points.

Enova International has an average 1 year price target of $132.40, an upside of 41.88% from Enova International's current stock price of $93.32.

Enova International stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Enova International, 60% have issued a Strong Buy rating, 40% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

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:

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 11.08%, which is 8 percentage points higher than the credit service industry average of 3.58%.

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 10.94%, which is 7 percentage points higher than the credit service industry average of 3.58%. 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 1,514.3% indicates that its high dividend yield might not be sustainable for the long-term.

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 9.16%, which is 6 percentage points higher than the credit service industry average of 3.58%. 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 117.2% indicates that its high dividend yield might not be sustainable for the long-term.

Credit service stocks were down -2.7% in the last day, and down -2.61% over the last week. PayPal was the among the top losers in the credit services industry, dropping -5.32% yesterday.

Shares of credit card and payments companies are trading lower following a WSJ report suggesting Walmart and Amazon are exploring issuing their own stablecoins.

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:

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 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 -30.74% in the past year. It has underperformed other stocks in the credit service industry by -57 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 71, which is 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 26.01% in the past year. It has performed in line with other stocks in the credit service industry.

Orix (NYSE:IX) 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.

Orix has a valuation score of 14, which is -26 points higher than the credit service industry average of 40. It passed 1 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates IX a Valuation Rating of "A".

Orix's stock has gained 0.48% in the past year. It has underperformed other stocks in the credit service industry by -26 percentage points.

37.84% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 10.11% over the next year.

18% of credit service stocks have a Zen Rating of A (Strong Buy), 16% of credit service stocks are rated B (Buy), 58% are rated C (Hold), 4% are rated D (Sell), and 4% are rated F (Strong Sell).