Sectors & Industries Financial 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.

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 51st 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	$656.31M	73.20%	3.80%	N/A	8.10%	7.61	N/A	70.70%	6.90%	19.83%
PMTS	CPI CARD GROUP INC	$166.29M	-58.80%	3.80%	16.95%	10.40%	-24.26	2.44	31.30%	2.80%	9.95%
EZPW	EZCORP INC	$1.57B	12.50%	6.40%	10.72%	11.80%	0.86	6.03	58.60%	9.20%	14.42%
ENVA	ENOVA INTERNATIONAL INC	$3.40B	24.40%	5.20%	N/A	7.90%	3.84	N/A	58.10%	9.80%	23.49%
FCFS	FIRSTCASH HOLDINGS INC	$8.27B	15.20%	6.80%	11.63%	12.50%	1.33	4.55	50.30%	9.00%	15.54%
ATLC	ATLANTICUS HOLDINGS CORP	$782.82M	19.50%	2.10%	N/A	1.70%	11.47	N/A	100.00%	20.10%	28.95%
BFH	BREAD FINANCIAL HOLDINGS INC	$3.23B	16.10%	2.30%	N/A	2.80%	5.81	N/A	100.00%	19.90%	23.51%
RM	REGIONAL MANAGEMENT CORP	$303.05M	12.10%	2.20%	N/A	4.20%	4.64	N/A	100.00%	6.90%	22.09%
MA	MASTERCARD INC	$442.31B	198.50%	28.90%	61.47%	81.50%	6.00	1.04	100.00%	45.60%	58.86%
MFIN	MEDALLION FINANCIAL CORP	$201.42M	10.00%	1.40%	N/A	2.40%	5.99	N/A	100.00%	23.90%	40.95%
V	VISA INC	$556.85B	54.20%	21.40%	38.76%	113.90%	1.50	1.11	83.30%	50.20%	61.18%
OPRT	OPORTUN FINANCIAL CORP	$205.15M	6.70%	0.80%	N/A	0.80%	7.35	N/A	100.00%	6.20%	10.86%
LC	LENDINGCLUB CORP	$1.65B	9.50%	1.20%	N/A	1.80%	6.71	N/A	100.00%	13.60%	17.72%
JCAP	JEFFERSON CAPITAL INC	$1.06B	42.70%	10.20%	N/A	10.90%	3.38	N/A	100.00%	30.60%	52.87%
SYF	SYNCHRONY FINANCIAL	$23.64B	20.60%	2.90%	N/A	3.90%	6.10	N/A	100.00%	35.60%	46.51%
FINV	FINVOLUTION GROUP	$1.19B	15.80%	10.00%	N/A	16.00%	0.52	N/A	78.60%	18.70%	22.84%
PRAA	PRA GROUP INC	$672.93M	-27.30%	-5.90%	N/A	-0.10%	4.15	N/A	100.00%	-25.40%	-0.55%
OMF	ONEMAIN HOLDINGS INC	$6.27B	23.40%	2.90%	N/A	2.20%	7.05	N/A	93.20%	26.90%	34.45%
IX	ORIX CORP	$33.30B	10.90%	2.70%	N/A	3.80%	2.92	N/A	43.10%	15.00%	27.11%
UPST	UPSTART HOLDINGS INC	$2.52B	7.30%	2.00%	N/A	1.60%	2.72	N/A	100.00%	5.10%	5.20%
COF	CAPITAL ONE FINANCIAL CORP	$113.46B	2.20%	0.40%	N/A	0.50%	4.89	N/A	100.00%	6.70%	8.07%
SLM	SLM CORP	$4.24B	30.50%	2.50%	N/A	3.10%	11.14	N/A	100.00%	44.10%	60.09%
AXP	AMERICAN EXPRESS CO	$207.69B	33.50%	3.70%	N/A	4.60%	7.96	N/A	100.00%	16.20%	20.60%
XYF	X FINANCIAL	$161.36M	18.90%	10.60%	N/A	11.90%	0.87	N/A	44.70%	19.20%	23.13%
SEZL	SEZZLE INC	$2.14B	91.60%	37.60%	56.98%	64.30%	1.36	3.92	85.40%	29.60%	39.29%
ALLY	ALLY FINANCIAL INC	$12.13B	5.00%	0.40%	N/A	0.50%	11.65	N/A	92.20%	9.40%	11.89%
YRD	YIREN DIGITAL LTD	$149.89M	0.40%	0.30%	N/A	-0.60%	0.45	N/A	86.30%	0.70%	-1.02%
NNI	NELNET INC	$4.63B	12.00%	3.10%	N/A	2.70%	2.85	N/A	81.00%	25.50%	33.13%
LX	LEXINFINTECH HOLDINGS LTD	$366.50M	14.40%	7.30%	15.56%	16.10%	0.94	1.89	34.00%	12.80%	15.95%
QFIN	QFIN HOLDINGS INC	$1.66B	25.10%	10.20%	20.20%	20.50%	1.36	2.43	81.50%	31.20%	38.48%
CACC	CREDIT ACCEPTANCE CORP	$4.55B	26.60%	4.80%	N/A	7.00%	4.67	N/A	70.30%	18.30%	44.38%
BBDC	BARINGS BDC INC	$861.74M	8.70%	3.70%	N/A	2.50%	1.27	N/A	57.60%	36.50%	37.89%
HTT	HIGH TEMPLAR TECH LTD	$306.42M	6.10%	5.40%	6.36%	11.70%	0.17	5.74	7.10%	1,729.90%	1,804.76%
LPRO	OPEN LENDING CORP	$147.10M	-5.50%	-1.50%	2.29%	3.40%	2.16	4.52	76.90%	-4.50%	4.61%
PYPL	PAYPAL HOLDINGS INC	$41.64B	25.90%	6.50%	18.65%	23.70%	2.96	1.29	41.50%	15.80%	18.97%
SOFI	SOFI TECHNOLOGIES INC	$20.25B	5.90%	1.10%	N/A	1.30%	3.83	N/A	83.10%	13.30%	14.55%
WU	WESTERN UNION CO	$2.74B	53.90%	6.20%	N/A	10.50%	7.67	N/A	37.00%	12.30%	18.98%
OBDC	BLUE OWL CAPITAL CORP	$5.52B	8.20%	3.60%	N/A	4.60%	1.32	N/A	77.60%	33.90%	66.88%
GDOT	GREEN DOT CORP	$623.47M	-10.80%	-1.70%	-9.53%	8.20%	5.72	0.53	40.90%	-4.80%	-4.38%
WRLD	WORLD ACCEPTANCE CORP	$666.68M	10.80%	4.00%	N/A	6.20%	2.25	N/A	100.00%	7.50%	17.84%
NAVI	NAVIENT CORP	$777.83M	-2.10%	-0.20%	N/A	-0.10%	5.81	N/A	100.00%	-24.20%	-33.64%
BRR	PROCAP FINANCIAL INC	$176.02M	-27.60%	-13.00%	-4.47%	-12.60%	0.52	87.21	100.00%	-34,132.80%	-33,504.52%
RWAY	RUNWAY GROWTH FINANCE CORP	$248.24M	6.90%	3.40%	N/A	5.30%	0.98	N/A	78.00%	24.80%	56.51%
LU	LUFAX HOLDING LTD	$1.62B	-4.60%	-1.80%	N/A	-1.10%	1.47	N/A	100.00%	-15.80%	-9.22%
FOA	FINANCE OF AMERICA COMPANIES INC	$141.96M	14.70%	0.10%	N/A	0.10%	93.67	N/A	100.00%	9.10%	9.80%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.61B	11.30%	0.50%	N/A	0.40%	19.58	N/A	100.00%	48.60%	68.10%
OCSL	OAKTREE SPECIALTY LENDING CORP	$995.37M	2.20%	1.10%	N/A	3.30%	1.16	N/A	88.10%	10.60%	47.54%
SUIG	SUI GROUP HOLDINGS LTD	$92.93M	-172.40%	-160.60%	-148.73%	-190.40%	0.12	2.39	100.00%	-6,796.10%	-6,776.98%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$168.21M	6.30%	0.50%	N/A	3.70%	11.46	N/A	78.00%	4.40%	59.85%
ANTA	ANTALPHA PLATFORM HOLDING CO	$179.24M	19.60%	0.90%	1.26%	1.20%	18.42	1.16	49.10%	23.20%	26.14%
JF	J & FRIENDS HOLDINGS LTD	$14.80M	N/A	-11.30%	3.44%	3.20%	-1.16	0.18	64.00%	-33.50%	-38.29%
DXF	EASON TECHNOLOGY LTD	$240.87M	N/A	-283.40%	-1,780.86%	-1,468.40%	1.53	0.57	77.70%	-4,077.00%	-4,056.14%
SNTG	SENTAGE HOLDINGS INC	$4.97M	-16.40%	-14.40%	-15.49%	-16.50%	0.18	5.86	92.50%	-1,560.30%	-1,560.26%
AIOS	AIOS TECH INC	$2.82M	-42.90%	-29.60%	-48.24%	-49.60%	0.61	2.69	-667.40%	-31.20%	-29.86%
LMFA	LM FUNDING AMERICA INC	$3.05M	-33.20%	-27.40%	-12.27%	-14.60%	0.23	1.84	37.80%	-147.70%	-72.86%
AIHS	SENMIAO TECHNOLOGY LTD	$5.65M	N/A	-67.40%	-95.20%	800.90%	4.90	2.24	28.10%	-120.90%	-120.77%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Apr 2026?

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: A, Growth: B, Momentum: D, Sentiment: C, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 47, which is 12 points higher than the credit service industry average of 35.

OPFI passed 18 out of 38 due diligence checks and has strong fundamentals. Oppfi has seen its stock lose -17.1% over the past year, underperforming other credit service stocks by -13 percentage points.

2. Cpi Card Group (NASDAQ:PMTS)

Cpi Card Group (NASDAQ:PMTS) 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 Cpi Card Group (NASDAQ:PMTS) is: Value: A, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: C.

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 32, which is -3 points lower than the credit service industry average of 35. Although this number is below the industry average, our proven quant model rates PMTS as a "A".

PMTS passed 12 out of 38 due diligence checks and has average fundamentals. Cpi Card Group has seen its stock lose -50.26% over the past year, underperforming other credit service stocks by -46 percentage points.

Cpi Card Group has an average 1 year price target of $27.67, an upside of 90.68% from Cpi Card Group's current stock price of $14.51.

Cpi Card Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 3 analysts covering Cpi Card 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.

3. Ezcorp (NASDAQ:EZPW)

Ezcorp (NASDAQ:EZPW) 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 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 48, which is 13 points higher than the credit service industry average of 35.

EZPW passed 15 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 72.42% over the past year, overperforming other credit service stocks by 76 percentage points.

Ezcorp has an average 1 year price target of $26.67, an upside of 5.07% from Ezcorp's current stock price of $25.38.

Ezcorp stock has a consensus Buy recommendation according to Wall Street analysts. Of the 3 analysts covering Ezcorp, 33.33% have issued a Strong Buy rating, 33.33% 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 23 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

1. Runway Growth Finance (NASDAQ:RWAY)

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 19.94%, which is 14 percentage points higher than the credit service industry average of 6.04%. 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 186% indicates that its high dividend yield might not be sustainable for the long-term.

2. Oaktree Specialty Lending (NASDAQ:OCSL)

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 14.34%, which is 8 percentage points higher than the credit service industry average of 6.04%. 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 469.4% indicates that its high dividend yield might not be sustainable for the long-term.

3. Barings Bdc (NYSE:BBDC)

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 13.85%, which is 8 percentage points higher than the credit service industry average of 6.04%. 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 122.7% 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 1.43% in the last day, and down -1.3% 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. Cpi Card Group (NASDAQ:PMTS)

Cpi Card Group (NASDAQ:PMTS) 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.

Cpi Card Group has a valuation score of 86, which is 41 points higher than the credit service industry average of 45. It passed 6 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -50.26% in the past year. It has underperformed other stocks in the credit service industry by -46 percentage points.

2. Qfin Holdings (NASDAQ:QFIN)

Qfin Holdings (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.

Qfin Holdings has a valuation score of 71, which is 26 points higher than the credit service industry average of 45. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -71.25% in the past year. It has underperformed other stocks in the credit service industry by -67 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 26 points higher than the credit service industry average of 45. It passed 5 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -78.39% in the past year. It has underperformed other stocks in the credit service industry by -75 percentage points.

Are credit service stocks a good buy now?

40.54% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 30.01% over the next year.

6.25% of credit service stocks have a Zen Rating of A (Strong Buy), 12.5% of credit service stocks are rated B (Buy), 72.92% are rated C (Hold), 6.25% are rated D (Sell), and 2.08% 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 26.75x.

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 (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.

Credit Service Stocks FAQ

1. Oppfi (NYSE:OPFI)

2. Cpi Card Group (NASDAQ:PMTS)

3. Ezcorp (NASDAQ:EZPW)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Cpi Card Group (NASDAQ:PMTS)

2. Qfin Holdings (NASDAQ:QFIN)

3. Lexinfintech Holdings (NASDAQ:LX)

Company

Stock Tools

Stock Ideas

Sectors & IndustriesFinancial ServicesCredit ServicesBest 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.

Credit Service Stocks FAQ

1. Oppfi (NYSE:OPFI)

2. Cpi Card Group (NASDAQ:PMTS)

3. Ezcorp (NASDAQ:EZPW)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Cpi Card Group (NASDAQ:PMTS)

2. Qfin Holdings (NASDAQ:QFIN)

3. Lexinfintech Holdings (NASDAQ:LX)

Company

Stock Tools

Stock Ideas

Sectors & Industries Financial 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.