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Best Credit Service Stocks to Buy Now (2024)
Top credit service stocks in 2024 ranked by overall Zen Score. See the best credit service stocks to buy now, according to analyst forecasts for the credit services industry.

Industry: Credit Services
Ticker
Company
Exchange
Industry
Zen Score
Market Cap
Price
1d %
EBITDA
P/E
D/E
LPRO
OPEN LENDING CORP
NASDAQ
Credit Services
$735.85M$6.191.31%$41.30M34.39x0.82
QFIN
QIFU TECHNOLOGY INC
NASDAQ
Credit Services
$2.88B$18.20-1.67%N/A4.90x1.09
PYPL
PAYPAL HOLDINGS INC
NASDAQ
Credit Services
$71.35B$66.57-0.15%$6.48B17.29x2.90
MA
MASTERCARD INC
NYSE
Credit Services
$445.88B$477.950.24%$15.01B40.30x5.12
DFS
DISCOVER FINANCIAL SERVICES
NYSE
Credit Services
$32.07B$128.002.06%$4.20B11.36x9.22
NAVI
NAVIENT CORP
NASDAQ
Credit Services
$1.94B$17.220.94%$313.00M9.21x7.31
V
VISA INC
NYSE
Credit Services
$563.15B$279.02-0.56%$23.76B32.11x1.30
ATLC
ATLANTICUS HOLDINGS CORP
NASDAQ
Credit Services
$445.71M$30.506.42%$133.49M5.70x5.51
OMF
ONEMAIN HOLDINGS INC
NYSE
Credit Services
$6.05B$50.522.37%$1.10B9.48x6.63
COF
CAPITAL ONE FINANCIAL CORP
NYSE
Credit Services
$54.94B$144.512.61%$9.27B12.06x7.24
OCSL
OAKTREE SPECIALTY LENDING CORP
NASDAQ
Credit Services
$1.54B$19.500.46%$240.17M12.75x1.16
MFIN
MEDALLION FINANCIAL CORP
NASDAQ
Credit Services
$184.82M$7.871.29%$85.23M3.21x6.34
WU
WESTERN UNION CO
NYSE
Credit Services
$4.69B$13.710.29%$1.03B8.11x16.12
ALLY
ALLY FINANCIAL INC
NYSE
Credit Services
$12.10B$39.811.61%$2.22B13.27x13.27
SYF
SYNCHRONY FINANCIAL
NYSE
Credit Services
$17.20B$42.281.68%$3.32B8.12x7.45
SLM
SLM CORP
NASDAQ
Credit Services
$4.76B$21.602.18%$862.47M8.85x14.51
AXP
AMERICAN EXPRESS CO
NYSE
Credit Services
$164.86B$227.751.47%$12.16B20.28x8.31
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
NYSE
Credit Services
$2.12B$195.122.69%$253.10M12.22x19.91
ENVA
ENOVA INTERNATIONAL INC
NYSE
Credit Services
$1.75B$62.191.65%$460.18M10.89x2.70
LX
LEXINFINTECH HOLDINGS LTD
NASDAQ
Credit Services
$294.72M$1.79-2.19%N/A1.99x1.38
EZPW
EZCORP INC
NASDAQ
Credit Services
$612.21M$11.100.18%$169.30M12.20x0.91
BBDC
BARINGS BDC INC
NYSE
Credit Services
$973.70M$9.180.99%$129.69M7.65x1.24
BFH
BREAD FINANCIAL HOLDINGS INC
NYSE
Credit Services
$1.86B$37.621.76%$1.07B2.61x6.93
FINV
FINVOLUTION GROUP
NYSE
Credit Services
$1.32B$4.920.00%N/A4.17x0.54
IX
ORIX CORP
NYSE
Credit Services
$27.23B$110.26-0.17%$6.39B13.41x3.21
XYF
X FINANCIAL
NYSE
Credit Services
$172.70M$3.55-22.99%N/A1.03x0.99
NRDS
NERDWALLET INC
NASDAQ
Credit Services
$1.14B$14.740.68%$55.30M-98.27x0.14
FCFS
FIRSTCASH HOLDINGS INC
NASDAQ
Credit Services
$5.69B$126.211.91%$906.71M26.18x1.15
LC
LENDINGCLUB CORP
NYSE
Credit Services
$958.36M$8.682.97%$101.81M24.11x6.05
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
NASDAQ
Credit Services
$20.10M$5.106.03%$21.48M1.38x0.67
YRD
YIREN DIGITAL LTD
NYSE
Credit Services
$395.63M$4.51-3.63%N/A1.38x0.27
CPSS
CONSUMER PORTFOLIO SERVICES INC
NASDAQ
Credit Services
$166.72M$7.898.08%$208.58M3.64x9.57
RWAY
RUNWAY GROWTH FINANCE CORP
NASDAQ
Credit Services
$490.97M$12.120.17%$88.15M11.12x0.97
LMFA
LM FUNDING AMERICA INC
NASDAQ
Credit Services
$7.81M$3.2011.11%-$29.90M-0.21x0.07
SOFI
SOFI TECHNOLOGIES INC
NASDAQ
Credit Services
$7.19B$7.362.22%-$99.74M-20.44x4.68
SNTG
SENTAGE HOLDINGS INC
NASDAQ
Credit Services
$6.37M$2.272.25%-$2.63M-2.01x0.03
NNI
NELNET INC
NYSE
Credit Services
$3.46B$93.330.81%$261.56M38.09x4.14
WRLD
WORLD ACCEPTANCE CORP
NASDAQ
Credit Services
$881.09M$144.915.42%$146.91M12.30x1.75
RM
REGIONAL MANAGEMENT CORP
NYSE
Credit Services
$236.16M$24.201.51%$102.88M14.24x4.57
PMTS
CPI CARD GROUP INC
NASDAQ
Credit Services
$191.99M$16.844.40%$77.31M8.02x-6.66
LU
LUFAX HOLDING LTD
NYSE
Credit Services
$2.46B$4.29-0.69%N/A20.05x1.56
QD
QUDIAN INC
NYSE
Credit Services
$508.15M$2.491.22%N/A99.60x0.07
DXF
DUNXIN FINANCIAL HOLDINGS LTD
NYSEMKT
Credit Services
$6.79M$0.31-5.20%-$3.07M-2.25x1.08
OBDC
BLUE OWL CAPITAL CORP
NYSE
Credit Services
$5.95B$15.27-1.67%$1.25B7.52x1.24
CACC
CREDIT ACCEPTANCE CORP
NASDAQ
Credit Services
$6.79B$551.600.09%$660.70M24.97x3.34
UPST
UPSTART HOLDINGS INC
NASDAQ
Credit Services
$2.43B$28.175.98%-$215.12M-9.82x2.18
AIHS
SENMIAO TECHNOLOGY LTD
NASDAQ
Credit Services
$8.31M$0.87-7.55%-$2.07M-1.93x2.70
OPFI
OPPFI INC
NYSE
Credit Services
$276.19M$2.492.47%$60.81M-41.50x39.03
MCVT
MILL CITY VENTURES III LTD
NASDAQ
Credit Services
$16.67M$2.610.00%-$1.33M-12.43x0.01
GDOT
GREEN DOT CORP
NYSE
Credit Services
$484.98M$9.183.15%$100.63M70.62x4.61
OPRT
OPORTUN FINANCIAL CORP
NASDAQ
Credit Services
$83.63M$2.42-2.81%-$198.77M-0.50x7.44
PAPL
PINEAPPLE FINANCIAL INC
NYSEMKT
Credit Services
$10.13M$1.418.46%N/AN/A0.78
NICK
NICHOLAS FINANCIAL INC
NASDAQ
Credit Services
$49.56M$6.763.36%-$35.68M-1.35x0.02
PRAA
PRA GROUP INC
NASDAQ
Credit Services
$1.02B$26.043.13%$100.73M-12.23x2.82
FOA
FINANCE OF AMERICA COMPANIES INC
NYSE
Credit Services
$67.30M$0.702.50%-$36.16M-0.71x115.52
MDBH
MDB CAPITAL HOLDINGS LLC
NASDAQ
Credit Services
$91.10M$9.802.83%N/AN/A0.11
PT
PINTEC TECHNOLOGY HOLDINGS LTD
NASDAQ
Credit Services
$17.81M$1.100.46%N/A-1.01x-0.71
GRYP
GRYPHON DIGITAL MINING INC
NASDAQ
Credit Services
$702.26k$1.37-0.72%-$30.16M-0.01x-1.45
FUFU
BITFUFU INC
NASDAQ
Credit Services
$21.76M$4.97-0.40%$1.67M-13.43x-1.04
BCG
BINAH CAPITAL GROUP INC
NASDAQ
Credit Services
N/A$9.50N/AN/AN/A9.91

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Mar 2024?

According to Zen Score, the 3 best credit service stocks to buy right now are:

1. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the top credit service stock with a Zen Score of 60, which is 30 points higher than the credit service industry average of 30. It passed 19 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -11.44% over the past year, underperforming other credit service stocks by -40 percentage points.

Open Lending has an average 1 year price target of $7.33, an upside of 18.47% from Open Lending's current stock price of $6.19.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 6 analysts covering Open Lending, 0% have issued a Strong Buy rating, 50% have issued a Buy, 50% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Qifu Technology (NASDAQ:QFIN)


Qifu Technology (NASDAQ:QFIN) is the second best credit service stock with a Zen Score of 53, which is 23 points higher than the credit service industry average of 30. It passed 20 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 0% over the past year, underperforming other credit service stocks by -29 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 30.77% from Qifu Technology's current stock price of $18.20.

Qifu Technology stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Qifu Technology, 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. PayPal (NASDAQ:PYPL)


PayPal (NASDAQ:PYPL) is the third best credit service stock with a Zen Score of 52, which is 22 points higher than the credit service industry average of 30. It passed 17 out of 33 due diligence checks and has strong fundamentals. PayPal has seen its stock lose -9.18% over the past year, underperforming other credit service stocks by -38 percentage points.

PayPal has an average 1 year price target of $67.50, an upside of 1.4% from PayPal's current stock price of $66.57.

PayPal stock has a consensus Buy recommendation according to Wall Street analysts. Of the 24 analysts covering PayPal, 25% have issued a Strong Buy rating, 16.67% have issued a Buy, 58.33% 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. Oaktree Specialty Lending (NASDAQ:OCSL)


Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 11.64%, which is 8 percentage points higher than the credit service industry average of 3.94%. 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 148.4% 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 11.22%, which is 7 percentage points higher than the credit service industry average of 3.94%. Barings Bdc's dividend payout is not stable, having dropped more than 10% five times in the last 10 years. Barings Bdc's dividend has shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 85% indicates that its high dividend yield is sustainable for the long-term.

3. Lufax Holding (NYSE:LU)


Lufax Holding (NYSE:LU) has an annual dividend yield of 8.3%, which is 4 percentage points higher than the credit service industry average of 3.94%.

Lufax Holding's dividend payout ratio of 166.4% 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 1.15% in the last day, and down -0.4% 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 WallStreetZen's Valuation Score, the 3 most undervalued credit service stocks right now are:

1. Navient (NASDAQ:NAVI)


Navient (NASDAQ:NAVI) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Navient has a valuation score of 100, which is 57 points higher than the credit service industry average of 43. It passed 7 out of 7 valuation due diligence checks.

Navient's stock has gained 10.38% in the past year. It has underperformed other stocks in the credit service industry by -19 percentage points.

2. Slm (NASDAQ:SLM)


Slm (NASDAQ:SLM) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Slm has a valuation score of 100, which is 57 points higher than the credit service industry average of 43. It passed 7 out of 7 valuation due diligence checks.

Slm's stock has gained 88.48% in the past year. It has overperformed other stocks in the credit service industry by 60 percentage points.

3. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Open Lending has a valuation score of 86, which is 43 points higher than the credit service industry average of 43. It passed 6 out of 7 valuation due diligence checks.

Open Lending's stock has dropped -11.44% in the past year. It has underperformed other stocks in the credit service industry by -40 percentage points.

Are credit service stocks a good buy now?

43.24% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to fall by -7.93% over the next year.

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

The average P/E ratio of the credit services industry is 29.39x.
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.