Sectors & Industries Financial ServicesCredit Services
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

Overview Zen Score Price Valuation Financials

Forecast Earnings & Revenue Dividends Ownership Technicals

Ticker	Company	Market Cap	ROE	ROA	ROCE	ROIC	D/E	Current Ratio	Gross Margin	Profit Margin	Operating Margin
LPRO	OPEN LENDING CORP	$584.87M	10.40%	5.80%	11.18%	14.30%	0.82	14.08	81.00%	18.80%	33.64%
QFIN	QIFU TECHNOLOGY INC	$2.98B	20.50%	9.70%	20.43%	31.10%	1.09	2.00	79.70%	26.30%	32.50%
PYPL	PAYPAL HOLDINGS INC	$68.70B	21.10%	5.50%	16.06%	21.90%	2.90	1.29	39.60%	14.30%	18.18%
NAVI	NAVIENT CORP	$1.76B	4.60%	0.30%	N/A	0.20%	20.34	N/A	100.00%	17.50%	23.71%
DFS	DISCOVER FINANCIAL SERVICES	$31.49B	20.00%	2.00%	N/A	2.50%	9.22	N/A	100.00%	29.00%	38.05%
MA	MASTERCARD INC	$431.10B	186.00%	28.00%	54.29%	69.60%	5.12	1.17	100.00%	44.60%	56.63%
V	VISA INC	$553.07B	46.60%	20.20%	33.31%	82.30%	1.28	1.40	82.20%	53.90%	67.28%
ATLC	ATLANTICUS HOLDINGS CORP	$381.41M	21.00%	3.10%	N/A	3.20%	5.51	N/A	100.00%	21.90%	36.48%
OMF	ONEMAIN HOLDINGS INC	$6.05B	20.60%	2.70%	N/A	2.10%	6.63	N/A	92.60%	25.00%	32.83%
COF	CAPITAL ONE FINANCIAL CORP	$55.50B	8.30%	1.00%	N/A	1.30%	7.24	N/A	100.00%	17.40%	22.93%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.55B	7.60%	3.50%	N/A	4.90%	1.16	N/A	80.60%	28.80%	60.33%
WU	WESTERN UNION CO	$4.50B	116.60%	7.60%	N/A	12.00%	19.24	N/A	38.60%	14.10%	19.25%
MFIN	MEDALLION FINANCIAL CORP	$188.34M	17.00%	2.20%	N/A	3.30%	6.34	N/A	100.00%	34.10%	49.50%
ALLY	ALLY FINANCIAL INC	$11.90B	6.80%	0.50%	N/A	0.50%	13.27	N/A	94.90%	11.10%	11.82%
SYF	SYNCHRONY FINANCIAL	$17.93B	20.50%	2.50%	N/A	3.40%	6.93	N/A	100.00%	33.30%	43.61%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$2.05B	12.70%	0.60%	N/A	0.50%	19.91	N/A	100.00%	49.40%	72.27%
AXP	AMERICAN EXPRESS CO	$170.55B	32.50%	3.50%	N/A	4.40%	8.36	N/A	100.00%	15.80%	20.20%
FINV	FINVOLUTION GROUP	$1.29B	17.80%	10.80%	N/A	19.30%	0.54	N/A	83.20%	18.70%	21.80%
LX	LEXINFINTECH HOLDINGS LTD	$278.26M	11.30%	4.50%	12.73%	10.00%	1.38	1.50	34.60%	8.20%	10.55%
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$32.95M	7.90%	5.20%	9.59%	23.80%	0.67	2.31	14.50%	6.10%	7.70%
BBDC	BARINGS BDC INC	$980.06M	10.70%	4.70%	N/A	3.10%	1.24	N/A	59.40%	44.30%	44.84%
BFH	BREAD FINANCIAL HOLDINGS INC	$1.81B	25.60%	3.30%	N/A	4.20%	6.93	N/A	100.00%	23.50%	31.01%
SLM	SLM CORP	$4.83B	38.70%	2.60%	N/A	3.40%	12.38	N/A	100.00%	43.20%	59.40%
EZPW	EZCORP INC	$610.55M	6.70%	3.40%	6.03%	6.00%	0.91	4.00	58.10%	4.60%	7.24%
LC	LENDINGCLUB CORP	$885.49M	3.20%	0.50%	N/A	0.80%	6.05	N/A	100.00%	4.50%	6.32%
YRD	YIREN DIGITAL LTD	$442.12M	28.60%	22.10%	N/A	64.50%	0.27	N/A	80.10%	42.50%	52.39%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$181.51M	17.50%	1.60%	N/A	3.90%	9.57	N/A	75.00%	12.90%	59.01%
XYF	X FINANCIAL	$184.38M	21.60%	11.20%	N/A	11.70%	0.99	N/A	100.00%	24.60%	30.25%
ENVA	ENOVA INTERNATIONAL INC	$1.69B	14.10%	4.00%	N/A	6.90%	3.03	N/A	100.00%	13.40%	34.37%
NRDS	NERDWALLET INC	$1.05B	-3.40%	-2.90%	3.06%	9.30%	0.18	4.17	90.80%	-2.10%	2.03%
IX	ORIX CORP	$25.31B	7.80%	1.80%	N/A	2.80%	3.21	N/A	42.00%	10.40%	21.09%
FUFU	BITFUFU INC	$491.96M	152.70%	7.50%	14.73%	22.50%	11.12	1.40	4.50%	3.70%	6.41%
RWAY	RUNWAY GROWTH FINANCE CORP	$508.80M	7.80%	4.00%	N/A	5.50%	0.97	N/A	78.20%	27.00%	53.68%
FCFS	FIRSTCASH HOLDINGS INC	$5.17B	11.40%	5.40%	9.76%	11.10%	1.15	3.89	47.80%	7.00%	12.25%
SNTG	SENTAGE HOLDINGS INC	$5.28M	-18.60%	-18.10%	-20.53%	-31.00%	0.03	42.96	100.00%	16,719.50%	16,719.50%
LMFA	LM FUNDING AMERICA INC	$6.71M	-40.20%	-38.70%	-45.45%	-44.10%	0.08	3.67	27.60%	-122.80%	-122.33%
SOFI	SOFI TECHNOLOGIES INC	$7.41B	-5.80%	-1.10%	N/A	-1.10%	4.68	N/A	82.10%	-14.20%	-14.19%
WRLD	WORLD ACCEPTANCE CORP	$833.06M	17.00%	6.10%	N/A	7.80%	1.75	N/A	100.00%	11.80%	23.66%
NNI	NELNET INC	$3.49B	2.80%	0.50%	N/A	0.40%	4.14	N/A	81.00%	7.90%	9.64%
LU	LUFAX HOLDING LTD	$2.63B	1.00%	0.30%	N/A	0.80%	1.56	N/A	100.00%	2.60%	5.58%
PMTS	CPI CARD GROUP INC	$190.62M	-39.60%	8.10%	25.13%	13.70%	-6.66	3.35	35.00%	5.40%	13.81%
DXF	DUNXIN FINANCIAL HOLDINGS LTD	$5.41M	-8.00%	-4.00%	-8.42%	-5.20%	1.08	1.80	100.00%	125.60%	125.62%
QD	QUDIAN INC	$495.90M	0.30%	0.30%	0.87%	1.70%	0.07	13.47	-26.70%	31.00%	80.32%
CACC	CREDIT ACCEPTANCE CORP	$6.34B	16.50%	3.90%	N/A	5.40%	3.34	N/A	57.60%	15.00%	33.34%
RM	REGIONAL MANAGEMENT CORP	$256.26M	4.90%	0.90%	N/A	2.90%	4.57	N/A	100.00%	2.90%	16.00%
AIHS	SENMIAO TECHNOLOGY LTD	$8.32M	-116.10%	-28.00%	-54.13%	-52.10%	2.70	0.93	26.20%	-50.40%	-49.82%
UPST	UPSTART HOLDINGS INC	$1.97B	-37.80%	-12.60%	N/A	-9.70%	2.18	N/A	100.00%	-46.80%	-46.74%
OBDC	BLUE OWL CAPITAL CORP	$6.14B	13.30%	5.90%	N/A	6.20%	1.24	N/A	77.80%	50.10%	78.82%
OPFI	OPPFI INC	$292.82M	-13.10%	-0.20%	N/A	5.50%	39.03	N/A	59.30%	-0.40%	17.60%
MDBH	MDB CAPITAL HOLDINGS LLC	$83.66M	-23.20%	-20.30%	N/A	-22.70%	0.15	N/A	100.00%	-116.20%	-114.11%
GDOT	GREEN DOT CORP	$476.52M	0.80%	0.10%	2.04%	-7.30%	4.61	0.41	57.40%	0.40%	1.18%
FOA	FINANCE OF AMERICA COMPANIES INC	$44.42M	-34.90%	-0.30%	N/A	-0.20%	115.52	N/A	100.00%	-34.20%	-34.44%
OPRT	OPORTUN FINANCIAL CORP	$107.13M	-40.90%	-5.20%	N/A	-4.20%	7.44	N/A	100.00%	-64.10%	-90.38%
MCVT	MILL CITY VENTURES III LTD	$15.96M	-6.20%	-5.90%	N/A	-7.80%	0.03	N/A	100.00%	-35.30%	-46.75%
PAPL	PINEAPPLE FINANCIAL INC	$9.48M	-107.70%	-55.00%	-63.97%	-110.00%	0.89	2.03	100.00%	-113.80%	-111.20%
NICK	NICHOLAS FINANCIAL INC	$48.98M	-50.10%	-42.30%	N/A	-36.00%	0.02	N/A	100.00%	-134.50%	-127.18%
GRYP	GRYPHON DIGITAL MINING INC	$58.20M	N/A	-244.40%	115.94%	435.60%	-1.15	0.13	50.20%	-169.40%	-152.83%
PRAA	PRA GROUP INC	$937.22M	-7.20%	-1.90%	N/A	1.20%	2.82	N/A	100.00%	-10.40%	10.23%
PT	PINTEC TECHNOLOGY HOLDINGS LTD	$17.81M	N/A	-17.90%	23.50%	54.20%	-0.71	0.29	-6.30%	-96.50%	-70.54%
BCG	BINAH CAPITAL GROUP INC	$116.45M	11.40%	0.80%	N/A	9.90%	12.21	N/A	18.90%	0.30%	3.34%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Apr 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 63, which is 32 points higher than the credit service industry average of 31. It passed 20 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -25.68% over the past year, underperforming other credit service stocks by -45 percentage points.

Open Lending has an average 1 year price target of $7.33, an upside of 49.04% from Open Lending's current stock price of $4.92.

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 57, which is 26 points higher than the credit service industry average of 31. It passed 21 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 16.19% over the past year, underperforming other credit service stocks by -3 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 26.13% from Qifu Technology's current stock price of $18.87.

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 56, which is 25 points higher than the credit service industry average of 31. It passed 18 out of 33 due diligence checks and has strong fundamentals. PayPal has seen its stock lose -10.7% over the past year, underperforming other credit service stocks by -30 percentage points.

PayPal has an average 1 year price target of $67.76, an upside of 5.71% from PayPal's current stock price of $64.10.

PayPal stock has a consensus Buy recommendation according to Wall Street analysts. Of the 21 analysts covering PayPal, 23.81% have issued a Strong Buy rating, 14.29% have issued a Buy, 61.9% 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 24 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 11.54%, which is 8 percentage points higher than the credit service industry average of 4%. 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 11.15%, which is 7 percentage points higher than the credit service industry average of 4%. 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 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. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 10.77%, which is 7 percentage points higher than the credit service industry average of 4%.

Lexinfintech Holdings's dividend payout ratio of 12.9% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -1.3% in the last day, and up 1.4% over the last week. Firstcash Holdings was the among the top losers in the credit services industry, dropping -13.19% yesterday.

FirstCash shares are trading lower following a Q1 revenue miss.

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. Open Lending (NASDAQ:LPRO)

Open Lending (NASDAQ:LPRO) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Open Lending has a valuation score of 100, which is 58 points higher than the credit service industry average of 42. It passed 7 out of 7 valuation due diligence checks.

Open Lending's stock has dropped -25.68% in the past year. It has underperformed other stocks in the credit service industry by -45 percentage points.

2. Navient (NASDAQ:NAVI)

Navient (NASDAQ:NAVI) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Navient has a valuation score of 100, which is 58 points higher than the credit service industry average of 42. It passed 7 out of 7 valuation due diligence checks.

Navient's stock has dropped -1.44% in the past year. It has underperformed other stocks in the credit service industry by -21 percentage points.

3. Capital One Financial (NYSE:COF)

Capital One Financial (NYSE:COF) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Capital One Financial has a valuation score of 71, which is 29 points higher than the credit service industry average of 42. It passed 5 out of 7 valuation due diligence checks.

Capital One Financial's stock has gained 53.73% in the past year. It has overperformed other stocks in the credit service industry by 34 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 2.28% 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 28.19x.

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 (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.

Credit Service Stocks FAQ

1. Open Lending (NASDAQ:LPRO)

2. Qifu Technology (NASDAQ:QFIN)

3. PayPal (NASDAQ:PYPL)

1. Oaktree Specialty Lending (NASDAQ:OCSL)

2. Barings Bdc (NYSE:BBDC)

3. Lexinfintech Holdings (NASDAQ:LX)

1. Open Lending (NASDAQ:LPRO)

2. Navient (NASDAQ:NAVI)

3. Capital One Financial (NYSE:COF)

Company

Stock Tools

Stock Ideas