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 57th ranked industry out of 146 stock market industries

Ticker	Company	Market Cap	ROE	ROA	ROCE	ROIC	D/E	Current Ratio	Gross Margin	Profit Margin	Operating Margin
ATLC	ATLANTICUS HOLDINGS CORP	$1.44B	20.90%	1.90%	N/A	1.60%	10.46	N/A	100.00%	20.00%	28.39%
EZPW	EZCORP INC	$1.98B	13.90%	7.40%	12.05%	13.60%	0.88	4.71	58.60%	9.90%	15.46%
PMTS	CPI CARD GROUP INC	$216.43M	-56.90%	3.10%	16.28%	9.60%	-28.58	2.54	30.60%	2.20%	8.95%
RM	REGIONAL MANAGEMENT CORP	$338.58M	13.20%	2.40%	N/A	4.30%	4.52	N/A	100.00%	7.40%	22.94%
OPFI	OPPFI INC	$705.35M	134.30%	9.20%	N/A	12.20%	4.98	N/A	70.30%	17.50%	30.70%
PRAA	PRA GROUP INC	$591.18M	-26.40%	-5.40%	N/A	0.30%	4.13	N/A	100.00%	-22.50%	2.00%
FCFS	FIRSTCASH HOLDINGS INC	$9.81B	15.90%	7.00%	12.29%	12.60%	1.33	4.77	50.50%	9.10%	15.73%
ENVA	ENOVA INTERNATIONAL INC	$4.71B	24.90%	5.20%	N/A	7.80%	3.91	N/A	58.90%	10.00%	23.64%
WRLD	WORLD ACCEPTANCE CORP	$803.47M	9.20%	3.20%	N/A	5.60%	2.00	N/A	100.00%	5.90%	16.18%
BFH	BREAD FINANCIAL HOLDINGS INC	$4.14B	17.10%	2.50%	N/A	3.00%	5.71	N/A	100.00%	21.20%	25.00%
IX	ORIX CORP	$43.81B	10.10%	2.50%	N/A	3.80%	2.99	N/A	44.20%	13.40%	26.25%
V	VISA INC	$589.57B	58.90%	22.70%	41.04%	114.50%	1.67	1.09	83.50%	51.70%	62.93%
SEZL	SEZZLE INC	$4.91B	90.90%	37.70%	57.36%	60.50%	1.31	3.65	85.60%	30.80%	40.76%
MA	MASTERCARD INC	$433.52B	206.10%	29.50%	68.05%	86.50%	6.81	0.98	100.00%	45.90%	59.18%
OPRT	OPORTUN FINANCIAL CORP	$238.30M	4.60%	0.60%	N/A	0.60%	6.99	N/A	100.00%	4.50%	8.73%
GDOT	GREEN DOT CORP	$726.64M	-7.70%	-1.20%	-5.66%	6.00%	6.07	0.50	39.40%	-3.30%	-2.61%
LX	LEXINFINTECH HOLDINGS LTD	$353.15M	12.20%	6.30%	13.16%	13.70%	0.88	2.03	30.60%	10.80%	13.75%
FINV	FINVOLUTION GROUP	$1.19B	13.60%	8.60%	N/A	13.70%	0.56	N/A	77.30%	16.60%	20.69%
ALLY	ALLY FINANCIAL INC	$13.93B	8.50%	0.70%	N/A	0.80%	11.64	N/A	93.20%	15.20%	19.17%
PYPL	PAYPAL HOLDINGS INC	$37.48B	25.10%	6.30%	18.48%	23.70%	3.02	1.26	40.90%	15.00%	18.03%
OMF	ONEMAIN HOLDINGS INC	$6.66B	23.60%	2.90%	N/A	2.20%	7.00	N/A	93.20%	26.80%	34.35%
LC	LENDINGCLUB CORP	$2.13B	11.90%	1.50%	N/A	2.20%	6.84	N/A	100.00%	17.00%	22.12%
COF	CAPITAL ONE FINANCIAL CORP	$121.11B	2.60%	0.40%	N/A	0.60%	5.08	N/A	100.00%	8.00%	9.94%
AXP	AMERICAN EXPRESS CO	$228.84B	33.90%	3.70%	N/A	4.70%	8.09	N/A	100.00%	16.30%	20.70%
JCAP	JEFFERSON CAPITAL INC	$904.43M	36.50%	8.30%	N/A	10.10%	3.71	N/A	100.00%	25.40%	49.47%
CACC	CREDIT ACCEPTANCE CORP	$5.99B	29.40%	5.20%	N/A	7.30%	4.74	N/A	71.40%	19.50%	45.37%
NAVI	NAVIENT CORP	$749.02M	-1.60%	-0.10%	N/A	-0.10%	19.18	N/A	100.00%	-18.20%	-22.42%
SYF	SYNCHRONY FINANCIAL	$25.14B	20.90%	2.90%	N/A	4.00%	6.37	N/A	100.00%	35.60%	46.51%
LU	LUFAX HOLDING LTD	$1.18B	-2.60%	-1.00%	N/A	-0.30%	1.58	N/A	100.00%	-7.70%	-2.60%
WU	WESTERN UNION CO	$2.34B	47.90%	5.50%	N/A	9.80%	7.90	N/A	36.10%	10.90%	17.66%
NNI	NELNET INC	$4.61B	11.40%	3.00%	N/A	2.60%	2.83	N/A	81.00%	25.10%	32.57%
XYF	X FINANCIAL	$199.74M	13.40%	7.40%	N/A	8.60%	0.75	N/A	45.50%	15.20%	19.01%
QFIN	QFIN HOLDINGS INC	$1.90B	21.00%	8.70%	18.60%	18.40%	1.22	2.22	80.10%	27.50%	34.25%
FOA	FINANCE OF AMERICA COMPANIES INC	$177.39M	9.80%	0.10%	N/A	0.10%	88.84	N/A	100.00%	6.90%	7.79%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.99B	11.40%	0.50%	N/A	0.40%	20.39	N/A	100.00%	49.10%	68.10%
SLM	SLM CORP	$4.13B	30.50%	2.50%	N/A	3.20%	11.07	N/A	100.00%	44.00%	59.43%
BBDC	BARINGS BDC INC	$879.54M	7.70%	3.30%	N/A	2.20%	1.25	N/A	57.40%	32.40%	33.86%
MFIN	MEDALLION FINANCIAL CORP	$234.92M	8.10%	1.10%	N/A	2.00%	5.99	N/A	100.00%	20.50%	36.79%
UPST	UPSTART HOLDINGS INC	$3.10B	6.60%	1.70%	N/A	1.30%	3.04	N/A	100.00%	4.30%	4.41%
SOFI	SOFI TECHNOLOGIES INC	$21.97B	6.20%	1.20%	N/A	1.50%	3.97	N/A	83.60%	14.60%	16.38%
LPRO	OPEN LENDING CORP	$248.26M	-7.00%	-2.00%	1.04%	1.70%	2.07	4.44	77.20%	-5.90%	2.12%
OBDC	BLUE OWL CAPITAL CORP	$5.50B	4.80%	2.10%	N/A	3.70%	1.24	N/A	77.30%	20.20%	53.46%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.03B	3.40%	1.70%	N/A	3.60%	1.09	N/A	87.90%	16.70%	53.67%
RWAY	RUNWAY GROWTH FINANCE CORP	$237.80M	-0.60%	-0.30%	N/A	2.90%	1.07	N/A	78.30%	-2.00%	31.42%
HTT	HIGH TEMPLAR TECH LTD	$470.03M	6.10%	5.40%	6.36%	11.70%	0.17	5.75	7.10%	1,729.90%	1,804.78%
SUIG	SUI GROUP HOLDINGS LTD	$110.60M	-193.30%	-177.30%	-317.52%	-210.50%	0.18	0.77	100.00%	-9,055.10%	-9,038.02%
LMFA	LM FUNDING AMERICA INC	$3.57M	-99.60%	-69.10%	-139.71%	-71.70%	1.09	1.13	28.80%	-387.10%	-351.79%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$207.87M	6.50%	0.50%	N/A	3.70%	11.89	N/A	78.80%	4.60%	60.55%
AIOS	AIOS TECH INC	$3.05M	-208.90%	-159.80%	-4,712.44%	-276.20%	0.09	12.26	72.00%	-4,359.10%	-4,357.78%
YRD	YIREN DIGITAL LTD	$106.56M	0.60%	0.40%	N/A	-0.40%	0.45	N/A	86.30%	1.00%	-0.74%
AIHS	SENMIAO TECHNOLOGY LTD	$6.11M	N/A	-67.40%	-95.20%	800.90%	4.90	2.24	28.10%	-120.90%	-120.77%
DXF	EASON TECHNOLOGY LTD	$1.08B	-21.50%	-10.40%	-15.66%	-4,608.80%	0.81	0.77	49.60%	-109.20%	-99.31%
JF	J & FRIENDS HOLDINGS LTD	$20.10M	N/A	-2.30%	-16.92%	0.70%	2.19	1.25	71.50%	-82.90%	-83.67%
ANTA	ANTALPHA PLATFORM HOLDING CO	$154.46M	17.40%	1.00%	6.86%	1.30%	8.08	1.14	48.80%	22.70%	24.67%
SNTG	SENTAGE HOLDINGS INC	$6.68M	-25.20%	-21.10%	-23.77%	-23.60%	0.25	2.14	91.20%	-3,305.20%	-3,305.24%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Jun 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. Atlanticus Holdings (NASDAQ:ATLC)

Atlanticus Holdings (NASDAQ:ATLC) 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 Atlanticus Holdings (NASDAQ:ATLC) is: Value: C, Growth: B, Momentum: B, Sentiment: B, Safety: C, Financials: B, and AI: C.

Atlanticus Holdings (NASDAQ:ATLC) has a Due Diligence Score of 53, which is 19 points higher than the credit service industry average of 34.

ATLC passed 18 out of 33 due diligence checks and has strong fundamentals. Atlanticus Holdings has seen its stock return 84.62% over the past year, overperforming other credit service stocks by 80 percentage points.

Atlanticus Holdings has an average 1 year price target of $100.00, an upside of 5.2% from Atlanticus Holdings's current stock price of $95.06.

Atlanticus Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Atlanticus Holdings, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Ezcorp (NASDAQ:EZPW)

Ezcorp (NASDAQ:EZPW) 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 Ezcorp (NASDAQ:EZPW) is: Value: C, Growth: B, Momentum: B, Sentiment: C, Safety: C, Financials: B, and AI: C.

Ezcorp (NASDAQ:EZPW) has a Due Diligence Score of 51, which is 17 points higher than the credit service industry average of 34.

EZPW passed 16 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 142.04% over the past year, overperforming other credit service stocks by 137 percentage points.

Ezcorp has an average 1 year price target of $35.00, an upside of 8.56% from Ezcorp's current stock price of $32.24.

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.

3. Cpi Card Group (NASDAQ:PMTS)

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

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 29, which is -5 points lower than the credit service industry average of 34. Although this number is below the industry average, our proven quant model rates PMTS as a "A".

PMTS passed 11 out of 38 due diligence checks and has average fundamentals. Cpi Card Group has seen its stock lose -18.11% over the past year, underperforming other credit service stocks by -23 percentage points.

Cpi Card Group has an average 1 year price target of $30.00, an upside of 59.07% from Cpi Card Group's current stock price of $18.86.

Cpi Card Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst 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.

What are the credit service stocks with highest dividends?

Out of 26 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 24.11%, which is 18 percentage points higher than the credit service industry average of 6.22%. 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 -1,712.5% indicates that its high dividend yield might not be sustainable for the long-term.

2. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 16.17%, which is 10 percentage points higher than the credit service industry average of 6.22%.

Lexinfintech Holdings's dividend payout ratio of 27.3% indicates that its high dividend yield is sustainable for the long-term.

3. Blue Owl Capital (NYSE:OBDC)

Blue Owl Capital (NYSE:OBDC) has an annual dividend yield of 13.54%, which is 7 percentage points higher than the credit service industry average of 6.22%. Blue Owl Capital's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Blue Owl Capital's dividend has shown consistent growth over the last 10 years.

Blue Owl Capital's dividend payout ratio of 215.7% 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 1.63% in the last day, and up 4.04% 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. Qfin Holdings (NASDAQ:QFIN)

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 -63.46% in the past year. It has underperformed other stocks in the credit service industry by -68 percentage points.

2. Western Union Co (NYSE:WU)

Western Union Co (NYSE:WU) 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.

Western Union Co 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.

Western Union Co's stock has dropped -13.41% in the past year. It has underperformed other stocks in the credit service industry by -18 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 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -70.29% 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?

39.47% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 20.53% over the next year.

10.87% of credit service stocks have a Zen Rating of A (Strong Buy), 8.7% of credit service stocks are rated B (Buy), 67.39% are rated C (Hold), 10.87% are rated D (Sell), and 2.17% 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. Atlanticus Holdings (NASDAQ:ATLC)

2. Ezcorp (NASDAQ:EZPW)

3. Cpi Card Group (NASDAQ:PMTS)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Blue Owl Capital (NYSE:OBDC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Western Union Co (NYSE:WU)

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. Atlanticus Holdings (NASDAQ:ATLC)

2. Ezcorp (NASDAQ:EZPW)

3. Cpi Card Group (NASDAQ:PMTS)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Blue Owl Capital (NYSE:OBDC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Western Union Co (NYSE:WU)

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.