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 58th 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	$809.54M	73.20%	3.80%	N/A	8.10%	7.61	N/A	70.70%	6.90%	19.83%
FCFS	FIRSTCASH HOLDINGS INC	$9.57B	15.90%	7.00%	12.29%	12.60%	1.33	4.77	50.50%	9.10%	15.73%
PMTS	CPI CARD GROUP INC	$202.96M	-58.80%	3.80%	16.95%	10.40%	-24.26	2.44	31.30%	2.80%	9.95%
ENVA	ENOVA INTERNATIONAL INC	$4.22B	24.90%	5.20%	N/A	7.80%	3.91	N/A	58.90%	10.00%	23.64%
RM	REGIONAL MANAGEMENT CORP	$350.98M	12.10%	2.20%	N/A	4.20%	4.64	N/A	100.00%	6.90%	22.09%
EZPW	EZCORP INC	$2.02B	12.50%	6.40%	10.72%	11.80%	0.86	6.03	58.60%	9.20%	14.42%
ATLC	ATLANTICUS HOLDINGS CORP	$1.18B	19.50%	2.10%	N/A	1.70%	11.47	N/A	100.00%	20.10%	28.95%
BFH	BREAD FINANCIAL HOLDINGS INC	$3.43B	17.10%	2.50%	N/A	3.00%	5.71	N/A	100.00%	21.20%	25.00%
MA	MASTERCARD INC	$444.37B	206.10%	29.50%	68.05%	86.50%	6.81	0.98	100.00%	45.90%	59.18%
ALLY	ALLY FINANCIAL INC	$13.72B	5.00%	0.40%	N/A	0.50%	11.65	N/A	92.20%	9.40%	11.89%
PRAA	PRA GROUP INC	$837.90M	-27.30%	-5.90%	N/A	-0.10%	4.15	N/A	100.00%	-25.40%	-0.55%
V	VISA INC	$600.53B	58.90%	22.70%	41.04%	114.50%	1.67	1.09	83.50%	51.70%	62.93%
JCAP	JEFFERSON CAPITAL INC	$1.15B	42.70%	10.20%	N/A	10.90%	3.38	N/A	100.00%	30.60%	52.87%
FINV	FINVOLUTION GROUP	$1.21B	15.80%	10.00%	N/A	16.20%	0.52	N/A	78.60%	18.70%	23.05%
OMF	ONEMAIN HOLDINGS INC	$6.89B	23.40%	2.90%	N/A	2.20%	7.05	N/A	93.20%	26.90%	34.45%
XYF	X FINANCIAL	$184.86M	18.90%	10.60%	N/A	11.90%	0.87	N/A	44.70%	19.20%	23.13%
IX	ORIX CORP	$37.31B	10.90%	2.70%	N/A	3.80%	2.92	N/A	43.10%	15.00%	27.11%
LC	LENDINGCLUB CORP	$1.97B	9.50%	1.20%	N/A	1.80%	6.71	N/A	100.00%	13.60%	17.72%
OPRT	OPORTUN FINANCIAL CORP	$271.01M	6.70%	0.80%	N/A	0.80%	7.35	N/A	100.00%	6.20%	10.86%
SEZL	SEZZLE INC	$2.69B	91.60%	37.60%	56.98%	64.30%	1.36	3.92	85.40%	29.60%	39.29%
UPST	UPSTART HOLDINGS INC	$3.10B	7.30%	2.00%	N/A	1.60%	2.72	N/A	100.00%	5.10%	5.20%
LX	LEXINFINTECH HOLDINGS LTD	$353.43M	14.40%	7.30%	15.56%	16.10%	0.94	1.89	34.00%	12.80%	15.95%
CACC	CREDIT ACCEPTANCE CORP	$5.43B	26.60%	4.80%	N/A	7.00%	4.67	N/A	70.30%	18.30%	44.38%
COF	CAPITAL ONE FINANCIAL CORP	$118.98B	2.20%	0.40%	N/A	0.50%	4.89	N/A	100.00%	6.70%	8.07%
AXP	AMERICAN EXPRESS CO	$220.43B	33.90%	3.70%	N/A	4.70%	8.09	N/A	100.00%	16.30%	20.70%
NNI	NELNET INC	$5.08B	12.00%	3.10%	N/A	2.70%	2.85	N/A	81.00%	25.50%	33.13%
QFIN	QFIN HOLDINGS INC	$1.59B	25.10%	10.20%	20.20%	20.50%	1.36	2.43	81.50%	31.20%	38.48%
MFIN	MEDALLION FINANCIAL CORP	$215.54M	10.00%	1.40%	N/A	2.40%	5.99	N/A	100.00%	23.90%	40.95%
PYPL	PAYPAL HOLDINGS INC	$46.16B	25.90%	6.50%	18.65%	23.70%	2.96	1.29	41.50%	15.80%	18.97%
SYF	SYNCHRONY FINANCIAL	$25.68B	20.90%	2.90%	N/A	4.00%	6.37	N/A	100.00%	35.60%	46.51%
WRLD	WORLD ACCEPTANCE CORP	$726.51M	10.80%	4.00%	N/A	6.20%	2.25	N/A	100.00%	7.50%	17.84%
WU	WESTERN UNION CO	$2.84B	47.90%	5.50%	N/A	9.80%	7.90	N/A	36.10%	10.90%	17.66%
GDOT	GREEN DOT CORP	$697.37M	-10.80%	-1.70%	-9.53%	8.20%	5.72	0.53	40.90%	-4.80%	-4.38%
LPRO	OPEN LENDING CORP	$207.11M	-5.50%	-1.50%	2.29%	3.40%	2.16	4.52	76.90%	-4.50%	4.61%
SLM	SLM CORP	$4.35B	30.50%	2.50%	N/A	3.20%	11.07	N/A	100.00%	44.00%	59.43%
BBDC	BARINGS BDC INC	$957.02M	8.70%	3.70%	N/A	2.50%	1.27	N/A	57.60%	36.50%	37.89%
NAVI	NAVIENT CORP	$868.38M	-1.60%	-0.10%	N/A	-0.10%	19.18	N/A	100.00%	-18.20%	-22.42%
OBDC	BLUE OWL CAPITAL CORP	$5.85B	8.20%	3.60%	N/A	4.60%	1.32	N/A	77.60%	33.90%	66.88%
FOA	FINANCE OF AMERICA COMPANIES INC	$168.90M	14.70%	0.10%	N/A	0.10%	93.67	N/A	100.00%	9.10%	9.80%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.11B	2.20%	1.10%	N/A	3.30%	1.16	N/A	88.10%	10.60%	47.54%
SOFI	SOFI TECHNOLOGIES INC	$20.53B	5.90%	1.10%	N/A	1.30%	3.83	N/A	83.10%	13.30%	14.55%
BRR	PROCAP FINANCIAL INC	$159.34M	-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	$243.18M	6.90%	3.40%	N/A	5.30%	0.98	N/A	78.00%	24.80%	56.51%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.89B	11.30%	0.50%	N/A	0.40%	19.58	N/A	100.00%	48.60%	68.10%
LU	LUFAX HOLDING LTD	$1.66B	-2.60%	-1.00%	N/A	-0.30%	1.58	N/A	100.00%	-7.70%	-2.60%
HTT	HIGH TEMPLAR TECH LTD	$371.32M	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	$114.44M	-172.40%	-160.60%	-148.73%	-190.40%	0.12	2.39	100.00%	-6,796.10%	-6,776.98%
SNTG	SENTAGE HOLDINGS INC	$5.47M	-16.40%	-14.40%	-15.49%	-16.50%	0.18	5.86	92.50%	-1,560.30%	-1,560.26%
AIOS	AIOS TECH INC	$2.32M	-208.90%	-159.80%	-4,712.44%	-276.20%	0.09	12.26	72.00%	-4,359.10%	-4,357.78%
DXF	EASON TECHNOLOGY LTD	$147.93M	N/A	-283.40%	-1,780.86%	-1,468.40%	1.53	0.57	77.70%	-4,077.00%	-4,056.14%
LMFA	LM FUNDING AMERICA INC	$3.89M	-79.00%	-60.10%	-82.15%	-60.10%	0.73	1.18	34.50%	-322.20%	-291.65%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$197.58M	6.30%	0.50%	N/A	3.70%	11.46	N/A	78.00%	4.40%	59.85%
YRD	YIREN DIGITAL LTD	$168.57M	0.60%	0.40%	N/A	-0.40%	0.45	N/A	86.30%	1.00%	-0.74%
ANTA	ANTALPHA PLATFORM HOLDING CO	$205.03M	19.60%	0.90%	1.26%	1.20%	18.42	1.16	49.10%	23.20%	26.14%
JF	J & FRIENDS HOLDINGS LTD	$19.36M	N/A	-2.30%	-16.92%	0.70%	2.19	1.25	71.50%	-82.90%	-83.67%
AIHS	SENMIAO TECHNOLOGY LTD	$5.51M	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 May 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: B, Growth: B, Momentum: C, Sentiment: B, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 40, which is 5 points higher than the credit service industry average of 35.

OPFI passed 16 out of 38 due diligence checks and has average fundamentals. Oppfi has seen its stock return 1.71% over the past year, underperforming other credit service stocks by -5 percentage points.

Oppfi has an average 1 year price target of $15.00, an upside of 57.73% from Oppfi's current stock price of $9.51.

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.

2. Firstcash Holdings (NASDAQ:FCFS)

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

Firstcash Holdings (NASDAQ:FCFS) has a Due Diligence Score of 48, which is 13 points higher than the credit service industry average of 35.

FCFS passed 18 out of 38 due diligence checks and has strong fundamentals. Firstcash Holdings has seen its stock return 62.9% over the past year, overperforming other credit service stocks by 56 percentage points.

Firstcash Holdings has an average 1 year price target of $243.50, an upside of 11.58% from Firstcash Holdings's current stock price of $218.22.

Firstcash Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Firstcash Holdings, 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. Cpi Card Group (NASDAQ:PMTS)

Cpi Card Group (NASDAQ:PMTS) 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 Cpi Card Group (NASDAQ:PMTS) is: Value: A, Growth: C, Momentum: C, Sentiment: C, 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 -32.25% over the past year, underperforming other credit service stocks by -39 percentage points.

Cpi Card Group has an average 1 year price target of $27.67, an upside of 56.22% from Cpi Card Group's current stock price of $17.71.

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.

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. Oppfi (NYSE:OPFI)

Oppfi (NYSE:OPFI) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 6.18%.

Oppfi's dividend payout ratio of 25.3% indicates that its dividend yield is sustainable for the long-term.

2. Runway Growth Finance (NASDAQ:RWAY)

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 20.36%, which is 14 percentage points higher than the credit service industry average of 6.18%. 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.

3. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 16.32%, which is 10 percentage points higher than the credit service industry average of 6.18%.

Lexinfintech Holdings's dividend payout ratio of 23.7% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -0.12% in the last day, and up 0.2% over the last week. Mastercard was the among the top losers in the credit services industry, dropping -4.25% yesterday.

Mastercard shares are trading lower. The company reported Q1 financial results.

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 29 points higher than the credit service industry average of 42. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -68.12% in the past year. It has underperformed other stocks in the credit service industry by -75 percentage points.

2. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) 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.

Lexinfintech Holdings 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.

Lexinfintech Holdings's stock has dropped -73.12% in the past year. It has underperformed other stocks in the credit service industry by -80 percentage points.

3. Western Union Co (NYSE:WU)

Western Union Co (NYSE:WU) 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.

Western Union Co 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.

Western Union Co's stock has dropped -8.27% in the past year. It has underperformed other stocks in the credit service industry by -15 percentage points.

Are credit service stocks a good buy now?

47.37% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 16.47% over the next year.

8.51% of credit service stocks have a Zen Rating of A (Strong Buy), 12.77% of credit service stocks are rated B (Buy), 68.09% are rated C (Hold), 8.51% are rated D (Sell), and 2.13% 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 26.77x.

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. Firstcash Holdings (NASDAQ:FCFS)

3. Cpi Card Group (NASDAQ:PMTS)

1. Oppfi (NYSE:OPFI)

2. Runway Growth Finance (NASDAQ:RWAY)

3. Lexinfintech Holdings (NASDAQ:LX)

1. Qfin Holdings (NASDAQ:QFIN)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Western Union Co (NYSE:WU)

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. Firstcash Holdings (NASDAQ:FCFS)

3. Cpi Card Group (NASDAQ:PMTS)

1. Oppfi (NYSE:OPFI)

2. Runway Growth Finance (NASDAQ:RWAY)

3. Lexinfintech Holdings (NASDAQ:LX)

1. Qfin Holdings (NASDAQ:QFIN)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Western Union Co (NYSE:WU)

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.