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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
Forecast Score
Market Cap
Price
Price Target
Upside/Downside
Top Analysts Upside/Downside
Consensus
Top Analysts Consensus
Analysts
Top Analysts
Fore. Revenue Growth
Fore. Earnings Growth
Forecast ROE
Forecast ROA
LPRO
OPEN LENDING CORP
$744.17M$6.26$7.3317.14%Buy614.51%205.51%N/AN/A
QFIN
QIFU TECHNOLOGY INC
$2.91B$18.43$23.8029.14%Strong Buy15.26%48.37%N/AN/A
PYPL
PAYPAL HOLDINGS INC
$71.80B$66.99$67.500.76%Buy247.50%11.87%N/AN/A
MA
MASTERCARD INC
$449.25B$481.57$487.281.19%Strong Buy1812.16%25.03%N/AN/A
DFS
DISCOVER FINANCIAL SERVICES
$32.85B$131.09$123.64-5.68%Buy1429.26%26.68%N/AN/A
NAVI
NAVIENT CORP
$1.96B$17.40$17.00-2.30%Sell6-25.61%45.34%N/AN/A
V
VISA INC
$563.27B$279.08$301.067.88%Strong Buy179.21%13.13%67.21%29.21%
ATLC
ATLANTICUS HOLDINGS CORP
$432.41M$29.59$39.0031.80%Buy1274.66%N/AN/AN/A
OMF
ONEMAIN HOLDINGS INC
$6.12B$51.09$51.731.25%Buy1147.91%62.85%N/AN/A
COF
CAPITAL ONE FINANCIAL CORP
$56.61B$148.89$138.75-6.81%Buy1623.12%44.81%N/AN/A
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.55B$19.66$20.835.97%Buy30.29%45.10%N/AN/A
WU
WESTERN UNION CO
$4.78B$13.98$13.60-2.72%Hold5-2.09%16.91%N/AN/A
MFIN
MEDALLION FINANCIAL CORP
$185.75M$7.91N/AN/AN/AN/A30.90%N/AN/AN/A
SYF
SYNCHRONY FINANCIAL
$17.54B$43.12$42.69-0.99%Buy1357.80%14.33%N/AN/A
SLM
SLM CORP
$4.80B$21.79$19.65-9.82%Buy103.61%28.04%N/AN/A
ALLY
ALLY FINANCIAL INC
$12.34B$40.59$36.71-9.55%Buy145.56%110.71%N/AN/A
AXP
AMERICAN EXPRESS CO
$164.82B$227.69$189.25-16.88%Buy1613.67%14.78%44.43%4.77%
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$2.14B$196.88N/AN/AN/AN/A9.12%N/AN/AN/A
ENVA
ENOVA INTERNATIONAL INC
$1.77B$62.83$59.00-6.10%Hold395.07%N/AN/AN/A
LX
LEXINFINTECH HOLDINGS LTD
$296.37M$1.80$2.1217.78%Hold1N/AN/A34.92%14.65%
EZPW
EZCORP INC
$624.89M$11.33N/AN/AN/AN/A7.57%N/AN/AN/A
BFH
BREAD FINANCIAL HOLDINGS INC
$1.84B$37.24$34.88-6.35%Sell815.34%-4.51%N/AN/A
FINV
FINVOLUTION GROUP
$1.35B$5.04N/AN/AN/AN/AN/AN/AN/AN/A
IX
ORIX CORP
$27.22B$110.20N/AN/AN/AN/A31.38%49.96%71.69%16.94%
FCFS
FIRSTCASH HOLDINGS INC
$5.75B$127.54$130.502.32%Buy210.42%N/AN/AN/A
NRDS
NERDWALLET INC
$1.13B$14.70$18.0022.45%Buy59.08%N/AN/AN/A
BBDC
BARINGS BDC INC
$986.42M$9.30$8.75-5.91%Hold1-1.97%N/AN/AN/A
LC
LENDINGCLUB CORP
$970.51M$8.79$9.508.08%Strong Buy2-1.89%132.74%N/AN/A
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$20.77M$5.27N/AN/AN/AN/AN/AN/AN/AN/A
YRD
YIREN DIGITAL LTD
$395.63M$4.51N/AN/AN/AN/AN/AN/AN/AN/A
XYF
X FINANCIAL
$187.79M$3.86N/AN/AN/AN/AN/AN/AN/AN/A
CPSS
CONSUMER PORTFOLIO SERVICES INC
$159.74M$7.56N/AN/AN/AN/AN/AN/AN/AN/A
RWAY
RUNWAY GROWTH FINANCE CORP
$490.97M$12.12$13.057.67%Buy5-3.30%N/AN/AN/A
LMFA
LM FUNDING AMERICA INC
$8.94M$3.66N/AN/AN/AN/AN/AN/AN/AN/A
SNTG
SENTAGE HOLDINGS INC
$6.87M$2.45N/AN/AN/AN/AN/AN/AN/AN/A
SOFI
SOFI TECHNOLOGIES INC
$7.13B$7.30$9.0924.53%Hold1115.83%N/AN/AN/A
RM
REGIONAL MANAGEMENT CORP
$236.25M$24.21$30.0023.92%Hold15.68%N/AN/AN/A
NNI
NELNET INC
$3.51B$94.65$95.000.37%Hold1N/AN/AN/AN/A
WRLD
WORLD ACCEPTANCE CORP
$881.52M$144.98$56.00-61.37%Sell1-2.12%-2.29%N/AN/A
LU
LUFAX HOLDING LTD
$2.42B$4.22N/AN/AN/AN/AN/AN/AN/AN/A
PMTS
CPI CARD GROUP INC
$203.62M$17.86$31.5076.37%Strong Buy21.08%N/AN/AN/A
QD
QUDIAN INC
$510.19M$2.50N/AN/AN/AN/AN/AN/AN/AN/A
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$6.61M$0.30N/AN/AN/AN/AN/AN/AN/AN/A
UPST
UPSTART HOLDINGS INC
$2.32B$26.89$21.25-20.97%Sell415.20%N/AN/AN/A
AIHS
SENMIAO TECHNOLOGY LTD
$8.61M$0.90N/AN/AN/AN/AN/AN/AN/AN/A
OPFI
OPPFI INC
$277.29M$2.50$5.00100.00%Buy190.50%N/AN/AN/A
CACC
CREDIT ACCEPTANCE CORP
$6.79B$551.55$393.50-28.66%Hold27.54%N/AN/AN/A
OBDC
BLUE OWL CAPITAL CORP
$5.99B$15.38$15.500.78%Hold5-2.41%N/AN/AN/A
MCVT
MILL CITY VENTURES III LTD
$16.92M$2.65N/AN/AN/AN/AN/AN/AN/AN/A
GDOT
GREEN DOT CORP
$492.90M$9.33$11.1319.24%Hold46.07%N/AN/AN/A
OPRT
OPORTUN FINANCIAL CORP
$83.97M$2.43$5.13110.91%Hold4252.51%N/AN/AN/A
PAPL
PINEAPPLE FINANCIAL INC
$10.27M$1.43N/AN/AN/AN/AN/AN/AN/AN/A
NICK
NICHOLAS FINANCIAL INC
$49.56M$6.76N/AN/AN/AN/AN/AN/AN/AN/A
PRAA
PRA GROUP INC
$1.02B$26.08$33.0026.53%Buy119.81%N/AN/AN/A
FOA
FINANCE OF AMERICA COMPANIES INC
$70.97M$0.74$1.70131.29%Strong Buy2N/AN/A36.99%0.32%
MDBH
MDB CAPITAL HOLDINGS LLC
$95.28M$10.25N/AN/AN/AN/AN/AN/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$17.81M$1.10N/AN/AN/AN/AN/AN/AN/AN/A
GRYP
GRYPHON DIGITAL MINING INC
$763.78k$1.49N/AN/AN/AN/AN/AN/AN/A-1,912.81%
FUFU
BITFUFU INC
$21.64M$4.94N/AN/AN/AN/AN/AN/AN/AN/A
BCG
BINAH CAPITAL GROUP INC
N/A$12.95N/AN/AN/AN/AN/AN/AN/AN/A

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 -10.7% over the past year, underperforming other credit service stocks by -41 percentage points.

Open Lending has an average 1 year price target of $7.33, an upside of 17.14% from Open Lending's current stock price of $6.26.

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 lose -0.38% over the past year, underperforming other credit service stocks by -30 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 29.14% from Qifu Technology's current stock price of $18.43.

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 -7.85% 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 0.76% from PayPal's current stock price of $66.99.

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 11.55%, which is 8 percentage points higher than the credit service industry average of 3.89%. 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 11.08%, which is 7 percentage points higher than the credit service industry average of 3.89%. 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 not 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 8.44%, which is 5 percentage points higher than the credit service industry average of 3.89%.

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 0.75% in the last day, and down -0.18% over the last week. Binah Capital Group was the among the top gainers in the credit services industry, gaining 36.32% yesterday.

Binah Capital Group shares are trading higher following the stock's Nasdaq debut.

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 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 gained 11.75% in the past year. It has underperformed other stocks in the credit service industry by -18 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 58 points higher than the credit service industry average of 42. It passed 7 out of 7 valuation due diligence checks.

Slm's stock has gained 88.99% in the past year. It has overperformed other stocks in the credit service industry by 59 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 44 points higher than the credit service industry average of 42. It passed 6 out of 7 valuation due diligence checks.

Open Lending's stock has dropped -10.7% in the past year. It has underperformed other stocks in the credit service industry by -41 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 -8.3% 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 29.51x.
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.