Sectors & Industries Financial ServicesCredit Services
Best Credit Service Stocks to Buy Now (2025)
Top credit service stocks in 2025 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

Value Growth Financials Momentum Sentiment Forecast Dividends Due Diligence

Credit Services is Zen Rated A and is the 19th ranked industry out of 145 stock market industries

Ticker	Company	Price	1d %	1w %	1m %	3m %	6m %	1y %	3y %	5y %	10y %	52-week High	52-week Low	% off 52-week High	% off 52-week Low	Beta	Volume	Vol 1d %
PMTS	CPI CARD GROUP INC	$26.06	-0.31%	0.12%	-10.54%	-8.00%	19.38%	48.32%	128.00%	3,909.23%	N/A	$35.19	$17.23	25.94%	51.25%	1.04	19,098	16.90%
OPFI	OPPFI INC	$9.60	2.67%	2.45%	2.89%	-30.28%	90.10%	254.24%	200.94%	N/A	N/A	$17.73	$2.63	45.85%	265.02%	1.16	503,525	-41.21%
FINV	FINVOLUTION GROUP	$7.99	1.01%	3.50%	-20.97%	6.25%	34.51%	64.07%	112.50%	348.88%	N/A	$11.08	$4.63	27.89%	72.57%	0.89	564,765	-22.84%
LX	LEXINFINTECH HOLDINGS LTD	$7.72	-1.66%	-7.54%	-24.61%	0.00%	141.25%	359.52%	190.23%	1.05%	N/A	$11.64	$1.57	33.65%	391.72%	1.31	673,128	-53.61%
ENVA	ENOVA INTERNATIONAL INC	$91.60	-0.21%	-6.92%	-8.33%	-17.36%	4.60%	50.04%	140.55%	572.05%	388.79%	$117.56	$57.46	22.08%	59.42%	1.43	315,660	-45.54%
XYF	X FINANCIAL	$13.33	-4.65%	-7.24%	-6.13%	63.76%	103.51%	259.30%	351.86%	367.72%	N/A	$17.70	$3.68	24.69%	262.23%	0.67	132,522	98.11%
OPRT	OPORTUN FINANCIAL CORP	$5.12	0.00%	1.59%	-7.41%	10.82%	91.04%	57.06%	-57.23%	-27.07%	N/A	$9.25	$2.37	44.62%	116.49%	1.48	234,835	4.91%
ATLC	ATLANTICUS HOLDINGS CORP	$53.80	-1.86%	-3.93%	5.45%	-3.93%	44.31%	101.05%	17.31%	247.10%	1,755.17%	$64.70	$23.10	16.85%	132.95%	1.58	29,193	-58.38%
NNI	NELNET INC	$105.71	-0.36%	-1.18%	-4.71%	-3.57%	-7.68%	11.72%	31.02%	125.92%	136.65%	$127.32	$95.60	16.97%	10.58%	0.68	68,538	-5.61%
EZPW	EZCORP INC	$15.67	-4.28%	-4.33%	0.97%	31.35%	35.55%	42.07%	128.43%	202.51%	86.33%	$16.60	$9.66	5.60%	62.30%	0.63	2,858,719	-1.80%
FCFS	FIRSTCASH HOLDINGS INC	$132.65	-0.98%	0.71%	9.58%	22.39%	25.05%	15.62%	74.17%	93.17%	174.18%	$134.85	$100.24	1.63%	32.33%	0.73	250,277	-53.00%
RM	REGIONAL MANAGEMENT CORP	$27.61	-16.16%	-17.70%	-9.59%	-23.35%	-3.19%	9.17%	-37.21%	90.81%	63.08%	$37.52	$25.41	26.41%	8.66%	1.17	120,914	196.74%
QFIN	QIFU TECHNOLOGY INC	$40.37	-1.61%	-1.82%	-8.85%	1.05%	23.91%	117.39%	178.03%	348.56%	N/A	$48.94	$18.13	17.51%	122.67%	1.25	656,501	-41.19%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$8.59	-6.93%	-2.39%	1.78%	-26.52%	-14.19%	-1.83%	-28.42%	195.19%	29.76%	$12.73	$7.03	32.52%	22.19%	1.08	6,941	-70.78%
OMF	ONEMAIN HOLDINGS INC	$47.59	1.10%	-2.26%	-3.02%	-12.76%	-4.40%	-6.25%	1.67%	111.61%	-2.56%	$58.90	$38.00	19.20%	25.24%	1.39	1,076,947	-51.10%
WRLD	WORLD ACCEPTANCE CORP	$131.35	1.73%	-3.21%	1.37%	-5.90%	14.60%	-5.37%	-32.56%	122.55%	51.78%	$161.63	$101.85	18.73%	28.97%	1.41	16,204	-57.07%
MA	MASTERCARD INC	$546.63	-0.26%	2.09%	-0.34%	-3.07%	7.59%	23.65%	52.25%	103.40%	499.05%	$582.23	$428.86	6.11%	27.46%	1.03	2,822,404	-25.40%
GDOT	GREEN DOT CORP	$8.23	-1.67%	1.98%	-3.74%	-5.18%	-26.97%	-9.46%	-70.20%	-71.27%	-49.63%	$13.58	$6.13	39.40%	34.37%	1.26	408,564	-7.60%
IX	ORIX CORP	$20.08	0.10%	-1.08%	-3.60%	-4.87%	-5.39%	-0.84%	11.20%	74.46%	29.53%	$25.17	$17.75	20.22%	13.13%	0.75	191,567	-42.21%
SEZL	SEZZLE INC	$52.03	0.15%	9.72%	43.18%	35.39%	46.56%	528.76%	N/A	N/A	N/A	$79.59	$6.73	34.63%	672.88%	2.96	613,288	-36.28%
YRD	YIREN DIGITAL LTD	$6.55	0.15%	-0.46%	-9.41%	18.87%	13.52%	25.96%	234.18%	77.03%	N/A	$9.20	$4.12	28.80%	58.98%	1.03	32,991	-67.96%
UPST	UPSTART HOLDINGS INC	$47.69	-0.23%	2.10%	3.67%	-24.51%	-1.63%	108.53%	-42.95%	N/A	N/A	$96.43	$20.60	50.54%	131.50%	2.80	4,898,121	6.78%
CACC	CREDIT ACCEPTANCE CORP	$467.79	-4.03%	-3.90%	-10.65%	-8.38%	12.09%	-5.03%	-9.62%	55.00%	102.51%	$614.96	$409.22	23.93%	14.31%	1.24	195,923	192.27%
PRAA	PRA GROUP INC	$18.39	0.49%	0.16%	-13.86%	-15.64%	-11.76%	-24.26%	-56.12%	-31.61%	-66.32%	$28.64	$15.94	35.79%	15.37%	0.83	168,743	-42.20%
PYPL	PAYPAL HOLDINGS INC	$65.41	-0.65%	0.99%	-1.04%	-26.92%	-15.33%	-1.10%	-28.54%	-45.77%	N/A	$93.66	$55.85	30.16%	17.12%	1.40	10,000,050	-2.85%
RWAY	RUNWAY GROWTH FINANCE CORP	$9.08	-0.55%	-2.21%	-14.02%	-20.77%	-9.11%	-29.50%	-36.41%	N/A	N/A	$13.50	$8.35	32.74%	8.74%	0.59	217,130	-48.83%
MFIN	MEDALLION FINANCIAL CORP	$8.86	0.68%	0.45%	1.37%	-1.12%	-7.71%	14.18%	7.39%	285.22%	-15.70%	$10.50	$6.48	15.62%	36.73%	0.88	64,988	87.06%
DFS	DISCOVER FINANCIAL SERVICES	$182.55	-0.07%	-2.62%	7.06%	-8.11%	20.65%	47.72%	61.15%	341.26%	207.79%	$205.76	$119.95	11.28%	52.19%	1.37	1,251,616	-56.27%
V	VISA INC	$342.45	-0.88%	2.01%	-1.13%	-0.97%	17.79%	28.10%	61.89%	95.05%	420.68%	$366.54	$252.70	6.57%	35.52%	0.91	5,803,901	-39.08%
BFH	BREAD FINANCIAL HOLDINGS INC	$47.79	0.72%	-2.29%	-4.74%	-24.30%	-5.83%	24.52%	-13.33%	3.04%	-83.99%	$66.71	$38.21	28.36%	25.07%	1.64	659,209	-33.29%
SLM	SLM CORP	$29.99	3.74%	6.57%	1.25%	7.07%	38.20%	41.13%	77.14%	270.70%	191.17%	$32.65	$19.39	8.13%	54.67%	1.14	3,118,699	18.39%
COF	CAPITAL ONE FINANCIAL CORP	$180.22	-0.02%	-2.61%	1.12%	-10.30%	9.96%	27.24%	42.31%	192.66%	119.97%	$210.67	$128.23	14.45%	40.55%	1.35	3,222,612	-22.74%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$175.10	-0.13%	-0.98%	-6.20%	-10.31%	-5.02%	-7.78%	70.66%	175.01%	454.11%	$217.60	$159.64	19.53%	9.69%	0.90	30,876	-39.57%
SYF	SYNCHRONY FINANCIAL	$52.31	0.69%	0.75%	-1.78%	-22.55%	-5.32%	18.99%	40.13%	182.60%	65.96%	$70.93	$40.55	26.25%	29.02%	1.41	3,294,901	-19.90%
SOFI	SOFI TECHNOLOGIES INC	$12.51	0.00%	1.62%	5.04%	-18.77%	13.32%	80.78%	97.63%	N/A	N/A	$18.42	$6.01	32.08%	108.15%	1.99	69,279,547	-19.83%
OBDC	BLUE OWL CAPITAL CORP	$13.86	-1.07%	-2.74%	-6.35%	-8.09%	-6.22%	-13.59%	-1.56%	10.53%	N/A	$16.91	$12.11	18.04%	14.45%	0.67	1,909,373	2.86%
AXP	AMERICAN EXPRESS CO	$268.54	0.80%	0.46%	-0.72%	-15.16%	-1.52%	16.02%	56.47%	204.05%	245.70%	$326.28	$220.43	17.70%	21.83%	1.22	2,159,265	-38.70%
WU	WESTERN UNION CO	$9.66	-2.52%	-5.11%	-8.44%	-5.94%	-10.06%	-26.20%	-44.58%	-47.84%	-54.54%	$13.60	$9.00	28.97%	7.33%	0.72	7,821,266	-19.95%
FOA	FINANCE OF AMERICA COMPANIES INC	$20.48	-1.92%	1.49%	-1.82%	-16.37%	67.73%	293.77%	-9.78%	-79.46%	N/A	$32.40	$4.10	36.79%	399.15%	0.80	51,710	-38.95%
OCSL	OAKTREE SPECIALTY LENDING CORP	$13.27	-7.85%	-8.92%	-13.94%	-16.80%	-16.85%	-31.95%	-37.17%	9.49%	-38.48%	$19.80	$12.50	32.98%	6.16%	0.58	2,099,912	281.42%
BBDC	BARINGS BDC INC	$8.61	-1.15%	-2.49%	-9.46%	-14.58%	-10.22%	-9.37%	-13.55%	30.06%	-64.11%	$10.85	$7.66	20.65%	12.40%	0.55	364,588	12.89%
NAVI	NAVIENT CORP	$12.53	1.21%	5.21%	-0.71%	-7.46%	-10.44%	-18.74%	-21.29%	78.36%	-36.52%	$16.97	$10.53	26.14%	18.99%	1.23	710,961	-44.51%
ALLY	ALLY FINANCIAL INC	$32.29	-1.13%	-2.71%	-11.99%	-15.27%	-6.60%	-16.26%	-20.47%	107.39%	46.77%	$45.46	$29.52	28.97%	9.38%	1.44	2,383,602	-44.58%
LC	LENDINGCLUB CORP	$9.89	1.23%	-9.02%	-5.90%	-23.69%	-30.40%	9.89%	-37.01%	36.23%	-88.93%	$18.75	$7.81	47.25%	26.63%	2.02	2,712,925	-41.08%
LU	LUFAX HOLDING LTD	$2.81	-3.10%	-4.75%	-5.07%	18.57%	7.66%	-36.14%	-87.39%	N/A	N/A	$4.83	$2.00	41.82%	40.50%	1.12	2,679,239	-28.76%
QD	QUDIAN INC	$2.63	-3.31%	-0.75%	-0.75%	-4.71%	9.13%	9.58%	143.52%	64.38%	N/A	$3.34	$1.52	21.26%	73.03%	1.24	93,842	-79.59%
DXF	EASON TECHNOLOGY LTD	$6.25	-1.11%	-3.10%	-14.50%	-76.95%	7,002.27%	2,559.57%	1,162.63%	1,137.62%	10.23%	$48.26	$0.07	87.05%	8,702.82%	1.15	69,347	-49.14%
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$5.09	1.39%	-12.32%	-26.76%	-16.97%	-34.83%	-28.61%	-22.91%	-94.53%	N/A	$22.55	$3.14	77.43%	62.00%	1.08	116,480	-55.65%
LPRO	OPEN LENDING CORP	$1.28	3.23%	0.00%	9.40%	-79.08%	-78.08%	-75.05%	-90.96%	-87.51%	N/A	$6.97	$0.70	81.64%	82.86%	1.46	1,655,087	-24.52%
PT	PINTEC TECHNOLOGY HOLDINGS LTD	$0.97	-3.40%	-5.29%	-6.21%	1.47%	-3.40%	-10.64%	-68.40%	-84.54%	N/A	$1.19	$0.71	18.82%	35.86%	0.54	5,882	-79.16%
AIHS	SENMIAO TECHNOLOGY LTD	$0.91	5.11%	3.55%	0.00%	-1.20%	1.69%	-10.40%	-16.97%	-74.93%	N/A	$1.45	$0.77	37.59%	17.53%	0.52	8,696	143.31%
SNTG	SENTAGE HOLDINGS INC	$1.63	-3.04%	-3.04%	-10.98%	-11.95%	-23.52%	-10.49%	-56.56%	N/A	N/A	$3.97	$1.43	58.97%	14.32%	0.55	339	-95.40%
LMFA	LM FUNDING AMERICA INC	$1.66	11.41%	16.08%	30.71%	-9.29%	-39.64%	-30.46%	-88.13%	-91.09%	N/A	$6.11	$1.02	72.84%	62.43%	1.64	57,425	-5.18%
OMCC	OLD MARKET CAPITAL CORP	$5.71	0.00%	-4.03%	-8.05%	-7.46%	-4.36%	-14.94%	-43.69%	1.53%	-54.61%	$7.55	$5.29	24.37%	7.94%	0.44	346	-69.81%
MCVT	MILL CITY VENTURES III LTD	$1.56	-0.32%	11.07%	-3.05%	-48.34%	-24.51%	-37.80%	N/A	N/A	N/A	$3.88	$1.13	59.92%	37.61%	0.70	8,470	52.50%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in May 2025?

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. Cpi Card Group (NASDAQ:PMTS)

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

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 13, which is -22 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 5 out of 38 due diligence checks and has weak fundamentals. Cpi Card Group has seen its stock return 48.32% over the past year, overperforming other credit service stocks by 31 percentage points.

Cpi Card Group has an average 1 year price target of $37.25, an upside of 42.94% from Cpi Card Group's current stock price of $26.06.

Cpi Card Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 4 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.

2. Oppfi (NYSE:OPFI)

Oppfi (NYSE:OPFI) 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 Oppfi (NYSE:OPFI) is: Value: C, Growth: B, Momentum: B, Sentiment: B, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 49, which is 14 points higher than the credit service industry average of 35.

OPFI passed 19 out of 38 due diligence checks and has strong fundamentals. Oppfi has seen its stock return 254.24% over the past year, overperforming other credit service stocks by 237 percentage points.

Oppfi has an average 1 year price target of $10.00, an upside of 4.17% from Oppfi's current stock price of $9.60.

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.

3. Finvolution Group (NYSE:FINV)

Finvolution Group (NYSE:FINV) 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 Finvolution Group (NYSE:FINV) is: Value: B, Growth: C, Momentum: A, Sentiment: C, Safety: A, Financials: C, and AI: B.

Finvolution Group (NYSE:FINV) has a Due Diligence Score of 27, which is -8 points lower than the credit service industry average of 35. Although this number is below the industry average, our proven quant model rates FINV as a "A".

FINV passed 10 out of 38 due diligence checks and has average fundamentals. Finvolution Group has seen its stock return 64.07% over the past year, overperforming other credit service stocks by 47 percentage points.

Finvolution Group has an average 1 year price target of $11.40, an upside of 42.68% from Finvolution Group's current stock price of $7.99.

Finvolution Group stock has a consensus Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Finvolution Group, 50% have issued a Strong Buy rating, 0% have issued a Buy, 50% 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 23 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

1. Finvolution Group (NYSE:FINV)

Finvolution Group (NYSE:FINV) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 3.89%. Finvolution Group's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Finvolution Group's dividend has shown consistent growth over the last 10 years.

Finvolution Group's dividend payout ratio of 0% indicates that its dividend yield might not be sustainable for the long-term.

2. Oaktree Specialty Lending (NASDAQ:OCSL)

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 15.98%, which is 12 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 323.5% indicates that its high dividend yield might not be sustainable for the long-term.

3. Barings Bdc (NYSE:BBDC)

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 9.64%, which is 6 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% three 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 100% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -0.9% in the last day, and down -0.92% over the last week. Regional Management was the among the top losers in the credit services industry, dropping -16.16% yesterday.

Regional Management shares are trading lower after the company reported worse-than-expected Q1 EPS 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. Bread Financial Holdings (NYSE:BFH)

Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings has a valuation score of 71, which is 26 points higher than the credit service industry average of 45. It passed 5 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 24.52% in the past year. It has overperformed other stocks in the credit service industry by 8 percentage points.

2. Orix (NYSE:IX)

Orix (NYSE:IX) 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.

Orix has a valuation score of 14, which is -31 points higher than the credit service industry average of 45. It passed 1 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates IX a Valuation Rating of "A".

Orix's stock has dropped -0.84% in the past year. It has underperformed other stocks in the credit service industry by -18 percentage points.

3. Yiren Digital (NYSE:YRD)

Yiren Digital (NYSE:YRD) 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.

Yiren Digital has a valuation score of 71, which is 26 points higher than the credit service industry average of 45. It passed 5 out of 7 valuation due diligence checks.

Yiren Digital's stock has gained 25.96% in the past year. It has overperformed other stocks in the credit service industry by 9 percentage points.

Are credit service stocks a good buy now?

35.14% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 16.86% over the next year.

22.45% of credit service stocks have a Zen Rating of A (Strong Buy), 12.24% of credit service stocks are rated B (Buy), 53.06% are rated C (Hold), 6.12% are rated D (Sell), and 6.12% 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 29.37x.

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.