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 C and is the 60th 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	$705.69M	73.20%	3.80%	N/A	8.10%	7.61	N/A	70.70%	6.90%	19.83%
EZPW	EZCORP INC	$1.59B	12.50%	6.40%	10.72%	11.80%	0.86	6.03	58.60%	9.20%	14.42%
PMTS	CPI CARD GROUP INC	$170.42M	-58.80%	3.80%	16.95%	10.40%	-24.26	2.44	31.30%	2.80%	9.95%
ENVA	ENOVA INTERNATIONAL INC	$3.35B	24.40%	5.20%	N/A	7.90%	3.84	N/A	58.10%	9.80%	23.49%
ATLC	ATLANTICUS HOLDINGS CORP	$730.01M	19.50%	2.10%	N/A	1.70%	11.47	N/A	100.00%	20.10%	28.95%
FCFS	FIRSTCASH HOLDINGS INC	$8.30B	15.20%	6.80%	11.63%	12.50%	1.33	4.55	50.30%	9.00%	15.54%
BFH	BREAD FINANCIAL HOLDINGS INC	$3.01B	16.10%	2.30%	N/A	2.80%	5.81	N/A	100.00%	19.90%	23.51%
RM	REGIONAL MANAGEMENT CORP	$290.46M	12.10%	2.20%	N/A	4.20%	4.64	N/A	100.00%	6.90%	22.09%
MA	MASTERCARD INC	$450.13B	198.50%	28.90%	61.47%	81.50%	6.00	1.04	100.00%	45.60%	58.86%
OMF	ONEMAIN HOLDINGS INC	$5.77B	23.40%	2.90%	N/A	2.20%	7.05	N/A	93.20%	26.90%	34.45%
JCAP	JEFFERSON CAPITAL INC	$1.11B	42.70%	10.20%	N/A	10.90%	3.38	N/A	100.00%	30.60%	52.87%
IX	ORIX CORP	$33.74B	10.90%	2.70%	N/A	3.80%	2.92	N/A	43.10%	15.00%	27.11%
LC	LENDINGCLUB CORP	$1.60B	9.50%	1.20%	N/A	1.80%	6.71	N/A	100.00%	13.60%	17.72%
FINV	FINVOLUTION GROUP	$1.38B	17.80%	11.20%	N/A	18.40%	0.58	N/A	80.60%	20.00%	24.28%
SYF	SYNCHRONY FINANCIAL	$22.25B	20.60%	2.90%	N/A	3.90%	6.10	N/A	100.00%	35.60%	46.51%
SEZL	SEZZLE INC	$2.26B	91.60%	37.60%	56.98%	64.30%	1.36	3.92	85.40%	29.60%	39.29%
UPST	UPSTART HOLDINGS INC	$2.73B	7.30%	2.00%	N/A	1.60%	2.72	N/A	100.00%	5.10%	5.20%
AXP	AMERICAN EXPRESS CO	$204.75B	33.50%	3.70%	N/A	4.60%	7.96	N/A	100.00%	16.20%	20.60%
ALLY	ALLY FINANCIAL INC	$11.11B	5.00%	0.40%	N/A	0.50%	11.65	N/A	92.20%	9.40%	11.89%
MFIN	MEDALLION FINANCIAL CORP	$221.18M	10.00%	1.40%	N/A	2.40%	5.99	N/A	100.00%	23.90%	40.95%
OPRT	OPORTUN FINANCIAL CORP	$193.13M	6.70%	0.80%	N/A	0.80%	7.35	N/A	100.00%	6.20%	10.86%
V	VISA INC	$571.35B	54.20%	21.40%	38.76%	113.90%	1.50	1.11	83.30%	50.20%	61.18%
XYF	X FINANCIAL	$182.04M	23.90%	13.70%	N/A	16.10%	0.85	N/A	43.60%	22.80%	28.56%
SLM	SLM CORP	$3.97B	30.50%	2.50%	N/A	3.10%	11.14	N/A	100.00%	44.10%	60.09%
LX	LEXINFINTECH HOLDINGS LTD	$442.64M	16.10%	8.10%	17.58%	17.40%	0.95	1.80	36.00%	13.30%	16.40%
PRAA	PRA GROUP INC	$657.94M	-27.30%	-5.90%	N/A	-0.10%	4.15	N/A	100.00%	-25.40%	-0.55%
NNI	NELNET INC	$4.61B	12.00%	3.10%	N/A	2.70%	2.85	N/A	81.00%	25.50%	33.13%
COF	CAPITAL ONE FINANCIAL CORP	$112.43B	2.20%	0.40%	N/A	0.50%	4.89	N/A	100.00%	6.70%	8.07%
YRD	YIREN DIGITAL LTD	$310.04M	12.70%	8.90%	N/A	13.30%	0.49	N/A	88.20%	20.20%	21.01%
PYPL	PAYPAL HOLDINGS INC	$41.82B	25.90%	6.50%	18.65%	23.70%	2.96	1.29	41.50%	15.80%	18.97%
QFIN	QFIN HOLDINGS INC	$1.82B	28.80%	12.20%	19.21%	24.00%	1.53	2.94	82.00%	35.10%	41.70%
LPRO	OPEN LENDING CORP	$183.57M	-5.50%	-1.50%	2.29%	3.40%	2.16	4.52	76.90%	-4.50%	4.61%
CACC	CREDIT ACCEPTANCE CORP	$4.78B	26.60%	4.80%	N/A	7.00%	4.67	N/A	70.30%	18.30%	44.38%
HTT	HIGH TEMPLAR TECH LTD	$421.72M	6.10%	5.40%	6.36%	11.70%	0.17	5.74	7.10%	1,729.90%	1,804.76%
WU	WESTERN UNION CO	$2.97B	53.90%	6.20%	N/A	10.50%	7.67	N/A	37.00%	12.30%	18.98%
SOFI	SOFI TECHNOLOGIES INC	$22.48B	5.90%	1.10%	N/A	1.30%	3.83	N/A	83.10%	13.30%	14.55%
WRLD	WORLD ACCEPTANCE CORP	$658.09M	10.80%	4.00%	N/A	6.20%	2.25	N/A	100.00%	7.50%	17.84%
BBDC	BARINGS BDC INC	$847.08M	8.70%	3.70%	N/A	2.50%	1.27	N/A	57.60%	36.50%	37.89%
NAVI	NAVIENT CORP	$785.44M	-2.10%	-0.20%	N/A	-0.10%	5.81	N/A	100.00%	-24.20%	-33.64%
BRR	PROCAP FINANCIAL INC	$235.25M	-27.60%	-13.00%	-4.47%	-12.60%	0.52	87.21	100.00%	-34,132.80%	-33,504.52%
FOA	FINANCE OF AMERICA COMPANIES INC	$150.43M	14.70%	0.10%	N/A	0.10%	93.67	N/A	100.00%	9.10%	9.80%
RWAY	RUNWAY GROWTH FINANCE CORP	$243.54M	6.90%	3.40%	N/A	5.30%	0.98	N/A	78.00%	24.80%	56.51%
OBDC	BLUE OWL CAPITAL CORP	$5.55B	8.20%	3.60%	N/A	4.60%	1.32	N/A	77.60%	33.90%	66.88%
LU	LUFAX HOLDING LTD	$1.96B	-4.60%	-1.80%	N/A	-1.10%	1.47	N/A	100.00%	-15.80%	-9.22%
OCSL	OAKTREE SPECIALTY LENDING CORP	$949.56M	2.20%	1.10%	N/A	3.30%	1.16	N/A	88.10%	10.60%	47.54%
GDOT	GREEN DOT CORP	$591.79M	-10.80%	-1.70%	-9.53%	8.20%	5.72	0.53	40.90%	-4.80%	-4.38%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.63B	11.30%	0.50%	N/A	0.40%	19.58	N/A	100.00%	48.60%	68.10%
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%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$173.65M	6.30%	0.50%	N/A	3.70%	11.46	N/A	78.00%	4.40%	59.85%
ANTA	ANTALPHA PLATFORM HOLDING CO	$174.15M	19.60%	0.90%	1.26%	1.20%	18.42	1.16	49.10%	23.20%	26.14%
JF	J AND FRIENDS HOLDINGS LTD	$15.28M	N/A	-11.30%	3.44%	3.20%	-1.16	0.18	64.00%	-33.50%	-38.29%
DXF	EASON TECHNOLOGY LTD	$352.92M	N/A	-283.40%	-1,780.86%	-1,468.40%	1.53	0.57	77.70%	-4,077.00%	-4,056.14%
SNTG	SENTAGE HOLDINGS INC	$5.41M	-16.40%	-14.40%	-15.49%	-16.50%	0.18	5.86	92.50%	-1,560.30%	-1,560.26%
AIOS	AIOS TECH INC	$3.45M	-42.90%	-29.60%	-48.24%	-49.60%	0.61	2.69	-667.40%	-31.20%	-29.86%
LMFA	LM FUNDING AMERICA INC	$4.04M	-33.20%	-27.40%	-12.27%	-14.60%	0.23	1.84	37.80%	-147.70%	-72.86%
AIHS	SENMIAO TECHNOLOGY LTD	$7.34M	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 Mar 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: D, Sentiment: C, Safety: C, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 47, which is 12 points higher than the credit service industry average of 35.

OPFI passed 18 out of 38 due diligence checks and has strong fundamentals. Oppfi has seen its stock lose -10.38% over the past year, underperforming other credit service stocks by -9 percentage points.

2. Ezcorp (NASDAQ:EZPW)

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

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

EZPW passed 15 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 86.82% over the past year, overperforming other credit service stocks by 88 percentage points.

Ezcorp has an average 1 year price target of $26.67, an upside of 3.36% from Ezcorp's current stock price of $25.80.

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 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 -48.4% over the past year, underperforming other credit service stocks by -47 percentage points.

Cpi Card Group has an average 1 year price target of $27.67, an upside of 86.06% from Cpi Card Group's current stock price of $14.87.

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 24 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 25.67%, which is 20 percentage points higher than the credit service industry average of 5.95%. 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.

2. Oaktree Specialty Lending (NASDAQ:OCSL)

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 15.03%, which is 9 percentage points higher than the credit service industry average of 5.95%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% six 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 469.4% 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 14.09%, which is 8 percentage points higher than the credit service industry average of 5.95%. 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 not shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 122.7% 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 0.15% in the last day, and down -4.63% over the last week. Upstart Holdings was the among the top gainers in the credit services industry, gaining 5.42% yesterday.

Upstart shares are trading higher after BTIG upgraded the stock from Neutral to Buy.

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 25 points higher than the credit service industry average of 46. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -70.44% in the past year. It has underperformed other stocks in the credit service industry by -69 percentage points.

2. Cpi Card Group (NASDAQ:PMTS)

Cpi Card Group (NASDAQ:PMTS) 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.

Cpi Card Group has a valuation score of 86, which is 40 points higher than the credit service industry average of 46. It passed 6 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -48.4% in the past year. It has underperformed other stocks in the credit service industry by -47 percentage points.

3. Bread Financial Holdings (NYSE:BFH)

Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings has a valuation score of 57, which is 11 points higher than the credit service industry average of 46. It passed 4 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 45.79% in the past year. It has overperformed other stocks in the credit service industry by 47 percentage points.

Are credit service stocks a good buy now?

35.14% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 28.87% over the next year.

6.25% of credit service stocks have a Zen Rating of A (Strong Buy), 12.5% of credit service stocks are rated B (Buy), 64.58% are rated C (Hold), 14.58% are rated D (Sell), and 2.08% 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 27.22x.

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. Ezcorp (NASDAQ:EZPW)

3. Cpi Card Group (NASDAQ:PMTS)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Cpi Card Group (NASDAQ:PMTS)

3. Bread Financial Holdings (NYSE:BFH)

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. Ezcorp (NASDAQ:EZPW)

3. Cpi Card Group (NASDAQ:PMTS)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Cpi Card Group (NASDAQ:PMTS)

3. Bread Financial Holdings (NYSE:BFH)

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.