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 +28.50% 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 65th 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
ATLC	ATLANTICUS HOLDINGS CORP	$1.59B	20.90%	1.90%	N/A	1.60%	10.46	N/A	100.00%	20.00%	28.39%
EZPW	EZCORP INC	$1.83B	13.90%	7.40%	12.05%	13.60%	0.88	4.71	58.60%	9.90%	15.46%
PMTS	CPI CARD GROUP INC	$241.79M	-56.90%	3.10%	16.28%	9.60%	-28.58	2.54	30.60%	2.20%	8.95%
ENVA	ENOVA INTERNATIONAL INC	$6.33B	25.80%	5.40%	N/A	7.80%	3.82	N/A	59.80%	10.30%	24.08%
OPFI	OPPFI INC	$800.13M	134.30%	9.20%	N/A	12.20%	4.98	N/A	70.30%	17.50%	30.70%
WRLD	WORLD ACCEPTANCE CORP	$834.38M	9.20%	3.20%	N/A	5.60%	2.00	N/A	100.00%	5.90%	16.18%
FCFS	FIRSTCASH HOLDINGS INC	$8.85B	17.10%	7.30%	13.11%	12.80%	1.36	4.89	50.50%	9.40%	16.14%
PRAA	PRA GROUP INC	$662.51M	-26.40%	-5.40%	N/A	0.30%	4.13	N/A	100.00%	-22.50%	2.00%
BFH	BREAD FINANCIAL HOLDINGS INC	$4.15B	16.90%	2.50%	N/A	3.10%	5.67	N/A	100.00%	21.20%	25.63%
RM	REGIONAL MANAGEMENT CORP	$297.15M	13.20%	2.40%	N/A	4.30%	4.52	N/A	100.00%	7.40%	22.94%
COF	CAPITAL ONE FINANCIAL CORP	$128.22B	9.00%	1.50%	N/A	2.20%	4.92	N/A	100.00%	21.10%	27.79%
LX	LEXINFINTECH HOLDINGS LTD	$242.07M	12.20%	6.30%	13.16%	13.70%	0.88	2.03	30.60%	10.80%	13.75%
IX	ORIX CORP	$45.31B	10.10%	2.50%	N/A	3.80%	2.99	N/A	44.20%	13.40%	26.25%
OPRT	OPORTUN FINANCIAL CORP	$253.39M	4.60%	0.60%	N/A	0.60%	6.99	N/A	100.00%	4.50%	8.73%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$202.23M	6.50%	0.50%	N/A	3.70%	11.89	N/A	78.80%	4.60%	60.55%
MA	MASTERCARD INC	$502.04B	232.50%	29.90%	64.00%	86.60%	9.28	1.06	100.00%	46.30%	59.63%
GDOT	GREEN DOT CORP	$743.08M	-7.70%	-1.20%	-5.66%	6.00%	6.07	0.50	39.40%	-3.30%	-2.61%
HAPN	HAPPEN INC	$2.21B	12.90%	1.70%	N/A	2.30%	7.01	N/A	100.00%	18.70%	23.88%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$2.47B	11.50%	0.60%	N/A	0.40%	20.19	N/A	100.00%	48.70%	68.27%
V	VISA INC	$672.28B	61.30%	23.40%	43.93%	114.90%	1.69	0.99	82.50%	50.80%	62.34%
FINV	FINVOLUTION GROUP	$1.16B	13.60%	8.60%	N/A	13.70%	0.56	N/A	77.30%	16.60%	20.69%
SEZL	SEZZLE INC	$5.20B	90.90%	37.70%	57.36%	60.50%	1.31	3.65	85.60%	30.80%	40.76%
QFIN	QFIN HOLDINGS INC	$1.69B	21.00%	8.70%	18.60%	18.40%	1.22	2.22	80.10%	27.50%	34.25%
VIP	VULCAN INFRASTRUCTURE & POWER INC	$35.40M	-12.10%	12.30%	-53.28%	14.60%	-1.92	0.50	14.00%	10.40%	11.83%
NAVI	NAVIENT CORP	$788.49M	-1.60%	-0.10%	N/A	-0.10%	19.18	N/A	100.00%	-18.20%	-22.42%
OMF	ONEMAIN HOLDINGS INC	$7.20B	23.10%	2.90%	N/A	2.20%	7.11	N/A	93.50%	26.20%	33.74%
SYF	SYNCHRONY FINANCIAL	$24.66B	20.40%	2.90%	N/A	3.90%	6.22	N/A	100.00%	34.70%	45.73%
ALLY	ALLY FINANCIAL INC	$13.18B	8.60%	0.70%	N/A	0.80%	11.90	N/A	93.30%	15.30%	19.71%
PYPL	PAYPAL HOLDINGS INC	$48.94B	24.40%	6.10%	17.08%	22.70%	3.17	1.29	40.50%	14.40%	17.18%
JCAP	JEFFERSON CAPITAL INC	$1.11B	36.50%	8.30%	N/A	10.10%	3.71	N/A	100.00%	25.40%	49.47%
XYF	X FINANCIAL	$193.47M	13.40%	7.40%	N/A	8.60%	0.75	N/A	45.50%	15.20%	19.01%
LU	LUFAX HOLDING LTD	$1.35B	-2.60%	-1.00%	N/A	-0.30%	1.58	N/A	100.00%	-7.70%	-2.60%
CACC	CREDIT ACCEPTANCE CORP	$5.95B	29.40%	5.20%	N/A	7.30%	4.74	N/A	71.40%	19.50%	45.37%
BBDC	BARINGS BDC INC	$863.83M	7.70%	3.30%	N/A	2.20%	1.25	N/A	57.40%	32.40%	33.86%
NNI	NELNET INC	$4.88B	11.40%	3.00%	N/A	2.60%	2.83	N/A	81.00%	25.10%	32.57%
AXP	AMERICAN EXPRESS CO	$227.07B	34.10%	3.80%	N/A	4.70%	7.99	N/A	100.00%	16.10%	20.82%
SOFI	SOFI TECHNOLOGIES INC	$20.92B	6.20%	1.20%	N/A	1.50%	3.97	N/A	83.60%	14.60%	16.38%
WU	WESTERN UNION CO	$1.98B	42.60%	4.90%	N/A	9.00%	7.71	N/A	35.10%	9.80%	16.19%
MFIN	MEDALLION FINANCIAL CORP	$237.07M	8.10%	1.10%	N/A	2.00%	5.99	N/A	100.00%	20.50%	36.79%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.02B	3.40%	1.70%	N/A	3.60%	1.09	N/A	87.90%	16.70%	53.67%
OBDC	BLUE OWL CAPITAL CORP	$5.34B	4.80%	2.10%	N/A	3.70%	1.24	N/A	77.30%	20.20%	53.46%
FOA	FINANCE OF AMERICA COMPANIES INC	$202.29M	9.80%	0.10%	N/A	0.10%	88.84	N/A	100.00%	6.90%	7.79%
SLM	SLM CORP	$4.89B	29.70%	2.50%	N/A	3.20%	10.55	N/A	100.00%	42.70%	58.28%
RWAY	RUNWAY GROWTH FINANCE CORP	$231.86M	-0.60%	-0.30%	N/A	2.90%	1.07	N/A	78.30%	-2.00%	31.42%
UPST	UPSTART HOLDINGS INC	$2.63B	6.60%	1.70%	N/A	1.30%	3.04	N/A	100.00%	4.30%	4.41%
HTT	HIGH TEMPLAR TECH LTD	$382.29M	6.10%	5.40%	6.36%	11.70%	0.17	5.75	7.10%	1,729.90%	1,804.78%
AIOS	AIOS TECH INC	$2.95M	-208.90%	-159.80%	-4,712.44%	-276.20%	0.09	12.26	72.00%	-4,359.10%	-4,357.78%
SUIG	SUI GROUP HOLDINGS LTD	$66.05M	-193.30%	-177.30%	-317.52%	-210.50%	0.18	0.77	100.00%	-9,055.10%	-9,038.02%
SNTG	SENTAGE HOLDINGS INC	$4.60M	-25.20%	-21.10%	-23.77%	-23.60%	0.25	2.14	91.20%	-3,305.20%	-3,305.24%
YRD	YIREN DIGITAL LTD	$97.10M	-7.20%	-4.90%	N/A	-7.60%	0.43	N/A	85.10%	-13.50%	-15.22%
PWCM	POWERCOMPUTE INC	$1.47M	-99.60%	-69.10%	-139.71%	-71.70%	1.09	1.13	28.80%	-387.10%	-351.79%
LPRO	OPEN LENDING CORP	$371.20M	-7.00%	-2.00%	1.04%	1.70%	2.07	4.44	77.20%	-5.90%	2.12%
DXF	EASON TECHNOLOGY LTD	$919.76M	-21.50%	-10.40%	-15.66%	-4,608.80%	0.81	0.77	49.60%	-109.20%	-99.31%
ANTA	ANTALPHA PLATFORM HOLDING CO	$73.18M	17.40%	1.00%	6.86%	1.30%	8.08	1.14	48.80%	22.70%	24.67%
AIHS	SENMIAO TECHNOLOGY LTD	$19.80M	N/A	-100.40%	209.17%	267.60%	-1.33	0.53	13.60%	-340.90%	-340.86%
JF	J & FRIENDS HOLDINGS LTD	$17.03M	N/A	-2.30%	-16.92%	0.70%	2.19	1.25	71.50%	-82.90%	-83.67%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Aug 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 56 with a Zen Rating of A. Stocks with a rating of A have had an average return of +28.5% 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 112.55% over the past year, overperforming other credit service stocks by 104 percentage points.

Atlanticus Holdings has an average 1 year price target of $123.50, an upside of 17.07% from Atlanticus Holdings's current stock price of $105.49.

Atlanticus Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 4 analysts covering Atlanticus Holdings, 75% have issued a Strong Buy rating, 25% 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 56 with a Zen Rating of A. Stocks with a rating of A have had an average return of +28.5% per year. Learn more.

The Component Grade breakdown for Ezcorp (NASDAQ:EZPW) is: Value: C, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: C.

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

EZPW passed 17 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 107.89% over the past year, overperforming other credit service stocks by 99 percentage points.

Ezcorp has an average 1 year price target of $37.50, an upside of 25.97% from Ezcorp's current stock price of $29.77.

Ezcorp stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 4 analysts covering Ezcorp, 50% have issued a Strong Buy rating, 25% have issued a Buy, 25% 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 +28.5% per year. Learn more.

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

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 26, which is -8 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 10 out of 38 due diligence checks and has average fundamentals. Cpi Card Group has seen its stock return 8.55% over the past year.

Cpi Card Group has an average 1 year price target of $30.00, an upside of 42.38% from Cpi Card Group's current stock price of $21.07.

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 24.73%, which is 18 percentage points higher than the credit service industry average of 6.71%. 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 23.59%, which is 17 percentage points higher than the credit service industry average of 6.71%.

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

3. Western Union Co (NYSE:WU)

Western Union Co (NYSE:WU) has an annual dividend yield of 14.78%, which is 8 percentage points higher than the credit service industry average of 6.71%. Western Union Co's dividend payout is stable, having never dropped by more than 10% in the last 10 years. Western Union Co's dividend has shown consistent growth over the last 10 years.

Western Union Co's dividend payout ratio of 75.2% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.19% in the last day, and up 2.24% 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 32 points higher than the credit service industry average of 39. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -59.57% in the past year. It has underperformed other stocks in the credit service industry by -68 percentage points.

2. Regional Management (NYSE:RM)

Regional Management (NYSE:RM) 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.

Regional Management has a valuation score of 71, which is 32 points higher than the credit service industry average of 39. It passed 5 out of 7 valuation due diligence checks.

Regional Management's stock has dropped -2.92% in the past year. It has underperformed other stocks in the credit service industry by -12 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 32 points higher than the credit service industry average of 39. It passed 5 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -20.99% in the past year. It has underperformed other stocks in the credit service industry by -30 percentage points.

Are credit service stocks a good buy now?

40.54% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 18.09% over the next year.

12.5% of credit service stocks have a Zen Rating of A (Strong Buy), 8.33% of credit service stocks are rated B (Buy), 64.58% are rated C (Hold), 10.42% are rated D (Sell), and 4.17% 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 26.04x.

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 +28.50% 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. Western Union Co (NYSE:WU)

1. Qfin Holdings (NASDAQ:QFIN)

2. Regional Management (NYSE:RM)

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 +28.50% 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. Western Union Co (NYSE:WU)

1. Qfin Holdings (NASDAQ:QFIN)

2. Regional Management (NYSE:RM)

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 +28.50% per year, and are the best credit service stocks to buy now. Learn More.