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 66th ranked industry out of 145 stock market industries

Ticker	Company	Price	Volume	Vol 1d %	SMA 10	SMA 20	SMA 50	SMA 100	SMA 200	RSI	Stochastic %K	Stochastic %D	StochRSI %K	StochRSI %D	MACD	MACD Signal	MACD Histogram	Beta
PMTS	CPI CARD GROUP INC	$23.69	231,000	239.71%	26.23	25.80	26.03	23.91	19.55	37.65	31.52	35.27	24.43	25.16	0.01	0.18	-0.16	1.01
OPRT	OPORTUN FINANCIAL CORP	$9.92	889,000	32.10%	9.55	9.20	8.43	7.28	6.24	70.03	85.46	90.92	85.29	82.04	0.43	0.38	0.05	1.47
ATLC	ATLANTICUS HOLDINGS CORP	$93.13	70,000	-33.96%	91.27	92.12	92.19	96.16	80.56	51.86	72.48	68.87	74.26	74.12	0.02	-0.42	0.44	1.64
PRAA	PRA GROUP INC	$19.74	260,000	0.39%	19.65	19.82	19.65	18.79	17.60	50.57	41.71	36.73	49.67	42.21	-0.03	-0.00	-0.03	0.90
RM	REGIONAL MANAGEMENT CORP	$39.21	169,000	67.33%	34.50	34.14	32.92	35.51	35.30	75.58	72.64	58.67	100.00	77.87	0.95	0.47	0.48	1.03
ENVA	ENOVA INTERNATIONAL INC	$173.94	229,000	-2.14%	175.16	176.84	191.54	213.51	183.86	43.89	60.08	66.18	77.06	84.39	-3.86	-5.23	1.37	1.33
EZPW	EZCORP INC	$28.74	720,000	-32.33%	29.83	31.00	31.51	31.40	29.65	39.03	14.31	19.89	10.63	14.93	-0.70	-0.34	-0.37	0.59
WRLD	WORLD ACCEPTANCE CORP	$165.43	36,800	-52.52%	168.73	171.72	178.19	185.01	163.61	39.94	33.77	44.86	51.34	69.88	-2.65	-2.72	0.08	1.43
CPSS	CONSUMER PORTFOLIO SERVICES INC	$10.01	18,300	-51.20%	9.59	9.39	9.34	9.38	9.03	60.69	89.01	87.94	87.86	82.04	0.18	0.07	0.10	1.08
BFH	BREAD FINANCIAL HOLDINGS INC	$107.16	586,000	-4.56%	104.09	102.34	103.83	104.31	91.93	57.48	65.85	60.93	58.93	55.02	0.59	0.01	0.58	1.49
IX	ORIX CORP	$36.76	213,000	1.91%	36.81	36.79	38.20	38.86	36.10	43.70	68.94	72.62	75.54	86.72	-0.35	-0.47	0.12	0.74
SEZL	SEZZLE INC	$128.32	757,000	19.21%	131.97	128.20	120.94	138.29	108.91	51.82	59.71	59.71	30.65	29.69	3.29	3.25	0.03	2.70
BBDC	BARINGS BDC INC	$8.79	530,000	7.29%	8.47	8.48	8.74	8.67	8.68	60.20	91.91	84.48	95.87	97.25	-0.02	-0.07	0.06	0.57
FINV	FINVOLUTION GROUP	$2.94	738,000	-8.21%	2.91	2.98	3.23	3.98	4.57	44.07	18.65	13.84	29.99	15.22	-0.11	-0.12	0.01	0.74
FCFS	FIRSTCASH HOLDINGS INC	$193.71	599,000	-23.60%	190.25	202.43	212.78	213.37	206.53	44.35	33.04	32.17	55.02	50.02	-8.07	-6.59	-1.48	0.65
NAVI	NAVIENT HOLDINGS INC	$9.00	2,298,000	15.71%	8.77	9.00	9.23	8.91	8.91	49.90	65.02	46.24	82.22	55.56	-0.11	-0.12	0.02	1.06
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$206.55	101,000	-33.99%	202.28	203.87	213.42	211.40	189.02	49.75	57.27	54.98	91.15	93.85	-2.78	-3.72	0.94	0.83
SYF	SYNCHRONY FINANCIAL	$76.82	5,661,000	93.94%	75.05	74.10	74.97	75.50	73.60	58.87	80.13	82.54	83.38	89.46	0.55	0.12	0.42	1.35
AXP	AMERICAN EXPRESS CO	$327.98	3,263,000	27.21%	319.70	314.72	317.04	329.66	325.92	61.31	81.68	73.78	69.49	59.71	2.16	0.57	1.59	1.16
PYPL	PAYPAL HOLDINGS INC	$58.78	14,897,000	-3.03%	56.93	56.40	55.31	53.67	49.98	64.74	80.31	70.56	74.24	59.93	0.68	0.54	0.14	1.37
JCAP	JEFFERSON CAPITAL INC	$20.28	209,000	-22.59%	20.21	20.23	20.43	20.03	19.98	51.21	41.49	31.28	44.15	26.52	-0.07	-0.05	-0.03	0.88
V	VISA INC	$425.51	7,403,000	4.61%	409.29	398.91	382.40	367.58	342.69	75.10	90.20	81.18	53.89	33.39	10.71	9.43	1.27	0.78
HAPN	HAPPEN INC	$15.57	1,767,000	-27.82%	14.75	14.79	15.84	17.58	16.93	54.63	84.95	71.12	89.06	94.46	-0.18	-0.40	0.23	2.04
OPFI	OPPFI INC	$5.60	795,000	-17.19%	5.62	5.74	6.40	7.62	8.20	40.19	43.29	42.10	79.05	83.17	-0.23	-0.29	0.05	1.30
GDOT	GREEN DOT CORP	$12.29	382,000	45.25%	12.26	12.32	12.75	13.02	12.51	44.62	54.09	46.65	87.92	84.04	-0.12	-0.16	0.03	1.17
MA	MASTERCARD INC	$658.10	3,976,000	-11.98%	626.53	610.96	588.28	562.98	536.31	76.23	90.01	80.03	64.64	40.98	16.58	13.64	2.94	0.85
AFRM	AFFIRM HOLDINGS INC	$73.58	3,890,000	33.40%	72.72	74.25	73.01	74.76	66.53	50.74	49.50	44.68	60.34	48.83	-0.01	0.00	-0.02	3.14
COF	CAPITAL ONE FINANCIAL CORP	$210.77	4,956,000	8.80%	204.80	201.62	204.54	206.22	201.08	60.98	81.03	74.20	89.83	86.76	1.38	0.10	1.28	1.33
RWAY	RUNWAY GROWTH FINANCE CORP	$6.48	254,000	-23.26%	6.44	6.41	6.54	6.17	6.76	50.76	78.86	82.91	82.22	89.67	-0.00	-0.03	0.02	0.59
XYF	X FINANCIAL	$4.84	41,400	8.38%	4.84	4.96	5.13	5.06	4.97	44.64	18.58	21.37	36.60	38.85	-0.08	-0.08	-0.01	0.72
OMF	ONEMAIN HOLDINGS INC	$57.33	1,388,000	7.18%	56.98	56.44	58.91	60.03	58.32	50.26	67.30	79.11	73.59	86.14	-0.25	-0.61	0.37	1.30
OBDC	BLUE OWL CAPITAL CORP	$10.56	5,040,000	36.51%	10.17	10.14	10.69	10.87	11.15	56.28	92.06	80.30	96.05	96.66	-0.08	-0.17	0.09	0.68
LX	LEXINFINTECH HOLDINGS LTD	$0.67	809,000	-25.09%	0.64	0.66	0.78	1.22	1.84	43.08	31.89	27.38	70.35	74.68	-0.05	-0.06	0.01	1.31
SOFI	SOFI TECHNOLOGIES INC	$16.60	54,179,000	-15.75%	15.79	15.47	16.53	17.10	17.74	55.54	83.02	89.56	84.86	92.63	0.09	-0.24	0.33	2.16
CACC	CREDIT ACCEPTANCE CORP	$484.76	265,000	-31.35%	533.36	537.23	561.98	579.54	537.85	37.38	41.21	50.47	40.03	55.92	-12.01	-7.78	-4.23	1.30
ALLY	ALLY FINANCIAL INC	$38.61	3,560,000	-39.35%	38.78	38.17	39.69	42.23	41.89	48.73	71.88	76.50	75.69	81.06	-0.15	-0.35	0.20	1.37
UPST	UPSTART HOLDINGS INC	$21.31	12,209,000	185.12%	23.50	23.65	25.15	27.98	29.74	35.76	44.73	61.26	48.82	73.10	-0.53	-0.51	-0.02	2.91
NNI	NELNET INC	$124.27	151,000	24.79%	123.77	124.85	125.53	128.67	130.18	48.37	38.28	29.11	33.22	21.14	-0.76	-0.61	-0.16	0.58
QFIN	QFIN HOLDINGS INC	$5.35	1,678,000	-2.78%	5.42	5.67	7.21	10.51	12.40	30.72	17.17	19.52	73.51	75.15	-0.59	-0.68	0.10	1.23
OCSL	OAKTREE SPECIALTY LENDING CORP	$12.41	485,000	10.48%	11.71	11.67	12.21	12.18	12.08	64.29	95.39	89.79	100.00	100.00	-0.01	-0.15	0.13	0.54
WU	WESTERN UNION CO	$6.29	8,863,000	4.97%	6.22	6.19	6.47	7.04	8.05	51.11	54.55	43.03	61.61	46.67	-0.06	-0.09	0.03	0.65
FOA	FINANCE OF AMERICA COMPANIES INC	$10.95	62,000	-26.19%	10.93	11.47	13.99	18.55	19.31	33.63	25.77	14.35	64.87	52.96	-1.01	-1.14	0.13	1.03
MFIN	MEDALLION FINANCIAL CORP	$10.02	125,000	92.31%	11.11	11.33	11.70	10.99	10.27	27.08	29.00	40.63	33.33	59.64	-0.27	-0.15	-0.12	0.76
SLM	SLM CORP	$17.88	3,218,000	-14.89%	19.63	21.00	23.45	24.43	23.50	25.54	10.49	8.97	18.49	12.64	-1.56	-1.24	-0.32	1.13
TROO	TROOPS INC	$1.99	670,000	208.76%	2.11	1.88	1.95	2.05	2.67	50.97	65.64	70.10	61.54	71.16	0.09	0.05	0.04	0.73
SWRD	STEWARDS INC	$3.07	93,000	-27.34%	2.85	2.72	N/A	N/A	N/A	68.32	57.38	62.84	4.26	17.25	N/A	N/A	N/A	4.96
LU	LUFAX HOLDING LTD	$8.34	265,000	-22.29%	8.30	8.78	10.85	12.46	17.01	35.75	27.39	22.39	79.84	71.09	-0.84	-0.92	0.09	1.16
SUIG	SUI GROUP HOLDINGS LTD	$1.03	456,000	-17.24%	1.14	1.27	1.24	1.16	1.30	34.90	7.00	9.04	0.40	4.94	-0.08	-0.04	-0.04	1.42
JF	J & FRIENDS HOLDINGS LTD	$0.94	11,100	73.44%	0.93	0.94	0.94	0.96	0.97	50.71	22.73	22.25	38.45	32.86	-0.01	-0.01	0.00	0.44
SNTG	SENTAGE HOLDINGS INC	$1.69	16,500	-30.67%	1.70	1.71	1.72	1.87	1.95	46.47	49.20	43.37	62.35	71.40	-0.01	-0.01	0.00	0.67
DXF	EASON TECHNOLOGY LTD	$0.26	104,000	-83.28%	0.29	0.37	0.44	0.48	0.69	22.25	27.56	16.62	0.80	1.10	-0.06	-0.05	-0.01	1.20
ANTA	ANTALPHA PLATFORM HOLDING CO	$1.71	3,300	-86.25%	1.75	2.05	2.82	3.70	6.04	34.64	10.19	9.69	54.40	42.90	-0.33	-0.34	0.01	0.75
HTT	HIGH TEMPLAR TECH LTD	$1.81	24,500	-60.48%	1.92	2.06	2.32	2.47	2.56	17.41	5.12	5.16	4.81	6.00	-0.14	-0.13	-0.02	1.14
AIOS	AIOS TECH INC	$9.43	12,200	229.73%	9.67	10.49	12.33	12.65	13.82	35.88	7.22	9.03	32.71	32.06	-0.87	-0.82	-0.05	1.23
YRD	YIREN DIGITAL LTD	$0.41	67,000	-67.48%	0.58	0.69	0.88	1.03	1.84	27.70	11.61	17.40	27.16	36.71	-0.13	-0.11	-0.03	1.04

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Nov 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. 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 +28.5% per year. Learn more.

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

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 28, which is -6 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 11 out of 38 due diligence checks and has average fundamentals. Cpi Card Group has seen its stock return 35.14% over the past year, overperforming other credit service stocks by 27 percentage points.

Cpi Card Group has an average 1 year price target of $34.00, an upside of 43.52% from Cpi Card Group's current stock price of $23.69.

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.

2. Oportun Financial (NASDAQ:OPRT)

Oportun Financial (NASDAQ:OPRT) 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 +28.5% per year. Learn more.

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

Oportun Financial (NASDAQ:OPRT) has a Due Diligence Score of 50, which is 16 points higher than the credit service industry average of 34.

OPRT passed 16 out of 33 due diligence checks and has strong fundamentals. Oportun Financial has seen its stock return 85.07% over the past year, overperforming other credit service stocks by 77 percentage points.

Oportun Financial has an average 1 year price target of $8.50, a downside of -14.31% from Oportun Financial's current stock price of $9.92.

Oportun Financial stock has a consensus Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Oportun Financial, 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.

3. Atlanticus Holdings (NASDAQ:ATLC)

Atlanticus Holdings (NASDAQ:ATLC) 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 +28.5% per year. Learn more.

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

Atlanticus Holdings (NASDAQ:ATLC) has a Due Diligence Score of 51, which is 17 points higher than the credit service industry average of 34.

ATLC passed 17 out of 33 due diligence checks and has strong fundamentals. Atlanticus Holdings has seen its stock return 65.36% over the past year, overperforming other credit service stocks by 57 percentage points.

Atlanticus Holdings has an average 1 year price target of $148.00, an upside of 58.92% from Atlanticus Holdings's current stock price of $93.13.

Atlanticus Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 4 analysts covering Atlanticus 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.

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. Qfin Holdings (NASDAQ:QFIN)

Qfin Holdings (NASDAQ:QFIN) has an annual dividend yield of 22.99%, which is 16 percentage points higher than the credit service industry average of 7.47%. Qfin Holdings's dividend payout is not stable, having dropped more than 10% four times in the last 10 years. Qfin Holdings's dividend has shown consistent growth over the last 10 years.

Qfin Holdings's dividend payout ratio of 34.7% indicates that its high dividend yield is sustainable for the long-term.

2. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 22.58%, which is 15 percentage points higher than the credit service industry average of 7.47%.

Lexinfintech Holdings's dividend payout ratio of 16.3% indicates that its high dividend yield is sustainable for the long-term.

3. Runway Growth Finance (NASDAQ:RWAY)

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 20.37%, which is 13 percentage points higher than the credit service industry average of 7.47%. 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 1,125% 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 2.28% in the last day, and up 2.37% over the last week. Regional Management was the among the top gainers in the credit services industry, gaining 8.02% yesterday.

Shares of banks and financial services companies are trading higher as declining oil prices ease inflation concerns and reduce expectations for interest rates to remain elevated. Softer energy costs could support economic activity, improve loan demand, and ease concerns about potential credit deterioration.

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 28 points higher than the credit service industry average of 43. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -77.26% in the past year. It has underperformed other stocks in the credit service industry by -85 percentage points.

2. Oppfi (NYSE:OPFI)

Oppfi (NYSE:OPFI) 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.

Oppfi has a valuation score of 43, which is 0 points higher than the credit service industry average of 43. It passed 3 out of 7 valuation due diligence checks.

Oppfi's stock has dropped -44.28% in the past year. It has underperformed other stocks in the credit service industry by -52 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 28 points higher than the credit service industry average of 43. It passed 5 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -30.88% in the past year. It has underperformed other stocks in the credit service industry by -39 percentage points.

Are credit service stocks a good buy now?

43.9% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 15.37% 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), 70.83% are rated C (Hold), 8.33% 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 28.96x.

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. Cpi Card Group (NASDAQ:PMTS)

2. Oportun Financial (NASDAQ:OPRT)

3. Atlanticus Holdings (NASDAQ:ATLC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Runway Growth Finance (NASDAQ:RWAY)

1. Qfin Holdings (NASDAQ:QFIN)

2. Oppfi (NYSE:OPFI)

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. Cpi Card Group (NASDAQ:PMTS)

2. Oportun Financial (NASDAQ:OPRT)

3. Atlanticus Holdings (NASDAQ:ATLC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Runway Growth Finance (NASDAQ:RWAY)

1. Qfin Holdings (NASDAQ:QFIN)

2. Oppfi (NYSE:OPFI)

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.