Sectors & Industries Financial ServicesCredit Services
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

Overview Zen Score Price Valuation Financials Forecast Earnings & Revenue Dividends Ownership Technicals

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
LPRO	OPEN LENDING CORP	$4.96	568,067	62.91%	4.83	5.18	6.39	6.97	7.41	34.63	30.28	29.27	95.87	93.27	-0.44	-0.50	0.05	0.85
QFIN	QIFU TECHNOLOGY INC	$18.52	1,282,950	7.62%	18.30	18.87	17.60	16.16	16.24	51.58	33.16	30.82	40.32	37.73	0.16	0.28	-0.12	1.07
PYPL	PAYPAL HOLDINGS INC	$65.96	13,970,423	31.99%	63.71	64.57	62.73	61.93	61.33	58.46	58.57	50.60	62.08	54.25	0.25	0.29	-0.04	1.35
DFS	DISCOVER FINANCIAL SERVICES	$127.70	1,136,120	-21.57%	124.87	125.09	123.39	115.14	103.75	57.40	72.38	77.88	76.11	86.57	1.13	0.86	0.27	1.56
NAVI	NAVIENT CORP	$15.72	766,480	-50.79%	16.17	16.53	16.53	17.14	17.31	36.55	26.63	33.56	4.32	25.74	-0.21	-0.12	-0.09	1.29
MA	MASTERCARD INC	$462.42	1,956,477	-2.45%	459.65	466.63	471.16	451.87	425.28	44.44	36.38	33.41	61.18	51.86	-3.41	-3.03	-0.38	1.17
V	VISA INC	$274.52	6,814,561	-15.43%	272.76	274.65	279.27	272.37	256.66	46.68	44.94	46.00	96.41	94.73	-1.57	-1.86	0.29	1.04
ATLC	ATLANTICUS HOLDINGS CORP	$27.11	4,977	-62.31%	25.24	26.80	29.61	32.16	32.60	48.72	44.93	29.68	89.31	64.96	-1.28	-1.42	0.14	1.45
COF	CAPITAL ONE FINANCIAL CORP	$146.21	4,312,905	15.16%	143.31	142.95	140.22	134.94	119.40	58.39	78.67	84.60	80.80	90.31	1.70	1.18	0.52	1.45
OMF	ONEMAIN HOLDINGS INC	$50.89	622,427	-40.06%	49.04	48.95	48.53	47.88	44.21	60.93	89.16	88.28	88.36	93.83	0.45	0.14	0.30	1.45
OCSL	OAKTREE SPECIALTY LENDING CORP	$19.83	402,679	21.98%	19.56	19.49	19.59	20.08	19.94	59.49	86.51	81.61	89.89	83.77	0.04	-0.02	0.06	0.72
MFIN	MEDALLION FINANCIAL CORP	$7.91	39,665	-22.23%	7.89	7.89	7.98	8.89	8.48	49.25	72.07	75.76	72.70	79.81	-0.01	-0.06	0.05	1.23
WU	WESTERN UNION CO	$13.47	3,824,541	-50.20%	13.13	13.32	13.42	12.78	12.56	53.39	68.21	68.71	84.94	89.38	-0.03	-0.06	0.03	0.80
ALLY	ALLY FINANCIAL INC	$39.30	2,147,184	-37.45%	38.42	38.48	37.96	36.21	31.63	55.82	81.05	85.31	88.29	93.72	0.32	0.19	0.13	1.47
SYF	SYNCHRONY FINANCIAL	$44.67	3,694,992	-21.57%	42.18	41.81	41.60	39.63	35.59	66.20	90.66	90.04	94.19	96.80	0.67	0.24	0.43	1.48
AXP	AMERICAN EXPRESS CO	$235.64	2,992,888	-9.91%	228.68	225.33	222.26	205.45	181.94	66.11	87.47	91.46	86.84	93.99	4.12	2.45	1.67	1.30
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$191.03	32,187	-6.99%	184.78	185.83	186.53	184.93	172.56	56.56	80.79	78.72	92.93	93.78	0.34	-0.55	0.89	0.95
FINV	FINVOLUTION GROUP	$4.89	311,867	72.86%	4.79	4.98	5.05	4.89	4.98	46.84	31.17	28.14	41.96	36.73	-0.06	-0.05	-0.01	0.92
LX	LEXINFINTECH HOLDINGS LTD	$1.71	871,359	50.85%	1.66	1.73	1.80	1.81	2.02	46.51	41.18	38.56	75.96	70.92	-0.04	-0.05	0.00	1.10
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$7.52	54,912	-20.67%	6.55	6.18	5.19	4.68	3.74	64.18	71.43	81.04	74.69	82.32	0.68	0.47	0.21	0.69
BBDC	BARINGS BDC INC	$9.32	235,866	-29.26%	9.24	9.25	9.32	9.08	8.95	53.47	59.46	58.48	54.14	51.90	0.00	-0.00	0.01	0.63
BFH	BREAD FINANCIAL HOLDINGS INC	$36.97	1,000,056	-30.82%	34.65	35.06	36.53	34.80	34.15	57.07	75.96	71.05	97.47	94.37	-0.18	-0.52	0.34	1.60
SLM	SLM CORP	$21.90	1,857,553	-36.86%	21.30	21.22	20.91	19.80	17.13	62.10	81.87	85.45	88.78	93.52	0.25	0.15	0.09	1.08
EZPW	EZCORP INC	$11.36	393,055	-24.61%	11.19	11.04	10.80	9.89	9.16	57.30	76.98	82.85	49.72	63.65	0.17	0.16	0.01	0.75
LC	LENDINGCLUB CORP	$8.10	546,668	-7.81%	7.92	8.23	8.20	8.26	7.47	48.37	45.13	45.38	52.57	55.04	-0.08	-0.08	-0.00	1.62
YRD	YIREN DIGITAL LTD	$5.08	141,256	20.11%	4.92	4.95	5.05	4.46	3.46	53.51	49.56	49.14	70.91	67.36	0.02	-0.00	0.02	1.04
XYF	X FINANCIAL	$3.85	12,995	244.69%	3.84	3.85	4.07	3.99	4.09	46.46	26.36	25.77	51.53	60.37	-0.07	-0.08	0.01	0.34
ENVA	ENOVA INTERNATIONAL INC	$63.23	237,164	-29.73%	61.18	61.55	61.59	57.86	53.14	57.41	74.14	76.91	75.38	81.48	0.38	0.11	0.27	1.43
IX	ORIX CORP	$102.56	12,670	13.39%	103.01	104.40	105.94	100.46	96.33	41.14	24.70	30.37	49.24	58.54	-1.00	-0.77	-0.23	0.72
CPSS	CONSUMER PORTFOLIO SERVICES INC	$8.59	7,276	-65.68%	8.67	8.43	8.38	8.69	9.25	52.56	61.35	60.45	20.10	28.35	0.14	0.12	0.01	0.70
NRDS	NERDWALLET INC	$12.89	886,064	132.07%	13.41	13.73	15.05	14.79	12.18	33.39	29.44	38.50	49.67	67.35	-0.45	-0.47	0.02	1.34
FUFU	BITFUFU INC	$3.09	188,540	-12.44%	2.98	3.58	5.71	8.34	9.52	36.56	32.12	27.83	52.75	36.00	-0.78	-0.87	0.10	-0.02
RWAY	RUNWAY GROWTH FINANCE CORP	$12.78	301,041	-4.60%	12.58	12.46	12.58	12.77	12.74	60.92	76.26	75.61	75.94	78.75	0.07	0.03	0.04	0.59
FCFS	FIRSTCASH HOLDINGS INC	$115.71	620,862	-42.96%	127.56	127.11	121.96	117.32	108.63	34.11	34.71	59.31	19.44	40.28	0.38	2.11	-1.73	0.92
LMFA	LM FUNDING AMERICA INC	$2.72	34,083	89.53%	2.65	2.94	3.05	3.02	3.08	45.03	32.93	34.15	49.21	51.57	-0.12	-0.10	-0.02	1.07
SOFI	SOFI TECHNOLOGIES INC	$7.87	83,822,369	78.77%	7.36	7.42	7.67	8.05	8.14	59.35	73.88	63.34	87.25	76.56	0.00	-0.06	0.07	1.92
WRLD	WORLD ACCEPTANCE CORP	$140.46	21,312	-17.05%	135.44	137.20	132.68	132.22	129.43	57.31	57.77	54.65	64.80	62.27	0.82	0.75	0.07	1.31
NNI	NELNET INC	$94.82	73,521	-31.88%	94.41	94.24	91.12	88.94	89.87	58.16	68.87	70.43	22.36	26.87	0.99	1.15	-0.16	0.78
LU	LUFAX HOLDING LTD	$4.68	4,754,657	43.08%	4.35	4.34	3.63	3.19	4.00	68.95	85.06	81.54	98.24	84.16	0.23	0.24	-0.01	1.23
PMTS	CPI CARD GROUP INC	$17.75	10,777	6.80%	17.42	17.91	17.94	18.21	18.62	50.59	24.54	14.20	19.55	9.36	-0.17	-0.08	-0.09	0.63
QD	QUDIAN INC	$2.46	656,694	-8.52%	2.37	2.41	2.43	2.26	2.15	54.89	73.02	70.19	89.95	86.91	-0.00	-0.01	0.01	1.11
SNTG	SENTAGE HOLDINGS INC	$1.96	11,994	110.27%	1.51	1.32	1.02	0.86	0.84	59.77	46.23	50.83	7.04	11.51	0.17	0.17	-0.00	0.32
DXF	DUNXIN FINANCIAL HOLDINGS LTD	$0.26	55,075	-6.21%	0.26	0.28	0.32	0.33	0.39	39.99	39.88	35.76	17.07	11.54	-0.02	-0.02	-0.00	1.03
RM	REGIONAL MANAGEMENT CORP	$26.42	8,056	-44.01%	25.54	25.09	24.13	24.41	25.75	66.94	87.85	87.12	94.99	96.95	0.58	0.45	0.13	1.16
UPST	UPSTART HOLDINGS INC	$23.46	3,587,071	26.57%	22.55	23.92	24.95	30.61	32.27	45.92	38.90	33.45	58.03	49.07	-0.91	-0.97	0.07	2.90
AIHS	SENMIAO TECHNOLOGY LTD	$0.83	3,247	10.14%	0.84	0.84	0.90	0.69	0.56	47.01	45.76	55.96	62.46	70.49	-0.01	-0.01	0.00	0.62
OBDC	BLUE OWL CAPITAL CORP	$15.93	1,545,469	30.63%	15.60	15.52	15.31	15.11	14.49	67.54	91.27	89.54	91.85	90.97	0.14	0.11	0.04	0.74
OPFI	OPPFI INC	$2.66	212,622	-25.08%	2.90	2.84	2.95	3.48	2.99	42.67	26.98	42.22	16.34	37.48	-0.01	0.01	-0.02	1.02
CACC	CREDIT ACCEPTANCE CORP	$526.60	26,853	-42.74%	529.55	538.95	547.38	537.01	504.26	43.55	16.75	10.29	11.96	7.40	-7.59	-5.09	-2.50	1.19
MDBH	MDB CAPITAL HOLDINGS LLC	$9.00	348	-48.67%	6.06	6.18	5.68	5.61	N/A	52.45	35.87	29.92	33.95	27.68	0.04	0.12	-0.08	0.91
GDOT	GREEN DOT CORP	$9.04	308,678	-25.86%	8.59	8.56	8.62	8.90	11.37	61.13	93.45	87.77	100.00	100.00	0.05	-0.05	0.09	1.31
FOA	FINANCE OF AMERICA COMPANIES INC	$0.49	144,990	40.55%	0.57	0.64	0.74	0.85	1.11	28.90	4.38	2.47	9.61	3.20	-0.07	-0.05	-0.02	0.47
OPRT	OPORTUN FINANCIAL CORP	$3.15	293,755	-47.27%	2.60	2.45	3.01	3.31	4.57	62.41	75.23	72.51	92.89	94.26	0.03	-0.13	0.16	1.34
MCVT	MILL CITY VENTURES III LTD	$2.70	193	138.27%	37.76	38.21	36.57	32.92	29.85	58.35	63.02	64.15	52.92	55.05	0.50	0.53	-0.03	0.55
PAPL	PINEAPPLE FINANCIAL INC	$1.33	11,739	-93.46%	12.27	12.89	14.30	14.71	N/A	43.28	23.40	22.70	88.52	80.27	-0.64	-0.70	0.05	0.46
NICK	NICHOLAS FINANCIAL INC	$6.75	545	-33.54%	6.69	6.75	6.83	6.91	5.97	49.84	53.23	31.87	64.26	39.34	-0.06	-0.05	-0.01	0.48
GRYP	GRYPHON DIGITAL MINING INC	$1.63	496,415	15.05%	1.42	1.45	1.71	4.08	5.43	51.28	39.41	27.69	76.38	58.47	-0.12	-0.18	0.06	1.33
PRAA	PRA GROUP INC	$24.11	115,179	-21.75%	23.86	24.65	24.92	24.23	21.62	47.65	52.74	55.99	60.65	63.78	-0.21	-0.19	-0.03	0.86
PT	PINTEC TECHNOLOGY HOLDINGS LTD	$1.08	114,729	24.09%	1.08	1.09	1.12	1.11	1.12	45.75	58.33	61.11	71.41	84.68	-0.00	-0.01	0.00	0.70
BCG	BINAH CAPITAL GROUP INC	$7.00	6,683	216.13%	10.94	11.78	N/A	N/A	N/A	45.22	50.04	36.09	N/A	N/A	N/A	N/A	N/A	4.08

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Apr 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 63, which is 33 points higher than the credit service industry average of 30. It passed 20 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -26.3% over the past year, underperforming other credit service stocks by -47 percentage points.

Open Lending has an average 1 year price target of $7.33, an upside of 47.84% from Open Lending's current stock price of $4.96.

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 57, which is 27 points higher than the credit service industry average of 30. It passed 21 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 11.63% over the past year, underperforming other credit service stocks by -9 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 28.51% from Qifu Technology's current stock price of $18.52.

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 56, which is 26 points higher than the credit service industry average of 30. It passed 18 out of 33 due diligence checks and has strong fundamentals. PayPal has seen its stock lose -8.47% over the past year, underperforming other credit service stocks by -30 percentage points.

PayPal has an average 1 year price target of $67.76, an upside of 2.73% from PayPal's current stock price of $65.96.

PayPal stock has a consensus Buy recommendation according to Wall Street analysts. Of the 21 analysts covering PayPal, 23.81% have issued a Strong Buy rating, 14.29% have issued a Buy, 61.9% 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. Oaktree Specialty Lending (NASDAQ:OCSL)

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 11.45%, which is 7 percentage points higher than the credit service industry average of 3.95%. 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 11.05%, which is 7 percentage points higher than the credit service industry average of 3.95%. 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 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. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 10.64%, which is 7 percentage points higher than the credit service industry average of 3.95%.

Lexinfintech Holdings's dividend payout ratio of 12.9% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.83% in the last day, and up 1.38% over the last week. PayPal was the among the top gainers in the credit services industry, gaining 2.9% yesterday.

PayPal shares are trading higher amid overall market strength. The company will report Q1 earnings next week.

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. Open Lending (NASDAQ:LPRO)

Open Lending (NASDAQ:LPRO) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Open Lending has a valuation score of 100, which is 59 points higher than the credit service industry average of 41. It passed 7 out of 7 valuation due diligence checks.

Open Lending's stock has dropped -26.3% in the past year. It has underperformed other stocks in the credit service industry by -47 percentage points.

2. Navient (NASDAQ:NAVI)

Navient (NASDAQ:NAVI) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Navient has a valuation score of 100, which is 59 points higher than the credit service industry average of 41. It passed 7 out of 7 valuation due diligence checks.

Navient's stock has dropped -4.26% in the past year. It has underperformed other stocks in the credit service industry by -25 percentage points.

3. Capital One Financial (NYSE:COF)

Capital One Financial (NYSE:COF) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Capital One Financial has a valuation score of 71, which is 30 points higher than the credit service industry average of 41. It passed 5 out of 7 valuation due diligence checks.

Capital One Financial's stock has gained 54.85% in the past year. It has overperformed other stocks in the credit service industry by 34 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 rise by 1.79% 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 28.16x.

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 (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.

Credit Service Stocks FAQ

1. Open Lending (NASDAQ:LPRO)

2. Qifu Technology (NASDAQ:QFIN)

3. PayPal (NASDAQ:PYPL)

1. Oaktree Specialty Lending (NASDAQ:OCSL)

2. Barings Bdc (NYSE:BBDC)

3. Lexinfintech Holdings (NASDAQ:LX)

1. Open Lending (NASDAQ:LPRO)

2. Navient (NASDAQ:NAVI)

3. Capital One Financial (NYSE:COF)

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