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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
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 %
LPRO
OPEN LENDING CORP
$5.242.54%4.80%-6.09%-28.71%-18.25%-29.57%-86.44%-47.96%N/A$11.99$4.5756.30%14.66%0.85262,949-3.69%
QFIN
QIFU TECHNOLOGY INC
$19.590.46%5.55%-0.05%31.12%22.44%10.18%-16.82%-7.72%N/A$20.62$13.124.97%49.31%1.07739,861-47.94%
MA
MASTERCARD INC
$449.371.31%-1.69%-6.16%-2.42%16.37%16.57%19.68%80.73%508.82%$490.00$357.858.29%25.57%1.172,513,315-31.91%
OMF
ONEMAIN HOLDINGS INC
$51.941.45%2.14%4.47%9.49%37.08%45.16%-7.25%49.99%112.78%$53.65$35.003.19%48.40%1.44801,757-21.28%
PYPL
PAYPAL HOLDINGS INC
$65.61-0.14%-2.06%-1.10%2.98%20.12%-13.12%-73.97%-40.81%N/A$76.54$50.2514.28%30.57%1.3510,541,143-26.49%
V
VISA INC
$272.671.56%0.31%-1.83%-1.48%11.98%17.41%17.88%68.02%431.11%$290.96$216.146.29%26.15%1.043,931,9963.20%
BFH
BREAD FINANCIAL HOLDINGS INC
$40.39-1.03%6.26%10.75%17.82%37.33%60.66%-66.53%-73.78%-83.10%$41.89$24.873.58%62.40%1.60701,80712.81%
ATLC
ATLANTICUS HOLDINGS CORP
$27.451.55%0.00%-4.29%-16.21%-11.14%-2.14%-16.67%729.31%830.51%$43.70$23.2137.19%18.29%1.455,526-55.64%
DFS
DISCOVER FINANCIAL SERVICES
$125.360.26%-2.06%-0.28%18.64%44.89%29.45%6.48%52.82%125.39%$131.65$79.044.78%58.60%1.561,153,64742.33%
COF
CAPITAL ONE FINANCIAL CORP
$143.330.65%-1.49%-0.41%6.68%35.92%60.92%-8.38%53.11%91.16%$149.94$85.234.41%68.18%1.441,410,559-11.50%
LX
LEXINFINTECH HOLDINGS LTD
$1.841.10%5.14%0.55%3.95%-9.36%-28.13%-77.80%-86.67%N/A$3.01$1.5638.77%17.95%1.10799,9909.01%
WU
WESTERN UNION CO
$13.31-0.45%-1.48%-1.26%6.14%13.96%8.65%-47.35%-30.75%-17.48%$14.19$10.926.18%21.89%0.802,915,940-23.30%
MFIN
MEDALLION FINANCIAL CORP
$8.132.01%3.57%4.63%-19.43%-4.58%20.62%-9.26%10.61%-39.46%$10.49$6.1722.50%31.77%1.2368,86158.39%
OCSL
OAKTREE SPECIALTY LENDING CORP
$19.20-0.52%-3.37%-1.64%-2.29%-2.09%4.18%-4.90%21.90%-31.11%$21.64$18.0911.28%6.15%0.72576,317-4.00%
SYF
SYNCHRONY FINANCIAL
$46.241.40%3.45%8.77%19.21%56.69%68.76%2.98%34.85%N/A$46.72$26.671.03%73.38%1.483,643,7204.56%
EZPW
EZCORP INC
$10.32-1.05%-7.69%-4.71%2.79%21.41%14.54%55.19%-4.44%-0.86%$11.52$7.7010.42%34.11%0.75563,871-35.81%
NAVI
NAVIENT CORP
$15.76-1.38%1.35%-7.94%-1.25%-7.84%6.20%-7.24%13.14%-3.55%$19.69$14.1019.96%11.77%1.29777,657-10.70%
ALLY
ALLY FINANCIAL INC
$39.901.35%1.89%3.45%11.24%50.40%59.22%-24.62%33.80%65.08%$41.56$22.543.99%77.02%1.482,693,8898.50%
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$185.24-4.62%-2.30%-2.08%-0.47%15.08%42.42%65.84%132.13%424.76%$199.40$122.967.10%50.65%0.9571,148112.44%
AXP
AMERICAN EXPRESS CO
$234.331.54%-1.92%4.56%13.95%53.17%53.12%49.37%96.35%171.84%$240.55$140.912.59%66.30%1.302,256,603-27.87%
FINV
FINVOLUTION GROUP
$5.071.20%4.32%-3.98%4.32%3.05%24.26%-20.16%-13.63%N/A$6.05$3.7816.20%34.13%0.91338,906-14.11%
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$7.55-2.14%2.44%38.03%80.62%228.26%56.83%-94.93%-13.22%N/A$8.85$2.1614.69%249.54%0.6988,59158.99%
BBDC
BARINGS BDC INC
$9.631.69%3.10%4.00%10.18%4.11%33.20%-8.29%-3.70%-62.78%$9.89$7.152.63%34.69%0.63400,19542.13%
SLM
SLM CORP
$21.68-1.50%0.23%0.88%12.80%46.19%46.98%6.59%109.27%143.73%$22.37$12.263.09%76.84%1.081,784,05847.28%
XYF
X FINANCIAL
$3.953.30%1.18%-0.35%-1.35%-3.28%15.72%-6.71%-74.16%N/A$5.00$3.0721.08%28.53%0.347,274-8.25%
FUFU
BITFUFU INC
$2.63-6.41%-14.89%-36.63%-76.48%-75.49%-74.83%N/AN/AN/A$18.32$2.3285.64%13.36%-0.01200,190143.09%
ENVA
ENOVA INTERNATIONAL INC
$62.731.16%1.62%-0.44%16.02%47.77%46.19%77.40%134.59%N/A$65.00$35.303.49%77.71%1.43157,277-32.71%
YRD
YIREN DIGITAL LTD
$5.362.88%6.77%5.72%10.97%132.03%102.26%44.86%-66.56%N/A$5.80$1.947.59%176.29%1.03154,109-20.64%
CPSS
CONSUMER PORTFOLIO SERVICES INC
$8.82-1.01%3.89%10.53%5.00%-8.79%-14.53%96.88%147.75%18.87%$13.75$7.3035.83%20.82%0.6910,794-61.50%
WRLD
WORLD ACCEPTANCE CORP
$139.940.47%-1.88%-1.27%5.97%33.62%24.31%4.79%5.52%84.16%$160.08$94.5712.58%47.97%1.3136,12334.49%
QD
QUDIAN INC
$2.510.40%0.40%0.80%14.61%40.22%94.57%32.11%-68.23%N/A$2.60$1.193.46%110.92%1.111,183,65083.12%
LC
LENDINGCLUB CORP
$9.15-1.40%17.16%5.41%5.41%59.69%33.19%-35.20%-45.54%N/A$10.92$4.7316.21%93.45%1.612,029,61621.55%
IX
ORIX CORP
$105.350.66%1.75%-1.83%9.32%16.76%23.66%29.71%50.52%40.86%$113.43$83.567.12%26.08%0.728,9836.23%
NRDS
NERDWALLET INC
$14.333.77%13.28%1.63%-4.66%22.37%61.74%N/AN/AN/A$17.30$6.3817.17%124.61%1.34372,568-8.77%
RWAY
RUNWAY GROWTH FINANCE CORP
$13.201.30%3.21%5.85%-2.15%2.33%16.71%N/AN/AN/A$13.74$10.473.93%26.07%0.59258,96739.60%
FCFS
FIRSTCASH HOLDINGS INC
$116.610.22%1.09%-7.25%0.67%6.12%12.42%57.69%17.36%138.37%$133.64$88.0512.74%32.44%0.92271,85963.20%
LMFA
LM FUNDING AMERICA INC
$2.442.52%-6.87%-26.51%-7.37%-0.29%-44.63%-89.29%-93.49%N/A$8.22$1.6370.32%49.42%1.0829,053-67.72%
PMTS
CPI CARD GROUP INC
$18.214.18%-0.22%-4.16%-1.57%14.53%-55.59%8.78%709.33%N/A$42.00$12.6556.64%43.95%0.6434,45493.62%
LU
LUFAX HOLDING LTD
$4.64-1.28%2.43%8.16%81.96%3.57%-32.16%-90.21%N/AN/A$7.64$2.1139.27%119.91%1.241,642,407-19.34%
SNTG
SENTAGE HOLDINGS INC
$1.82-2.15%0.00%-17.27%-18.75%20.53%-39.93%N/AN/AN/A$8.45$1.4778.46%23.81%0.324,818-28.15%
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$0.24-2.44%-0.83%-20.00%-25.93%-34.60%2.13%-88.63%-90.73%-98.11%$1.90$0.1287.37%101.68%1.0351,69142.27%
NNI
NELNET INC
$97.541.00%3.35%3.39%10.26%10.20%3.83%28.58%67.54%136.69%$101.60$81.674.00%19.43%0.7855,299-5.90%
RM
REGIONAL MANAGEMENT CORP
$30.447.41%16.49%22.94%27.26%37.80%14.05%-28.33%20.55%107.50%$34.60$20.5012.02%48.48%1.1757,330-57.31%
AIHS
SENMIAO TECHNOLOGY LTD
$0.82-4.76%2.50%-5.64%35.31%203.70%-9.49%-92.99%-98.14%N/A$1.05$0.2021.90%310.00%0.608,006102.73%
SOFI
SOFI TECHNOLOGIES INC
$7.162.87%1.63%-7.73%-8.21%-4.41%30.90%-52.27%N/AN/A$11.70$4.4538.80%60.90%1.9149,663,892-10.98%
UPST
UPSTART HOLDINGS INC
$25.756.63%11.76%1.82%-22.67%-12.12%92.45%-72.02%N/AN/A$72.58$12.9464.52%99.00%2.896,321,81249.24%
OPFI
OPPFI INC
$2.68-2.90%-1.83%4.69%-14.38%11.67%32.02%-73.62%N/AN/A$5.34$1.9149.81%40.31%1.02155,471219.31%
OBDC
BLUE OWL CAPITAL CORP
$16.331.94%2.38%4.88%12.39%16.98%29.81%15.90%N/AN/A$16.34$12.490.06%30.74%0.743,066,641131.46%
MDBH
MDB CAPITAL HOLDINGS LLC
$8.95-0.33%-2.14%-9.71%-20.87%-18.56%N/AN/AN/AN/A$21.67$7.3558.70%21.77%0.847,269104.59%
FOA
FINANCE OF AMERICA COMPANIES INC
$0.6011.11%11.94%-16.67%-18.92%-39.15%-62.50%-94.62%-93.84%N/A$2.07$0.4571.01%32.16%0.48317,375516.39%
CACC
CREDIT ACCEPTANCE CORP
$522.173.14%-1.29%-6.21%-5.83%21.42%16.97%25.14%5.06%293.35%$616.66$379.7715.32%37.50%1.1938,867-22.27%
GDOT
GREEN DOT CORP
$9.18-0.43%2.34%9.29%6.99%-24.01%-47.57%-79.38%-85.94%-45.97%$21.37$7.3057.04%25.75%1.30406,11232.22%
MCVT
MILL CITY VENTURES III LTD
$2.708.00%1.89%-4.42%6.85%-16.02%N/AN/AN/AN/A$3.77$2.0328.38%33.00%0.6615,67110,488.51%
OPRT
OPORTUN FINANCIAL CORP
$3.602.56%11.80%57.89%2.27%-38.14%-16.67%-81.78%N/AN/A$7.73$2.0553.43%75.61%1.34200,669-59.02%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$1.04-0.95%-3.44%-4.59%-4.59%-7.96%7.22%-75.44%-96.60%N/A$1.38$0.7524.64%38.67%0.69129,2871,037.89%
PAPL
PINEAPPLE FINANCIAL INC
$1.27-1.55%-7.97%-7.97%-12.41%-28.65%N/AN/AN/AN/A$4.25$1.2070.12%5.83%0.43105,3151.19%
NICK
NICHOLAS FINANCIAL INC
$6.63-6.09%-0.97%-0.75%-6.62%46.04%48.99%-35.76%-26.74%-57.09%$7.55$4.3712.19%51.72%0.482,964-45.93%
GRYP
GRYPHON DIGITAL MINING INC
$1.51-2.58%-0.66%0.67%-69.68%-72.04%-90.35%-99.90%N/AN/A$16.50$1.2290.85%23.77%1.33239,174107.64%
PRAA
PRA GROUP INC
$25.331.52%5.45%-1.86%9.89%74.93%-26.34%-36.75%-12.14%-54.86%$34.89$11.8527.40%113.76%0.86194,33332.27%
BCG
BINAH CAPITAL GROUP INC
$5.703.64%-18.34%-39.68%N/AN/AN/AN/AN/AN/A$16.61$5.4465.68%4.78%1.931,706-53.29%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in May 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 60, which is 29 points higher than the credit service industry average of 31. It passed 19 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -29.57% over the past year, underperforming other credit service stocks by -50 percentage points.

Open Lending has an average 1 year price target of $7.33, an upside of 39.94% from Open Lending's current stock price of $5.24.

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 26 points higher than the credit service industry average of 31. It passed 21 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 10.18% over the past year, underperforming other credit service stocks by -10 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 21.49% from Qifu Technology's current stock price of $19.59.

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. Mastercard (NYSE:MA)


Mastercard (NYSE:MA) is the third best credit service stock with a Zen Score of 53, which is 22 points higher than the credit service industry average of 31. It passed 21 out of 38 due diligence checks and has strong fundamentals. Mastercard has seen its stock return 16.57% over the past year, underperforming other credit service stocks by -4 percentage points.

Mastercard has an average 1 year price target of $514.82, an upside of 14.57% from Mastercard's current stock price of $449.37.

Mastercard stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 17 analysts covering Mastercard, 64.71% have issued a Strong Buy rating, 35.29% 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. Oaktree Specialty Lending (NASDAQ:OCSL)


Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 11.82%, which is 8 percentage points higher than the credit service industry average of 3.81%. 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 166.9% 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 10.7%, which is 7 percentage points higher than the credit service industry average of 3.81%. 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 9.89%, which is 6 percentage points higher than the credit service industry average of 3.81%.

Lexinfintech Holdings's dividend payout ratio of 20.3% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 1.05% in the last day, and down -0.2% 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 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 86, which is 45 points higher than the credit service industry average of 41. It passed 6 out of 7 valuation due diligence checks.

Open Lending's stock has dropped -29.57% in the past year. It has underperformed other stocks in the credit service industry by -50 percentage points.

2. Atlanticus Holdings (NASDAQ:ATLC)


Atlanticus Holdings (NASDAQ:ATLC) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Atlanticus Holdings 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.

Atlanticus Holdings's stock has dropped -2.14% in the past year. It has underperformed other stocks in the credit service industry by -23 percentage points.

3. Consumer Portfolio Services (NASDAQ:CPSS)


Consumer Portfolio Services (NASDAQ:CPSS) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Consumer Portfolio Services 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.

Consumer Portfolio Services's stock has dropped -14.53% in the past year. It has underperformed other stocks in the credit service industry by -35 percentage points.

Are credit service stocks a good buy now?

44.44% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 4.02% 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 27.03x.
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.