Best Credit Service Stocks to Buy Now (2025)
Top credit service stocks in 2025 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
A
Credit Services is Zen Rated A and is the 19th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Price
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Volume
Vol 1d %
OPFI
OPPFI INC
$9.86-3.52%-1.79%-11.57%-14.19%16.14%102.05%365.09%-1.50%N/A$17.73$4.7844.38%106.28%1.20940,00024.83%
ATLC
ATLANTICUS HOLDINGS CORP
$57.93-0.14%4.62%-23.93%7.66%7.72%62.36%116.80%351.52%1,491.48%$78.91$35.3626.59%63.83%1.7159,400-5.11%
RM
REGIONAL MANAGEMENT CORP
$39.78-0.87%1.97%-9.43%25.17%26.97%30.09%36.47%88.00%141.38%$46.00$25.4113.52%56.55%1.1224,000-48.94%
ENVA
ENOVA INTERNATIONAL INC
$111.711.12%3.23%-4.24%-0.97%21.23%29.32%249.31%533.64%752.10%$130.34$79.4114.29%40.68%1.38211,000-3.65%
NNI
NELNET INC
$130.170.55%1.02%4.55%8.82%22.83%15.43%56.40%94.78%272.45%$136.17$98.154.41%32.62%0.6763,600-21.48%
EZPW
EZCORP INC
$19.00-1.61%0.26%10.02%36.20%20.56%66.08%132.84%264.68%177.37%$19.44$11.092.26%71.33%0.584,028,000586.20%
FINV
FINVOLUTION GROUP
$6.58-0.30%-8.10%-14.66%-37.92%-13.53%13.64%38.24%230.65%N/A$11.08$5.7240.61%15.14%0.86817,000-17.14%
IX
ORIX CORP
$25.071.46%-1.07%-6.66%12.32%31.33%14.69%75.31%95.22%71.27%$27.21$17.757.86%41.24%0.76153,00027.50%
MFIN
MEDALLION FINANCIAL CORP
$10.130.90%2.12%-4.16%8.57%18.90%15.90%49.19%308.47%18.62%$10.98$7.717.74%31.39%0.7526,500-53.51%
XYF
X FINANCIAL
$13.72-0.36%-6.16%-2.28%-26.12%19.62%115.72%693.06%625.93%N/A$20.36$6.0432.60%127.15%0.7399,000-19.51%
GDOT
GREEN DOT CORP
$12.691.28%1.76%-7.03%18.93%70.11%11.81%-34.21%-79.59%-27.07%$15.41$6.1317.65%107.18%1.24606,000-48.34%
BFH
BREAD FINANCIAL HOLDINGS INC
$59.750.86%8.60%-6.47%-0.55%30.94%16.31%86.14%13.46%-78.52%$68.01$38.2112.15%56.37%1.59805,000-27.22%
OPRT
OPORTUN FINANCIAL CORP
$5.521.28%1.28%-17.49%-14.95%34.31%129.05%26.03%-61.80%N/A$9.25$2.5040.29%120.80%1.48493,00030.08%
COF
CAPITAL ONE FINANCIAL CORP
$215.100.42%1.50%-5.05%-0.11%31.53%37.24%120.68%173.84%188.65%$232.45$143.227.46%50.19%1.332,775,000-30.59%
LX
LEXINFINTECH HOLDINGS LTD
$5.011.21%-2.72%-12.87%-24.77%-31.37%65.89%209.26%-25.00%N/A$11.64$2.6356.94%90.86%1.292,200,00014.88%
FCFS
FIRSTCASH HOLDINGS INC
$160.210.81%2.76%9.02%23.30%32.44%40.44%96.53%171.59%271.63%$160.99$100.240.48%59.83%0.70222,000-11.90%
SYF
SYNCHRONY FINANCIAL
$72.32-0.71%1.90%-5.19%5.48%52.22%35.71%124.81%148.52%130.91%$77.41$40.556.58%78.37%1.404,386,000-21.93%
MA
MASTERCARD INC
$562.81-0.90%-2.36%-3.46%2.26%8.78%10.96%90.76%66.23%479.26%$601.77$465.596.47%20.88%1.011,744,000-33.61%
V
VISA INC
$345.69-0.77%-1.61%1.96%-0.38%2.94%23.77%86.61%73.23%358.84%$375.51$280.787.94%23.12%0.893,777,000-34.10%
PYPL
PAYPAL HOLDINGS INC
$67.98-1.69%-10.71%1.30%-6.83%9.65%-14.54%-19.70%-66.54%96.36%$93.66$55.8527.42%21.72%1.4511,194,000-13.57%
OMF
ONEMAIN HOLDINGS INC
$55.08-1.33%0.77%-10.35%-3.77%23.19%17.99%65.70%53.98%18.38%$63.25$38.0012.91%44.95%1.34878,000-26.09%
SEZL
SEZZLE INC
$77.99-2.52%-4.33%-13.42%-41.50%83.68%133.14%N/AN/AN/A$186.74$24.8658.24%213.72%2.85712,000-45.90%
AXP
AMERICAN EXPRESS CO
$330.66-0.66%2.11%1.04%6.44%28.23%19.24%133.62%216.63%330.88%$349.19$220.435.31%50.01%1.202,185,000-22.24%
SOFI
SOFI TECHNOLOGIES INC
$28.030.57%0.04%1.30%33.73%156.22%175.34%452.86%162.70%N/A$30.30$8.607.49%225.93%2.0067,850,000-10.14%
QFIN
QFIN HOLDINGS INC
$26.18-1.28%-8.20%-9.00%-38.30%-32.47%-16.36%88.75%126.47%N/A$48.94$26.1046.51%0.31%1.281,160,000-30.70%
YRD
YIREN DIGITAL LTD
$5.99-0.33%-7.99%-0.50%-2.28%5.09%6.77%506.89%77.74%N/A$8.74$4.4131.46%35.83%1.0536,700-9.83%
ALLY
ALLY FINANCIAL INC
$39.70-0.60%1.59%-7.82%1.69%22.80%13.53%31.85%42.45%91.88%$44.83$29.5211.44%34.49%1.402,973,000-42.67%
JCAP
JEFFERSON CAPITAL INC
$18.161.00%1.06%2.31%8.42%N/AN/AN/AN/AN/A$20.30$15.9810.52%13.64%1.6296,000-48.39%
PMTS
CPI CARD GROUP INC
$15.40-0.45%1.18%1.25%-28.77%-39.56%-35.32%-16.80%476.78%-75.82%$35.19$12.5256.24%23.00%0.9819,500-44.76%
PRAA
PRA GROUP INC
$13.95-2.52%0.07%-16.32%-9.36%-18.42%-34.35%-56.28%-64.98%-74.24%$25.43$12.9145.14%8.06%0.86263,000-50.38%
UPST
UPSTART HOLDINGS INC
$51.071.35%-1.33%-23.75%-31.11%26.25%-3.48%120.60%N/AN/A$96.43$31.4047.04%62.64%2.795,950,0006.08%
ANTA
ANTALPHA PLATFORM HOLDING CO
$11.81-2.64%-7.23%-0.42%4.88%N/AN/AN/AN/AN/A$27.72$10.1957.40%15.90%1.3017,300-14.36%
LC
LENDINGCLUB CORP
$16.512.74%4.76%-3.68%32.93%74.71%24.42%40.03%231.53%-77.91%$18.75$7.9011.95%108.99%2.071,958,00035.31%
LU
LUFAX HOLDING LTD
$3.64-0.27%-8.77%20.13%32.85%42.19%14.47%-51.85%N/AN/A$4.57$2.2220.35%63.96%1.152,602,000-20.06%
SUIG
SUI GROUP HOLDINGS LTD
$3.30-8.84%-23.08%-22.90%76.09%126.03%64.59%N/AN/AN/A$8.66$1.1361.89%192.04%0.971,300,0004.42%
OBDC
BLUE OWL CAPITAL CORP
$12.870.00%3.54%-6.13%-12.98%-6.13%-14.20%17.64%7.25%N/A$15.73$12.0418.18%6.89%0.686,750,000-14.77%
RWAY
RUNWAY GROWTH FINANCE CORP
$9.771.56%-1.81%-4.40%-11.82%7.24%-7.74%-15.12%N/AN/A$11.73$8.3516.71%17.01%0.59393,00054.72%
OCSL
OAKTREE SPECIALTY LENDING CORP
$13.181.00%4.19%-0.45%-8.79%-6.99%-19.49%-30.70%-10.34%-28.10%$16.66$12.4420.89%5.95%0.58707,00038.36%
WRLD
WORLD ACCEPTANCE CORP
$179.280.01%-2.68%6.01%10.10%46.82%55.22%74.96%64.58%511.67%$185.48$104.993.34%70.76%1.4054,000-28.00%
CACC
CREDIT ACCEPTANCE CORP
$491.12-2.60%-4.29%-2.18%-1.99%0.50%5.33%10.11%42.92%126.82%$560.00$414.1612.30%18.58%1.23213,000152.07%
LPRO
OPEN LENDING CORP
$1.92-4.95%-5.88%-11.11%-20.00%114.53%-67.62%-73.81%-92.89%N/A$6.92$0.7072.25%174.29%1.63648,000-2.56%
LMFA
LM FUNDING AMERICA INC
$1.21-4.72%-9.70%-0.82%-41.83%1.68%-59.19%-77.84%-94.07%N/A$5.14$1.0276.46%18.40%1.65305,000-10.56%
QD
QUDIAN INC
$4.601.77%-0.43%5.50%36.09%78.99%123.30%416.85%265.08%N/A$5.08$2.049.45%125.49%1.19282,000-3.09%
BBDC
BARINGS BDC INC
$8.76-0.23%2.70%-4.58%-7.79%1.86%-10.15%4.29%8.15%-50.00%$10.85$7.6619.26%14.36%0.56539,000-9.26%
FOA
FINANCE OF AMERICA COMPANIES INC
$21.41-1.29%-4.55%-17.18%-7.52%7.26%93.06%27.44%-78.80%N/A$32.40$10.3033.92%107.86%0.96165,00061.76%
WU
WESTERN UNION CO
$8.16-1.45%0.87%-2.74%0.49%-17.07%-30.55%-42.13%-63.18%-56.92%$12.02$7.8532.11%3.95%0.707,348,00011.11%
DXF
EASON TECHNOLOGY LTD
$3.14-7.79%-2.03%-35.36%-36.15%-44.90%3,462.50%938.08%142.08%-42.58%$48.26$0.0993.50%3,462.50%1.1981,000-40.44%
AIHS
SENMIAO TECHNOLOGY LTD
$2.08-0.95%-3.26%-3.26%-33.05%-76.89%-77.87%-77.56%-97.43%N/A$17.00$1.8487.76%12.98%0.5664,000-17.95%
NAVI
NAVIENT CORP
$12.520.36%0.60%-4.39%-14.34%11.05%-19.41%-17.61%25.28%4.03%$16.15$10.5322.51%18.85%1.16433,000-19.81%
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$163.61-0.89%1.48%-14.46%-7.48%-4.05%-12.24%52.45%140.67%451.80%$217.14$156.5624.65%4.50%0.8666,0000.61%
SLM
SLM CORP
$26.300.00%-1.02%-5.60%-19.40%-1.31%13.46%68.91%178.60%282.27%$34.97$21.1024.79%24.64%1.162,653,000-19.73%
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$3.71-1.33%-13.52%6.92%1.09%-30.65%-73.31%-33.21%-97.67%N/A$15.24$3.2275.66%15.22%1.2630,000175.23%
OMCC
OLD MARKET CAPITAL CORP
$5.50-3.08%0.00%7.21%-15.38%-8.64%-9.84%-5.17%-30.38%-58.62%$7.00$4.2121.43%30.64%0.379,10065.45%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$0.893.49%3.13%-10.20%-14.52%-13.69%-2.31%85.98%-85.54%N/A$1.38$0.7635.58%16.97%0.5689,0008.54%
CPSS
CONSUMER PORTFOLIO SERVICES INC
$8.118.86%3.18%-5.92%-12.61%-4.48%-14.27%66.53%77.85%45.86%$12.73$6.6736.29%21.64%1.1587,000248.00%
SNTG
SENTAGE HOLDINGS INC
$2.941.03%-4.23%3.16%46.27%78.18%41.35%25.64%N/AN/A$12.70$1.4376.85%106.32%0.6329,00098.63%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Oct 2025?

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: C, Growth: B, Momentum: C, Sentiment: B, Safety: A, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 22, which is -9 points lower than the credit service industry average of 31. Although this number is below the industry average, our proven quant model rates OPFI as a "A".

OPFI passed 9 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock return 102.05% over the past year, overperforming other credit service stocks by 86 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 36.92% from Oppfi's current stock price of $9.86.

Oppfi stock has a consensus Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Oppfi, 0% have issued a Strong Buy rating, 100% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Atlanticus Holdings (NASDAQ:ATLC)


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

Atlanticus Holdings (NASDAQ:ATLC) has a Due Diligence Score of 55, which is 24 points higher than the credit service industry average of 31.

ATLC passed 18 out of 33 due diligence checks and has strong fundamentals. Atlanticus Holdings has seen its stock return 62.36% over the past year, overperforming other credit service stocks by 46 percentage points.

Atlanticus Holdings has an average 1 year price target of $85.00, an upside of 46.73% from Atlanticus Holdings's current stock price of $57.93.

Atlanticus Holdings stock has a consensus Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Atlanticus Holdings, 40% have issued a Strong Buy rating, 40% have issued a Buy, 20% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Regional Management (NYSE:RM)


Regional Management (NYSE:RM) 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 Regional Management (NYSE:RM) is: Value: B, Growth: C, Momentum: B, Sentiment: C, Safety: A, Financials: B, and AI: C.

Regional Management (NYSE:RM) has a Due Diligence Score of 42, which is 11 points higher than the credit service industry average of 31.

RM passed 14 out of 38 due diligence checks and has strong fundamentals. Regional Management has seen its stock return 30.09% over the past year, overperforming other credit service stocks by 14 percentage points.

Regional Management has an average 1 year price target of $30.00, a downside of -24.59% from Regional Management's current stock price of $39.78.

Regional Management stock has a consensus Hold recommendation according to Wall Street analysts. Of the 1 analyst covering Regional Management, 0% have issued a Strong Buy rating, 0% have issued a Buy, 100% 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 23 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 15.05%, which is 10 percentage points higher than the credit service industry average of 4.62%.

Runway Growth Finance's dividend payout ratio of 73.3% indicates that its high dividend yield is sustainable for the long-term.

2. Oaktree Specialty Lending (NASDAQ:OCSL)


Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.96%, which is 9 percentage points higher than the credit service industry average of 4.62%. 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 349.1% 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 13.58%, which is 9 percentage points higher than the credit service industry average of 4.62%. Barings Bdc's dividend payout is not stable, having dropped more than 10% three 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 120% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -0.69% in the last day, and down -0.91% over the last week.

We couldn't find a catalyst for why credit service stocks are down.

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. Western Union Co (NYSE:WU)


Western Union Co (NYSE:WU) 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.

Western Union Co has a valuation score of 43, which is 5 points higher than the credit service industry average of 38. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -30.55% in the past year. It has underperformed other stocks in the credit service industry by -47 percentage points.

2. Qfin Holdings (NASDAQ:QFIN)


Qfin Holdings (NASDAQ:QFIN) 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.

Qfin Holdings has a valuation score of 57, which is 19 points higher than the credit service industry average of 38. It passed 4 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -16.36% in the past year. It has underperformed other stocks in the credit service industry by -33 percentage points.

3. Cpi Card Group (NASDAQ:PMTS)


Cpi Card Group (NASDAQ:PMTS) 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.

Cpi Card Group has a valuation score of 57, which is 19 points higher than the credit service industry average of 38. It passed 4 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -35.32% in the past year. It has underperformed other stocks in the credit service industry by -52 percentage points.

Are credit service stocks a good buy now?

34.21% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 17.1% over the next year.

13.73% of credit service stocks have a Zen Rating of A (Strong Buy), 19.61% of credit service stocks are rated B (Buy), 64.71% are rated C (Hold), 1.96% are rated D (Sell), and 0% 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 34.86x.
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.