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 78th 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
PMTS	CPI CARD GROUP INC	$279.73M	-80.30%	3.50%	17.65%	10.40%	-35.03	2.09	31.00%	2.30%	9.02%
OPRT	OPORTUN FINANCIAL CORP	$372.50M	4.90%	0.60%	N/A	0.70%	6.69	N/A	100.00%	4.90%	10.10%
PRAA	PRA GROUP INC	$729.99M	-26.80%	-5.20%	N/A	0.60%	3.95	N/A	100.00%	-19.90%	4.24%
ENVA	ENOVA INTERNATIONAL INC	$5.64B	25.80%	5.40%	N/A	7.80%	3.82	N/A	59.80%	10.30%	24.08%
ATLC	ATLANTICUS HOLDINGS CORP	$1.44B	22.70%	2.00%	N/A	1.60%	9.62	N/A	100.00%	19.80%	27.96%
WRLD	WORLD ACCEPTANCE CORP	$894.49M	11.00%	3.60%	N/A	5.90%	1.98	N/A	100.00%	6.60%	17.30%
EZPW	EZCORP INC	$1.98B	14.50%	7.70%	12.68%	14.10%	0.86	4.81	58.60%	10.00%	15.47%
BFH	BREAD FINANCIAL HOLDINGS INC	$4.20B	16.90%	2.50%	N/A	3.10%	5.67	N/A	100.00%	21.20%	25.63%
RM	REGIONAL MANAGEMENT CORP	$303.53M	12.50%	2.20%	N/A	4.20%	4.63	N/A	100.00%	7.00%	22.53%
FCFS	FIRSTCASH HOLDINGS INC	$9.62B	17.10%	7.30%	13.11%	12.80%	1.36	4.89	50.50%	9.40%	16.14%
SEZL	SEZZLE INC	$4.09B	85.60%	38.50%	60.54%	61.40%	0.96	4.02	85.80%	30.40%	40.38%
IX	ORIX CORP	$43.74B	13.60%	3.40%	N/A	4.90%	2.85	N/A	44.20%	18.10%	32.76%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$2.44B	11.50%	0.60%	N/A	0.40%	20.19	N/A	100.00%	48.70%	68.27%
HAPN	HAPPEN INC	$1.93B	12.90%	1.70%	N/A	2.30%	7.01	N/A	100.00%	18.70%	23.88%
COF	CAPITAL ONE FINANCIAL CORP	$126.80B	9.00%	1.50%	N/A	2.20%	4.92	N/A	100.00%	21.10%	27.79%
OPFI	OPPFI INC	$662.92M	68.10%	13.70%	N/A	16.50%	0.86	N/A	69.70%	28.00%	43.64%
BBDC	BARINGS BDC INC	$918.28M	7.50%	3.30%	N/A	2.30%	1.26	N/A	56.90%	32.70%	34.45%
OMF	ONEMAIN HOLDINGS INC	$7.27B	23.10%	2.90%	N/A	2.20%	7.11	N/A	93.50%	26.20%	33.74%
MA	MASTERCARD INC	$503.20B	232.50%	29.90%	64.00%	86.60%	9.28	1.06	100.00%	46.30%	59.63%
NAVI	NAVIENT CORP	$917.21M	-2.00%	-0.10%	N/A	-0.10%	18.72	N/A	100.00%	-14.60%	-15.82%
AFRM	AFFIRM HOLDINGS INC	$24.76B	47.90%	14.50%	N/A	2.50%	1.88	N/A	48.90%	45.30%	11.56%
V	VISA INC	$689.08B	61.30%	23.40%	43.93%	114.90%	1.69	0.99	82.50%	50.80%	62.34%
JCAP	JEFFERSON CAPITAL INC	$1.24B	33.80%	7.70%	N/A	9.50%	3.38	N/A	100.00%	23.50%	47.00%
ALLY	ALLY FINANCIAL INC	$12.76B	8.60%	0.70%	N/A	0.80%	11.90	N/A	93.30%	15.30%	19.71%
SYF	SYNCHRONY FINANCIAL	$24.69B	20.40%	2.90%	N/A	3.90%	6.22	N/A	100.00%	34.70%	45.73%
FINV	FINVOLUTION GROUP	$799.79M	11.60%	7.40%	N/A	11.50%	0.56	N/A	76.50%	14.50%	18.32%
RWAY	RUNWAY GROWTH FINANCE CORP	$281.63M	1.60%	0.80%	N/A	3.50%	1.43	N/A	81.80%	5.80%	39.83%
XYF	X FINANCIAL	$187.63M	7.20%	4.10%	N/A	5.30%	0.56	N/A	45.60%	10.10%	13.85%
AXP	AMERICAN EXPRESS CO	$221.35B	34.10%	3.80%	N/A	4.70%	7.99	N/A	100.00%	16.10%	20.82%
GDOT	GREEN DOT CORP	$759.04M	-2.80%	-0.40%	0.36%	-0.50%	5.59	0.45	37.40%	-1.10%	0.16%
PYPL	PAYPAL HOLDINGS INC	$46.22B	24.40%	6.10%	17.08%	22.70%	3.17	1.29	40.50%	14.40%	17.18%
CACC	CREDIT ACCEPTANCE CORP	$6.28B	32.40%	5.80%	N/A	7.60%	4.43	N/A	72.10%	21.50%	47.02%
OBDC	BLUE OWL CAPITAL CORP	$5.46B	4.00%	1.70%	N/A	3.40%	1.18	N/A	77.10%	17.00%	50.12%
MFIN	MEDALLION FINANCIAL CORP	$277.13M	7.10%	1.00%	N/A	1.80%	6.62	N/A	100.00%	18.40%	34.14%
LX	LEXINFINTECH HOLDINGS LTD	$134.76M	8.70%	4.50%	9.77%	9.90%	0.87	2.09	25.50%	8.00%	10.51%
NNI	NELNET INC	$4.56B	8.10%	2.10%	N/A	1.90%	2.82	N/A	79.50%	20.10%	25.68%
UPST	UPSTART HOLDINGS INC	$2.54B	7.90%	2.00%	N/A	1.60%	2.98	N/A	100.00%	4.80%	4.95%
WU	WESTERN UNION CO	$2.19B	42.60%	4.90%	N/A	9.00%	7.71	N/A	35.10%	9.80%	16.19%
SOFI	SOFI TECHNOLOGIES INC	$22.80B	6.20%	1.20%	N/A	1.50%	4.50	N/A	83.90%	14.80%	17.13%
QFIN	QFIN HOLDINGS INC	$1.03B	15.40%	6.60%	15.60%	17.00%	1.14	2.17	78.90%	22.30%	31.19%
FOA	FINANCE OF AMERICA COMPANIES INC	$261.51M	-0.90%	0.00%	N/A	-0.10%	106.47	N/A	100.00%	-0.80%	-12.46%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.12B	3.00%	1.40%	N/A	3.30%	1.07	N/A	87.10%	14.50%	49.91%
SLM	SLM CORP	$4.96B	29.70%	2.50%	N/A	3.20%	10.55	N/A	100.00%	42.70%	58.28%
LU	LUFAX HOLDING LTD	$1.13B	N/A	N/A	N/A	N/A	1.53	N/A	100.00%	-8.90%	-6.79%
TROO	TROOPS INC	$278.53M	-47.60%	-37.60%	-56.05%	-65.90%	0.41	0.92	9.10%	-163.20%	-172.01%
HTT	HIGH TEMPLAR TECH LTD	$393.26M	6.10%	5.40%	6.36%	11.70%	0.17	5.75	7.10%	1,729.90%	1,804.78%
AIOS	AIOS TECH INC	$3.43M	-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	$78.34M	-187.50%	-170.30%	-414.40%	-202.70%	0.17	0.62	100.00%	-11,373.70%	-11,362.02%
YRD	YIREN DIGITAL LTD	$87.48M	-7.20%	-4.90%	N/A	-7.60%	0.43	N/A	85.10%	-13.50%	-15.22%
JF	J & FRIENDS HOLDINGS LTD	$17.78M	N/A	-2.30%	-16.92%	0.70%	2.19	1.25	71.50%	-82.90%	-83.67%
SNTG	SENTAGE HOLDINGS INC	$4.85M	-25.20%	-21.10%	-23.77%	-23.60%	0.25	2.14	91.20%	-3,305.20%	-3,305.24%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$205.85M	6.90%	0.50%	N/A	3.60%	12.85	N/A	79.50%	4.80%	60.69%
ANTA	ANTALPHA PLATFORM HOLDING CO	$87.88M	5.60%	0.40%	2.75%	0.50%	6.94	1.29	50.00%	7.90%	9.73%
DXF	EASON TECHNOLOGY LTD	$872.29M	-21.50%	-10.40%	-15.66%	-4,608.80%	0.81	0.77	49.60%	-109.20%	-99.31%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Sep 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 54 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: A, Growth: B, Momentum: B, Sentiment: C, Safety: B, Financials: B, and AI: B.

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 25, which is -10 points lower than the credit service industry average of 35. 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 weak fundamentals. Cpi Card Group has seen its stock return 59.5% over the past year, overperforming other credit service stocks by 53 percentage points.

Cpi Card Group has an average 1 year price target of $34.00, an upside of 40.15% from Cpi Card Group's current stock price of $24.26.

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 54 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: C, Sentiment: B, Safety: C, Financials: C, and AI: C.

Oportun Financial (NASDAQ:OPRT) has a Due Diligence Score of 50, which is 15 points higher than the credit service industry average of 35.

OPRT passed 16 out of 33 due diligence checks and has strong fundamentals. Oportun Financial has seen its stock return 21.08% over the past year, overperforming other credit service stocks by 14 percentage points.

Oportun Financial has an average 1 year price target of $6.50, a downside of -19.75% from Oportun Financial's current stock price of $8.10.

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. Pra Group (NASDAQ:PRAA)

Pra Group (NASDAQ:PRAA) is the #3 top credit service stock out of 54 with a Zen Rating of B. Stocks with a rating of B have had an average return of +17.17% per year. Learn more.

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

Pra Group (NASDAQ:PRAA) has a Due Diligence Score of 6, which is -29 points lower than the credit service industry average of 35. Although this number is below the industry average, our proven quant model rates PRAA as a "B".

PRAA passed 2 out of 33 due diligence checks and has weak fundamentals. Pra Group has seen its stock return 16.32% over the past year, overperforming other credit service stocks by 10 percentage points.

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 19.64%, which is 13 percentage points higher than the credit service industry average of 6.49%. 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.

2. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 18.43%, which is 12 percentage points higher than the credit service industry average of 6.49%.

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

3. Finvolution Group (NYSE:FINV)

Finvolution Group (NYSE:FINV) has an annual dividend yield of 17.46%, which is 11 percentage points higher than the credit service industry average of 6.49%. Finvolution Group's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Finvolution Group's dividend has shown consistent growth over the last 10 years.

Finvolution Group's dividend payout ratio of 50.7% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.58% in the last day, and up 0.3% over the last week. Enova International was the among the top gainers in the credit services industry, gaining 1.45% yesterday.

Enova International shares are trading lower after the company announced that it has withdrawn its applications related to the proposed acquisition of Grasshopper Bancorp. Also, Citizens lowered its price target on the stock from $270 to $215.

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 29 points higher than the credit service industry average of 42. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -70.56% in the past year. It has underperformed other stocks in the credit service industry by -77 percentage points.

2. Western Union Co (NYSE:WU)

Western Union Co (NYSE:WU) 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.

Western Union Co has a valuation score of 71, which is 29 points higher than the credit service industry average of 42. It passed 5 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -16.21% in the past year. It has underperformed other stocks in the credit service industry by -23 percentage points.

3. Oppfi (NYSE:OPFI)

Oppfi (NYSE:OPFI) 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.

Oppfi has a valuation score of 43, which is 1 points higher than the credit service industry average of 42. It passed 3 out of 7 valuation due diligence checks.

Oppfi's stock has dropped -30.22% in the past year. It has underperformed other stocks in the credit service industry by -37 percentage points.

Are credit service stocks a good buy now?

41.03% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 21.51% over the next year.

4.17% of credit service stocks have a Zen Rating of A (Strong Buy), 12.5% of credit service stocks are rated B (Buy), 66.67% are rated C (Hold), 12.5% 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 25.89x.

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. Pra Group (NASDAQ:PRAA)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Finvolution Group (NYSE:FINV)

1. Qfin Holdings (NASDAQ:QFIN)

2. Western Union Co (NYSE:WU)

3. Oppfi (NYSE:OPFI)

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. Pra Group (NASDAQ:PRAA)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Lexinfintech Holdings (NASDAQ:LX)

3. Finvolution Group (NYSE:FINV)

1. Qfin Holdings (NASDAQ:QFIN)

2. Western Union Co (NYSE:WU)

3. Oppfi (NYSE:OPFI)

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.