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 67th 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	$301.53M	-80.30%	3.50%	17.65%	10.40%	-35.03	2.09	31.00%	2.30%	9.02%
OPRT	OPORTUN FINANCIAL CORP	$454.81M	4.90%	0.60%	N/A	0.70%	6.69	N/A	100.00%	4.90%	10.10%
ATLC	ATLANTICUS HOLDINGS CORP	$1.42B	22.70%	2.00%	N/A	1.60%	9.62	N/A	100.00%	19.80%	27.96%
PRAA	PRA GROUP INC	$733.76M	-26.80%	-5.20%	N/A	0.60%	3.95	N/A	100.00%	-19.90%	4.24%
EZPW	EZCORP INC	$1.73B	14.50%	7.70%	12.68%	14.10%	0.86	4.81	58.60%	10.00%	15.47%
WRLD	WORLD ACCEPTANCE CORP	$766.95M	11.00%	3.60%	N/A	5.90%	1.98	N/A	100.00%	6.60%	17.30%
ENVA	ENOVA INTERNATIONAL INC	$4.26B	26.40%	5.40%	N/A	7.80%	3.91	N/A	60.60%	10.50%	24.06%
RM	REGIONAL MANAGEMENT CORP	$334.90M	12.50%	2.20%	N/A	4.20%	4.63	N/A	100.00%	7.00%	22.53%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$218.35M	6.90%	0.50%	N/A	3.60%	12.85	N/A	79.50%	4.80%	60.69%
BFH	BREAD FINANCIAL HOLDINGS INC	$3.93B	15.70%	2.30%	N/A	3.20%	5.78	N/A	100.00%	19.60%	25.88%
IX	ORIX CORP	$40.34B	13.60%	3.40%	N/A	4.90%	2.85	N/A	44.20%	18.10%	32.76%
SEZL	SEZZLE INC	$4.54B	85.60%	38.50%	60.54%	61.40%	0.96	4.02	85.80%	30.40%	40.38%
BBDC	BARINGS BDC INC	$905.71M	7.50%	3.30%	N/A	2.30%	1.26	N/A	56.90%	32.70%	34.45%
FCFS	FIRSTCASH HOLDINGS INC	$7.77B	17.70%	7.50%	13.58%	13.20%	1.45	4.81	50.20%	9.50%	16.26%
NAVI	NAVIENT CORP	$872.19M	-2.00%	-0.10%	N/A	-0.10%	18.72	N/A	100.00%	-14.60%	-15.82%
FINV	FINVOLUTION GROUP	$667.67M	11.60%	7.40%	N/A	11.50%	0.56	N/A	76.50%	14.50%	18.32%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$2.19B	11.50%	0.60%	N/A	0.40%	20.19	N/A	100.00%	48.70%	68.27%
SYF	SYNCHRONY FINANCIAL	$23.46B	19.40%	2.70%	N/A	3.60%	6.40	N/A	100.00%	33.10%	43.70%
AXP	AMERICAN EXPRESS CO	$213.98B	35.60%	4.00%	N/A	4.90%	7.67	N/A	100.00%	16.80%	21.23%
PYPL	PAYPAL HOLDINGS INC	$47.36B	23.80%	5.80%	16.91%	21.50%	3.19	1.26	40.50%	13.80%	16.63%
V	VISA INC	$759.42B	61.30%	23.40%	43.93%	114.90%	1.69	0.99	82.50%	50.80%	62.34%
JCAP	JEFFERSON CAPITAL INC	$1.13B	33.80%	7.70%	N/A	9.50%	3.38	N/A	100.00%	23.50%	47.00%
OPFI	OPPFI INC	$478.87M	68.10%	13.70%	N/A	16.50%	0.86	N/A	69.70%	28.00%	43.64%
MA	MASTERCARD INC	$555.82B	252.90%	30.50%	63.99%	85.60%	7.61	1.01	100.00%	46.70%	59.87%
GDOT	GREEN DOT CORP	$700.92M	-2.80%	-0.40%	0.36%	-0.50%	5.59	0.45	37.40%	-1.10%	0.16%
AFRM	AFFIRM HOLDINGS INC	$24.79B	47.90%	14.50%	N/A	2.50%	1.88	N/A	48.90%	45.30%	11.56%
HAPN	HAPPEN INC	$1.79B	13.60%	1.70%	N/A	2.40%	7.34	N/A	100.00%	20.20%	25.82%
OMF	ONEMAIN HOLDINGS INC	$6.51B	23.10%	2.90%	N/A	2.20%	7.11	N/A	93.50%	26.20%	33.74%
COF	CAPITAL ONE FINANCIAL CORP	$125.67B	9.00%	1.50%	N/A	2.20%	4.92	N/A	100.00%	21.10%	27.79%
RWAY	RUNWAY GROWTH FINANCE CORP	$273.25M	1.60%	0.80%	N/A	3.50%	1.43	N/A	81.80%	5.80%	39.83%
XYF	X FINANCIAL	$176.15M	7.20%	4.10%	N/A	5.30%	0.56	N/A	45.60%	10.10%	13.85%
OBDC	BLUE OWL CAPITAL CORP	$5.12B	4.00%	1.70%	N/A	3.40%	1.18	N/A	77.10%	17.00%	50.12%
LX	LEXINFINTECH HOLDINGS LTD	$100.41M	8.70%	4.50%	9.77%	9.90%	0.87	2.09	25.50%	8.00%	10.51%
CACC	CREDIT ACCEPTANCE CORP	$4.71B	22.40%	3.90%	N/A	5.90%	5.39	N/A	61.20%	14.40%	36.89%
ALLY	ALLY FINANCIAL INC	$11.61B	8.60%	0.70%	N/A	0.80%	11.90	N/A	93.30%	15.30%	19.71%
SOFI	SOFI TECHNOLOGIES INC	$21.65B	6.20%	1.20%	N/A	1.50%	4.50	N/A	83.90%	14.80%	17.13%
UPST	UPSTART HOLDINGS INC	$2.24B	7.90%	2.00%	N/A	1.60%	2.98	N/A	100.00%	4.80%	4.95%
NNI	NELNET INC	$4.38B	8.10%	2.10%	N/A	1.90%	2.82	N/A	79.50%	20.10%	25.68%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.07B	3.00%	1.40%	N/A	3.30%	1.07	N/A	87.10%	14.50%	49.91%
QFIN	QFIN HOLDINGS INC	$629.56M	15.40%	6.60%	15.60%	17.00%	1.14	2.17	78.90%	22.30%	31.19%
MFIN	MEDALLION FINANCIAL CORP	$231.90M	7.10%	1.00%	N/A	1.80%	6.62	N/A	100.00%	18.40%	34.14%
WU	WESTERN UNION CO	$1.92B	42.60%	4.90%	N/A	9.00%	7.71	N/A	35.10%	9.80%	16.19%
FOA	FINANCE OF AMERICA COMPANIES INC	$181.72M	-0.90%	0.00%	N/A	-0.10%	106.47	N/A	100.00%	-0.80%	-12.46%
SLM	SLM CORP	$3.25B	23.00%	1.90%	N/A	2.40%	12.23	N/A	100.00%	37.30%	49.81%
TROO	TROOPS INC	$268.75M	-47.60%	-37.60%	-56.05%	-65.90%	0.41	0.92	9.10%	-163.20%	-172.01%
SWRD	STEWARDS INC	N/A	-333.10%	-18.10%	-11.60%	-7.60%	67.62	0.85	60.10%	-195.40%	-105.95%
LU	LUFAX HOLDING LTD	$715.89M	N/A	N/A	N/A	N/A	1.65	N/A	N/A	N/A	N/A
SUIG	SUI GROUP HOLDINGS LTD	$79.11M	-187.50%	-170.30%	-414.40%	-202.70%	0.17	0.62	100.00%	-11,373.70%	-11,362.02%
SNTG	SENTAGE HOLDINGS INC	$4.77M	-25.20%	-21.10%	-23.77%	-23.60%	0.25	2.14	91.20%	-3,305.20%	-3,305.24%
DXF	EASON TECHNOLOGY LTD	$514.28M	-21.50%	-10.40%	-15.66%	-4,608.80%	0.81	0.77	49.60%	-109.20%	-99.31%
ANTA	ANTALPHA PLATFORM HOLDING CO	$38.73M	5.60%	0.40%	2.75%	0.50%	6.94	1.29	50.00%	7.90%	9.73%
HTT	HIGH TEMPLAR TECH LTD	$279.28M	7.20%	6.10%	7.26%	10.50%	0.27	4.80	8.50%	1,789.10%	1,877.51%
AIOS	AIOS TECH INC	$29.34M	-174.40%	-113.70%	-513.44%	-181.40%	0.01	89.99	6.80%	177.10%	178.26%
YRD	YIREN DIGITAL LTD	$36.31M	-16.90%	-11.70%	N/A	-16.80%	0.40	N/A	81.80%	-34.50%	-37.43%
JF	J & FRIENDS HOLDINGS LTD	$16.94M	N/A	-2.30%	-16.92%	0.70%	2.19	1.25	71.50%	-82.90%	-83.67%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Oct 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 25, which is -9 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 10 out of 38 due diligence checks and has weak fundamentals. Cpi Card Group has seen its stock return 65.51% over the past year, overperforming other credit service stocks by 59 percentage points.

Cpi Card Group has an average 1 year price target of $34.00, an upside of 30.02% from Cpi Card Group's current stock price of $26.15.

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 93.16% over the past year, overperforming other credit service stocks by 86 percentage points.

Oportun Financial has an average 1 year price target of $8.50, a downside of -14.05% from Oportun Financial's current stock price of $9.89.

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: C, 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 72.12% over the past year, overperforming other credit service stocks by 65 percentage points.

Atlanticus Holdings has an average 1 year price target of $148.00, an upside of 58.36% from Atlanticus Holdings's current stock price of $93.46.

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. Lexinfintech Holdings (NASDAQ:LX)

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 24.74%, which is 17 percentage points higher than the credit service industry average of 7.65%.

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

2. Qfin Holdings (NASDAQ:QFIN)

Qfin Holdings (NASDAQ:QFIN) has an annual dividend yield of 23.79%, which is 16 percentage points higher than the credit service industry average of 7.65%. 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.

3. Finvolution Group (NYSE:FINV)

Finvolution Group (NYSE:FINV) has an annual dividend yield of 20.92%, which is 13 percentage points higher than the credit service industry average of 7.65%. 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 down?

Credit service stocks were down -4.02% in the last day, and down -0.29% over the last week. Credit Acceptance was the among the top losers in the credit services industry, dropping -19.26% yesterday.

Shares of banks and financial services companies are trading lower amid broader market weakness as investors reduce risk exposure following recent earnings from major technology companies. Persistent inflation and elevated oil prices are also keeping interest-rate uncertainty in focus, raising concerns about borrowing costs, loan demand and 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 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 -75.72% in the past year. It has underperformed other stocks in the credit service industry by -82 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 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 -41.58% in the past year. It has underperformed other stocks in the credit service industry by -48 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 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 -34.61% in the past year. It has underperformed other stocks in the credit service industry by -41 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 18% over the next year.

6.25% of credit service stocks have a Zen Rating of A (Strong Buy), 10.42% of credit service stocks are rated B (Buy), 72.92% 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 28.11x.

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. Lexinfintech Holdings (NASDAQ:LX)

2. Qfin Holdings (NASDAQ:QFIN)

3. Finvolution Group (NYSE:FINV)

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. Lexinfintech Holdings (NASDAQ:LX)

2. Qfin Holdings (NASDAQ:QFIN)

3. Finvolution Group (NYSE:FINV)

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.