Sectors & Industries Financial ServicesCredit Services
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

Overview Zen Rating Price Value Growth Financials

Momentum Sentiment Forecast Dividends Due Diligence

Credit Services is Zen Rated A and is the 19th 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
OPFI	OPPFI INC	$855.93M	-35.50%	-1.60%	N/A	4.60%	17.89	N/A	69.00%	-2.80%	11.27%
ATLC	ATLANTICUS HOLDINGS CORP	$876.26M	19.90%	3.10%	N/A	2.90%	5.08	N/A	100.00%	22.40%	34.70%
RM	REGIONAL MANAGEMENT CORP	$389.81M	9.70%	1.80%	N/A	3.90%	4.42	N/A	100.00%	5.70%	20.43%
ENVA	ENOVA INTERNATIONAL INC	$2.79B	21.30%	4.80%	N/A	7.60%	3.66	N/A	100.00%	15.20%	38.20%
NNI	NELNET INC	$4.71B	9.70%	2.40%	N/A	2.00%	2.86	N/A	77.80%	20.40%	26.58%
EZPW	EZCORP INC	$1.16B	11.30%	5.90%	9.05%	10.90%	0.90	6.31	58.70%	8.00%	12.57%
FINV	FINVOLUTION GROUP	$1.68B	18.40%	11.60%	N/A	19.70%	0.60	N/A	81.40%	20.30%	24.54%
IX	ORIX CORP	$29.16B	9.20%	2.20%	N/A	3.10%	3.08	N/A	43.20%	12.70%	23.22%
MFIN	MEDALLION FINANCIAL CORP	$235.49M	11.10%	1.50%	N/A	2.30%	6.02	N/A	100.00%	27.70%	43.23%
XYF	X FINANCIAL	$562.04M	24.10%	14.20%	N/A	17.00%	0.77	N/A	41.90%	23.30%	29.58%
GDOT	GREEN DOT CORP	$702.93M	-2.60%	-0.40%	-2.40%	2.10%	5.06	0.69	44.90%	-1.20%	-1.24%
BFH	BREAD FINANCIAL HOLDINGS INC	$2.79B	9.20%	1.30%	N/A	1.70%	5.89	N/A	100.00%	11.70%	15.46%
OPRT	OPORTUN FINANCIAL CORP	$207.01M	-12.10%	-1.30%	N/A	-1.20%	7.81	N/A	100.00%	-13.20%	-22.23%
COF	CAPITAL ONE FINANCIAL CORP	$137.56B	-0.40%	-0.10%	N/A	-0.10%	4.94	N/A	100.00%	-1.30%	-2.22%
LX	LEXINFINTECH HOLDINGS LTD	$846.87M	12.50%	5.90%	12.89%	13.10%	1.02	1.85	35.90%	9.40%	11.66%
FCFS	FIRSTCASH HOLDINGS INC	$7.11B	14.10%	6.60%	11.83%	12.30%	1.11	4.21	49.40%	8.60%	14.62%
SYF	SYNCHRONY FINANCIAL	$26.91B	19.40%	2.70%	N/A	3.60%	6.11	N/A	100.00%	34.90%	45.26%
MA	MASTERCARD INC	$508.79B	191.00%	27.80%	53.02%	73.00%	5.55	1.16	100.00%	44.90%	56.81%
V	VISA INC	$643.08B	52.60%	21.40%	37.96%	103.40%	1.59	1.12	82.40%	52.20%	64.02%
PYPL	PAYPAL HOLDINGS INC	$64.95B	23.10%	5.70%	16.85%	22.20%	2.95	1.33	41.70%	14.50%	18.13%
OMF	ONEMAIN HOLDINGS INC	$6.55B	20.40%	2.50%	N/A	1.90%	7.01	N/A	92.80%	24.40%	31.71%
SEZL	SEZZLE INC	$2.65B	103.30%	34.90%	52.81%	66.60%	1.69	3.51	84.30%	28.10%	37.17%
AXP	AMERICAN EXPRESS CO	$230.10B	32.90%	3.60%	N/A	4.50%	8.15	N/A	100.00%	16.00%	20.24%
SOFI	SOFI TECHNOLOGIES INC	$33.56B	8.60%	1.50%	N/A	0.90%	4.99	N/A	82.40%	18.40%	10.33%
QFIN	QFIN HOLDINGS INC	$3.47B	30.80%	13.80%	19.68%	28.40%	1.48	3.48	81.50%	38.70%	46.36%
YRD	YIREN DIGITAL LTD	$517.86M	13.40%	9.70%	N/A	14.60%	0.45	N/A	87.10%	21.00%	21.70%
ALLY	ALLY FINANCIAL INC	$12.22B	1.60%	0.10%	N/A	0.20%	12.03	N/A	92.10%	3.00%	5.74%
JCAP	JEFFERSON CAPITAL INC	$1.06B	N/A	N/A	N/A	N/A	3.30	N/A	N/A	N/A	N/A
PMTS	CPI CARD GROUP INC	$173.73M	-49.40%	5.50%	20.63%	12.60%	-12.84	2.95	34.70%	3.80%	12.04%
PRAA	PRA GROUP INC	$545.08M	7.50%	1.80%	N/A	4.60%	3.02	N/A	100.00%	8.10%	32.36%
UPST	UPSTART HOLDINGS INC	$4.91B	-1.00%	-0.30%	N/A	-0.20%	2.43	N/A	100.00%	-0.70%	-0.72%
ANTA	ANTALPHA PLATFORM HOLDING CO	$272.81M	N/A	N/A	N/A	N/A	18.26	1.05	N/A	N/A	N/A
LC	LENDINGCLUB CORP	$1.89B	5.40%	0.70%	N/A	1.00%	6.66	N/A	100.00%	8.40%	11.16%
LU	LUFAX HOLDING LTD	$3.15B	-3.90%	-1.50%	N/A	-0.80%	1.42	N/A	100.00%	-13.30%	-7.07%
SUIG	SUI GROUP HOLDINGS LTD	$270.97M	7.60%	7.40%	N/A	11.70%	0.01	N/A	100.00%	45.40%	60.64%
OBDC	BLUE OWL CAPITAL CORP	$6.58B	9.80%	4.20%	N/A	5.10%	1.27	N/A	77.80%	38.30%	69.66%
RWAY	RUNWAY GROWTH FINANCE CORP	$364.88M	12.50%	5.90%	N/A	6.70%	1.05	N/A	78.90%	45.30%	76.83%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.16B	3.10%	1.50%	N/A	3.70%	1.01	N/A	88.20%	13.80%	50.41%
WRLD	WORLD ACCEPTANCE CORP	$976.32M	18.90%	7.70%	N/A	9.00%	1.39	N/A	100.00%	14.30%	25.29%
CACC	CREDIT ACCEPTANCE CORP	$5.52B	25.50%	4.80%	N/A	7.00%	4.61	N/A	68.50%	18.70%	44.61%
LPRO	OPEN LENDING CORP	$226.89M	-123.60%	-43.70%	-25.59%	-38.00%	2.76	5.67	-47.60%	-869.60%	-392.88%
LMFA	LM FUNDING AMERICA INC	$6.25M	-45.30%	-37.40%	-20.32%	-19.20%	0.28	3.75	36.10%	-196.60%	-96.10%
QD	QUDIAN INC	$748.19M	4.60%	4.20%	5.26%	8.80%	0.10	9.13	7.80%	386.30%	447.74%
BBDC	BARINGS BDC INC	$921.19M	8.40%	3.70%	N/A	2.50%	1.38	N/A	57.80%	35.70%	37.13%
FOA	FINANCE OF AMERICA COMPANIES INC	$237.21M	30.40%	0.30%	N/A	0.20%	91.23	N/A	100.00%	17.10%	18.12%
WU	WESTERN UNION CO	$2.64B	104.10%	11.10%	N/A	10.00%	8.04	N/A	37.20%	21.80%	17.60%
DXF	EASON TECHNOLOGY LTD	$922.01M	N/A	-283.40%	-1,780.86%	-1,468.40%	1.53	0.57	77.70%	-4,077.00%	-4,056.14%
AIHS	SENMIAO TECHNOLOGY LTD	$2.31M	N/A	-46.60%	-614.09%	-418.30%	-1.82	0.48	23.60%	-95.40%	-95.12%
NAVI	NAVIENT CORP	$1.24B	0.90%	0.10%	N/A	0.10%	18.59	N/A	100.00%	4.40%	6.56%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.79B	11.90%	0.60%	N/A	0.40%	19.85	N/A	100.00%	49.20%	70.11%
SLM	SLM CORP	$5.48B	18.80%	1.40%	N/A	1.80%	11.46	N/A	100.00%	35.20%	46.68%
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$16.84M	2.90%	2.00%	4.87%	8.90%	0.29	4.23	9.10%	1.70%	3.03%
OMCC	OLD MARKET CAPITAL CORP	$37.14M	-4.40%	-3.00%	-2.86%	-6.20%	0.24	6.35	66.00%	-19.80%	-17.99%
PT	PINTEC TECHNOLOGY HOLDINGS LTD	$14.30M	N/A	-11.30%	3.44%	3.20%	-1.16	0.18	64.00%	-33.50%	-38.29%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$180.24M	6.60%	0.50%	N/A	3.70%	11.42	N/A	76.90%	4.60%	57.79%
SNTG	SENTAGE HOLDINGS INC	$8.25M	-17.90%	-16.30%	-17.64%	-19.60%	0.14	7.45	92.50%	-1,864.80%	-1,864.84%

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.

Sectors & Industries Financial ServicesCredit Services
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.

Credit Service Stocks FAQ

1. Oppfi (NYSE:OPFI)

2. Atlanticus Holdings (NASDAQ:ATLC)

3. Regional Management (NYSE:RM)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Western Union Co (NYSE:WU)

2. Qfin Holdings (NASDAQ:QFIN)

3. Cpi Card Group (NASDAQ:PMTS)

Company

Stock Tools

Stock Ideas

Sectors & IndustriesFinancial ServicesCredit ServicesBest 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.

Credit Service Stocks FAQ

1. Oppfi (NYSE:OPFI)

2. Atlanticus Holdings (NASDAQ:ATLC)

3. Regional Management (NYSE:RM)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Western Union Co (NYSE:WU)

2. Qfin Holdings (NASDAQ:QFIN)

3. Cpi Card Group (NASDAQ:PMTS)

Company

Stock Tools

Stock Ideas

Sectors & Industries Financial ServicesCredit Services
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.