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 +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 B and is the 40th 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	$839.44M	13.10%	0.60%	N/A	6.00%	8.97	N/A	70.60%	1.00%	14.34%
BFH	BREAD FINANCIAL HOLDINGS INC	$3.33B	15.00%	2.10%	N/A	2.40%	5.55	N/A	100.00%	18.80%	21.36%
RM	REGIONAL MANAGEMENT CORP	$350.24M	11.40%	2.10%	N/A	4.10%	4.45	N/A	100.00%	6.60%	21.62%
ENVA	ENOVA INTERNATIONAL INC	$4.09B	23.90%	5.20%	N/A	8.00%	3.65	N/A	57.20%	9.60%	23.24%
EZPW	EZCORP INC	$1.28B	11.90%	6.10%	9.70%	11.20%	0.90	5.61	58.50%	8.60%	13.33%
OPRT	OPORTUN FINANCIAL CORP	$242.27M	8.30%	1.00%	N/A	0.70%	7.30	N/A	100.00%	7.50%	10.13%
MA	MASTERCARD INC	$488.27B	197.10%	28.30%	56.26%	77.80%	5.74	1.12	100.00%	45.30%	58.27%
FCFS	FIRSTCASH HOLDINGS INC	$7.54B	14.70%	6.70%	10.94%	12.30%	1.36	4.99	50.00%	8.90%	15.13%
IX	ORIX CORP	$35.64B	10.50%	2.60%	N/A	3.60%	2.94	N/A	42.40%	14.50%	26.01%
JCAP	JEFFERSON CAPITAL INC	$1.24B	N/A	N/A	N/A	N/A	3.12	N/A	N/A	N/A	N/A
LC	LENDINGCLUB CORP	$1.90B	7.50%	1.00%	N/A	1.40%	6.57	N/A	100.00%	10.90%	14.54%
PMTS	CPI CARD GROUP INC	$146.22M	-47.90%	3.80%	16.00%	10.20%	-16.86	2.56	31.90%	2.80%	10.08%
SEZL	SEZZLE INC	$2.41B	92.80%	35.30%	55.92%	64.90%	1.36	3.52	84.90%	27.70%	36.50%
ATLC	ATLANTICUS HOLDINGS CORP	$765.40M	19.30%	2.40%	N/A	2.10%	10.95	N/A	100.00%	21.10%	31.03%
SYF	SYNCHRONY FINANCIAL	$26.43B	20.80%	2.90%	N/A	4.00%	5.86	N/A	100.00%	36.20%	47.27%
NNI	NELNET INC	$4.70B	12.40%	3.10%	N/A	2.70%	2.82	N/A	79.20%	24.70%	32.46%
PYPL	PAYPAL HOLDINGS INC	$49.69B	24.30%	6.10%	17.42%	22.70%	2.95	1.34	41.60%	15.00%	18.49%
FINV	FINVOLUTION GROUP	$1.29B	17.80%	11.20%	N/A	18.40%	0.58	N/A	80.60%	20.00%	24.28%
XYF	X FINANCIAL	$203.96M	23.90%	13.70%	N/A	16.10%	0.85	N/A	43.60%	22.80%	28.56%
LX	LEXINFINTECH HOLDINGS LTD	$490.30M	16.10%	8.10%	17.58%	17.40%	0.95	1.80	36.00%	13.30%	16.40%
BBDC	BARINGS BDC INC	$959.05M	8.60%	3.70%	N/A	2.50%	1.42	N/A	58.30%	36.00%	37.58%
V	VISA INC	$613.52B	52.50%	20.90%	38.38%	109.50%	1.63	1.08	82.60%	50.10%	61.96%
OMF	ONEMAIN HOLDINGS INC	$7.78B	21.40%	2.70%	N/A	2.00%	6.99	N/A	92.90%	25.10%	32.62%
COF	CAPITAL ONE FINANCIAL CORP	$139.42B	1.30%	0.20%	N/A	0.30%	4.82	N/A	100.00%	3.80%	5.64%
AXP	AMERICAN EXPRESS CO	$246.95B	33.40%	3.70%	N/A	4.60%	8.18	N/A	100.00%	16.10%	20.62%
ALLY	ALLY FINANCIAL INC	$13.23B	1.90%	0.10%	N/A	0.40%	11.68	N/A	92.10%	3.50%	9.25%
FOA	FINANCE OF AMERICA COMPANIES INC	$185.92M	-1.20%	0.00%	N/A	0.00%	106.97	N/A	100.00%	-1.10%	-0.77%
UPST	UPSTART HOLDINGS INC	$4.04B	4.60%	1.30%	N/A	1.00%	2.91	N/A	100.00%	3.30%	3.36%
QFIN	QFIN HOLDINGS INC	$2.08B	28.80%	12.20%	19.21%	24.00%	1.53	2.94	82.00%	35.10%	41.70%
CACC	CREDIT ACCEPTANCE CORP	$4.98B	27.50%	5.10%	N/A	7.30%	4.47	N/A	70.40%	19.70%	46.05%
YRD	YIREN DIGITAL LTD	$364.04M	12.70%	8.90%	N/A	13.30%	0.49	N/A	88.20%	20.20%	21.01%
HTT	HIGH TEMPLAR TECH LIMITED	$479.78M	7.00%	6.20%	7.02%	12.80%	0.17	5.83	7.20%	894.50%	931.73%
MFIN	MEDALLION FINANCIAL CORP	$233.96M	10.70%	1.40%	N/A	2.30%	6.05	N/A	100.00%	26.00%	41.92%
SLM	SLM CORP	$5.47B	26.20%	2.10%	N/A	2.50%	11.65	N/A	100.00%	41.60%	55.37%
OCSL	OAKTREE SPECIALTY LENDING CORP	$1.10B	2.30%	1.10%	N/A	3.40%	1.05	N/A	88.50%	10.70%	47.67%
WU	WESTERN UNION CO	$2.98B	83.00%	9.50%	N/A	10.40%	7.41	N/A	37.40%	18.80%	18.51%
GDOT	GREEN DOT CORP	$688.35M	-5.10%	-0.80%	-5.25%	4.40%	5.32	0.54	43.20%	-2.30%	-2.55%
RWAY	RUNWAY GROWTH FINANCE CORP	$334.96M	10.90%	5.30%	N/A	6.60%	0.97	N/A	79.00%	38.90%	70.82%
SOFI	SOFI TECHNOLOGIES INC	$29.38B	8.90%	1.60%	N/A	1.00%	4.16	N/A	82.70%	19.30%	12.05%
WRLD	WORLD ACCEPTANCE CORP	$602.20M	13.70%	5.40%	N/A	7.30%	1.91	N/A	100.00%	10.00%	20.64%
LPRO	OPEN LENDING CORP	$216.29M	-194.20%	-50.80%	-31.02%	-52.90%	2.95	5.59	-36.70%	-887.10%	-437.24%
PRAA	PRA GROUP INC	$499.01M	-29.70%	-6.70%	N/A	-0.50%	4.32	N/A	100.00%	-29.50%	-3.49%
OBDC	BLUE OWL CAPITAL CORP	$6.21B	9.20%	3.90%	N/A	4.90%	1.31	N/A	77.70%	36.90%	69.08%
AGM	FEDERAL AGRICULTURAL MORTGAGE CORP	$1.86B	12.30%	0.60%	N/A	0.40%	18.79	N/A	100.00%	50.50%	69.10%
NAVI	NAVIENT CORP	$963.37M	-1.30%	-0.10%	N/A	-0.10%	19.22	N/A	100.00%	-12.00%	-18.75%
SUIG	SUI GROUP HOLDINGS LTD	$138.73M	-37.20%	-35.30%	-14.84%	-58.10%	0.06	3.09	100.00%	-1,197.90%	-1,665.41%
AIHS	SENMIAO TECHNOLOGY LTD	$3.74M	N/A	-53.30%	4,597.37%	3,716.40%	-1.52	0.44	27.30%	-88.60%	-88.39%
LMFA	LM FUNDING AMERICA INC	$4.86M	-33.20%	-27.40%	-12.27%	-14.60%	0.23	1.84	37.80%	-147.70%	-72.86%
CPSS	CONSUMER PORTFOLIO SERVICES INC	$189.15M	6.50%	0.50%	N/A	3.70%	11.39	N/A	77.80%	4.50%	58.88%
ANTA	ANTALPHA PLATFORM HOLDING CO	$216.65M	N/A	N/A	N/A	N/A	20.26	1.09	N/A	N/A	N/A
JF	J AND FRIENDS HOLDINGS LTD	$14.64M	N/A	-11.30%	3.44%	3.20%	-1.16	0.18	64.00%	-33.50%	-38.29%
BRR	PROCAP FINANCIAL INC	$229.95M	N/A	N/A	N/A	N/A	-1.00	N/A	N/A	N/A	N/A
SNTG	SENTAGE HOLDINGS INC	$6.47M	-16.40%	-14.40%	-15.49%	-16.50%	0.18	5.86	92.50%	-1,560.30%	-1,560.26%
DXF	EASON TECHNOLOGY LTD	$344.10M	N/A	-283.40%	-1,780.86%	-1,468.40%	1.53	0.57	77.70%	-4,077.00%	-4,056.14%
NISN	NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD	$4.99M	-42.90%	-29.60%	-48.24%	-49.60%	0.61	2.69	-667.40%	-31.20%	-29.86%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Jan 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. Oppfi (NYSE:OPFI)

Oppfi (NYSE:OPFI) 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 +32.52% per year. Learn more.

The Component Grade breakdown for Oppfi (NYSE:OPFI) is: Value: B, Growth: A, Momentum: D, Sentiment: B, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 16, which is -16 points lower than the credit service industry average of 32. Although this number is below the industry average, our proven quant model rates OPFI as a "A".

OPFI passed 6 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock lose -29.82% over the past year, underperforming other credit service stocks by -28 percentage points.

2. Bread Financial Holdings (NYSE:BFH)

Bread Financial Holdings (NYSE:BFH) 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 +32.52% per year. Learn more.

The Component Grade breakdown for Bread Financial Holdings (NYSE:BFH) is: Value: A, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Bread Financial Holdings (NYSE:BFH) has a Due Diligence Score of 34, which is 2 points higher than the credit service industry average of 32.

BFH passed 12 out of 38 due diligence checks and has average fundamentals. Bread Financial Holdings has seen its stock return 14.74% over the past year, overperforming other credit service stocks by 16 percentage points.

Bread Financial Holdings has an average 1 year price target of $72.82, a downside of -0.29% from Bread Financial Holdings's current stock price of $73.03.

Bread Financial Holdings stock has a consensus Sell recommendation according to Wall Street analysts. Of the 11 analysts covering Bread Financial Holdings, 18.18% have issued a Strong Buy rating, 9.09% have issued a Buy, 27.27% have issued a hold, while 0% have issued a Sell rating, and 45.45% have issued a Strong Sell.

3. Regional Management (NYSE:RM)

Regional Management (NYSE:RM) 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 +32.52% per year. Learn more.

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

Regional Management (NYSE:RM) has a Due Diligence Score of 44, which is 12 points higher than the credit service industry average of 32.

RM passed 15 out of 38 due diligence checks and has strong fundamentals. Regional Management has seen its stock lose -1.66% over the past year.

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. Runway Growth Finance (NASDAQ:RWAY)

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 15.1%, which is 10 percentage points higher than the credit service industry average of 5.05%. 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 100.7% indicates that its high dividend yield might not be sustainable for the long-term.

2. Oaktree Specialty Lending (NASDAQ:OCSL)

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.55%, which is 9 percentage points higher than the credit service industry average of 5.05%. 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 471.8% 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 13.05%, which is 8 percentage points higher than the credit service industry average of 5.05%. 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 not shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 124% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 2.01% in the last day, and down -1.91% over the last week. Mastercard was the among the top gainers in the credit services industry, gaining 4.29% yesterday.

Mastercard shares are trading higher after the company reported better-than-expected Q4 financial results.

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 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -61.18% in the past year. It has underperformed other stocks in the credit service industry by -60 percentage points.

2. Bread Financial Holdings (NYSE:BFH)

Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings has a valuation score of 43, which is 3 points higher than the credit service industry average of 40. It passed 3 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 14.74% in the past year. It has overperformed other stocks in the credit service industry by 16 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 71, which is 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -55.69% in the past year. It has underperformed other stocks in the credit service industry by -54 percentage points.

Are credit service stocks a good buy now?

36.84% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 17.48% over the next year.

6.52% of credit service stocks have a Zen Rating of A (Strong Buy), 13.04% of credit service stocks are rated B (Buy), 73.91% are rated C (Hold), 6.52% 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 34.59x.

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 +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. Bread Financial Holdings (NYSE:BFH)

3. Regional Management (NYSE:RM)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Bread Financial Holdings (NYSE:BFH)

3. Cpi Card Group (NASDAQ:PMTS)

Company

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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 +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. Bread Financial Holdings (NYSE:BFH)

3. Regional Management (NYSE:RM)

1. Runway Growth Finance (NASDAQ:RWAY)

2. Oaktree Specialty Lending (NASDAQ:OCSL)

3. Barings Bdc (NYSE:BBDC)

1. Qfin Holdings (NASDAQ:QFIN)

2. Bread Financial Holdings (NYSE:BFH)

3. Cpi Card Group (NASDAQ:PMTS)

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 +32.52% per year, and are the best credit service stocks to buy now. Learn More.