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Best Credit Service Stocks to Buy Now (2022)
Top credit service stocks in 2022 ranked by overall Zen Score. See the best credit service stocks to buy now, according to analyst forecasts for the credit services industry.

Industry: Credit Services
Ticker
Company
Forecast Score
Market Cap
Price
Price Target
Upside/Downside
Consensus
Analysts
Fore. Revenue Growth
Fore. Earnings Growth
Forecast ROE
Forecast ROA
FCFS
FIRSTCASH HOLDINGS INC
$3.71B$78.81$87.0010.39%Buy423.03%28.17%16.48%7.89%
LPRO
OPEN LENDING CORP
$1.07B$8.49$17.71108.65%Buy70.96%0.46%56.58%32.00%
V
VISA INC
$389.19B$187.67$257.8737.40%Strong Buy1513.12%18.88%62.12%25.81%
ATLC
ATLANTICUS HOLDINGS CORP
$410.35M$28.34$56.5099.36%Strong Buy2142.96%-37.40%29.94%4.10%
QFIN
360 DIGITECH INC
$2.42B$15.56$25.3963.17%Strong Buy18.45%2.07%73.63%33.27%
MA
MASTERCARD INC
$293.97B$304.20$408.0034.12%Strong Buy1512.64%15.19%286.73%48.84%
SYF
SYNCHRONY FINANCIAL
$15.30B$31.75$40.3026.93%Buy1124.73%-6.97%28.67%4.03%
EZPW
EZCORP INC
$453.24M$8.00$8.506.25%Strong Buy1N/AN/AN/AN/A
GDOT
GREEN DOT CORP
$1.08B$20.00$33.6768.34%Buy31.11%41.81%N/AN/A
AIHS
SENMIAO TECHNOLOGY LTD
$6.88M$0.90N/AN/AN/AN/AN/AN/AN/AN/A
LX
LEXINFINTECH HOLDINGS LTD
$320.21M$1.79$9.15411.17%Hold433.34%14.40%42.37%15.70%
BFH
BREAD FINANCIAL HOLDINGS INC
$1.63B$32.76$86.20163.13%Hold635.79%14.97%28.75%3.00%
MFIN
MEDALLION FINANCIAL CORP
$166.04M$6.85$9.0031.39%Hold11.62%-29.71%13.60%1.89%
OPRT
OPORTUN FINANCIAL CORP
$161.34M$4.90$17.50257.14%Strong Buy444.50%-75.10%6.55%1.27%
WU
WESTERN UNION CO
$5.51B$14.29$17.6923.78%Sell9-4.49%-8.51%172.10%8.78%
DFS
DISCOVER FINANCIAL SERVICES
$26.41B$96.68$124.0828.34%Buy1311.47%-2.84%31.77%3.82%
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$1.13B$104.36$138.0032.23%Strong Buy1N/AN/AN/AN/A
NRDS
NERDWALLET INC
$745.30M$10.11$24.29140.22%Strong Buy818.52%N/A17.91%13.64%
RWAY
RUNWAY GROWTH FINANCE CORP
$479.33M$11.76$14.0019.05%Strong Buy219.56%56.82%11.75%8.32%
HKD
AMTD DIGITAL INC
$1.18B$43.75N/AN/AN/AN/AN/AN/AN/AN/A
WRLD
WORLD ACCEPTANCE CORP
$638.29M$101.61$105.003.34%Strong Sell21.17%55.18%20.42%5.65%
PYPL
PAYPAL HOLDINGS INC
$108.51B$93.83$129.9438.48%Strong Buy3310.50%35.54%28.38%7.21%
CPSS
CONSUMER PORTFOLIO SERVICES INC
$147.27M$7.06$8.0013.31%Strong Buy1-5.95%N/AN/AN/A
BBDC
BARINGS BDC INC
$930.62M$8.52$11.8338.88%Strong Buy327.68%145.24%8.89%3.94%
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.16B$6.31$8.1328.76%Strong Buy23.16%68.71%10.74%5.05%
AXP
AMERICAN EXPRESS CO
$108.24B$144.37$180.6525.13%Buy1810.30%8.01%43.95%4.97%
ALLY
ALLY FINANCIAL INC
$9.47B$30.69$48.3657.59%Buy113.96%1.01%18.00%1.36%
NAVI
NAVIENT CORP
$2.19B$15.47$16.506.66%Hold5-28.76%-12.89%14.11%0.54%
ENVA
ENOVA INTERNATIONAL INC
$1.00B$31.27$48.6755.63%Strong Buy360.63%1.68%19.82%6.75%
GSBD
GOLDMAN SACHS BDC INC
$1.54B$15.04$16.7511.37%Hold2-0.80%49.24%12.43%5.36%
SLM
SLM CORP
$3.89B$15.48$21.0035.66%Buy6-4.26%-2.60%40.95%2.94%
ORCC
OWL ROCK CAPITAL CORP
$4.35B$11.04$14.5031.34%Hold44.00%62.20%10.22%4.45%
RM
REGIONAL MANAGEMENT CORP
$283.92M$29.63$51.0072.12%Buy45.65%-18.52%22.34%4.31%
OMF
ONEMAIN HOLDINGS INC
$4.06B$32.83$61.2586.57%Strong Buy99.98%-2.84%35.39%4.84%
SOS
SOS LTD
$50.03M$4.89N/AN/AN/AN/AN/AN/AN/AN/A
CACC
CREDIT ACCEPTANCE CORP
$6.06B$468.67$435.50-7.08%Sell4-3.05%1.38%46.34%10.09%
UPST
UPSTART HOLDINGS INC
$1.77B$21.74$64.50196.69%Hold14-6.43%-59.64%-1.50%-0.59%
BTBT
BIT DIGITAL INC
$100.55M$1.22$4.00227.87%Buy1N/AN/AN/AN/A
SNFCA
SECURITY NATIONAL FINANCIAL CORP
$134.61M$6.23N/AN/AN/AN/AN/AN/AN/AN/A
LU
LUFAX HOLDING LTD
$5.65B$2.47$5.80134.82%Buy3N/AN/AN/AN/A
IX
ORIX CORP
$18.74B$74.48$117.4057.63%Strong Buy312.07%14.87%75.63%17.04%
NCPL
NETCAPITAL INC
$7.90M$1.85N/AN/AN/AN/AN/AN/AN/AN/A
LC
LENDINGCLUB CORP
$1.26B$12.15$36.67201.79%Strong Buy48.44%-15.81%18.73%3.27%
LMFA
LM FUNDING AMERICA INC
$12.57M$0.96$4.00316.67%Strong Buy1N/AN/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$3.44M$0.39N/AN/AN/AN/AN/AN/AN/AN/A
NNI
NELNET INC
$3.04B$81.79$88.007.59%Hold1N/AN/AN/AN/A
COF
CAPITAL ONE FINANCIAL CORP
$37.97B$98.94$151.4653.08%Buy147.46%-8.28%14.75%1.79%
SOFI
SOFI TECHNOLOGIES INC
$4.87B$5.28$12.85143.30%Buy1430.05%N/A4.98%2.04%
CURO
CURO GROUP HOLDINGS CORP
$196.32M$4.85$19.00291.75%Buy165.32%N/A65.49%2.83%
FINV
FINVOLUTION GROUP
$6.90B$4.85$5.6817.11%Strong Buy19.81%N/AN/AN/A
SNTG
SENTAGE HOLDINGS INC
$6.31M$2.26N/AN/AN/AN/AN/AN/AN/AN/A
YRD
YIREN DIGITAL LTD
$89.25M$1.05N/AN/AStrong Sell1N/AN/AN/AN/A
LYL
DRAGON VICTORY INTERNATIONAL LTD
$18.41M$0.78N/AN/AN/AN/AN/AN/AN/AN/A
PRAA
PRA GROUP INC
$1.29B$33.00$52.0057.58%Buy1-6.74%-19.36%9.11%2.69%
JT
JIANPU TECHNOLOGY INC
$38.35M$1.81N/AN/AStrong Buy1N/AN/AN/AN/A
ELVT
ELEVATE CREDIT INC
$32.91M$1.06$3.50230.19%Buy114.04%N/AN/AN/A
PGY
PAGAYA TECHNOLOGIES LTD
$1.36B$1.69$12.00610.06%Hold1N/AN/AN/AN/A
QD
QUDIAN INC
$238.52M$0.96N/AN/AStrong Sell1N/AN/AN/AN/A
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$17.34M$0.28N/AN/AN/AN/AN/AN/AN/AN/A
XYF
X FINANCIAL
$130.83M$2.36$1.70-27.97%Hold1N/AN/AN/AN/A
MGI
MONEYGRAM INTERNATIONAL INC
$1.01B$10.49$6.00-42.80%Strong Sell11.81%N/A-24.49%1.01%
SUNL
SUNLIGHT FINANCIAL HOLDINGS INC
$175.40M$1.34$4.42229.63%Buy615.73%N/A8.03%4.58%
AHG
AKSO HEALTH GROUP
$15.13M$0.93N/AN/AN/AN/AN/AN/AN/AN/A
MEGL
MAGIC EMPIRE GLOBAL LTD
N/A$3.69N/AN/AN/AN/AN/AN/AN/AN/A
NICK
NICHOLAS FINANCIAL INC
$71.44M$5.67N/AN/AN/AN/AN/AN/AN/AN/A
SHFS
SHF HOLDINGS INC
$112.07M$7.52N/AN/AN/AN/AN/AN/AN/AN/A
FOA
FINANCE OF AMERICA COMPANIES INC
$100.86M$1.61$3.78134.47%Buy4-8.14%N/A15.18%0.26%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Oct 2022?

According to Zen Score, the 3 best credit service stocks to buy right now are:

1. Firstcash Holdings (NASDAQ:FCFS)


Firstcash Holdings (NASDAQ:FCFS) is the top credit service stock with a Zen Score of 62, which is 29 points higher than the credit service industry average of 33. It passed 22 out of 38 due diligence checks and has strong fundamentals. Firstcash Holdings has seen its stock lose -8.8% over the past year, overperforming other credit service stocks by 30 percentage points.

Firstcash Holdings has an average 1 year price target of $87.00, an upside of 10.39% from Firstcash Holdings's current stock price of $78.81.

Firstcash Holdings stock has a consensus Buy recommendation according to Wall Street analysts. Of the 4 analysts covering Firstcash Holdings, 25% have issued a Strong Buy rating, 0% have issued a Buy, 75% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the second best credit service stock with a Zen Score of 60, which is 27 points higher than the credit service industry average of 33. It passed 20 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -75.26% over the past year, underperforming other credit service stocks by -37 percentage points.

Open Lending has an average 1 year price target of $17.71, an upside of 108.65% from Open Lending's current stock price of $8.49.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 7 analysts covering Open Lending, 28.57% have issued a Strong Buy rating, 28.57% have issued a Buy, 28.57% have issued a hold, while 0% have issued a Sell rating, and 14.29% have issued a Strong Sell.

3. Visa (NYSE:V)


Visa (NYSE:V) is the third best credit service stock with a Zen Score of 56, which is 23 points higher than the credit service industry average of 33. It passed 22 out of 38 due diligence checks and has strong fundamentals. Visa has seen its stock lose -16.32% over the past year, overperforming other credit service stocks by 22 percentage points.

Visa has an average 1 year price target of $257.87, an upside of 37.4% from Visa's current stock price of $187.67.

Visa stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 15 analysts covering Visa, 46.67% have issued a Strong Buy rating, 40% have issued a Buy, 13.33% 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. Lufax Holding (NYSE:LU)


Lufax Holding (NYSE:LU) has an annual dividend yield of 12.96%, which is 8 percentage points higher than the credit service industry average of 5.43%.

Lufax Holding's dividend payout ratio of 32.8% indicates that its high dividend yield is sustainable for the long-term.

2. Goldman Sachs Bdc (NYSE:GSBD)


Goldman Sachs Bdc (NYSE:GSBD) has an annual dividend yield of 11.97%, which is 7 percentage points higher than the credit service industry average of 5.43%. Goldman Sachs Bdc's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Goldman Sachs Bdc's dividend has not shown consistent growth over the last 10 years.

Goldman Sachs Bdc's dividend payout ratio of 140.2% indicates that its high dividend yield might not be sustainable for the long-term.

3. Owl Rock Capital (NYSE:ORCC)


Owl Rock Capital (NYSE:ORCC) has an annual dividend yield of 11.23%, which is 6 percentage points higher than the credit service industry average of 5.43%.

Owl Rock Capital's dividend payout ratio of 151.2% 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 -0.93% in the last day, and up 2.34% over the last week. Amtd Digital was the among the top losers in the credit services industry, dropping -9.33% yesterday.

Shares of several companies in the broader technology sector are trading lower amid overall market weakness as stocks pull back due a rise in yields as well as possible profit taking.

What are the most undervalued credit service stocks?

Based on WallStreetZen's Valuation Score, the 3 most undervalued credit service stocks right now are:

1. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Lexinfintech Holdings has a valuation score of 100, which is 51 points higher than the credit service industry average of 49. It passed 7 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -68.26% in the past year. It has underperformed other stocks in the credit service industry by -30 percentage points.

2. Ezcorp (NASDAQ:EZPW)


Ezcorp (NASDAQ:EZPW) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Ezcorp has a valuation score of 100, which is 51 points higher than the credit service industry average of 49. It passed 7 out of 7 valuation due diligence checks.

Ezcorp's stock has gained 4.85% in the past year. It has overperformed other stocks in the credit service industry by 43 percentage points.

3. Security National Financial (NASDAQ:SNFCA)


Security National Financial (NASDAQ:SNFCA) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Security National Financial has a valuation score of 100, which is 51 points higher than the credit service industry average of 49. It passed 7 out of 7 valuation due diligence checks.

Security National Financial's stock has dropped -21.75% in the past year. It has overperformed other stocks in the credit service industry by 17 percentage points.

Are credit service stocks a good buy now?

37.04% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 33.62% over the next year.

What is the average p/e ratio of the credit services industry?

The average P/E ratio of the credit services industry is 25.7x.
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.