Sectors & IndustriesFinancial 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
B
Credit Services is Zen Rated B and is the 44th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Market Cap
Price
Price Target
Upside/Downside
Top Analysts Upside/Downside
Consensus
Top Analysts Consensus
Analysts
Top Analysts
Fore. Revenue Growth
Fore. Earnings Growth
Forecast ROE
Forecast ROA
OPFI
OPPFI INC
$783.31M$9.07N/AN/AN/AN/A79.57%N/A349.34%23.96%
BFH
BREAD FINANCIAL HOLDINGS INC
$3.63B$79.53$75.92-4.54%Hold1219.84%6.52%10.72%1.64%
EZPW
EZCORP INC
$1.58B$25.63$26.674.05%Buy37.92%-0.57%12.28%6.62%
FCFS
FIRSTCASH HOLDINGS INC
$8.03B$181.92$179.33-1.42%Strong Buy311.19%24.31%30.43%12.92%
ENVA
ENOVA INTERNATIONAL INC
$4.00B$161.10$185.2514.99%Strong Buy421.48%31.82%48.54%10.45%
RM
REGIONAL MANAGEMENT CORP
$345.29M$35.55N/AN/AN/AN/A11.88%48.21%21.89%4.01%
MA
MASTERCARD INC
$492.77B$548.74$672.1222.48%Strong Buy1714.95%19.86%338.66%50.23%
OPRT
OPORTUN FINANCIAL CORP
$248.01M$5.62$5.50-2.14%Hold1147.05%104.97%20.51%2.47%
LC
LENDINGCLUB CORP
$1.95B$16.94$22.6733.81%Strong Buy617.70%67.39%28.02%3.70%
IX
ORIX CORP
$37.56B$32.30N/AN/AN/AN/A1,189.75%N/A1,911.36%482.25%
PMTS
CPI CARD GROUP INC
$147.24M$12.93$27.67113.98%Strong Buy315.01%85.08%-150.74%9.50%
ATLC
ATLANTICUS HOLDINGS CORP
$843.23M$55.69$97.5075.08%Strong Buy4548.53%27.44%29.46%2.45%
JCAP
JEFFERSON CAPITAL INC
$1.28B$21.96$27.0022.95%Buy2N/AN/A38.91%9.44%
AXP
AMERICAN EXPRESS CO
$246.60B$359.15$373.103.88%Hold1011.79%13.96%51.38%5.73%
V
VISA INC
$610.90B$331.58$408.0823.07%Strong Buy1210.03%15.92%88.24%35.34%
SEZL
SEZZLE INC
$2.31B$67.71$91.6735.38%Buy337.23%30.65%122.47%51.82%
NNI
NELNET INC
$4.75B$132.12$140.005.96%Hold1-8.19%-25.23%9.34%2.46%
SYF
SYNCHRONY FINANCIAL
$26.13B$75.16$88.0017.08%Buy1625.87%6.91%N/AN/A
OMF
ONEMAIN HOLDINGS INC
$7.22B$61.64$72.0016.81%Buy969.17%21.07%33.18%4.12%
LX
LEXINFINTECH HOLDINGS LTD
$478.39M$2.81$3.5024.56%Hold1610.56%630.93%312.96%160.43%
FINV
FINVOLUTION GROUP
$1.33B$5.30N/AN/AN/AN/A550.41%457.53%566.90%353.59%
XYF
X FINANCIAL
$205.92M$5.26N/AN/AN/AN/AN/AN/AN/AN/A
BBDC
BARINGS BDC INC
$938.02M$8.92$9.506.50%Buy2-6.84%3.70%8.04%3.33%
COF
CAPITAL ONE FINANCIAL CORP
$141.64B$222.79$278.5425.02%Strong Buy1335.08%128.71%13.06%2.25%
ALLY
ALLY FINANCIAL INC
$13.03B$42.31$53.9027.39%Strong Buy109.21%103.95%12.39%0.98%
UPST
UPSTART HOLDINGS INC
$3.72B$38.24$60.1357.23%Buy821.94%123.12%62.31%15.95%
SLM
SLM CORP
$5.54B$27.30$30.8913.15%Buy911.82%6.35%34.05%2.69%
QFIN
QFIN HOLDINGS INC
$2.11B$16.08$21.0030.60%Hold1163.05%147.33%N/AN/A
FOA
FINANCE OF AMERICA COMPANIES INC
$172.66M$21.88$29.5034.83%Hold157.19%N/A14.13%0.13%
YRD
YIREN DIGITAL LTD
$332.68M$3.82N/AN/AN/AN/AN/AN/AN/AN/A
HTT
HIGH TEMPLAR TECH LIMITED
$465.29M$2.89N/AN/AN/AN/AN/AN/AN/AN/A
CACC
CREDIT ACCEPTANCE CORP
$5.61B$508.90$470.00-7.64%Hold13.07%19.09%36.49%6.67%
MFIN
MEDALLION FINANCIAL CORP
$240.71M$10.34N/AN/AN/AN/A48.16%-10.40%10.46%1.43%
PYPL
PAYPAL HOLDINGS INC
$37.21B$40.42$62.6855.08%Hold196.89%10.70%41.96%10.60%
WU
WESTERN UNION CO
$3.27B$10.28$9.40-8.56%Hold52.25%-6.18%63.68%7.57%
SOFI
SOFI TECHNOLOGIES INC
$25.16B$20.86$27.7733.14%Buy1126.24%21.21%14.99%2.91%
RWAY
RUNWAY GROWTH FINANCE CORP
$319.79M$8.85$11.2527.12%Buy44.91%4.78%11.82%6.01%
GDOT
GREEN DOT CORP
$666.18M$12.02N/AN/AN/AN/A16.80%N/A10.09%1.60%
WRLD
WORLD ACCEPTANCE CORP
$620.14M$123.09N/AN/AN/AN/A0.51%11.67%23.19%7.98%
LPRO
OPEN LENDING CORP
$199.74M$1.69$2.9373.55%Buy3522.37%N/A33.11%8.38%
PRAA
PRA GROUP INC
$446.73M$11.45$26.00127.07%Strong Buy16.40%N/A-1.71%-0.32%
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$1.87B$171.82$219.0027.46%Buy119.32%10.14%13.27%0.67%
OBDC
BLUE OWL CAPITAL CORP
$5.86B$11.46$13.9221.44%Buy61.39%0.50%9.16%3.96%
BRR
PROCAP FINANCIAL INC
$184.81M$2.17N/AN/AN/AN/AN/AN/AN/AN/A
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.07B$12.14$12.00-1.15%Hold1-0.66%105.26%8.76%4.06%
NAVI
NAVIENT CORP
$979.94M$10.05$11.7516.92%Sell429.21%N/A5.18%0.26%
SUIG
SUI GROUP HOLDINGS LTD
$113.80M$1.37$5.75319.71%Strong Buy2N/AN/A-0.63%-0.59%
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$5.04M$1.05N/AN/AN/AN/AN/AN/AN/AN/A
ANTA
ANTALPHA PLATFORM HOLDING CO
$217.12M$9.17$14.0052.67%Strong Buy1N/AN/A22.83%1.07%
JF
J AND FRIENDS HOLDINGS LTD
$15.14M$0.94N/AN/AN/AN/AN/AN/AN/AN/A
CPSS
CONSUMER PORTFOLIO SERVICES INC
$197.54M$8.95N/AN/AN/AN/AN/AN/A10.61%0.86%
SNTG
SENTAGE HOLDINGS INC
$5.78M$2.06N/AN/AN/AN/AN/AN/AN/AN/A
DXF
EASON TECHNOLOGY LTD
$332.34M$1.13N/AN/AN/AN/AN/AN/AN/AN/A
LMFA
LM FUNDING AMERICA INC
$4.21M$0.35$5.001,349.28%Buy1N/AN/A-32.29%-26.91%
AIHS
SENMIAO TECHNOLOGY LTD
$3.72M$1.16N/AN/AN/AN/AN/AN/AN/AN/A

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Feb 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 -44.56% over the past year, underperforming other credit service stocks by -44 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: A, Safety: C, Financials: C, and AI: A.

Bread Financial Holdings (NYSE:BFH) has a Due Diligence Score of 37, which is 5 points higher than the credit service industry average of 32.

BFH passed 13 out of 38 due diligence checks and has average fundamentals. Bread Financial Holdings has seen its stock return 26.7% over the past year, overperforming other credit service stocks by 27 percentage points.

Bread Financial Holdings has an average 1 year price target of $75.92, a downside of -4.54% from Bread Financial Holdings's current stock price of $79.53.

Bread Financial Holdings stock has a consensus Hold recommendation according to Wall Street analysts. Of the 12 analysts covering Bread Financial Holdings, 25% have issued a Strong Buy rating, 8.33% have issued a Buy, 25% have issued a hold, while 0% have issued a Sell rating, and 41.67% have issued a Strong Sell.

3. Ezcorp (NASDAQ:EZPW)


Ezcorp (NASDAQ:EZPW) 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 Ezcorp (NASDAQ:EZPW) is: Value: C, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: C.

Ezcorp (NASDAQ:EZPW) has a Due Diligence Score of 48, which is 16 points higher than the credit service industry average of 32.

EZPW passed 15 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 107.36% over the past year, overperforming other credit service stocks by 108 percentage points.

Ezcorp has an average 1 year price target of $26.67, an upside of 4.05% from Ezcorp's current stock price of $25.63.

Ezcorp stock has a consensus Buy recommendation according to Wall Street analysts. Of the 3 analysts covering Ezcorp, 33.33% have issued a Strong Buy rating, 33.33% have issued a Buy, 33.33% 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 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 15.82%, which is 11 percentage points higher than the credit service industry average of 5.1%. 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 13.92%, which is 9 percentage points higher than the credit service industry average of 5.1%. 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 469.4% indicates that its high dividend yield might not be sustainable for the long-term.

3. Blue Owl Capital (NYSE:OBDC)


Blue Owl Capital (NYSE:OBDC) has an annual dividend yield of 13.61%, which is 9 percentage points higher than the credit service industry average of 5.1%. Blue Owl Capital's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Blue Owl Capital's dividend has shown consistent growth over the last 10 years.

Blue Owl Capital's dividend payout ratio of 114.2% 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 1.9% in the last day, and up 1.52% over the last week. Ezcorp was the among the top gainers in the credit services industry, gaining 11.73% yesterday.

EZCORP shares are trading higher after Stephens & Co. raised its price target on the stock from $22 to $26.

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 30 points higher than the credit service industry average of 41. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -62.16% in the past year. It has underperformed other stocks in the credit service industry by -62 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 57, which is 16 points higher than the credit service industry average of 41. It passed 4 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 26.7% in the past year. It has overperformed other stocks in the credit service industry by 27 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 30 points higher than the credit service industry average of 41. It passed 5 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -55.24% in the past year. It has underperformed other stocks in the credit service industry by -55 percentage points.

Are credit service stocks a good buy now?

36.84% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 16.01% over the next year.

8.51% of credit service stocks have a Zen Rating of A (Strong Buy), 10.64% of credit service stocks are rated B (Buy), 74.47% are rated C (Hold), 6.38% 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 34.22x.
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.