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Best Credit Service Stocks to Buy Now (2024)
Top credit service stocks in 2024 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
Top Analysts Upside/Downside
Consensus
Top Analysts Consensus
Analysts
Top Analysts
Fore. Revenue Growth
Fore. Earnings Growth
Forecast ROE
Forecast ROA
DFS
DISCOVER FINANCIAL SERVICES
$30.50B$121.71$119.87-1.51%Buy1529.69%26.68%N/AN/A
PYPL
PAYPAL HOLDINGS INC
$63.40B$59.16$68.0014.94%Buy257.48%11.87%N/AN/A
V
VISA INC
$572.40B$283.60$294.003.67%Strong Buy159.20%13.11%67.21%29.21%
QFIN
QIFU TECHNOLOGY INC
$2.53B$15.75N/AN/AN/AN/A18.95%72.52%N/AN/A
COF
CAPITAL ONE FINANCIAL CORP
$51.53B$135.52$136.290.57%Buy1423.71%44.81%N/AN/A
MA
MASTERCARD INC
$441.65B$473.42$477.120.78%Strong Buy1712.16%25.03%N/AN/A
MFIN
MEDALLION FINANCIAL CORP
$196.02M$8.39N/AN/AN/AN/A33.95%N/AN/AN/A
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.59B$20.15$20.752.98%Buy20.29%45.10%N/AN/A
OMF
ONEMAIN HOLDINGS INC
$5.57B$46.47$51.7311.31%Buy1146.80%62.85%N/AN/A
WU
WESTERN UNION CO
$4.43B$12.96$13.504.17%Sell4-2.07%16.91%N/AN/A
ALLY
ALLY FINANCIAL INC
$11.01B$36.21$35.93-0.78%Buy145.69%110.71%N/AN/A
LPRO
OPEN LENDING CORP
$971.20M$8.11$7.08-12.66%Buy62.50%416.67%N/AN/A
SLM
SLM CORP
$4.33B$19.67$19.65-0.10%Buy103.61%28.04%N/AN/A
SYF
SYNCHRONY FINANCIAL
$16.32B$40.12$41.002.19%Buy1158.84%14.33%N/AN/A
ATLC
ATLANTICUS HOLDINGS CORP
$481.39M$33.00$38.5016.67%Buy2286.82%N/AN/AN/A
QD
QUDIAN INC
$530.23M$2.47N/AN/AN/AN/AN/AN/AN/AN/A
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$1.96B$180.56$220.0021.84%Buy1N/AN/AN/AN/A
AXP
AMERICAN EXPRESS CO
$155.31B$214.56$185.67-13.47%Buy1513.89%14.81%44.60%4.79%
LX
LEXINFINTECH HOLDINGS LTD
$292.80M$1.78$2.1219.10%Hold1N/AN/A34.28%14.13%
EZPW
EZCORP INC
$590.70M$10.71N/AN/AN/AN/A7.57%N/AN/AN/A
NAVI
NAVIENT CORP
$1.91B$16.28$17.004.42%Sell6-30.01%0.69%N/AN/A
ENVA
ENOVA INTERNATIONAL INC
$1.73B$61.41$59.00-3.92%Hold395.07%N/AN/AN/A
BFH
BREAD FINANCIAL HOLDINGS INC
$1.82B$36.78$34.88-5.18%Sell814.63%-4.51%N/AN/A
NRDS
NERDWALLET INC
$1.28B$16.61$17.002.35%Buy58.88%N/AN/AN/A
FINV
FINVOLUTION GROUP
$1.42B$5.23N/AN/AN/AN/AN/AN/AN/AN/A
FCFS
FIRSTCASH HOLDINGS INC
$5.30B$117.54$130.5011.03%Buy29.29%N/AN/AN/A
LC
LENDINGCLUB CORP
$899.85M$8.15$9.5016.56%Strong Buy2-1.74%132.74%N/AN/A
BBDC
BARINGS BDC INC
$1.02B$9.63$8.75-9.14%Hold1-2.24%N/AN/AN/A
IX
ORIX CORP
$25.68B$103.97N/AN/AN/AN/A31.38%49.96%71.69%16.94%
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$17.73M$4.50N/AN/AN/AN/AN/AN/AN/AN/A
YRD
YIREN DIGITAL LTD
$452.78M$5.12N/AN/AN/AN/AN/AN/AN/AN/A
XYF
X FINANCIAL
$198.98M$4.14N/AN/AN/AN/AN/AN/AN/AN/A
CPSS
CONSUMER PORTFOLIO SERVICES INC
$182.90M$8.66N/AN/AN/AN/AN/AN/AN/AN/A
SOFI
SOFI TECHNOLOGIES INC
$7.83B$8.17$9.5016.28%Hold920.41%N/AN/AN/A
PMTS
CPI CARD GROUP INC
$221.68M$19.35$35.5083.46%Strong Buy2N/AN/AN/AN/A
RWAY
RUNWAY GROWTH FINANCE CORP
$548.09M$13.53$13.25-2.07%Buy21.18%N/AN/AN/A
NNI
NELNET INC
$3.34B$89.45$95.006.20%Hold1N/AN/AN/AN/A
LMFA
LM FUNDING AMERICA INC
$7.02M$0.48N/AN/AN/AN/AN/AN/AN/AN/A
SNTG
SENTAGE HOLDINGS INC
$6.62M$2.36N/AN/AN/AN/AN/AN/AN/AN/A
GDOT
GREEN DOT CORP
$441.65M$8.42$10.3322.72%Hold31.14%N/AN/AN/A
RM
REGIONAL MANAGEMENT CORP
$225.62M$23.12$30.0029.76%Hold15.68%N/AN/AN/A
WRLD
WORLD ACCEPTANCE CORP
$789.34M$129.82$56.00-56.86%Sell1-2.12%-2.29%N/AN/A
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$7.68M$0.35N/AN/AN/AN/AN/AN/AN/AN/A
CACC
CREDIT ACCEPTANCE CORP
$6.78B$550.77$393.50-28.55%Hold27.54%N/AN/AN/A
OBDC
BLUE OWL CAPITAL CORP
$5.88B$15.08$15.502.79%Hold5-1.60%N/AN/AN/A
LU
LUFAX HOLDING LTD
$1.59B$2.78N/AN/AN/AN/AN/AN/AN/AN/A
AIHS
SENMIAO TECHNOLOGY LTD
$7.29M$0.76N/AN/AN/AN/AN/AN/AN/AN/A
UPST
UPSTART HOLDINGS INC
$2.10B$24.24$24.20-0.17%Sell515.20%N/AN/AN/A
OPFI
OPPFI INC
$365.21M$3.30$5.0051.52%Buy1N/AN/AN/AN/A
MCVT
MILL CITY VENTURES III LTD
$16.09M$2.52N/AN/AN/AN/AN/AN/AN/AN/A
OPRT
OPORTUN FINANCIAL CORP
$132.81M$3.88$7.3388.99%Buy3203.80%N/AN/AN/A
NICK
NICHOLAS FINANCIAL INC
$51.98M$7.09N/AN/AN/AN/AN/AN/AN/AN/A
PAPL
PINEAPPLE FINANCIAL INC
$10.56M$1.47N/AN/AN/AN/AN/AN/AN/AN/A
CURO
CURO GROUP HOLDINGS CORP
$10.74M$0.26$0.4053.85%Hold124.47%N/AN/AN/A
MDBH
MDB CAPITAL HOLDINGS LLC
$112.11M$12.06N/AN/AN/AN/AN/AN/AN/AN/A
FOA
FINANCE OF AMERICA COMPANIES INC
$75.10M$0.85$1.7099.06%Strong Buy2N/AN/A47.51%0.30%
PRAA
PRA GROUP INC
$1.03B$26.28$33.0025.57%Buy119.60%N/AN/AN/A
GRYP
GRYPHON DIGITAL MINING INC
$1.19M$2.33N/AN/AN/AN/AN/AN/AN/A-1,912.81%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$18.78M$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 2024?

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

1. Discover Financial Services (NYSE:DFS)


Discover Financial Services (NYSE:DFS) is the top credit service stock with a Zen Score of 51, which is 20 points higher than the credit service industry average of 31. It passed 18 out of 38 due diligence checks and has strong fundamentals. Discover Financial Services has seen its stock return 9.95% over the past year, underperforming other credit service stocks by -5 percentage points.

Discover Financial Services has an average 1 year price target of $119.87, a downside of -1.51% from Discover Financial Services's current stock price of $121.71.

Discover Financial Services stock has a consensus Buy recommendation according to Wall Street analysts. Of the 15 analysts covering Discover Financial Services, 33.33% have issued a Strong Buy rating, 13.33% have issued a Buy, 53.33% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. PayPal (NASDAQ:PYPL)


PayPal (NASDAQ:PYPL) is the second best credit service stock with a Zen Score of 50, which is 19 points higher than the credit service industry average of 31. It passed 16 out of 33 due diligence checks and has strong fundamentals. PayPal has seen its stock lose -21.32% over the past year, underperforming other credit service stocks by -36 percentage points.

PayPal has an average 1 year price target of $68.00, an upside of 14.94% from PayPal's current stock price of $59.16.

PayPal stock has a consensus Buy recommendation according to Wall Street analysts. Of the 25 analysts covering PayPal, 24% have issued a Strong Buy rating, 16% have issued a Buy, 60% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Visa (NYSE:V)


Visa (NYSE:V) is the third best credit service stock with a Zen Score of 50, which is 19 points higher than the credit service industry average of 31. It passed 19 out of 38 due diligence checks and has strong fundamentals. Visa has seen its stock return 28.25% over the past year, overperforming other credit service stocks by 13 percentage points.

Visa has an average 1 year price target of $294.00, an upside of 3.67% from Visa's current stock price of $283.60.

Visa stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 15 analysts covering Visa, 40% have issued a Strong Buy rating, 46.67% 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 25 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 12.81%, which is 9 percentage points higher than the credit service industry average of 4.13%.

Lufax Holding's dividend payout ratio of 162.9% 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 11.27%, which is 7 percentage points higher than the credit service industry average of 4.13%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% four 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 148.4% 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 10.59%, which is 6 percentage points higher than the credit service industry average of 4.13%. Barings Bdc's dividend payout is not stable, having dropped more than 10% five 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 85% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.27% in the last day, and up 0.2% over the last week.

We couldn't find a catalyst for why credit service stocks are up.

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. Slm (NASDAQ:SLM)


Slm (NASDAQ:SLM) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Slm has a valuation score of 100, which is 56 points higher than the credit service industry average of 44. It passed 7 out of 7 valuation due diligence checks.

Slm's stock has gained 36.03% in the past year. It has overperformed other stocks in the credit service industry by 21 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 86, which is 42 points higher than the credit service industry average of 44. It passed 6 out of 7 valuation due diligence checks.

Ezcorp's stock has gained 20.61% in the past year. It has overperformed other stocks in the credit service industry by 5 percentage points.

3. Navient (NASDAQ:NAVI)


Navient (NASDAQ:NAVI) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Navient has a valuation score of 86, which is 42 points higher than the credit service industry average of 44. It passed 6 out of 7 valuation due diligence checks.

Navient's stock has dropped -10.84% in the past year. It has underperformed other stocks in the credit service industry by -26 percentage points.

Are credit service stocks a good buy now?

47.37% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to fall by -4.6% 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 29.32x.
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.