WallStreetZenWallStreetZen

Best Credit Service Stocks to Buy Now (2023)
Top credit service stocks in 2023 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
QFIN
360 DIGITECH INC
$2.78B$17.79$25.3942.72%Strong Buy127.65%39.45%67.86%31.70%
LPRO
OPEN LENDING CORP
$848.49M$6.86$10.7556.71%Buy816.99%54.72%54.05%30.30%
LX
LEXINFINTECH HOLDINGS LTD
$385.75M$2.29$3.6057.21%Strong Buy169.95%74.67%38.27%14.54%
HKD
AMTD DIGITAL INC
$193.93M$7.17N/AN/AN/AN/AN/AN/AN/AN/A
SLM
SLM CORP
$2.89B$12.00$17.3344.44%Hold925.01%59.55%44.97%2.70%
ATLC
ATLANTICUS HOLDINGS CORP
$359.80M$24.90$47.5090.76%Strong Buy2N/AN/A26.56%3.63%
OMF
ONEMAIN HOLDINGS INC
$4.16B$34.42$48.9242.12%Buy1234.06%9.41%34.62%4.65%
BFH
BREAD FINANCIAL HOLDINGS INC
$1.47B$29.43$48.1363.52%Buy844.63%72.17%29.03%2.59%
NAVI
NAVIENT CORP
$2.01B$15.55$16.938.87%Hold7-41.01%-35.24%12.60%0.53%
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$1.35B$125.20$151.5021.01%Buy2N/AN/AN/AN/A
MA
MASTERCARD INC
$334.62B$351.03$415.5718.39%Strong Buy2215.19%20.79%N/AN/A
ALLY
ALLY FINANCIAL INC
$7.38B$24.55$32.9334.15%Hold176.15%31.23%19.09%1.28%
SYF
SYNCHRONY FINANCIAL
$12.65B$28.94$37.7930.57%Buy1531.18%2.80%N/AN/A
DFS
DISCOVER FINANCIAL SERVICES
$24.83B$94.78$117.0823.53%Buy1311.37%-0.67%N/AN/A
WU
WESTERN UNION CO
$4.04B$10.81$13.6326.04%Sell12-2.02%-21.70%156.41%8.80%
GDOT
GREEN DOT CORP
$841.48M$16.27$20.3324.97%Buy40.10%54.17%N/AN/A
AXP
AMERICAN EXPRESS CO
$121.12B$162.75$169.063.88%Hold1812.63%12.98%N/AN/A
MFIN
MEDALLION FINANCIAL CORP
$183.29M$7.86$9.0014.50%Hold1N/AN/A12.75%1.70%
CPSS
CONSUMER PORTFOLIO SERVICES INC
$202.48M$9.86$8.00-18.86%Strong Buy1N/AN/AN/AN/A
AIHS
SENMIAO TECHNOLOGY LTD
$6.95M$0.90N/AN/AN/AN/AN/AN/AN/AN/A
PYPL
PAYPAL HOLDINGS INC
$84.11B$74.34$109.5247.32%Strong Buy3413.40%33.17%N/AN/A
COF
CAPITAL ONE FINANCIAL CORP
$34.68B$91.01$115.3026.69%Hold1615.52%1.87%14.87%1.72%
EZPW
EZCORP INC
$452.44M$8.13$11.7544.53%Strong Buy2N/AN/A7.02%3.53%
LC
LENDINGCLUB CORP
$720.42M$6.76$20.00195.86%Buy211.95%-98.15%N/AN/A
FCFS
FIRSTCASH HOLDINGS INC
$4.23B$91.43$96.805.87%Buy5N/AN/A15.69%7.55%
V
VISA INC
$453.85B$220.04$253.4815.20%Strong Buy229.51%15.60%69.15%29.90%
NNI
NELNET INC
$3.37B$90.68$93.002.56%Hold1N/AN/AN/AN/A
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.40B$18.11$14.63-19.24%Strong Buy4-4.59%1,750.00%4.75%2.06%
ENVA
ENOVA INTERNATIONAL INC
$1.35B$42.72$54.0026.40%Buy1N/AN/A18.25%5.72%
SOS
SOS LTD
$46.04M$4.50N/AN/AN/AN/AN/AN/AN/AN/A
PMTS
CPI CARD GROUP INC
$463.75M$40.71$26.00-36.13%Strong Buy1N/AN/AN/AN/A
NRDS
NERDWALLET INC
$1.30B$17.19$20.0016.35%Strong Buy319.34%N/AN/AN/A
PGY
PAGAYA TECHNOLOGIES LTD
$686.23M$1.01$4.59354.26%Buy4N/AN/AN/AN/A
LU
LUFAX HOLDING LTD
$4.33B$1.89$2.9053.60%Hold6N/AN/AN/AN/A
WRLD
WORLD ACCEPTANCE CORP
$492.81M$79.12$74.67-5.63%Strong Sell3-1.95%115.22%19.93%5.89%
RM
REGIONAL MANAGEMENT CORP
$249.60M$26.21$34.5031.63%Hold2N/AN/A21.48%3.84%
IX
ORIX CORP
$20.73B$82.36$117.4042.54%Strong Buy310.07%11.52%74.24%16.61%
LMFA
LM FUNDING AMERICA INC
$10.71M$0.82$4.00389.00%Strong Buy1N/AN/AN/AN/A
FINV
FINVOLUTION GROUP
$5.59B$3.94$5.6844.16%Strong Buy1N/AN/AN/AN/A
SOFI
SOFI TECHNOLOGIES INC
$5.20B$5.56$7.8541.12%Buy1429.55%N/AN/AN/A
NCPL
NETCAPITAL INC
$6.55M$1.08N/AN/AN/AN/AN/AN/AN/AN/A
CACC
CREDIT ACCEPTANCE CORP
$5.25B$408.99$410.670.41%Hold3N/AN/A43.08%10.13%
BTBT
BIT DIGITAL INC
$108.84M$1.32$2.0051.52%Buy1N/AN/AN/AN/A
SNTG
SENTAGE HOLDINGS INC
$5.32M$1.90N/AN/AN/AN/AN/AN/AN/AN/A
ORCC
OWL ROCK CAPITAL CORP
$4.82B$12.34$13.8312.10%Hold3N/AN/A9.84%4.26%
SNFCA
SECURITY NATIONAL FINANCIAL CORP
$131.84M$6.10N/AN/AN/AN/AN/AN/AN/AN/A
MATH
METALPHA TECHNOLOGY HOLDING LTD
$23.83M$1.01N/AN/AN/AN/AN/AN/AN/AN/A
SUNL
SUNLIGHT FINANCIAL HOLDINGS INC
$43.32M$0.34$3.02801.49%Hold527.69%N/A15.50%7.94%
JT
JIANPU TECHNOLOGY INC
$36.56M$1.72N/AN/AStrong Buy1N/AN/AN/AN/A
GSBD
GOLDMAN SACHS BDC INC
$1.42B$13.77$15.3811.66%Hold4N/AN/A13.23%5.53%
YRD
YIREN DIGITAL LTD
$191.07M$2.13N/AN/AStrong Sell1N/AN/AN/AN/A
QD
QUDIAN INC
$277.24M$1.17N/AN/AStrong Sell1N/AN/AN/AN/A
BBDC
BARINGS BDC INC
$828.80M$7.68$10.1932.66%Strong Buy4N/AN/A9.23%4.06%
OPRT
OPORTUN FINANCIAL CORP
$120.31M$3.60$5.6356.25%Buy4N/AN/A7.87%1.19%
UPST
UPSTART HOLDINGS INC
$1.15B$14.11$26.8590.26%Sell145.29%N/AN/AN/A
FOA
FINANCE OF AMERICA COMPANIES INC
$86.82M$1.36$2.2867.28%Buy496.96%N/A22.37%0.27%
AHG
AKSO HEALTH GROUP
$7.77M$0.34N/AN/AN/AN/AN/AN/AN/AN/A
PRAA
PRA GROUP INC
$1.55B$39.72$50.0025.88%Buy2N/AN/A8.95%2.63%
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$8.14M$0.13N/AN/AN/AN/AN/AN/AN/AN/A
RWAY
RUNWAY GROWTH FINANCE CORP
$476.79M$11.77$14.2521.07%Strong Buy4N/AN/A11.74%5.93%
XYF
X FINANCIAL
$159.04M$2.96$1.70-42.57%Hold1N/AN/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$8.28M$0.94N/AN/AN/AN/AN/AN/AN/AN/A
NICK
NICHOLAS FINANCIAL INC
$65.53M$5.16N/AN/AN/AN/AN/AN/AN/AN/A
MGI
MONEYGRAM INTERNATIONAL INC
$1.01B$10.41$8.50-18.35%Hold2N/AN/A-31.15%1.01%
SHFS
SHF HOLDINGS INC
$9.60M$0.51$10.501,946.78%Strong Buy1N/AN/AN/AN/A
MEGL
MAGIC EMPIRE GLOBAL LTD
$32.00M$1.60N/AN/AN/AN/AN/AN/AN/AN/A
CURO
CURO GROUP HOLDINGS CORP
$68.60M$1.68$4.00138.10%Hold2N/AN/A-141.06%2.74%

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Mar 2023?

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

1. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the top credit service stock with a Zen Score of 70, which is 39 points higher than the credit service industry average of 31. It passed 27 out of 38 due diligence checks and has strong fundamentals. 360 Digitech has seen its stock return 4.59% over the past year, overperforming other credit service stocks by 28 percentage points.

360 Digitech has an average 1 year price target of $25.39, an upside of 42.72% from 360 Digitech's current stock price of $17.79.

360 Digitech stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering 360 Digitech, 100% have issued a Strong Buy rating, 0% have issued a Buy, 0% 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 62, which is 31 points higher than the credit service industry average of 31. It passed 20 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -65.67% over the past year, underperforming other credit service stocks by -42 percentage points.

Open Lending has an average 1 year price target of $10.75, an upside of 56.71% from Open Lending's current stock price of $6.86.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 8 analysts covering Open Lending, 25% have issued a Strong Buy rating, 37.5% have issued a Buy, 25% have issued a hold, while 0% have issued a Sell rating, and 12.5% have issued a Strong Sell.

3. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the third best credit service stock with a Zen Score of 60, which is 29 points higher than the credit service industry average of 31. It passed 19 out of 33 due diligence checks and has strong fundamentals. Lexinfintech Holdings has seen its stock lose -27.99% over the past year, underperforming other credit service stocks by -5 percentage points.

Lexinfintech Holdings has an average 1 year price target of $3.60, an upside of 57.21% from Lexinfintech Holdings's current stock price of $2.29.

Lexinfintech Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Lexinfintech Holdings, 100% have issued a Strong Buy rating, 0% have issued a Buy, 0% 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. Lufax Holding (NYSE:LU)


Lufax Holding (NYSE:LU) has an annual dividend yield of 24.87%, which is 19 percentage points higher than the credit service industry average of 6.07%.

Lufax Holding's dividend payout ratio of 85.2% 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 13.07%, which is 7 percentage points higher than the credit service industry average of 6.07%. 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 333.3% 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 12.63%, which is 7 percentage points higher than the credit service industry average of 6.07%. 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 1,440% 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 -1.98% in the last day, and up 0.46% over the last week. Capital One Financial was the among the top losers in the credit services industry, dropping -3.75% yesterday.

Shares of banks and financial services stocks are trading lower amid overall market volatility following the Fed's rate decision as well as continued banking volatility.

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. Atlanticus Holdings (NASDAQ:ATLC)


Atlanticus Holdings (NASDAQ:ATLC) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Atlanticus Holdings has a valuation score of 100, which is 53 points higher than the credit service industry average of 47. It passed 7 out of 7 valuation due diligence checks.

Atlanticus Holdings's stock has dropped -55.87% in the past year. It has underperformed other stocks in the credit service industry by -32 percentage points.

2. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Lexinfintech Holdings has a valuation score of 100, which is 53 points higher than the credit service industry average of 47. It passed 7 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -27.99% in the past year. It has underperformed other stocks in the credit service industry by -5 percentage points.

3. Medallion Financial (NASDAQ:MFIN)


Medallion Financial (NASDAQ:MFIN) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Medallion Financial has a valuation score of 100, which is 53 points higher than the credit service industry average of 47. It passed 7 out of 7 valuation due diligence checks.

Medallion Financial's stock has dropped -16.2% in the past year. It has overperformed other stocks in the credit service industry by 7 percentage points.

Are credit service stocks a good buy now?

32.73% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 17.87% 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 27.55x.
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.