Best Credit Service Stocks to Buy Now (2025)
Top credit service stocks in 2025 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
A
Credit Services is Zen Rated A and is the 24th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Zen Rating
Growth
Market Cap
Revenue
EBITDA
Earnings
EPS
Rev. Y/Y
Rev. 5Y
Earn. Y/Y
Earn. 5Y
Earnings Date
FINV
FINVOLUTION GROUP
$2.41B$1.86BN/A$361.87M$1.414.81%14.44%25.04%7.56%
OPFI
OPPFI INC
$1.17B$349.07M$47.99M-$9.65M-$0.4025.02%N/AN/AN/A
ENVA
ENOVA INTERNATIONAL INC
$2.93B$1.61B$642.87M$233.97M$8.9024.80%9.20%53.45%109.60%2025-07-22
OPRT
OPORTUN FINANCIAL CORP
$257.63M$321.87M-$22.52M-$42.48M-$1.06-9.34%-5.58%N/AN/A
QFIN
QIFU TECHNOLOGY INC
$5.75B$2.44BN/A$951.75M$6.564.23%10.43%66.10%27.60%
EZPW
EZCORP INC
$763.04M$1.20B$228.68M$89.55M$1.648.14%6.87%15.49%N/A2025-07-30
FCFS
FIRSTCASH HOLDINGS INC
$6.07B$3.39B$985.64M$281.04M$6.285.06%12.71%21.94%11.52%2025-07-24
XYF
X FINANCIAL
$798.08M$910.53MN/A$225.50M$4.8930.47%17.51%34.10%37.03%
WRLD
WORLD ACCEPTANCE CORP
$919.44M$564.84M$164.83M$89.74M$16.54-1.46%-0.87%22.97%35.21%2025-07-24
ATLC
ATLANTICUS HOLDINGS CORP
$860.83M$426.13M$153.40M$95.44M$6.4217.70%20.31%20.90%33.22%2025-08-08
SEZL
SEZZLE INC
$5.74B$329.06M$119.53M$106.68M$3.1691.69%N/A694.72%N/A
GDOT
GREEN DOT CORP
$618.62M$1.83B$92.25M-$5.68M-$0.1219.12%10.13%N/AN/A2025-07-31
RM
REGIONAL MANAGEMENT CORP
$316.37M$597.16M$134.28M$33.03M$3.436.57%10.04%45.34%5.30%2025-07-30
LX
LEXINFINTECH HOLDINGS LTD
$1.18B$1.95BN/A$184.61M$1.104.76%3.66%38.13%2.58%2025-08-20
MFIN
MEDALLION FINANCIAL CORP
$227.49M$142.24M$66.17M$37.87M$1.67-8.86%19.78%-24.43%N/A2025-07-28
OMF
ONEMAIN HOLDINGS INC
$7.05B$2.55B$1.02B$567.00M$4.76-0.43%0.13%-7.21%-2.53%2025-07-29
PMTS
CPI CARD GROUP INC
$275.61M$491.43M$75.81M$18.84M$1.6912.81%11.50%3.68%142.87%2025-08-11
FOA
FINANCE OF AMERICA COMPANIES INC
$260.89M$429.18M$96.52M$53.24M$5.22155.35%-13.60%N/A-2.09%
CPSS
CONSUMER PORTFOLIO SERVICES INC
$217.75M$408.64M$232.78M$19.31M$0.9013.30%4.47%-47.67%7.06%2025-07-28
NNI
NELNET INC
$4.44B$1.41B$373.25M$193.20M$5.2912.19%8.18%43.75%28.84%2025-08-11
RWAY
RUNWAY GROWTH FINANCE CORP
$402.98M$140.02M$107.58M$63.43M$1.65-15.09%19.35%50.00%5.71%
BFH
BREAD FINANCIAL HOLDINGS INC
$2.79B$2.45B$473.00M$280.00M$5.69-4.00%-3.42%-28.96%13.13%2025-07-23
YRD
YIREN DIGITAL LTD
$531.36M$832.04MN/A$186.92M$2.1612.21%-5.52%-36.72%11.46%2025-08-18
CACC
CREDIT ACCEPTANCE CORP
$6.31B$2.23B$854.10M$289.90M$23.7213.77%7.86%20.90%2.05%2025-07-29
MA
MASTERCARD INC
$509.89B$29.07B$17.36B$13.14B$14.2913.12%11.32%13.23%12.73%2025-08-06
UPST
UPSTART HOLDINGS INC
$6.98B$722.11M-$44.91M-$66.43M-$0.7434.11%N/AN/AN/A
SYF
SYNCHRONY FINANCIAL
$26.44B$8.71B$4.23B$2.88B$7.360.44%1.68%4.69%10.49%2025-07-22
BBDC
BARINGS BDC INC
$971.54M$280.80M$102.48M$98.86M$0.93-3.77%29.88%-25.00%N/A
IX
ORIX CORP
$26.54B$19.85B$7.24B$2.43B$2.133.59%-1.84%4.51%-1.30%2025-08-07
ANTA
ANTALPHA PLATFORM HOLDING CO
$265.65MN/AN/AN/AN/AN/AN/AN/AN/A
COF
CAPITAL ONE FINANCIAL CORP
$83.83B$28.31B$9.30B$4.57B$11.944.95%8.54%-6.72%18.36%2025-07-22
PYPL
PAYPAL HOLDINGS INC
$74.21B$31.89B$6.74B$4.55B$4.514.79%11.79%13.32%23.18%2025-07-29
V
VISA INC
$663.40B$37.62B$25.84B$19.89B$9.9510.19%9.51%11.30%12.34%2025-07-29
SLM
SLM CORP
$7.12B$1.45B$836.31M$605.34M$2.85-14.77%-1.89%-12.04%9.26%2025-07-22
AXP
AMERICAN EXPRESS CO
$228.12B$62.05B$14.80B$10.28B$14.349.05%10.24%17.93%16.79%2025-07-18
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.23B$353.87M$132.55M$9.02M$0.14-10.60%21.02%-89.71%N/A2025-07-31
CHYM
CHIME FINANCIAL INC
N/AN/AN/AN/AN/AN/AN/AN/AN/A
JCAP
JEFFERSON CAPITAL INC
N/AN/AN/AN/AN/AN/AN/AN/AN/A
NAVI
NAVIENT CORP
$1.49B$891.00M$81.00M$56.00M$0.51-18.11%-9.70%-69.09%-19.83%2025-07-22
QD
QUDIAN INC
$507.75M$25.88MN/A$43.81M$0.2515.28%-52.84%N/A-23.63%
SOFI
SOFI TECHNOLOGIES INC
$20.03B$2.80B$429.14M$481.74M$0.4522.04%N/AN/AN/A2025-07-28
WU
WESTERN UNION CO
$2.89B$4.14B$896.60M$915.00M$2.71-5.15%-4.23%59.41%1.55%2025-07-28
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$2.19B$360.84M$252.98M$177.46M$16.30-0.27%15.09%-1.63%16.52%2025-08-11
LC
LENDINGCLUB CORP
$1.42B$824.03M$124.30M$50.75M$0.453.05%2.87%32.35%N/A2025-07-23
ALLY
ALLY FINANCIAL INC
$12.56B$7.74B$1.51B$176.00M$0.57-4.87%4.50%-74.09%-26.06%2025-07-18
OBDC
BLUE OWL CAPITAL CORP
$7.41B$1.66B$1.16B$655.10M$1.553.60%16.59%-21.72%37.97%
LPRO
OPEN LENDING CORP
$267.12M$17.67M-$57.73M-$139.48M-$1.17-83.91%-27.91%N/AN/A
PRAA
PRA GROUP INC
$609.95M$1.13B$343.54M$70.79M$1.7925.02%2.34%N/A-2.00%2025-08-11
CRCL
CIRCLE INTERNET GROUP INC
N/AN/AN/AN/AN/AN/AN/AN/AN/A
LU
LUFAX HOLDING LTD
$2.39B$3.56BN/A-$473.02M-$0.77-34.85%N/AN/AN/A
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$18.33M$340.22M$12.03M$5.79M$1.43-12.01%166.61%-67.94%-3.40%
DXF
EASON TECHNOLOGY LTD
$1.16B-$52.77M-$65.29M-$65.69M-$1.00N/AN/AN/AN/A
MCVT
MILL CITY VENTURES III LTD
$11.09M$3.25M$1.61M$1.24M$0.18-0.64%60.25%N/AN/A
AIHS
SENMIAO TECHNOLOGY LTD
$3.09M$4.06M-$1.99M-$3.33M-$0.32-33.89%-24.05%N/AN/A
OMCC
OLD MARKET CAPITAL CORP
$39.20M$9.37M-$2.97M-$5.15M$0.45N/A-31.50%N/A0.00%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$14.91M$4.81M-$1.93M-$2.11M-$0.14-35.26%-51.72%N/AN/A
GRAN
GRANDE GROUP LTD
N/AN/AN/AN/AN/AN/AN/AN/AN/A
SNTG
SENTAGE HOLDINGS INC
$5.16M$107.51k-$1.89M-$2.00M-$0.84-26.64%-51.40%N/AN/A
LMFA
LM FUNDING AMERICA INC
$14.58M$8.62M-$6.09M-$21.00M-$6.57-44.07%33.12%N/AN/A

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Jul 2025?

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. Finvolution Group (NYSE:FINV)


Finvolution Group (NYSE:FINV) is the #1 top credit service stock out of 58 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 Finvolution Group (NYSE:FINV) is: Value: B, Growth: C, Momentum: A, Sentiment: C, Safety: A, Financials: B, and AI: C.

Finvolution Group (NYSE:FINV) has a Due Diligence Score of 27, which is -4 points lower than the credit service industry average of 31. Although this number is below the industry average, our proven quant model rates FINV as a "A".

FINV passed 10 out of 38 due diligence checks and has average fundamentals. Finvolution Group has seen its stock return 96.49% over the past year, overperforming other credit service stocks by 63 percentage points.

Finvolution Group has an average 1 year price target of $11.55, an upside of 21.45% from Finvolution Group's current stock price of $9.51.

Finvolution Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Finvolution Group, 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. Oppfi (NYSE:OPFI)


Oppfi (NYSE:OPFI) is the #2 top credit service stock out of 58 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: C, Growth: A, Momentum: B, Sentiment: C, Safety: A, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 22, which is -9 points lower than the credit service industry average of 31. Although this number is below the industry average, our proven quant model rates OPFI as a "A".

OPFI passed 9 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock return 283.81% over the past year, overperforming other credit service stocks by 250 percentage points.

Oppfi has an average 1 year price target of $13.50, a downside of -0.07% from Oppfi's current stock price of $13.51.

Oppfi stock has a consensus Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Oppfi, 0% have issued a Strong Buy rating, 100% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Enova International (NYSE:ENVA)


Enova International (NYSE:ENVA) is the #3 top credit service stock out of 58 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 Enova International (NYSE:ENVA) is: Value: B, Growth: B, Momentum: C, Sentiment: C, Safety: C, Financials: B, and AI: B.

Enova International (NYSE:ENVA) has a Due Diligence Score of 51, which is 20 points higher than the credit service industry average of 31.

ENVA passed 17 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 84.74% over the past year, overperforming other credit service stocks by 51 percentage points.

Enova International has an average 1 year price target of $132.40, an upside of 14.67% from Enova International's current stock price of $115.46.

Enova International stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Enova International, 60% have issued a Strong Buy rating, 40% 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 21 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

1. Oaktree Specialty Lending (NASDAQ:OCSL)


Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 14.3%, which is 11 percentage points higher than the credit service industry average of 3.71%. 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 1,514.3% indicates that its high dividend yield might not be sustainable for the long-term.

2. Barings Bdc (NYSE:BBDC)


Barings Bdc (NYSE:BBDC) has an annual dividend yield of 12.35%, which is 9 percentage points higher than the credit service industry average of 3.71%. Barings Bdc's dividend payout is not stable, having dropped more than 10% three 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 117.2% indicates that its high dividend yield might not be sustainable for the long-term.

3. Runway Growth Finance (NASDAQ:RWAY)


Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 10.29%, which is 7 percentage points higher than the credit service industry average of 3.71%.

Runway Growth Finance's dividend payout ratio of 73.3% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.91% in the last day, and up 4.16% 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 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. Western Union Co (NYSE:WU)


Western Union Co (NYSE:WU) 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.

Western Union Co has a valuation score of 43, which is 5 points higher than the credit service industry average of 38. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -29.08% in the past year. It has underperformed other stocks in the credit service industry by -63 percentage points.

2. Yiren Digital (NYSE:YRD)


Yiren Digital (NYSE:YRD) 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.

Yiren Digital has a valuation score of 71, which is 33 points higher than the credit service industry average of 38. It passed 5 out of 7 valuation due diligence checks.

Yiren Digital's stock has gained 32.54% in the past year. It has underperformed other stocks in the credit service industry by -1 percentage points.

3. Qifu Technology (NASDAQ:QFIN)


Qifu Technology (NASDAQ:QFIN) 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.

Qifu Technology has a valuation score of 71, which is 33 points higher than the credit service industry average of 38. It passed 5 out of 7 valuation due diligence checks.

Qifu Technology's stock has gained 115.97% in the past year. It has overperformed other stocks in the credit service industry by 82 percentage points.

Are credit service stocks a good buy now?

43.59% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 2.28% over the next year.

15.38% of credit service stocks have a Zen Rating of A (Strong Buy), 17.31% of credit service stocks are rated B (Buy), 57.69% are rated C (Hold), 5.77% are rated D (Sell), and 3.85% 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 31.38x.
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.