Sectors & IndustriesFinancial ServicesCredit Services

Best Credit Service Stocks to Buy Now (2025)

Top credit service stocks in 2025 ranked by overall Due Diligence Score. See the best credit service stocks to buy now, according to analyst forecasts for the credit services industry.

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

Sezzle (NASDAQ:SEZL) is the top credit service stock with a Due Diligence Score of 66, which is 33 points higher than the credit service industry average of 33. It passed 23 out of 33 due diligence checks and has strong fundamentals. Sezzle has seen its stock return 825.93% over the past year, overperforming other credit service stocks by 792 percentage points.

Sezzle has an average 1 year price target of $366.00, an upside of 62.67% from Sezzle's current stock price of $225.00.

Sezzle stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Sezzle, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Qifu Technology (NASDAQ:QFIN) is the second best credit service stock with a Due Diligence Score of 57, which is 24 points higher than the credit service industry average of 33. It passed 21 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 165.17% over the past year, overperforming other credit service stocks by 132 percentage points.

Qifu Technology has an average 1 year price target of $37.50, a downside of -2.27% from Qifu Technology's current stock price of $38.37.

Qifu Technology stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Qifu Technology, 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.

Nisun International Enterprise Development Group Co (NASDAQ:NISN) is the third best credit service stock with a Due Diligence Score of 53, which is 20 points higher than the credit service industry average of 33. It passed 17 out of 33 due diligence checks and has strong fundamentals. Nisun International Enterprise Development Group Co has seen its stock return 27.27% over the past year, underperforming other credit service stocks by -6 percentage points.

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:

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 14.03%, which is 11 percentage points higher than the credit service industry average of 3.5%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% five 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 315.3% indicates that its high dividend yield might not be sustainable for the long-term.

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 8.04%, which is 5 percentage points higher than the credit service industry average of 3.5%. 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 95.4% indicates that its high dividend yield might not be sustainable for the long-term.

Onemain Holdings (NYSE:OMF) has an annual dividend yield of 7.53%, which is 4 percentage points higher than the credit service industry average of 3.5%. Onemain Holdings's dividend payout is not stable, having dropped more than 10% five times in the last 10 years. Onemain Holdings's dividend has shown consistent growth over the last 10 years.

Onemain Holdings's dividend payout ratio of 89.1% indicates that its high dividend yield is sustainable for the long-term.

Credit service stocks were down -0.27% in the last day, and up 6.67% over the last week.

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

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

Firstcash Holdings (NASDAQ:FCFS) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Firstcash Holdings has a valuation score of 86, which is 46 points higher than the credit service industry average of 40. It passed 6 out of 7 valuation due diligence checks.

Firstcash Holdings's stock has gained 1.83% in the past year. It has underperformed other stocks in the credit service industry by -32 percentage points.

Enova International (NYSE:ENVA) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Enova International has a valuation score of 71, which is 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Enova International's stock has gained 96.28% in the past year. It has overperformed other stocks in the credit service industry by 63 percentage points.

Finance Of America Companies (NYSE:FOA) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Finance Of America Companies has a valuation score of 71, which is 31 points higher than the credit service industry average of 40. It passed 5 out of 7 valuation due diligence checks.

Finance Of America Companies's stock has gained 200.33% in the past year. It has overperformed other stocks in the credit service industry by 167 percentage points.