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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
Performance Score
Market Cap
Revenue
EBITDA
Earnings
EPS
Revenue Growth Y/Y
Revenue Growth 5Y
Earnings Growth Y/Y
Earnings Growth 5Y
Earnings Date
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$36.76M$386.67M$25.63M$17.58M$4.4665.12%N/A0.90%N/A
QFIN
QIFU TECHNOLOGY INC
$3.19B$2.33BN/A$624.55M$3.931.51%21.76%13.27%N/A2024-08-19
LPRO
OPEN LENDING CORP
$705.46M$109.84M$32.57M$14.62M$0.11-34.57%16.05%-75.00%N/A2024-08-06
MA
MASTERCARD INC
$409.13B$25.70B$15.76B$11.85B$12.6212.62%10.99%25.70%15.96%2024-07-31
ATLC
ATLANTICUS HOLDINGS CORP
$495.54M$362.05M$132.67M$77.54M$5.31-0.92%26.43%-15.71%32.50%2024-08-06
PYPL
PAYPAL HOLDINGS INC
$63.05B$30.43B$6.61B$4.34B$3.988.39%13.87%67.93%16.18%2024-07-31
OMF
ONEMAIN HOLDINGS INC
$5.93B$2.56B$1.07B$617.00M$5.13-2.52%1.74%-16.04%7.95%2024-07-31
OPFI
OPPFI INC
$402.76M$279.21M$65.75M$4.28M$0.2124.97%N/A-54.35%N/A2024-08-07
DFS
DISCOVER FINANCIAL SERVICES
$32.90B$9.92B$3.32B$2.20B$8.80-8.51%4.90%-40.54%1.55%2024-07-17
V
VISA INC
$534.14B$34.14B$23.95B$18.39B$8.9410.19%9.51%19.36%13.06%2024-07-23
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.51B$395.82M$232.17M$102.51M$1.3628.20%21.98%1,136.36%-15.62%2024-08-01
ENVA
ENOVA INTERNATIONAL INC
$1.79B$1.29B$481.20M$172.63M$5.8013.67%5.59%-10.36%20.43%2024-07-23
ALLY
ALLY FINANCIAL INC
$13.03B$8.10B$2.01B$748.00M$2.45-3.49%6.19%-40.39%-6.01%2024-07-17
SYF
SYNCHRONY FINANCIAL
$19.72B$8.67B$4.25B$2.89B$7.039.21%0.61%22.26%9.38%2024-07-17
AXP
AMERICAN EXPRESS CO
$171.65B$56.90B$13.13B$9.00B$12.169.13%8.64%27.46%9.06%2024-07-19
WU
WESTERN UNION CO
$4.25B$4.37B$1.02B$616.90M$1.700.29%-4.63%-15.42%-1.46%2024-07-24
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$2.18B$361.82M$261.19M$179.55M$16.5718.52%14.16%22.02%13.39%2024-08-05
EZPW
EZCORP INC
$555.47M$1.11B$206.38M$78.42M$1.4214.40%5.87%167.92%42.70%2024-07-31
SLM
SLM CORP
$4.83B$1.70B$1.09B$734.51M$3.2441.26%7.60%81.01%23.23%2024-07-24
RWAY
RUNWAY GROWTH FINANCE CORP
$464.19M$164.91M$88.10M$44.40M$1.1029.01%41.05%6.80%-6.01%2024-08-06
MFIN
MEDALLION FINANCIAL CORP
$191.22M$156.08M$79.95M$49.74M$2.215.93%17.14%2.79%N/A2024-07-22
FINV
FINVOLUTION GROUP
$1.32B$1.75BN/A$300.51M$1.112.93%18.31%-10.20%-3.96%2024-08-26
RM
REGIONAL MANAGEMENT CORP
$274.92M$560.33M$111.35M$22.47M$2.367.40%12.15%-34.26%-4.56%2024-07-31
BFH
BREAD FINANCIAL HOLDINGS INC
$2.35B$2.55B$602.00M$396.00M$8.01-5.21%-14.64%-14.33%-14.39%2024-07-25
BBDC
BARINGS BDC INC
$1.07B$291.80M$134.02M$132.35M$1.2420.29%32.12%463.64%N/A2024-08-07
XYF
X FINANCIAL
$211.95M$694.04MN/A$175.05M$3.6330.12%5.76%32.82%N/A2024-08-26
COF
CAPITAL ONE FINANCIAL CORP
$52.86B$26.97B$9.25B$4.90B$12.80-0.16%3.81%-12.27%1.08%2024-07-23
NAVI
NAVIENT CORP
$1.65B$1.09B$258.00M$190.00M$1.65-24.97%-6.80%-55.16%1.13%2024-07-24
LX
LEXINFINTECH HOLDINGS LTD
$293.95M$1.84BN/A$130.02M$0.7914.09%9.82%-13.63%-16.46%2024-08-27
LMFA
LM FUNDING AMERICA INC
$11.39M$15.42M-$2.23M-$9.07M-$3.97299.80%37.92%N/AN/A2024-08-12
YRD
YIREN DIGITAL LTD
$425.53M$729.29MN/A$295.02M$3.3535.76%-12.26%42.37%8.11%2024-08-15
FCFS
FIRSTCASH HOLDINGS INC
$4.75B$3.23B$947.50M$233.28M$5.1513.90%12.39%-11.66%8.03%2024-07-25
PMTS
CPI CARD GROUP INC
$313.43M$435.63M$71.12M$18.57M$1.63-10.21%10.22%-55.46%N/A2024-08-06
CACC
CREDIT ACCEPTANCE CORP
$6.99B$1.96B$659.10M$250.90M$19.626.86%7.79%-38.19%-9.33%2024-07-30
LU
LUFAX HOLDING LTD
$1.69B$4.74B$264.39M$122.66M$0.21-42.05%-3.79%-90.05%-43.17%2024-08-19
CPSS
CONSUMER PORTFOLIO SERVICES INC
$211.69M$360.66M$205.89M$36.11M$1.726.56%-0.75%-54.62%23.04%2024-07-26
WRLD
WORLD ACCEPTANCE CORP
$774.92M$573.21M$158.53M$77.35M$13.45-7.03%1.03%264.50%26.57%2024-07-19
IX
ORIX CORP
$28.26B$17.83B$6.53B$2.19B$9.46-7.60%-3.43%6.15%-3.02%2024-08-05
NNI
NELNET INC
$3.86B$1.23B$322.60M$138.26M$3.71-7.24%4.42%-43.87%-0.58%2024-08-05
MCVT
MILL CITY VENTURES III LTD
$18.55M$3.27M-$49.22k-$65.36k-$0.01-19.59%83.83%N/AN/A2024-08-10
SNTG
SENTAGE HOLDINGS INC
$7.21M$146.55k-$1.80M-$1.90M-$0.80-9.18%N/AN/AN/A
SOFI
SOFI TECHNOLOGIES INC
$7.37B$2.30B$33.76M-$178.28M-$0.2333.83%N/AN/AN/A2024-07-29
OBDC
BLUE OWL CAPITAL CORP
$6.11B$1.60B$1.24B$773.98M$1.9821.94%27.56%25.32%6.72%2024-08-07
QD
QUDIAN INC
$348.19M$22.11MN/A-$61.90M-$0.28-61.52%-54.99%N/AN/A2024-09-05
LC
LENDINGCLUB CORP
$1.07B$799.61M$100.86M$37.52M$0.34-30.07%2.19%-86.51%N/A2024-07-30
AIHS
SENMIAO TECHNOLOGY LTD
$9.99M$6.81M-$2.13M-$3.67M-$0.41-15.69%21.71%N/AN/A2024-08-12
NICK
NICHOLAS FINANCIAL INC
$46.50M$22.24M-$19.73M-$20.80M-$2.86-49.77%-20.79%N/AN/A2024-08-14
FOA
FINANCE OF AMERICA COMPANIES INC
$64.23M$168.08M-$49.29M-$90.68M-$0.9514.54%N/AN/AN/A2024-08-06
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$41.52M-$52.77M-$65.29M-$65.69M-$1.00N/AN/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$17.64M$7.29M-$11.94M-$10.89M-$0.78-30.50%-49.75%N/AN/A
OPRT
OPORTUN FINANCIAL CORP
$102.50M$355.03M-$87.90M-$104.30M-$2.72-19.39%N/AN/AN/A2024-08-06
GDOT
GREEN DOT CORP
$507.09M$1.54B$64.14M-$24.54M-$0.474.89%7.20%N/AN/A2024-08-01
PRAA
PRA GROUP INC
$822.46M$902.67M$197.03M-$21.37M-$0.542.41%0.25%N/AN/A2024-08-05
UPST
UPSTART HOLDINGS INC
$2.38B$538.43M-$151.28M-$175.48M-$2.05-15.24%N/AN/AN/A2024-08-06

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Jul 2024?

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

1. Nisun International Enterprise Development Group Co (NASDAQ:NISN)


Nisun International Enterprise Development Group Co (NASDAQ:NISN) is the top credit service stock with a Zen Score of 57, which is 24 points higher than the credit service industry average of 33. It passed 18 out of 33 due diligence checks and has strong fundamentals. Nisun International Enterprise Development Group Co has seen its stock return 141.42% over the past year, overperforming other credit service stocks by 131 percentage points.

2. Qifu Technology (NASDAQ:QFIN)


Qifu Technology (NASDAQ:QFIN) is the second best credit service stock with a Zen 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 8.78% over the past year, underperforming other credit service stocks by -2 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 16.38% from Qifu Technology's current stock price of $20.45.

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.

3. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the third best credit service stock with a Zen Score of 56, which is 23 points higher than the credit service industry average of 33. It passed 18 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -43.94% over the past year, underperforming other credit service stocks by -55 percentage points.

Open Lending has an average 1 year price target of $7.20, an upside of 21.62% from Open Lending's current stock price of $5.92.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Open Lending, 0% have issued a Strong Buy rating, 60% have issued a Buy, 40% 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 23 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 12.24%, which is 8 percentage points higher than the credit service industry average of 4.05%. 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 166.9% indicates that its high dividend yield might not be sustainable for the long-term.

2. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 10.22%, which is 6 percentage points higher than the credit service industry average of 4.05%.

Lexinfintech Holdings's dividend payout ratio of 23.1% indicates that its high dividend yield is sustainable for the long-term.

3. Onemain Holdings (NYSE:OMF)


Onemain Holdings (NYSE:OMF) has an annual dividend yield of 8.16%, which is 4 percentage points higher than the credit service industry average of 4.05%. 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 78% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 1.24% in the last day, and up 4.14% over the last week. Nisun International Enterprise Development Group Co was the among the top gainers in the credit services industry, gaining 51.99% yesterday.

NiSun Intl Enterprise Development Group shares are trading higher following FY23 earnings.

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. Nisun International Enterprise Development Group Co (NASDAQ:NISN)


Nisun International Enterprise Development Group Co (NASDAQ:NISN) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Nisun International Enterprise Development Group Co has a valuation score of 100, which is 59 points higher than the credit service industry average of 41. It passed 7 out of 7 valuation due diligence checks.

Nisun International Enterprise Development Group Co's stock has gained 141.42% in the past year. It has overperformed other stocks in the credit service industry by 131 percentage points.

2. Consumer Portfolio Services (NASDAQ:CPSS)


Consumer Portfolio Services (NASDAQ:CPSS) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Consumer Portfolio Services 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.

Consumer Portfolio Services's stock has dropped -21.88% in the past year. It has underperformed other stocks in the credit service industry by -33 percentage points.

3. Enova International (NYSE:ENVA)


Enova International (NYSE:ENVA) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Enova International 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.

Enova International's stock has gained 19.38% in the past year. It has overperformed other stocks in the credit service industry by 9 percentage points.

Are credit service stocks a good buy now?

37.14% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 3.14% 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 26.34x.
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.