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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
Performance Score
Market Cap
Revenue
EBITDA
Earnings
EPS
Revenue Growth Y/Y
Revenue Growth 5Y
Earnings Growth Y/Y
Earnings Growth 5Y
Earnings Date
LX
LEXINFINTECH HOLDINGS LTD
$296.09M$1.77BN/A$190.35M$1.1538.40%10.83%85.15%-1.00%
ATLC
ATLANTICUS HOLDINGS CORP
$466.07M$345.35M$132.34M$75.36M$5.21-17.82%47.11%-43.49%N/A
V
VISA INC
$404.24B$32.65B$22.62B$17.27B$8.2911.41%9.64%18.26%13.35%2024-01-24
OMF
ONEMAIN HOLDINGS INC
$5.42B$2.56B$1.12B$656.00M$5.43-11.77%2.39%-28.46%18.44%2024-02-05
LPRO
OPEN LENDING CORP
$813.13M$129.34M$53.15M$22.72M$0.18-36.72%N/A-76.62%20.79%
BFH
BREAD FINANCIAL HOLDINGS INC
$1.51B$2.87B$848.00M$540.00M$10.8020.22%-6.74%44.00%-8.90%2024-01-24
QFIN
QIFU TECHNOLOGY INC
$2.37B$2.14BN/A$552.68M$3.44-8.90%N/A-13.35%N/A
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.57B$379.29M$230.71M$117.33M$1.6344.48%22.28%239.58%10.49%2024-02-05
MFIN
MEDALLION FINANCIAL CORP
$222.19M$155.81M$82.18M$53.82M$2.402.45%54.53%15.94%N/A2024-01-29
NRDS
NERDWALLET INC
$983.54M$607.70M$57.80M-$600.00k$0.0122.42%N/AN/AN/A
SLM
SLM CORP
$3.81B$1.08B$484.02M$319.46M$1.42-35.79%1.34%-54.19%10.81%2024-01-30
FCFS
FIRSTCASH HOLDINGS INC
$5.14B$3.05B$895.94M$229.78M$5.0122.88%11.37%14.65%5.91%2024-02-01
SYF
SYNCHRONY FINANCIAL
$14.60B$7.70B$3.51B$2.33B$5.47-10.23%0.54%-14.40%11.46%2024-01-22
ALLY
ALLY FINANCIAL INC
$9.07B$8.35B$2.60B$1.11B$3.69-0.93%7.41%-38.29%6.53%2024-01-18
ENVA
ENOVA INTERNATIONAL INC
$1.41B$1.19B$465.26M$191.23M$6.147.87%5.13%-0.49%24.90%2024-01-30
COF
CAPITAL ONE FINANCIAL CORP
$44.97B$26.34B$9.93B$5.10B$13.39-10.77%3.73%-34.23%13.12%2024-01-22
GDOT
GREEN DOT CORP
$482.04M$1.48B$130.61M$36.21M$0.712.76%7.19%-19.32%-20.67%
PYPL
PAYPAL HOLDINGS INC
$63.55B$29.13B$5.86B$3.77B$3.377.67%14.24%70.20%14.00%2024-02-07
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$1.87B$341.65M$247.91M$168.64M$15.5915.93%12.85%18.74%12.53%
MA
MASTERCARD INC
$386.51B$24.37B$14.74B$10.93B$11.5212.62%11.01%14.74%18.31%2024-01-24
NAVI
NAVIENT CORP
$2.17B$1.30B$464.00M$361.00M$2.89-28.62%-5.01%-21.89%25.19%2024-01-22
IX
ORIX CORP
$23.22B$17.59B$6.04B$1.85B$7.89-1.58%-5.18%-3.22%-5.36%2024-02-05
CACC
CREDIT ACCEPTANCE CORP
$5.79B$1.87B$677.50M$319.80M$24.391.78%8.73%-44.99%-4.57%2024-01-29
DFS
DISCOVER FINANCIAL SERVICES
$25.83B$10.42B$5.09B$3.51B$13.49-3.39%6.50%-12.46%14.72%2024-01-16
BBDC
BARINGS BDC INC
$928.82M$276.83M$97.23M$96.84M$0.9043.98%23.76%210.34%N/A
RM
REGIONAL MANAGEMENT CORP
$230.03M$541.76M$111.10M$25.92M$2.799.52%12.92%-62.14%-1.77%2024-02-06
EZPW
EZCORP INC
$475.49M$1.05B$157.16M$38.46M$0.6918.37%5.25%-22.47%-0.29%2024-01-30
WU
WESTERN UNION CO
$4.35B$4.40B$1.11B$748.40M$1.99-5.82%-4.81%-6.13%N/A2024-02-05
AXP
AMERICAN EXPRESS CO
$122.74B$54.38B$11.52B$8.01B$10.699.58%8.40%7.01%20.26%2024-01-25
FINV
FINVOLUTION GROUP
$1.25B$1.74BN/A$332.55M$1.1916.35%23.33%1.39%N/A
CPSS
CONSUMER PORTFOLIO SERVICES INC
$201.70M$343.06M$205.84M$52.29M$2.558.54%-3.30%-40.00%202.91%
LC
LENDINGCLUB CORP
$756.58M$941.72M$108.88M$52.38M$0.48-20.65%7.05%-83.33%N/A2024-01-23
WRLD
WORLD ACCEPTANCE CORP
$772.31M$583.92M$136.14M$57.02M$9.89-6.85%2.46%270.41%13.16%2024-01-24
LMFA
LM FUNDING AMERICA INC
$4.97M$10.05M-$29.90M-$34.05M-$2.59963.61%20.40%N/AN/A
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$13.24M$234.17M$24.48M$17.62M$4.4246.18%51.65%-68.72%-2.04%
YRD
YIREN DIGITAL LTD
$264.42M$661.43MN/A$280.08M$3.1638.50%-23.34%84.62%N/A
XYF
X FINANCIAL
$184.56M$642.96MN/A$178.72M$3.7132.15%4.83%108.44%N/A
RWAY
RUNWAY GROWTH FINANCE CORP
$518.52M$161.79M$108.42M$67.62M$1.6882.05%60.47%95.35%0.48%
PMTS
CPI CARD GROUP INC
$203.23M$468.11M$89.30M$33.73M$2.965.78%13.84%34.55%N/A
QD
QUDIAN INC
$415.65M$41.76MN/A$24.74M$0.11-72.85%-47.46%N/A-37.16%2023-12-11
AIHS
SENMIAO TECHNOLOGY LTD
$3.73M$7.42M-$2.05M-$3.72M-$0.48-7.28%70.94%N/AN/A
SOFI
SOFI TECHNOLOGIES INC
$7.79B$1.96B-$200.95M-$388.66M-$0.4540.04%N/AN/AN/A2024-01-29
NNI
NELNET INC
$3.20B$1.21B$362.13M$130.86M$3.51-24.12%3.38%-73.86%-10.78%
OBDC
BLUE OWL CAPITAL CORP
$5.81B$1.52B$1.24B$796.23M$2.0334.26%36.73%79.65%3.37%
OPFI
OPPFI INC
$430.50M$255.89M$65.72M$7.70M$0.5111.07%N/A-55.65%N/A
JT
JIANPU TECHNOLOGY INC
$18.69M$151.51MN/A-$6.76M-$0.317.89%0.23%N/AN/A
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$8.32M-$2.78M-$3.07M-$3.49M-$0.14N/AN/AN/AN/A
OPRT
OPORTUN FINANCIAL CORP
$103.03M$352.01M-$150.28M-$146.55M-$4.21-46.48%N/AN/AN/A
MCVT
MILL CITY VENTURES III LTD
$17.88M$3.34M-$1.33M-$1.06M-$0.21-17.02%85.03%N/AN/A
SNTG
SENTAGE HOLDINGS INC
$5.11M$161.37k-$2.50M-$2.56M-$1.08-92.87%N/AN/AN/A2023-12-11
UPST
UPSTART HOLDINGS INC
$3.14B$520.16M-$233.96M-$253.00M-$3.07-48.00%N/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$9.95M$10.73M-$22.73M-$27.36M-$3.17-60.48%-37.84%N/AN/A2023-12-17
LU
LUFAX HOLDING LTD
$1.99B$5.43BN/A$134.61M$0.06-36.18%N/A-92.70%N/A
NICK
NICHOLAS FINANCIAL INC
$50.14M$33.37M-$31.76M-$38.10M-$5.24-31.88%-15.73%N/AN/A2024-02-07
MDBH
MDB CAPITAL HOLDINGS LLC
$93.42MN/AN/AN/AN/AN/AN/AN/AN/A
PRAA
PRA GROUP INC
$813.53M$803.99M$117.84M-$58.74M-$1.49-19.65%-1.52%N/AN/A
FOA
FINANCE OF AMERICA COMPANIES INC
$80.03M$52.11M-$127.01M-$198.47M-$2.51-85.93%N/AN/AN/A
CURO
CURO GROUP HOLDINGS CORP
$30.56M$517.39M-$145.48M-$409.63M-$10.05-16.50%-3.18%N/AN/A

Credit Service Stocks FAQ

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

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

1. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the top credit service stock with a Zen Score of 57, which is 23 points higher than the credit service industry average of 34. It passed 21 out of 38 due diligence checks and has strong fundamentals. Lexinfintech Holdings has seen its stock lose -6.74% over the past year, underperforming other credit service stocks by -18 percentage points.

Lexinfintech Holdings has an average 1 year price target of $2.12, an upside of 17.78% from Lexinfintech Holdings's current stock price of $1.80.

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

2. Visa (NYSE:V)


Visa (NYSE:V) is the second best credit service stock with a Zen Score of 54, which is 20 points higher than the credit service industry average of 34. It passed 21 out of 38 due diligence checks and has strong fundamentals. Visa has seen its stock return 22.31% over the past year, overperforming other credit service stocks by 11 percentage points.

Visa has an average 1 year price target of $276.77, an upside of 8.22% from Visa's current stock price of $255.74.

Visa stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 17 analysts covering Visa, 47.06% have issued a Strong Buy rating, 41.18% have issued a Buy, 11.76% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Atlanticus Holdings (NASDAQ:ATLC)


Atlanticus Holdings (NASDAQ:ATLC) is the third best credit service stock with a Zen Score of 54, which is 20 points higher than the credit service industry average of 34. It passed 17 out of 33 due diligence checks and has strong fundamentals. Atlanticus Holdings has seen its stock return 16.95% over the past year, overperforming other credit service stocks by 6 percentage points.

Atlanticus Holdings has an average 1 year price target of $42.33, an upside of 32.5% from Atlanticus Holdings's current stock price of $31.95.

Atlanticus Holdings stock has a consensus Buy recommendation according to Wall Street analysts. Of the 3 analysts covering Atlanticus Holdings, 33.33% have issued a Strong Buy rating, 33.33% have issued a Buy, 33.33% 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. Oaktree Specialty Lending (NASDAQ:OCSL)


Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 12.81%, which is 9 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 160.1% 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 11.7%, which is 8 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% six 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 111.1% indicates that its high dividend yield might not be sustainable for the long-term.

3. Onemain Holdings (NYSE:OMF)


Onemain Holdings (NYSE:OMF) has an annual dividend yield of 8.84%, which is 5 percentage points higher than the credit service industry average of 4.13%. 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 72.7% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.75% in the last day, and up 0.85% 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. 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 50 points higher than the credit service industry average of 50. It passed 7 out of 7 valuation due diligence checks.

Atlanticus Holdings's stock has gained 16.95% in the past year. It has overperformed other stocks in the credit service industry by 6 percentage points.

2. Slm (NASDAQ:SLM)


Slm (NASDAQ:SLM) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Slm has a valuation score of 100, which is 50 points higher than the credit service industry average of 50. It passed 7 out of 7 valuation due diligence checks.

Slm's stock has gained 1.26% in the past year. It has underperformed other stocks in the credit service industry by -10 percentage points.

3. Credit Acceptance (NASDAQ:CACC)


Credit Acceptance (NASDAQ:CACC) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Credit Acceptance has a valuation score of 86, which is 36 points higher than the credit service industry average of 50. It passed 6 out of 7 valuation due diligence checks.

Credit Acceptance's stock has gained 1.33% in the past year. It has underperformed other stocks in the credit service industry by -10 percentage points.

Are credit service stocks a good buy now?

35% of credit service stocks rated by analysts are a hold right now. On average, analysts expect credit service stocks to rise by 3.09% 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 27.63x.
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.