Sectors & IndustriesFinancial ServicesCredit Services

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.

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:

Oppfi (NYSE:OPFI) is the #1 top credit service stock out of 62 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: B, Momentum: C, Sentiment: B, Safety: A, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 22, which is -8 points lower than the credit service industry average of 30. 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 157.98% over the past year, overperforming other credit service stocks by 132 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 22.84% from Oppfi's current stock price of $10.99.

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.

Regional Management (NYSE:RM) is the #2 top credit service stock out of 62 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 Regional Management (NYSE:RM) is: Value: B, Growth: B, Momentum: B, Sentiment: B, Safety: B, Financials: B, and AI: C.

Regional Management (NYSE:RM) has a Due Diligence Score of 42, which is 12 points higher than the credit service industry average of 30.

RM passed 14 out of 38 due diligence checks and has strong fundamentals. Regional Management has seen its stock return 34.1% over the past year, overperforming other credit service stocks by 8 percentage points.

Regional Management has an average 1 year price target of $30.00, a downside of -29.63% from Regional Management's current stock price of $42.63.

Regional Management stock has a consensus Hold recommendation according to Wall Street analysts. Of the 1 analyst covering Regional Management, 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.

Nelnet (NYSE:NNI) is the #3 top credit service stock out of 62 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 Nelnet (NYSE:NNI) is: Value: C, Growth: B, Momentum: B, Sentiment: B, Safety: C, Financials: C, and AI: B.

Nelnet (NYSE:NNI) has a Due Diligence Score of 35, which is 5 points higher than the credit service industry average of 30.

NNI passed 12 out of 38 due diligence checks and has average fundamentals. Nelnet has seen its stock return 10.98% over the past year, underperforming other credit service stocks by -15 percentage points.

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:

X Financial (NYSE:XYF) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 4.39%. X Financial's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. X Financial's dividend has not shown consistent growth over the last 10 years.

X Financial's dividend payout ratio of 3.1% indicates that its dividend yield is sustainable for the long-term.

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 14.43%, which is 10 percentage points higher than the credit service industry average of 4.39%. 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 349.1% indicates that its high dividend yield might not be sustainable for the long-term.

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 14.09%, which is 10 percentage points higher than the credit service industry average of 4.39%.

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

Credit service stocks were down -2.24% in the last day, and down -2.1% over the last week.

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

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:

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 8 points higher than the credit service industry average of 35. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -29.11% in the past year. It has underperformed other stocks in the credit service industry by -55 percentage points.

Cpi Card Group (NASDAQ:PMTS) 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.

Cpi Card Group has a valuation score of 57, which is 22 points higher than the credit service industry average of 35. It passed 4 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -42.26% in the past year. It has underperformed other stocks in the credit service industry by -68 percentage points.

Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings has a valuation score of 71, which is 36 points higher than the credit service industry average of 35. It passed 5 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 33.29% in the past year. It has overperformed other stocks in the credit service industry by 8 percentage points.

34.88% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 11.99% over the next year.

10.91% of credit service stocks have a Zen Rating of A (Strong Buy), 20% of credit service stocks are rated B (Buy), 63.64% are rated C (Hold), 5.45% are rated D (Sell), and 0% are rated F (Strong Sell).