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 25th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Market Cap
Dividend Yield
Payout Ratio
Last Dividend
Annual Dividend
Dividend Percentile
Dividend Dropped Count (L10Y)
Ex-dividend Date
Div. Payment Date
OPFI
OPPFI INC
$886.31M2.45%-62.50%$0.2500$0.2555%0
RM
REGIONAL MANAGEMENT CORP
$429.59M2.05%33.10%$0.3000$0.9047%0
ENVA
ENOVA INTERNATIONAL INC
$3.03BN/A0.00%N/AN/AN/AN/A
OPRT
OPORTUN FINANCIAL CORP
$247.88MN/A0.00%N/AN/AN/AN/A
EZPW
EZCORP INC
$1.02BN/A0.00%N/AN/AN/AN/A
NNI
NELNET INC
$4.65B0.65%12.40%$0.2800$0.8414%02025-09-022025-09-16
ATLC
ATLANTICUS HOLDINGS CORP
$1.01BN/A0.00%N/AN/AN/AN/A
FINV
FINVOLUTION GROUP
$2.11BN/A0.00%$0.2370N/AN/A1
IX
ORIX CORP
$30.14BN/AN/A$0.3061N/AN/A6
XYF
X FINANCIAL
$622.67M1.12%3.10%$0.1700$0.1725%1
BFH
BREAD FINANCIAL HOLDINGS INC
$3.09B1.27%14.10%$0.2100$0.8429%12025-09-12
MFIN
MEDALLION FINANCIAL CORP
$245.48M4.36%23.80%$0.1200$0.4680%1
OMF
ONEMAIN HOLDINGS INC
$7.35B5.04%74.70%$1.0400$3.1284%5
GDOT
GREEN DOT CORP
$771.07MN/A0.00%N/AN/AN/AN/A
PYPL
PAYPAL HOLDINGS INC
$67.06BN/A0.00%N/AN/AN/AN/A
MA
MASTERCARD INC
$538.15B0.49%19.80%$0.7600$2.9410%0
FCFS
FIRSTCASH HOLDINGS INC
$6.53B1.06%23.20%$0.4200$1.5624%0
QFIN
QIFU TECHNOLOGY INC
$3.86B4.46%18.20%$0.7000$1.3081%32025-09-082025-09-30
ALLY
ALLY FINANCIAL INC
$12.64B0.73%40.00%$0.3000$0.3017%0
LX
LEXINFINTECH HOLDINGS LTD
$1.07B5.95%16.50%$0.1940$0.3888%12025-09-15
UPST
UPSTART HOLDINGS INC
$7.05BN/A0.00%N/AN/AN/AN/A
SYF
SYNCHRONY FINANCIAL
$28.40B1.44%12.60%$0.3000$1.1034%0
SEZL
SEZZLE INC
$3.22BN/A0.00%N/AN/AN/AN/A
YRD
YIREN DIGITAL LTD
$503.16M3.44%9.60%$0.2000$0.2071%2
JCAP
JEFFERSON CAPITAL INC
$1.10B1.28%N/A$0.2400$0.2430%0
PMTS
CPI CARD GROUP INC
$175.77MN/A0.00%$0.2250N/AN/A0
LU
LUFAX HOLDING LTD
$2.55BN/A0.00%$0.1560N/AN/A3
AXP
AMERICAN EXPRESS CO
$230.53B0.71%15.60%$0.8200$2.3416%0
OBDC
BLUE OWL CAPITAL CORP
$7.33B11.09%109.30%$0.3700$1.5996%62025-09-302025-09-15
COF
CAPITAL ONE FINANCIAL CORP
$145.31B1.06%121.80%$0.6000$2.4024%12025-09-02
SOFI
SOFI TECHNOLOGIES INC
$30.58BN/A0.00%N/AN/AN/AN/A
V
VISA INC
$654.41B0.67%22.40%$0.5900$2.3615%02025-09-02
LC
LENDINGCLUB CORP
$1.97BN/A0.00%N/AN/AN/AN/A
LPRO
OPEN LENDING CORP
$249.34MN/A0.00%N/AN/AN/AN/A
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.23B14.21%349.10%$0.4200$1.9998%62025-09-152025-09-30
RWAY
RUNWAY GROWTH FINANCE CORP
$406.71M13.50%73.30%$0.3600$1.4798%12025-09-02
BBDC
BARINGS BDC INC
$1.04B11.52%120.00%$0.3100$1.1497%32025-09-032025-09-10
LMFA
LM FUNDING AMERICA INC
$6.46MN/A0.00%N/AN/AN/AN/A
PRAA
PRA GROUP INC
$667.77MN/A0.00%N/AN/AN/AN/A
QD
QUDIAN INC
$741.68MN/A0.00%N/AN/AN/AN/A
GRAN
GRANDE GROUP LTD
$96.04MN/A0.00%N/AN/AN/AN/A
WRLD
WORLD ACCEPTANCE CORP
$933.57MN/A0.00%N/AN/AN/AN/A
CACC
CREDIT ACCEPTANCE CORP
$5.78BN/A0.00%N/AN/AN/AN/A
ANTA
ANTALPHA PLATFORM HOLDING CO
$304.69MN/AN/AN/AN/AN/AN/A
WU
WESTERN UNION CO
$2.80B8.13%35.50%$0.2350$0.7193%0
BLSH
BULLISH
N/AN/AN/AN/AN/AN/AN/A
CHYM
CHIME FINANCIAL INC
$9.82BN/AN/AN/AN/AN/AN/A
NCDL
NUVEEN CHURCHILL DIRECT LENDING CORP
$789.21M5.63%99.10%$0.4500$0.9087%02025-09-302025-10-28
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$2.29B2.77%35.00%$1.5000$5.8061%02025-09-152025-09-30
FOA
FINANCE OF AMERICA COMPANIES INC
$295.93MN/A0.00%N/AN/AN/AN/A
NAVI
NAVIENT CORP
$1.36B4.67%193.90%$0.1600$0.6482%02025-09-052025-09-19
SLM
SLM CORP
$6.52B1.60%24.50%$0.1300$0.5037%02025-09-042025-09-15
CRCL
CIRCLE INTERNET GROUP INC
$30.28BN/AN/AN/AN/AN/AN/A
BMHL
BLUEMOUNT HOLDINGS LTD
$94.73MN/AN/AN/AN/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$15.38MN/A0.00%N/AN/AN/AN/A
AIHS
SENMIAO TECHNOLOGY LTD
$2.62MN/A0.00%N/AN/AN/AN/A
SNTG
SENTAGE HOLDINGS INC
$4.80MN/A0.00%N/AN/AN/AN/A
OMCC
OLD MARKET CAPITAL CORP
$37.28MN/A0.00%N/AN/AN/AN/A
CPSS
CONSUMER PORTFOLIO SERVICES INC
$177.57MN/A0.00%N/AN/AN/AN/A
SUIG
SUI GROUP HOLDINGS LTD
$569.03MN/A0.00%N/AN/AN/AN/A
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$17.43MN/A0.00%N/AN/AN/AN/A

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Aug 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. Oppfi (NYSE:OPFI)


Oppfi (NYSE:OPFI) is the #1 top credit service stock out of 61 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: A, 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 121.48% over the past year, overperforming other credit service stocks by 96 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 32.22% from Oppfi's current stock price of $10.21.

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.

2. Regional Management (NYSE:RM)


Regional Management (NYSE:RM) is the #2 top credit service stock out of 61 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 31.49% over the past year, overperforming other credit service stocks by 6 percentage points.

Regional Management has an average 1 year price target of $30.00, a downside of -31.57% from Regional Management's current stock price of $43.84.

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.

3. Enova International (NYSE:ENVA)


Enova International (NYSE:ENVA) is the #3 top credit service stock out of 61 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: B, Safety: C, Financials: B, and AI: B.

Enova International (NYSE:ENVA) has a Due Diligence Score of 46, which is 16 points higher than the credit service industry average of 30.

ENVA passed 16 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 43.64% over the past year, overperforming other credit service stocks by 18 percentage points.

Enova International has an average 1 year price target of $129.50, an upside of 6.76% from Enova International's current stock price of $121.30.

Enova International stock has a consensus Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Enova International, 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.

What are the credit service stocks with highest dividends?

Out of 24 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 14.21%, which is 10 percentage points higher than the credit service industry average of 4.12%. 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.

2. Runway Growth Finance (NASDAQ:RWAY)


Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 13.5%, which is 9 percentage points higher than the credit service industry average of 4.12%.

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

3. Barings Bdc (NYSE:BBDC)


Barings Bdc (NYSE:BBDC) has an annual dividend yield of 11.52%, which is 7 percentage points higher than the credit service industry average of 4.12%. 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 120% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.15% in the last day, and up 0.88% 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 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 -28.41% in the past year. It has underperformed other stocks in the credit service industry by -54 percentage points.

2. Cpi Card Group (NASDAQ:PMTS)


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 -45.88% in the past year. It has underperformed other stocks in the credit service industry by -71 percentage points.

3. Yiren Digital (NYSE:YRD)


Yiren Digital (NYSE:YRD) 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.

Yiren Digital 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.

Yiren Digital's stock has gained 28.76% in the past year. It has overperformed other stocks in the credit service industry by 3 percentage points.

Are credit service stocks a good buy now?

36.59% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 9.37% over the next year.

13.21% of credit service stocks have a Zen Rating of A (Strong Buy), 18.87% of credit service stocks are rated B (Buy), 66.04% are rated C (Hold), 1.89% are rated D (Sell), and 0% 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 33.22x.
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.