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 24th 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
$1.04B2.09%-62.50%$0.2500$0.2547%0
FINV
FINVOLUTION GROUP
$2.68BN/A0.00%$0.2370N/AN/A1
ENVA
ENOVA INTERNATIONAL INC
$2.94BN/A0.00%N/AN/AN/AN/A
OPRT
OPORTUN FINANCIAL CORP
$243.38MN/A0.00%N/AN/AN/AN/A
EZPW
EZCORP INC
$781.20MN/A0.00%N/AN/AN/AN/A
XYF
X FINANCIAL
$805.27M0.89%3.50%$0.1700$0.1719%1
QFIN
QIFU TECHNOLOGY INC
$5.71B3.06%19.80%$0.7000$1.3063%3
WRLD
WORLD ACCEPTANCE CORP
$904.52MN/A0.00%N/AN/AN/AN/A
MFIN
MEDALLION FINANCIAL CORP
$221.91M4.61%25.10%$0.1200$0.4481%1
OMF
ONEMAIN HOLDINGS INC
$7.00B5.30%87.40%$1.0400$3.1285%5
SEZL
SEZZLE INC
$4.52BN/A0.00%N/AN/AN/AN/A
GDOT
GREEN DOT CORP
$581.29MN/A0.00%N/AN/AN/AN/A
ATLC
ATLANTICUS HOLDINGS CORP
$837.99MN/A0.00%N/AN/AN/AN/A
FCFS
FIRSTCASH HOLDINGS INC
$5.83B0.87%23.70%$0.3800$1.1419%0
PMTS
CPI CARD GROUP INC
$248.08MN/A0.00%$0.2250N/AN/A0
LX
LEXINFINTECH HOLDINGS LTD
$1.16B2.66%16.50%$0.1100$0.1857%1
MA
MASTERCARD INC
$502.17B0.39%19.90%$0.7600$2.186%0
FOA
FINANCE OF AMERICA COMPANIES INC
$256.91MN/A0.00%N/AN/AN/AN/A
COF
CAPITAL ONE FINANCIAL CORP
$84.61B1.09%20.10%$0.6000$2.4024%1
RM
REGIONAL MANAGEMENT CORP
$323.41M2.76%35.00%$0.3000$0.9059%0
CPSS
CONSUMER PORTFOLIO SERVICES INC
$207.84MN/A0.00%N/AN/AN/AN/A
BFH
BREAD FINANCIAL HOLDINGS INC
$2.89B1.36%14.80%$0.2100$0.8430%1
YRD
YIREN DIGITAL LTD
$517.54M3.34%9.30%$0.2000$0.2068%2
NNI
NELNET INC
$4.45B0.91%21.20%$0.2800$1.1220%0
CACC
CREDIT ACCEPTANCE CORP
$5.97BN/A0.00%N/AN/AN/AN/A
SYF
SYNCHRONY FINANCIAL
$26.98B1.48%13.60%$0.3000$1.0533%0
RWAY
RUNWAY GROWTH FINANCE CORP
$410.45M10.10%73.30%$0.3500$1.1195%1
UPST
UPSTART HOLDINGS INC
$7.13BN/A0.00%N/AN/AN/AN/A
PYPL
PAYPAL HOLDINGS INC
$71.86BN/A0.00%N/AN/AN/AN/A
AXP
AMERICAN EXPRESS CO
$224.83B0.47%14.60%$0.8200$1.528%0
ANTA
ANTALPHA PLATFORM HOLDING CO
$267.27MN/AN/AN/AN/AN/AN/A
V
VISA INC
$656.43B0.65%22.30%$0.5900$2.2913%0
BBDC
BARINGS BDC INC
$1.00B11.97%117.20%$0.3100$1.1497%32025-09-032025-09-10
IX
ORIX CORP
$26.38BN/A0.00%$0.3061N/AN/A6
SLM
SLM CORP
$7.07B1.49%16.80%$0.1300$0.5033%0
JCAP
JEFFERSON CAPITAL INC
N/AN/AN/AN/AN/AN/AN/A
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.28B13.74%1,514.30%$0.4200$1.9998%6
CHYM
CHIME FINANCIAL INC
N/AN/AN/AN/AN/AN/AN/A
GRAN
GRANDE GROUP LTD
N/AN/AN/AN/AN/AN/AN/A
QD
QUDIAN INC
$583.66MN/A0.00%N/AN/AN/AN/A
ALLY
ALLY FINANCIAL INC
$12.49B1.48%105.30%$0.3000$0.6033%0
WU
WESTERN UNION CO
$2.75B8.48%34.90%$0.2350$0.7194%0
LPRO
OPEN LENDING CORP
$299.47MN/A0.00%N/AN/AN/AN/A
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$1.99B3.18%35.00%$1.5000$5.8066%0
NAVI
NAVIENT CORP
$1.53B4.25%125.50%$0.1600$0.6479%0
OBDC
BLUE OWL CAPITAL CORP
$7.56B10.74%109.00%$0.3700$1.5996%62025-07-15
SOFI
SOFI TECHNOLOGIES INC
$23.58BN/A0.00%N/AN/AN/AN/A
PRAA
PRA GROUP INC
$628.99MN/A0.00%N/AN/AN/AN/A
LC
LENDINGCLUB CORP
$1.45BN/A0.00%N/AN/AN/AN/A
CRCL
CIRCLE INTERNET GROUP INC
N/AN/AN/AN/AN/AN/AN/A
LU
LUFAX HOLDING LTD
$2.38BN/A0.00%$0.1560N/AN/A3
LMFA
LM FUNDING AMERICA INC
$11.91MN/A0.00%N/AN/AN/AN/A
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$16.93MN/A0.00%N/AN/AN/AN/A
DXF
EASON TECHNOLOGY LTD
$1.16BN/A0.00%N/AN/AN/AN/A
BMHL
BLUEMOUNT HOLDINGS LTD
N/AN/AN/AN/AN/AN/AN/A
AIHS
SENMIAO TECHNOLOGY LTD
$3.46MN/A0.00%N/AN/AN/AN/A
OMCC
OLD MARKET CAPITAL CORP
$42.38MN/A0.00%N/AN/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$16.83MN/A0.00%N/AN/AN/AN/A
SNTG
SENTAGE HOLDINGS INC
$5.53MN/A0.00%N/AN/AN/AN/A
MCVT
MILL CITY VENTURES III LTD
$11.34MN/A0.00%N/AN/AN/AN/A

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Jul 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 60 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: A, Momentum: B, 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 214.17% over the past year, overperforming other credit service stocks by 191 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 12.78% from Oppfi's current stock price of $11.97.

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. Finvolution Group (NYSE:FINV)


Finvolution Group (NYSE:FINV) is the #2 top credit service stock out of 60 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 Finvolution Group (NYSE:FINV) is: Value: B, Growth: C, Momentum: A, Sentiment: C, Safety: A, Financials: B, and AI: C.

Finvolution Group (NYSE:FINV) has a Due Diligence Score of 24, which is -6 points lower than the credit service industry average of 30. Although this number is below the industry average, our proven quant model rates FINV as a "A".

FINV passed 9 out of 38 due diligence checks and has weak fundamentals. Finvolution Group has seen its stock return 113.08% over the past year, overperforming other credit service stocks by 90 percentage points.

Finvolution Group has an average 1 year price target of $11.55, an upside of 9.07% from Finvolution Group's current stock price of $10.59.

Finvolution Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Finvolution Group, 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. Enova International (NYSE:ENVA)


Enova International (NYSE:ENVA) is the #3 top credit service stock out of 60 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: C, Safety: C, Financials: B, and AI: B.

Enova International (NYSE:ENVA) has a Due Diligence Score of 51, which is 21 points higher than the credit service industry average of 30.

ENVA passed 17 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 69.44% over the past year, overperforming other credit service stocks by 46 percentage points.

Enova International has an average 1 year price target of $132.40, an upside of 14.4% from Enova International's current stock price of $115.73.

Enova International stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Enova International, 60% have issued a Strong Buy rating, 40% 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 21 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 13.74%, which is 10 percentage points higher than the credit service industry average of 3.9%. 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 1,514.3% 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 11.97%, which is 8 percentage points higher than the credit service industry average of 3.9%. 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 117.2% indicates that its high dividend yield might not be sustainable for the long-term.

3. Blue Owl Capital (NYSE:OBDC)


Blue Owl Capital (NYSE:OBDC) has an annual dividend yield of 10.74%, which is 7 percentage points higher than the credit service industry average of 3.9%. Blue Owl Capital's dividend payout is not stable, having dropped more than 10% six times in the last 10 years. Blue Owl Capital's dividend has shown consistent growth over the last 10 years.

Blue Owl Capital's dividend payout ratio of 109% 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 0.85% in the last day, and down -2.83% over the last week. PayPal was the among the top gainers in the credit services industry, gaining 3.55% yesterday.

PayPal shares are trading higher after Seaport Global upgraded the stock from Sell to Neutral.

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 6 points higher than the credit service industry average of 37. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -33.25% in the past year. It has underperformed other stocks in the credit service industry by -56 percentage points.

2. Yiren Digital (NYSE:YRD)


Yiren Digital (NYSE:YRD) 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.

Yiren Digital has a valuation score of 71, which is 34 points higher than the credit service industry average of 37. It passed 5 out of 7 valuation due diligence checks.

Yiren Digital's stock has gained 22.24% in the past year. It has underperformed other stocks in the credit service industry by -1 percentage points.

3. Orix (NYSE:IX)


Orix (NYSE:IX) 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.

Orix has a valuation score of 57, which is 20 points higher than the credit service industry average of 37. It passed 4 out of 7 valuation due diligence checks.

Orix's stock has dropped -2.07% in the past year. It has underperformed other stocks in the credit service industry by -25 percentage points.

Are credit service stocks a good buy now?

38.46% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 5.1% over the next year.

16.67% of credit service stocks have a Zen Rating of A (Strong Buy), 16.67% of credit service stocks are rated B (Buy), 53.7% are rated C (Hold), 7.41% are rated D (Sell), and 5.56% 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 31.04x.
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.