Sectors & IndustriesFinancial ServicesCredit Services

Best Credit Service Stocks to Buy Now (2026)

Top credit service stocks in 2026 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 55 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: B, Growth: A, Momentum: D, Sentiment: B, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 16, which is -16 points lower than the credit service industry average of 32. Although this number is below the industry average, our proven quant model rates OPFI as a "A".

OPFI passed 6 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock lose -43.55% over the past year, underperforming other credit service stocks by -41 percentage points.

Bread Financial Holdings (NYSE:BFH) is the #2 top credit service stock out of 55 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 Bread Financial Holdings (NYSE:BFH) is: Value: A, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: C, and AI: A.

Bread Financial Holdings (NYSE:BFH) has a Due Diligence Score of 37, which is 5 points higher than the credit service industry average of 32.

BFH passed 13 out of 38 due diligence checks and has average fundamentals. Bread Financial Holdings has seen its stock return 24.68% over the past year, overperforming other credit service stocks by 27 percentage points.

Bread Financial Holdings has an average 1 year price target of $75.92, a downside of -1.65% from Bread Financial Holdings's current stock price of $77.19.

Bread Financial Holdings stock has a consensus Hold recommendation according to Wall Street analysts. Of the 12 analysts covering Bread Financial Holdings, 25% have issued a Strong Buy rating, 8.33% have issued a Buy, 25% have issued a hold, while 0% have issued a Sell rating, and 41.67% have issued a Strong Sell.

Ezcorp (NASDAQ:EZPW) is the #3 top credit service stock out of 55 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 Ezcorp (NASDAQ:EZPW) is: Value: C, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: C.

Ezcorp (NASDAQ:EZPW) has a Due Diligence Score of 48, which is 16 points higher than the credit service industry average of 32.

EZPW passed 15 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 87.42% over the past year, overperforming other credit service stocks by 90 percentage points.

Ezcorp has an average 1 year price target of $27.00, an upside of 17.7% from Ezcorp's current stock price of $22.94.

Ezcorp stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Ezcorp, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

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:

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 15.77%, which is 11 percentage points higher than the credit service industry average of 5.21%. Runway Growth Finance's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Runway Growth Finance's dividend has shown consistent growth over the last 10 years.

Runway Growth Finance's dividend payout ratio of 100.7% indicates that its high dividend yield might not be sustainable for the long-term.

Blue Owl Capital (NYSE:OBDC) has an annual dividend yield of 14.3%, which is 9 percentage points higher than the credit service industry average of 5.21%. Blue Owl Capital's dividend payout is not stable, having dropped more than 10% seven 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 114.2% indicates that its high dividend yield might not be sustainable for the long-term.

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.93%, which is 9 percentage points higher than the credit service industry average of 5.21%. 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 469.4% indicates that its high dividend yield might not be sustainable for the long-term.

Credit service stocks were down -1.11% in the last day, and up 0.02% 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:

Qfin Holdings (NASDAQ:QFIN) 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.

Qfin Holdings 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.

Qfin Holdings's stock has dropped -62.49% in the past year. It has underperformed other stocks in the credit service industry by -60 percentage points.

Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings has a valuation score of 57, which is 16 points higher than the credit service industry average of 41. It passed 4 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 24.68% in the past year. It has overperformed other stocks in the credit service industry by 27 percentage points.

X Financial (NYSE:XYF) 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.

X Financial 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.

X Financial's stock has dropped -37.68% in the past year. It has underperformed other stocks in the credit service industry by -35 percentage points.

34.21% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 18.15% over the next year.

8.51% of credit service stocks have a Zen Rating of A (Strong Buy), 10.64% of credit service stocks are rated B (Buy), 74.47% are rated C (Hold), 6.38% are rated D (Sell), and 0% are rated F (Strong Sell).