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Best Credit Service Stocks to Buy Now (2022)
Top credit service stocks in 2022 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
Dividends Score
Market Cap
Dividend Yield
Payout Ratio
Last Dividend
Annual Dividend
Dividend Percentile
Dividend Dropped Count (L10Y)
Ex-dividend Date
Div. Payment Date
QFIN
360 DIGITECH INC
$2.66B5.52%23.50%$0.1800$0.9482%22022-12-092023-01-18
LX
LEXINFINTECH HOLDINGS LTD
$291.42MN/A0.00%N/AN/AN/AN/A
HKD
AMTD DIGITAL INC
$473.33MN/A0.00%N/AN/AN/AN/A
ATLC
ATLANTICUS HOLDINGS CORP
$410.39MN/A0.00%N/AN/AN/AN/A
LPRO
OPEN LENDING CORP
$903.05MN/A0.00%N/AN/AN/AN/A
BFH
BREAD FINANCIAL HOLDINGS INC
$1.98B2.64%11.20%$0.2100$1.0551%12022-12-16
MA
MASTERCARD INC
$346.18B0.54%19.50%$0.4900$1.967%0
FCFS
FIRSTCASH HOLDINGS INC
$4.33B0.99%28.10%$0.3300$0.9316%0
V
VISA INC
$449.73B0.93%22.50%$0.4500$2.0315%0
AIHS
SENMIAO TECHNOLOGY LTD
$6.99MN/A0.00%N/AN/AN/AN/A
DFS
DISCOVER FINANCIAL SERVICES
$28.80B2.18%14.30%$0.6000$2.3042%02022-12-08
CACC
CREDIT ACCEPTANCE CORP
$6.13BN/A0.00%N/AN/AN/AN/A
CPSS
CONSUMER PORTFOLIO SERVICES INC
$169.23MN/A0.00%N/AN/AN/AN/A
ALLY
ALLY FINANCIAL INC
$7.80B4.59%20.10%$0.3000$1.2077%0
MFIN
MEDALLION FINANCIAL CORP
$170.35M4.31%11.60%$0.0800$0.3274%1
SYF
SYNCHRONY FINANCIAL
$15.90B2.55%13.90%$0.2300$0.9049%0
WU
WESTERN UNION CO
$5.58B6.51%44.30%$0.2350$0.9486%0
GDOT
GREEN DOT CORP
$1.06BN/A0.00%N/AN/AN/AN/A
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$1.35B2.98%27.80%$0.9500$3.7357%02022-12-142022-12-30
OMF
ONEMAIN HOLDINGS INC
$4.83B9.62%46.60%$0.9500$3.8093%5
NNI
NELNET INC
$3.67B0.99%7.10%$0.2600$0.9816%02022-12-15
RWAY
RUNWAY GROWTH FINANCE CORP
$494.80M7.37%133.70%$0.3300$0.9088%0
PYPL
PAYPAL HOLDINGS INC
$85.11BN/A0.00%N/AN/AN/AN/A
EZPW
EZCORP INC
$572.66MN/A0.00%N/AN/AN/AN/A
AXP
AMERICAN EXPRESS CO
$117.13B1.27%19.90%$0.5200$1.9922%0
BBDC
BARINGS BDC INC
$999.08M7.73%320.70%$0.2400$0.7189%62022-12-062022-12-14
IX
ORIX CORP
$20.18BN/A0.00%$1.9631N/AN/A3
NAVI
NAVIENT CORP
$2.30B3.77%17.30%$0.1600$0.6467%02022-12-16
NRDS
NERDWALLET INC
$952.22MN/A0.00%N/AN/AN/AN/A
SLM
SLM CORP
$4.30B2.56%14.20%$0.1100$0.4449%12022-12-15
WRLD
WORLD ACCEPTANCE CORP
$450.81MN/A0.00%N/AN/AN/AN/A
ENVA
ENOVA INTERNATIONAL INC
$1.25BN/A0.00%N/AN/AN/AN/A
GSBD
GOLDMAN SACHS BDC INC
$1.57B11.76%204.50%$0.4500$1.8095%32022-12-292023-01-27
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.31B9.08%406.20%$0.1700$0.6591%42022-12-142022-12-30
SOS
SOS LTD
$45.53MN/A0.00%N/AN/AN/AN/A
RM
REGIONAL MANAGEMENT CORP
$288.63M3.99%15.60%$0.3000$1.2070%02022-12-14
COF
CAPITAL ONE FINANCIAL CORP
$37.29B3.07%11.80%$0.6000$3.0058%1
NCPL
NETCAPITAL INC
$5.26MN/A0.00%N/AN/AN/AN/A
BTBT
BIT DIGITAL INC
$77.23MN/A0.00%N/AN/AN/AN/A
LC
LENDINGCLUB CORP
$1.07BN/A0.00%N/AN/AN/AN/A
LMFA
LM FUNDING AMERICA INC
$8.25MN/A0.00%N/AN/AN/AN/A
LYL
DRAGON VICTORY INTERNATIONAL LTD
$11.66MN/A0.00%N/AN/AN/AN/A
OPRT
OPORTUN FINANCIAL CORP
$188.53MN/A0.00%N/AN/AN/AN/A
ORCC
OWL ROCK CAPITAL CORP
$5.07B9.63%109.70%$0.3100$1.2493%12022-12-292022-12-15
FINV
FINVOLUTION GROUP
$6.85B4.23%88.80%$0.2050$0.2173%1
MGI
MONEYGRAM INTERNATIONAL INC
$1.06BN/A0.00%N/AN/AN/AN/A
CURO
CURO GROUP HOLDINGS CORP
$159.11M8.40%-64.70%$0.1100$0.3390%0
LU
LUFAX HOLDING LTD
$4.49B23.98%62.30%$0.1500$0.4799%1
SNTG
SENTAGE HOLDINGS INC
$7.34MN/A0.00%N/AN/AN/AN/A
SOFI
SOFI TECHNOLOGIES INC
$4.36BN/A0.00%N/AN/AN/AN/A
SNFCA
SECURITY NATIONAL FINANCIAL CORP
$140.05MN/A0.00%$0.1991N/AN/A1
ELVT
ELEVATE CREDIT INC
$57.18MN/A0.00%N/AN/AN/AN/A
PGY
PAGAYA TECHNOLOGIES LTD
$672.64MN/AN/AN/AN/AN/AN/A
QD
QUDIAN INC
$220.69MN/A0.00%N/AN/AN/AN/A
UPST
UPSTART HOLDINGS INC
$1.53BN/A0.00%N/AN/AN/AN/A
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$4.02MN/A0.00%N/AN/AN/AN/A
PRAA
PRA GROUP INC
$1.34BN/A0.00%N/AN/AN/AN/A
SUNL
SUNLIGHT FINANCIAL HOLDINGS INC
$234.07MN/A0.00%N/AN/AN/AN/A
DXF
DUNXIN FINANCIAL HOLDINGS LTD
$13.61MN/A0.00%N/AN/AN/AN/A
XYF
X FINANCIAL
$122.35MN/A0.00%$0.3000N/AN/A0
MEGL
MAGIC EMPIRE GLOBAL LTD
N/AN/A0.00%N/AN/AN/AN/A
NICK
NICHOLAS FINANCIAL INC
$84.84MN/A0.00%$0.1200N/AN/A0
JT
JIANPU TECHNOLOGY INC
$34.79MN/AN/AN/AN/AN/AN/A
FOA
FINANCE OF AMERICA COMPANIES INC
$87.52MN/A0.00%N/AN/AN/AN/A
SHFS
SHF HOLDINGS INC
$77.67MN/A0.00%N/AN/AN/AN/A
YRD
YIREN DIGITAL LTD
$118.41MN/AN/A$0.2800N/AN/A1

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Dec 2022?

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

1. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the top credit service stock with a Zen Score of 59, which is 28 points higher than the credit service industry average of 31. It passed 22 out of 38 due diligence checks and has strong fundamentals. 360 Digitech has seen its stock lose -22.51% over the past year, overperforming other credit service stocks by 4 percentage points.

360 Digitech has an average 1 year price target of $25.39, an upside of 49% from 360 Digitech's current stock price of $17.04.

360 Digitech stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering 360 Digitech, 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.

2. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the second best credit service stock with a Zen Score of 58, which is 27 points higher than the credit service industry average of 31. It passed 18 out of 33 due diligence checks and has strong fundamentals. Lexinfintech Holdings has seen its stock lose -56.42% over the past year, underperforming other credit service stocks by -30 percentage points.

Lexinfintech Holdings has an average 1 year price target of $9.15, an upside of 428.9% from Lexinfintech Holdings's current stock price of $1.73.

Lexinfintech Holdings stock has a consensus Hold recommendation according to Wall Street analysts. Of the 4 analysts covering Lexinfintech Holdings, 25% have issued a Strong Buy rating, 0% have issued a Buy, 50% have issued a hold, while 0% have issued a Sell rating, and 25% have issued a Strong Sell.

3. Amtd Digital (NYSE:HKD)


Amtd Digital (NYSE:HKD) is the third best credit service stock with a Zen Score of 52, which is 21 points higher than the credit service industry average of 31. It passed 16 out of 33 due diligence checks and has strong fundamentals.

What are the credit service stocks with highest dividends?

Out of 26 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

1. Lufax Holding (NYSE:LU)


Lufax Holding (NYSE:LU) has an annual dividend yield of 23.98%, which is 19 percentage points higher than the credit service industry average of 5.43%.

Lufax Holding's dividend payout ratio of 62.3% indicates that its high dividend yield is sustainable for the long-term.

2. Goldman Sachs Bdc (NYSE:GSBD)


Goldman Sachs Bdc (NYSE:GSBD) has an annual dividend yield of 11.76%, which is 6 percentage points higher than the credit service industry average of 5.43%. Goldman Sachs Bdc's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Goldman Sachs Bdc's dividend has not shown consistent growth over the last 10 years.

Goldman Sachs Bdc's dividend payout ratio of 204.5% indicates that its high dividend yield might not be sustainable for the long-term.

3. Owl Rock Capital (NYSE:ORCC)


Owl Rock Capital (NYSE:ORCC) has an annual dividend yield of 9.63%, which is 4 percentage points higher than the credit service industry average of 5.43%.

Owl Rock Capital's dividend payout ratio of 109.7% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -0.41% in the last day, and up 0.19% over the last week. PayPal was the among the top losers in the credit services industry, dropping -4.93% yesterday.

Shares of several companies in the broader tech sector are trading lower amid overall market weakness following bigger-than-expected nonfarm payroll data. A rise in US Treasury yields has also weighed on the sector.

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. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. 360 Digitech has a valuation score of 100, which is 56 points higher than the credit service industry average of 44. It passed 7 out of 7 valuation due diligence checks.

360 Digitech's stock has dropped -22.51% in the past year. It has overperformed other stocks in the credit service industry by 4 percentage points.

2. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Lexinfintech Holdings has a valuation score of 100, which is 56 points higher than the credit service industry average of 44. It passed 7 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -56.42% in the past year. It has underperformed other stocks in the credit service industry by -30 percentage points.

3. Consumer Portfolio Services (NASDAQ:CPSS)


Consumer Portfolio Services (NASDAQ:CPSS) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Consumer Portfolio Services has a valuation score of 86, which is 42 points higher than the credit service industry average of 44. It passed 6 out of 7 valuation due diligence checks.

Consumer Portfolio Services's stock has gained 3.63% in the past year. It has overperformed other stocks in the credit service industry by 30 percentage points.

Are credit service stocks a good buy now?

36.36% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 15.18% 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 28.03x.
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.