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 +28.50% 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:

Cpi Card Group (NASDAQ:PMTS) is the #1 top credit service stock out of 54 with a Zen Rating of A. Stocks with a rating of A have had an average return of +28.5% per year. Learn more.

The Component Grade breakdown for Cpi Card Group (NASDAQ:PMTS) is: Value: B, Growth: B, Momentum: B, Sentiment: C, Safety: B, Financials: B, and AI: C.

Cpi Card Group (NASDAQ:PMTS) has a Due Diligence Score of 25, which is -10 points lower than the credit service industry average of 35. Although this number is below the industry average, our proven quant model rates PMTS as a "A".

PMTS passed 10 out of 38 due diligence checks and has weak fundamentals. Cpi Card Group has seen its stock return 90.54% over the past year, overperforming other credit service stocks by 84 percentage points.

Cpi Card Group has an average 1 year price target of $34.00, an upside of 17.24% from Cpi Card Group's current stock price of $29.00.

Cpi Card Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Cpi Card 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.

Oportun Financial (NASDAQ:OPRT) is the #2 top credit service stock out of 54 with a Zen Rating of A. Stocks with a rating of A have had an average return of +28.5% per year. Learn more.

The Component Grade breakdown for Oportun Financial (NASDAQ:OPRT) is: Value: B, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: C.

Oportun Financial (NASDAQ:OPRT) has a Due Diligence Score of 50, which is 15 points higher than the credit service industry average of 35.

OPRT passed 16 out of 33 due diligence checks and has strong fundamentals. Oportun Financial has seen its stock return 17.56% over the past year, overperforming other credit service stocks by 11 percentage points.

Oportun Financial has an average 1 year price target of $6.50, a downside of -12.52% from Oportun Financial's current stock price of $7.43.

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

Enova International (NYSE:ENVA) is the #3 top credit service stock out of 54 with a Zen Rating of B. Stocks with a rating of B have had an average return of +17.17% per year. Learn more.

The Component Grade breakdown for Enova International (NYSE:ENVA) is: Value: C, Growth: B, Momentum: C, Sentiment: C, Safety: C, Financials: B, and AI: C.

Enova International (NYSE:ENVA) has a Due Diligence Score of 51, which is 16 points higher than the credit service industry average of 35.

ENVA passed 17 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 88.68% over the past year, overperforming other credit service stocks by 83 percentage points.

Enova International has an average 1 year price target of $247.83, an upside of 9.23% from Enova International's current stock price of $226.89.

Enova International stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 6 analysts covering Enova International, 83.33% have issued a Strong Buy rating, 16.67% 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 26 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 19.79%, which is 13 percentage points higher than the credit service industry average of 6.45%. 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 1,125% indicates that its high dividend yield might not be sustainable for the long-term.

Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 18.32%, which is 12 percentage points higher than the credit service industry average of 6.45%.

Lexinfintech Holdings's dividend payout ratio of 16.3% indicates that its high dividend yield is sustainable for the long-term.

Qfin Holdings (NASDAQ:QFIN) has an annual dividend yield of 17.89%, which is 11 percentage points higher than the credit service industry average of 6.45%. Qfin Holdings's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Qfin Holdings's dividend has shown consistent growth over the last 10 years.

Qfin Holdings's dividend payout ratio of 34.7% indicates that its high dividend yield is sustainable for the long-term.

Credit service stocks were up 2.42% in the last day, and down -0.89% over the last week. Affirm was the among the top gainers in the credit services industry, gaining 5.93% yesterday.

Affirm Holdings shares are trading higher after Scotiabank initiated coverage on the stock with an Outperform rating and announced a $95 price target.

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 29 points higher than the credit service industry average of 42. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -71.12% in the past year. It has underperformed other stocks in the credit service industry by -77 percentage points.

Oppfi (NYSE:OPFI) 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.

Oppfi has a valuation score of 43, which is 1 points higher than the credit service industry average of 42. It passed 3 out of 7 valuation due diligence checks.

Oppfi's stock has dropped -29.64% in the past year. It has underperformed other stocks in the credit service industry by -36 percentage points.

Western Union Co (NYSE:WU) 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.

Western Union Co has a valuation score of 71, which is 29 points higher than the credit service industry average of 42. It passed 5 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -16.57% in the past year. It has underperformed other stocks in the credit service industry by -23 percentage points.

42.5% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 20.11% over the next year.

4.17% of credit service stocks have a Zen Rating of A (Strong Buy), 14.58% of credit service stocks are rated B (Buy), 66.67% are rated C (Hold), 10.42% are rated D (Sell), and 4.17% are rated F (Strong Sell).