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Best Credit Service Stocks to Buy Now (2023)
Top credit service stocks in 2023 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
Country
Market Cap
Shares
Institutional %
Insider %
Net Insider (L12M)
Net Insider (L3M)
LPRO
OPEN LENDING CORP
United States
$858.16M120,697,95363.98%36.02%Net SellingNet Selling
QFIN
QIFU TECHNOLOGY INC
China
$2.51B323,095,87732.06%0.00%
OMF
ONEMAIN HOLDINGS INC
United States
$4.73B120,418,46037.97%62.03%Net SellingNet Selling
LX
LEXINFINTECH HOLDINGS LTD
China
$352.86M328,241,85510.18%0.00%
ATLC
ATLANTICUS HOLDINGS CORP
United States
$424.42M14,431,0724.68%95.32%Net BuyingNet Buying
SLM
SLM CORP
United States
$3.06B226,080,85894.62%5.38%Net SellingNet Selling
V
VISA INC
United States
$472.35B1,861,840,58681.21%0.14%Net SellingNet Buying
PYPL
PAYPAL HOLDINGS INC
United States
$64.30B1,098,037,47167.98%6.64%Net SellingNet Selling
NRDS
NERDWALLET INC
United States
$697.84M77,537,42436.22%31.14%Net SellingNet Selling
OCSL
OAKTREE SPECIALTY LENDING CORP
United States
$1.51B77,079,81136.18%37.24%Net Buying
BFH
BREAD FINANCIAL HOLDINGS INC
United States
$1.68B50,224,09917.21%82.79%Net BuyingNet Selling
ALLY
ALLY FINANCIAL INC
United States
$7.74B301,618,76886.12%1.08%Net BuyingNet Buying
SYF
SYNCHRONY FINANCIAL
United States
$12.70B418,183,06035.86%64.14%Net SellingNet Selling
LC
LENDINGCLUB CORP
United States
$655.43M108,694,12019.90%80.10%Net SellingNet Selling
MA
MASTERCARD INC
United States
$372.97B942,212,34374.81%10.69%Net SellingNet Selling
COF
CAPITAL ONE FINANCIAL CORP
United States
$36.28B381,441,44990.08%2.57%Net SellingNet Selling
MFIN
MEDALLION FINANCIAL CORP
United States
$158.63M23,362,08919.09%15.92%Net SellingNet Buying
GDOT
GREEN DOT CORP
United States
$715.58M52,346,48258.94%41.06%Net SellingNet Selling
WRLD
WORLD ACCEPTANCE CORP
United States
$789.70M6,242,16026.82%73.18%Net SellingNet Selling
NAVI
NAVIENT CORP
United States
$2.07B121,601,86466.37%33.63%Net BuyingNet Selling
DFS
DISCOVER FINANCIAL SERVICES
United States
$22.70B249,947,99683.50%1.95%Net SellingNet Selling
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
United States
$1.64B10,837,01868.22%7.64%Net SellingNet Selling
AXP
AMERICAN EXPRESS CO
United States
$110.09B736,458,87283.01%0.94%Net BuyingNet Buying
WU
WESTERN UNION CO
United States
$4.92B374,534,80588.76%2.03%Net SellingNet Selling
CPSS
CONSUMER PORTFOLIO SERVICES INC
United States
$188.58M21,164,58027.42%72.58%Net Buying
PMTS
CPI CARD GROUP INC
United States
$210.67M11,430,8976.03%93.97%Net SellingNet Selling
ENVA
ENOVA INTERNATIONAL INC
United States
$1.54B30,787,34762.37%37.63%Net SellingNet Selling
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
China
$8.85M3,749,7169.18%32.72%
FCFS
FIRSTCASH HOLDINGS INC
United States
$4.52B45,107,91274.54%25.46%Net SellingNet Selling
IX
ORIX CORP
Japan
$22.80B1,234,849,3420.61%0.00%
YRD
YIREN DIGITAL LTD
China
$220.28M176,929,1760.67%0.00%
LMFA
LM FUNDING AMERICA INC
United States
$7.47M14,651,8833.21%67.13%Net BuyingNet Selling
BBDC
BARINGS BDC INC
United States
$933.08M106,516,16648.95%15.65%Net BuyingNet Buying
FINV
FINVOLUTION GROUP
China
$1.40B1,410,573,7444.26%0.00%
XYF
X FINANCIAL
China
$183.96M287,607,8570.23%0.00%
RWAY
RUNWAY GROWTH FINANCE CORP
United States
$512.04M40,509,26938.08%61.92%Net Selling
EZPW
EZCORP INC
United States
$457.65M55,071,75086.31%13.69%Net Buying
OBDC
BLUE OWL CAPITAL CORP
United States
$5.28B389,732,86842.32%13.71%Net Buying
AIHS
SENMIAO TECHNOLOGY LTD
China
$3.64M8,068,0400.01%0.00%
QD
QUDIAN INC
China
$482.69M223,467,4988.30%0.00%
SOFI
SOFI TECHNOLOGIES INC
United States
$7.45B950,114,36937.00%40.10%Net SellingNet Selling
NNI
NELNET INC
United States
$3.29B37,319,45133.51%64.73%Net SellingNet Selling
CACC
CREDIT ACCEPTANCE CORP
United States
$5.86B12,822,20117.61%82.39%Net SellingNet Selling
RM
REGIONAL MANAGEMENT CORP
United States
$268.26M9,837,18046.30%53.70%Net SellingNet Buying
DXF
DUNXIN FINANCIAL HOLDINGS LTD
China
$7.18M1,042,458,1840.03%0.42%
JT
JIANPU TECHNOLOGY INC
China
$21.61M424,587,8190.60%0.00%
SNTG
SENTAGE HOLDINGS INC
China
$4.71M2,805,3251.10%0.00%
OPFI
OPPFI INC
United States
$280.72M110,519,2141.53%98.47%Net BuyingNet Selling
FOA
FINANCE OF AMERICA COMPANIES INC
United States
$108.72M87,675,30930.34%69.66%Net Buying
NICK
NICHOLAS FINANCIAL INC
United States
$35.41M7,332,00020.31%79.69%Net Buying
MCVT
MILL CITY VENTURES III LTD
United States
$18.80M6,185,2555.12%4.40%Net BuyingNet Buying
UPST
UPSTART HOLDINGS INC
United States
$2.31B83,887,65842.05%49.96%Net SellingNet Selling
MDBH
MDB CAPITAL HOLDINGS LLC
United States
N/A9,295,6320.00%0.00%
OPRT
OPORTUN FINANCIAL CORP
United States
$244.78M34,044,43164.94%34.55%Net BuyingNet Selling
LU
LUFAX HOLDING LTD
China
$2.43B1,145,993,96933.23%0.00%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
China
$9.78M303,728,6180.12%0.00%
PRAA
PRA GROUP INC
United States
$763.64M39,241,60594.30%5.70%Net SellingNet Buying
CURO
CURO GROUP HOLDINGS CORP
United States
$43.72M41,249,95616.36%83.64%Net BuyingNet Buying

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Oct 2023?

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

1. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the top credit service stock with a Zen Score of 71, which is 39 points higher than the credit service industry average of 32. It passed 23 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -10.34% over the past year, underperforming other credit service stocks by -23 percentage points.

Open Lending has an average 1 year price target of $11.60, an upside of 63.15% from Open Lending's current stock price of $7.11.

Open Lending stock has a consensus Hold recommendation according to Wall Street analysts. Of the 5 analysts covering Open Lending, 20% have issued a Strong Buy rating, 40% have issued a Buy, 20% have issued a hold, while 0% have issued a Sell rating, and 20% have issued a Strong Sell.

2. Qifu Technology (NASDAQ:QFIN)


Qifu Technology (NASDAQ:QFIN) is the second best credit service stock with a Zen Score of 67, which is 35 points higher than the credit service industry average of 32. It passed 26 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 17.26% over the past year, overperforming other credit service stocks by 5 percentage points.

Qifu Technology has an average 1 year price target of $24.50, an upside of 57.46% from Qifu Technology's current stock price of $15.56.

Qifu Technology stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Qifu Technology, 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. Onemain Holdings (NYSE:OMF)


Onemain Holdings (NYSE:OMF) is the third best credit service stock with a Zen Score of 55, which is 23 points higher than the credit service industry average of 32. It passed 20 out of 38 due diligence checks and has strong fundamentals. Onemain Holdings has seen its stock return 26.25% over the past year, overperforming other credit service stocks by 14 percentage points.

Onemain Holdings has an average 1 year price target of $50.38, an upside of 28.38% from Onemain Holdings's current stock price of $39.24.

Onemain Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 8 analysts covering Onemain Holdings, 50% have issued a Strong Buy rating, 37.5% have issued a Buy, 12.5% 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 25 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 13.34%, which is 9 percentage points higher than the credit service industry average of 4.73%. Oaktree Specialty Lending's dividend payout is not stable, having dropped more than 10% five 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 214.2% 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 11.42%, which is 7 percentage points higher than the credit service industry average of 4.73%. Barings Bdc's dividend payout is not stable, having dropped more than 10% five 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 119.5% indicates that its high dividend yield might not be sustainable for the long-term.

3. Onemain Holdings (NYSE:OMF)


Onemain Holdings (NYSE:OMF) has an annual dividend yield of 10.07%, which is 5 percentage points higher than the credit service industry average of 4.73%. Onemain Holdings's dividend payout is not stable, having dropped more than 10% five times in the last 10 years. Onemain Holdings's dividend has shown consistent growth over the last 10 years.

Onemain Holdings's dividend payout ratio of 73% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -0.54% in the last day, and down -1.46% over the last week.

We couldn't find a catalyst for why credit service stocks are down.

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. Atlanticus Holdings (NASDAQ:ATLC)


Atlanticus Holdings (NASDAQ:ATLC) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Atlanticus Holdings has a valuation score of 100, which is 53 points higher than the credit service industry average of 47. It passed 7 out of 7 valuation due diligence checks.

Atlanticus Holdings's stock has gained 10.81% in the past year. It has underperformed other stocks in the credit service industry by -2 percentage points.

2. Medallion Financial (NASDAQ:MFIN)


Medallion Financial (NASDAQ:MFIN) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Medallion Financial has a valuation score of 100, which is 53 points higher than the credit service industry average of 47. It passed 7 out of 7 valuation due diligence checks.

Medallion Financial's stock has dropped -4.63% in the past year. It has underperformed other stocks in the credit service industry by -17 percentage points.

3. Qifu Technology (NASDAQ:QFIN)


Qifu Technology (NASDAQ:QFIN) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Qifu Technology has a valuation score of 100, which is 53 points higher than the credit service industry average of 47. It passed 7 out of 7 valuation due diligence checks.

Qifu Technology's stock has gained 17.26% in the past year. It has overperformed other stocks in the credit service industry by 5 percentage points.

Are credit service stocks a good buy now?

34.15% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 13.34% 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 26.63x.
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.