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 56 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: A, Growth: B, Momentum: D, Sentiment: C, Safety: B, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 43, which is 8 points higher than the credit service industry average of 35.

OPFI passed 17 out of 38 due diligence checks and has strong fundamentals. Oppfi has seen its stock return 2.42% over the past year, underperforming other credit service stocks by -9 percentage points.

Ezcorp (NASDAQ:EZPW) is the #2 top credit service stock out of 56 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 13 points higher than the credit service industry average of 35.

EZPW passed 15 out of 33 due diligence checks and has strong fundamentals. Ezcorp has seen its stock return 90.44% over the past year, overperforming other credit service stocks by 79 percentage points.

Ezcorp has an average 1 year price target of $30.67, an upside of 3.29% from Ezcorp's current stock price of $29.69.

Ezcorp stock has a consensus Buy recommendation according to Wall Street analysts. Of the 3 analysts covering Ezcorp, 33.33% have issued a Strong Buy rating, 33.33% have issued a Buy, 33.33% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Atlanticus Holdings (NASDAQ:ATLC) is the #3 top credit service stock out of 56 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 Atlanticus Holdings (NASDAQ:ATLC) is: Value: B, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: C.

Atlanticus Holdings (NASDAQ:ATLC) has a Due Diligence Score of 54, which is 19 points higher than the credit service industry average of 35.

ATLC passed 18 out of 33 due diligence checks and has strong fundamentals. Atlanticus Holdings has seen its stock return 28.71% over the past year, overperforming other credit service stocks by 18 percentage points.

Atlanticus Holdings has an average 1 year price target of $101.25, an upside of 48.5% from Atlanticus Holdings's current stock price of $68.18.

Atlanticus Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 4 analysts covering Atlanticus Holdings, 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:

Oppfi (NYSE:OPFI) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 5.91%.

Oppfi's dividend payout ratio of 25.3% indicates that its dividend yield is sustainable for the long-term.

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 21.11%, which is 15 percentage points higher than the credit service industry average of 5.91%. 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 186% 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 13.32%, which is 7 percentage points higher than the credit service industry average of 5.91%. 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 125.8% indicates that its high dividend yield might not be sustainable for the long-term.

Credit service stocks were up 1.49% in the last day, and up 6.28% over the last week. Sezzle was the among the top gainers in the credit services industry, gaining 10.91% yesterday.

Shares of buy-now-pay-later companies are trading higher, possibly in response to a recent survey that indicated a growing number of users taking out loans. There has been an increase in customers using loans to cover staple purchases and "make ends meet."

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 27 points higher than the credit service industry average of 44. It passed 5 out of 7 valuation due diligence checks.

Qfin Holdings's stock has dropped -63.78% in the past year. It has underperformed other stocks in the credit service industry by -75 percentage points.

Lexinfintech Holdings (NASDAQ:LX) 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.

Lexinfintech Holdings has a valuation score of 71, which is 27 points higher than the credit service industry average of 44. It passed 5 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has dropped -68.84% in the past year. It has underperformed other stocks in the credit service industry by -80 percentage points.

Yiren Digital (NYSE:YRD) 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.

Yiren Digital has a valuation score of 29, which is -15 points higher than the credit service industry average of 44. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates YRD a Valuation Rating of "A".

Yiren Digital's stock has dropped -66.9% in the past year. It has underperformed other stocks in the credit service industry by -78 percentage points.

43.24% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 17.53% over the next year.

8.33% of credit service stocks have a Zen Rating of A (Strong Buy), 10.42% of credit service stocks are rated B (Buy), 70.83% are rated C (Hold), 8.33% are rated D (Sell), and 2.08% are rated F (Strong Sell).