Sectors & IndustriesFinancial ServicesCredit Services

Best Credit Service Stocks to Buy Now (2025)

Top credit service stocks in 2025 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 59 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: C, Growth: A, Momentum: B, Sentiment: B, Safety: A, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 22, which is -9 points lower than the credit service industry average of 31. Although this number is below the industry average, our proven quant model rates OPFI as a "A".

OPFI passed 9 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock return 304.26% over the past year, overperforming other credit service stocks by 269 percentage points.

Oppfi has an average 1 year price target of $13.50, a downside of -1.6% from Oppfi's current stock price of $13.72.

Oppfi stock has a consensus Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Oppfi, 0% have issued a Strong Buy rating, 100% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Finvolution Group (NYSE:FINV) is the #2 top credit service stock out of 59 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 Finvolution Group (NYSE:FINV) is: Value: B, Growth: C, Momentum: A, Sentiment: C, Safety: A, Financials: B, and AI: C.

Finvolution Group (NYSE:FINV) has a Due Diligence Score of 27, which is -4 points lower than the credit service industry average of 31. Although this number is below the industry average, our proven quant model rates FINV as a "A".

FINV passed 10 out of 38 due diligence checks and has average fundamentals. Finvolution Group has seen its stock return 108.56% over the past year, overperforming other credit service stocks by 74 percentage points.

Finvolution Group has an average 1 year price target of $11.55, an upside of 17.38% from Finvolution Group's current stock price of $9.84.

Finvolution Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Finvolution 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.

Enova International (NYSE:ENVA) is the #3 top credit service stock out of 59 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 Enova International (NYSE:ENVA) is: Value: B, Growth: B, Momentum: C, Sentiment: C, Safety: C, Financials: B, and AI: B.

Enova International (NYSE:ENVA) has a Due Diligence Score of 51, which is 20 points higher than the credit service industry average of 31.

ENVA passed 17 out of 33 due diligence checks and has strong fundamentals. Enova International has seen its stock return 88.88% over the past year, overperforming other credit service stocks by 54 percentage points.

Enova International has an average 1 year price target of $132.40, an upside of 14.29% from Enova International's current stock price of $115.85.

Enova International stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Enova International, 60% have issued a Strong Buy rating, 40% 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 21 credit service stocks that have issued dividends in the past year, the 3 credit service stocks with the highest dividend yields are:

Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 14.14%, which is 10 percentage points higher than the credit service industry average of 3.8%. 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 1,514.3% indicates that its high dividend yield might not be sustainable for the long-term.

Barings Bdc (NYSE:BBDC) has an annual dividend yield of 12.28%, which is 8 percentage points higher than the credit service industry average of 3.8%. Barings Bdc's dividend payout is not stable, having dropped more than 10% three 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 117.2% indicates that its high dividend yield might not be sustainable for the long-term.

Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 10.28%, which is 6 percentage points higher than the credit service industry average of 3.8%.

Runway Growth Finance's dividend payout ratio of 73.3% indicates that its high dividend yield is sustainable for the long-term.

Credit service stocks were up 0.93% in the last day, and up 3.66% over the last week.

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

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:

Western Union Co (NYSE:WU) 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.

Western Union Co has a valuation score of 43, which is 5 points higher than the credit service industry average of 38. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -30.56% in the past year. It has underperformed other stocks in the credit service industry by -66 percentage points.

Yiren Digital (NYSE:YRD) 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.

Yiren Digital has a valuation score of 71, which is 33 points higher than the credit service industry average of 38. It passed 5 out of 7 valuation due diligence checks.

Yiren Digital's stock has gained 40.96% in the past year. It has overperformed other stocks in the credit service industry by 6 percentage points.

Qifu Technology (NASDAQ:QFIN) 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.

Qifu Technology has a valuation score of 71, which is 33 points higher than the credit service industry average of 38. It passed 5 out of 7 valuation due diligence checks.

Qifu Technology's stock has gained 125.23% in the past year. It has overperformed other stocks in the credit service industry by 90 percentage points.

41.03% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 1.27% over the next year.

15.38% of credit service stocks have a Zen Rating of A (Strong Buy), 15.38% of credit service stocks are rated B (Buy), 59.62% are rated C (Hold), 5.77% are rated D (Sell), and 3.85% are rated F (Strong Sell).