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Best Credit Service Stocks to Buy Now (2024)
Top credit service stocks in 2024 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)
QFIN
QIFU TECHNOLOGY INC
China
$3.37B316,325,75031.11%0.00%
LPRO
OPEN LENDING CORP
United States
$747.17M119,165,10858.76%41.24%Net SellingNet Selling
MA
MASTERCARD INC
United States
$427.87B929,615,40075.39%20.97%Net SellingNet Selling
OMF
ONEMAIN HOLDINGS INC
United States
$5.99B119,808,69538.56%61.44%Net SellingNet Selling
BFH
BREAD FINANCIAL HOLDINGS INC
United States
$2.06B49,584,37017.48%82.52%Net SellingNet Selling
DFS
DISCOVER FINANCIAL SERVICES
United States
$31.43B250,599,03782.91%2.05%Net SellingNet Selling
EZPW
EZCORP INC
United States
$562.06M54,942,37885.14%14.86%Net BuyingNet Buying
PYPL
PAYPAL HOLDINGS INC
United States
$67.45B1,046,046,04166.74%6.97%Net SellingNet Selling
COF
CAPITAL ONE FINANCIAL CORP
United States
$54.16B381,922,06790.94%2.61%Net SellingNet Selling
ATLC
ATLANTICUS HOLDINGS CORP
United States
$357.38M14,792,0924.78%95.22%Net BuyingNet Buying
V
VISA INC
United States
$563.00B1,828,938,53381.80%0.15%Net SellingNet Selling
OCSL
OAKTREE SPECIALTY LENDING CORP
United States
$1.58B81,395,95436.47%35.26%Net Buying
WU
WESTERN UNION CO
United States
$4.45B338,335,14292.73%2.38%Net SellingNet Selling
LX
LEXINFINTECH HOLDINGS LTD
China
$318.60M329,297,6408.67%0.00%
NAVI
NAVIENT CORP
United States
$1.72B111,824,74955.27%44.73%Net SellingNet Selling
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
United States
$1.98B10,880,84169.75%7.72%Net SellingNet Selling
SYF
SYNCHRONY FINANCIAL
United States
$17.64B401,543,68535.25%64.75%Net BuyingNet Selling
ALLY
ALLY FINANCIAL INC
United States
$12.20B303,981,22288.42%1.39%Net BuyingNet Buying
AXP
AMERICAN EXPRESS CO
United States
$174.66B719,303,05383.06%0.96%Net SellingNet Selling
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
China
$29.16M3,940,8654.09%31.13%
MFIN
MEDALLION FINANCIAL CORP
United States
$186.08M23,376,54227.97%16.44%Net BuyingNet Selling
XYF
X FINANCIAL
China
$194.62M293,553,6070.20%0.00%
FINV
FINVOLUTION GROUP
China
$1.32B1,311,510,2185.16%0.00%
YRD
YIREN DIGITAL LTD
China
$437.64M174,706,9681.31%0.00%
SLM
SLM CORP
United States
$4.66B220,275,83494.50%5.50%Net SellingNet Selling
BBDC
BARINGS BDC INC
United States
$1.04B105,951,15944.28%15.77%Net BuyingNet Buying
LMFA
LM FUNDING AMERICA INC
United States
$7.45M2,492,9640.57%99.43%Net SellingNet Selling
ENVA
ENOVA INTERNATIONAL INC
United States
$1.69B27,119,67560.03%39.97%Net SellingNet Selling
WRLD
WORLD ACCEPTANCE CORP
United States
$795.97M6,080,27625.56%74.44%Net SellingNet Selling
QD
QUDIAN INC
China
$379.14M200,600,89111.16%0.00%
OPFI
OPPFI INC
United States
$323.77M111,259,4892.78%97.22%Net BuyingNet Selling
FCFS
FIRSTCASH HOLDINGS INC
United States
$5.34B45,473,29877.47%22.53%Net SellingNet Selling
CPSS
CONSUMER PORTFOLIO SERVICES INC
United States
$180.78M21,021,35426.83%73.17%Net BuyingNet Buying
RWAY
RUNWAY GROWTH FINANCE CORP
United States
$462.22M39,438,46040.98%59.02%Net SellingNet Selling
LC
LENDINGCLUB CORP
United States
$1.06B111,120,41520.38%79.62%Net SellingNet Selling
MCVT
MILL CITY VENTURES III LTD
United States
$15.96M6,385,2550.58%4.26%Net Buying
NNI
NELNET INC
United States
$4.01B36,366,98233.20%66.70%Net SellingNet Selling
PMTS
CPI CARD GROUP INC
United States
$285.74M11,122,46620.34%79.66%Net SellingNet Selling
LU
LUFAX HOLDING LTD
China
$2.71B1,146,319,1718.14%0.00%
SNTG
SENTAGE HOLDINGS INC
China
$5.72M2,805,3250.00%0.00%
SOFI
SOFI TECHNOLOGIES INC
United States
$7.70B1,057,223,16440.31%33.21%Net SellingNet Selling
OBDC
BLUE OWL CAPITAL CORP
United States
$6.41B389,732,86842.62%13.72%Net BuyingNet Buying
RM
REGIONAL MANAGEMENT CORP
United States
$294.41M9,896,20043.21%56.79%Net BuyingNet Buying
AIHS
SENMIAO TECHNOLOGY LTD
China
$8.61M9,568,0400.16%0.00%
CACC
CREDIT ACCEPTANCE CORP
United States
$6.02B12,110,97616.72%83.28%Net SellingNet Selling
FOA
FINANCE OF AMERICA COMPANIES INC
United States
$73.32M98,809,09922.66%77.34%Net SellingNet Selling
DXF
DUNXIN FINANCIAL HOLDINGS LTD
China
$97.93M10,744,693,9600.00%0.04%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
China
$17.48M558,178,6180.12%0.00%
OPRT
OPORTUN FINANCIAL CORP
United States
$127.77M35,589,25466.61%33.39%Net SellingNet Selling
GDOT
GREEN DOT CORP
United States
$529.44M53,210,03359.25%40.75%Net SellingNet Selling
IX
ORIX CORP
Japan
$26.99B1,234,849,3420.60%0.00%
NICK
NICHOLAS FINANCIAL INC
United States
$48.32M7,332,00020.10%79.90%
UPST
UPSTART HOLDINGS INC
United States
$2.23B87,878,02542.55%47.74%Net SellingNet Selling
PRAA
PRA GROUP INC
United States
$982.23M39,352,00693.79%6.21%Net SellingNet Selling

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in May 2024?

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

1. Qifu Technology (NASDAQ:QFIN)


Qifu Technology (NASDAQ:QFIN) is the top credit service stock with a Zen Score of 57, which is 25 points higher than the credit service industry average of 32. It passed 21 out of 38 due diligence checks and has strong fundamentals. Qifu Technology has seen its stock return 22.98% over the past year, overperforming other credit service stocks by 1 percentage points.

Qifu Technology has an average 1 year price target of $23.80, an upside of 11.74% from Qifu Technology's current stock price of $21.30.

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.

2. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the second best credit service stock with a Zen Score of 56, which is 24 points higher than the credit service industry average of 32. It passed 18 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -34.28% over the past year, underperforming other credit service stocks by -57 percentage points.

Open Lending has an average 1 year price target of $7.20, an upside of 14.83% from Open Lending's current stock price of $6.27.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Open Lending, 0% have issued a Strong Buy rating, 60% have issued a Buy, 40% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Mastercard (NYSE:MA)


Mastercard (NYSE:MA) is the third best credit service stock with a Zen Score of 53, which is 21 points higher than the credit service industry average of 32. It passed 21 out of 38 due diligence checks and has strong fundamentals. Mastercard has seen its stock return 18.93% over the past year, underperforming other credit service stocks by -3 percentage points.

Mastercard has an average 1 year price target of $515.72, an upside of 12.05% from Mastercard's current stock price of $460.27.

Mastercard stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 18 analysts covering Mastercard, 66.67% have issued a Strong Buy rating, 33.33% have issued a Buy, 0% 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 24 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 11.72%, which is 8 percentage points higher than the credit service industry average of 4.05%. 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 166.9% 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 10.47%, which is 6 percentage points higher than the credit service industry average of 4.05%. Barings Bdc's dividend payout is not stable, having dropped more than 10% four times in the last 10 years. Barings Bdc's dividend has shown consistent growth over the last 10 years.

Barings Bdc's dividend payout ratio of 83.1% indicates that its high dividend yield is sustainable for the long-term.

3. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) has an annual dividend yield of 9.41%, which is 5 percentage points higher than the credit service industry average of 4.05%.

Lexinfintech Holdings's dividend payout ratio of 20.3% indicates that its high dividend yield is sustainable for the long-term.

Why are credit service stocks up?

Credit service stocks were up 0.26% in the last day, and down -0.61% over the last week. Dunxin Financial Holdings was the among the top gainers in the credit services industry, gaining 63.16% yesterday.

Shares of US-listed Chinese stocks are trading higher after China unveiled measures to support the property 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. Ezcorp (NASDAQ:EZPW)


Ezcorp (NASDAQ:EZPW) is the most undervalued credit service stock based on WallStreetZen's Valuation Score. Ezcorp has a valuation score of 86, which is 43 points higher than the credit service industry average of 43. It passed 6 out of 7 valuation due diligence checks.

Ezcorp's stock has gained 16.51% in the past year. It has underperformed other stocks in the credit service industry by -6 percentage points.

2. Capital One Financial (NYSE:COF)


Capital One Financial (NYSE:COF) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Capital One Financial has a valuation score of 71, which is 28 points higher than the credit service industry average of 43. It passed 5 out of 7 valuation due diligence checks.

Capital One Financial's stock has gained 49.76% in the past year. It has overperformed other stocks in the credit service industry by 27 percentage points.

3. Atlanticus Holdings (NASDAQ:ATLC)


Atlanticus Holdings (NASDAQ:ATLC) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. Atlanticus Holdings has a valuation score of 71, which is 28 points higher than the credit service industry average of 43. It passed 5 out of 7 valuation due diligence checks.

Atlanticus Holdings's stock has dropped -16.2% in the past year. It has underperformed other stocks in the credit service industry by -39 percentage points.

Are credit service stocks a good buy now?

40.54% of credit service stocks rated by analysts are a buy right now. On average, analysts expect credit service stocks to rise by 3.96% 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 27.44x.
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