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.

Industry: Credit Services
A
Credit Services is Zen Rated A and is the 27th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Zen Rating
Sentiment
Market Cap
Shares
Institutional %
Insider %
Net Insider (L12M)
Net Insider (L3M)
RM
REGIONAL MANAGEMENT CORP
$432.14M9,799,06644.28%55.72%Net SellingNet Selling
OPFI
OPPFI INC
$991.35M86,807,8527.38%92.62%Net SellingNet Selling
NNI
NELNET INC
$4.50B36,173,78629.00%71.00%Net SellingNet Selling
OPRT
OPORTUN FINANCIAL CORP
$250.88M37,501,16571.07%28.93%Net SellingNet Selling
ENVA
ENOVA INTERNATIONAL INC
$3.03B25,012,61359.23%40.77%Net SellingNet Selling
EZPW
EZCORP INC
$1.04B60,896,13685.61%14.39%Net BuyingNet Selling
ATLC
ATLANTICUS HOLDINGS CORP
$1.10B15,126,2297.40%92.60%Net SellingNet Selling
FINV
FINVOLUTION GROUP
$1.96B1,280,035,8336.01%0.00%
IX
ORIX CORP
$31.47B1,162,962,2442.32%0.00%
MFIN
MEDALLION FINANCIAL CORP
$242.46M23,246,59331.82%18.21%Net SellingNet Buying
XYF
X FINANCIAL
$573.92M245,300,7950.69%0.00%
GDOT
GREEN DOT CORP
$763.87M55,392,70551.08%48.92%Net SellingNet Selling
BFH
BREAD FINANCIAL HOLDINGS INC
$2.94B46,642,43016.78%83.22%Net SellingNet Buying
PYPL
PAYPAL HOLDINGS INC
$63.87B955,378,40575.67%7.67%Net SellingNet Selling
MA
MASTERCARD INC
$530.13B904,011,83780.85%19.15%Net SellingNet Selling
OMF
ONEMAIN HOLDINGS INC
$7.20B118,870,35240.94%59.06%Net SellingNet Selling
LX
LEXINFINTECH HOLDINGS LTD
$960.13M338,073,72321.37%0.00%
FCFS
FIRSTCASH HOLDINGS INC
$6.46B44,364,56679.95%20.05%Net SellingNet Selling
SYF
SYNCHRONY FINANCIAL
$27.73B372,057,54834.97%65.03%Net BuyingNet Selling
COF
CAPITAL ONE FINANCIAL CORP
$143.51B639,517,30687.46%1.61%Net SellingNet Selling
ALLY
ALLY FINANCIAL INC
$13.33B307,808,03192.80%1.53%Net BuyingNet Selling
QFIN
QIFU TECHNOLOGY INC
$3.82B264,857,72839.25%0.00%
V
VISA INC
$632.55B1,832,793,56081.95%0.15%Net SellingNet Selling
OBDC
BLUE OWL CAPITAL CORP
$7.00B511,048,23745.36%10.48%Net BuyingNet Buying
PMTS
CPI CARD GROUP INC
$166.51M11,281,48931.48%68.52%Net SellingNet Buying
JCAP
JEFFERSON CAPITAL INC
$1.06B58,266,30716.60%83.40%Net SellingNet Selling
UPST
UPSTART HOLDINGS INC
$6.46B96,217,74259.78%40.22%Net BuyingNet Selling
SEZL
SEZZLE INC
$3.02B34,023,46531.72%51.67%Net SellingNet Selling
YRD
YIREN DIGITAL LTD
$510.08M172,907,7931.35%0.00%
SOFI
SOFI TECHNOLOGIES INC
$32.83B1,197,450,10048.00%28.04%Net SellingNet Selling
LC
LENDINGCLUB CORP
$1.97B114,740,14721.71%78.29%Net SellingNet Selling
SUIG
SUI GROUP HOLDINGS LTD
$337.47M82,110,6480.16%1.28%Net Buying
ANTA
ANTALPHA PLATFORM HOLDING CO
$268.77M23,100,0000.36%0.00%
PRAA
PRA GROUP INC
$648.23M39,073,69792.65%7.35%Net SellingNet Selling
OCSL
OAKTREE SPECIALTY LENDING CORP
$1.17B88,085,52337.56%32.45%Net BuyingNet Buying
LPRO
OPEN LENDING CORP
$248.16M118,172,47756.84%43.16%Net SellingNet Selling
AXP
AMERICAN EXPRESS CO
$227.58B695,882,22785.59%0.99%Net BuyingNet Selling
LMFA
LM FUNDING AMERICA INC
$6.46M5,166,7455.91%94.09%Net Buying
WRLD
WORLD ACCEPTANCE CORP
$916.47M5,445,78823.30%76.70%Net SellingNet Selling
BBDC
BARINGS BDC INC
$961.15M105,158,93842.53%15.96%Net Buying
RWAY
RUNWAY GROWTH FINANCE CORP
$382.06M37,347,42840.37%59.63%Net SellingNet Selling
CACC
CREDIT ACCEPTANCE CORP
$5.63B11,237,66116.35%83.65%Net SellingNet Selling
GRAN
GRANDE GROUP LTD
$99.73M24,625,0000.00%0.00%
LU
LUFAX HOLDING LTD
$2.57B1,733,319,2045.74%0.00%
QD
QUDIAN INC
$674.99M162,649,1649.52%0.00%
FOA
FINANCE OF AMERICA COMPANIES INC
$271.77M11,079,2703.80%96.20%Net BuyingNet Buying
WU
WESTERN UNION CO
$2.65B322,967,28192.84%2.74%Net SellingNet Buying
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
$2.04B10,933,16272.40%7.51%Net SellingNet Selling
NCDL
NUVEEN CHURCHILL DIRECT LENDING CORP
$731.42M49,387,06528.50%14.14%Net BuyingNet Buying
NAVI
NAVIENT CORP
$1.29B99,431,03852.86%47.14%Net BuyingNet Selling
CHYM
CHIME FINANCIAL INC
$8.55B371,711,02753.08%26.92%Net SellingNet Selling
SLM
SLM CORP
$5.85B208,481,38094.59%5.41%Net SellingNet Selling
CRCL
CIRCLE INTERNET GROUP INC
$30.93B229,427,93133.78%19.61%Net SellingNet Selling
BLSH
BULLISH
N/A146,183,7390.00%0.00%
STKE
SOL STRATEGIES INC
N/A21,721,6040.20%0.00%
CPSS
CONSUMER PORTFOLIO SERVICES INC
$188.68M22,224,18627.75%72.25%Net Buying
PT
PINTEC TECHNOLOGY HOLDINGS LTD
$15.22M558,178,6180.10%0.00%
SNTG
SENTAGE HOLDINGS INC
$8.11M2,805,3251.23%0.00%
NISN
NISUN INTERNATIONAL ENTERPRISE DEVELOPMENT GROUP CO LTD
$15.66M4,538,3582.34%27.03%
BMHL
BLUEMOUNT HOLDINGS LTD
$94.50M25,000,0000.00%0.00%
AIHS
SENMIAO TECHNOLOGY LTD
$2.96M1,108,31220.99%0.00%
OMCC
OLD MARKET CAPITAL CORP
$35.15M6,753,62519.96%80.04%Net BuyingNet Buying

Credit Service Stocks FAQ

What are the best credit service stocks to buy right now in Sep 2025?

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:

1. Regional Management (NYSE:RM)


Regional Management (NYSE:RM) is the #1 top credit service stock out of 62 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 Regional Management (NYSE:RM) is: Value: B, Growth: B, Momentum: B, Sentiment: B, Safety: B, Financials: B, and AI: B.

Regional Management (NYSE:RM) has a Due Diligence Score of 42, which is 12 points higher than the credit service industry average of 30.

RM passed 14 out of 38 due diligence checks and has strong fundamentals. Regional Management has seen its stock return 35.82% over the past year, overperforming other credit service stocks by 11 percentage points.

Regional Management has an average 1 year price target of $30.00, a downside of -31.97% from Regional Management's current stock price of $44.10.

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

2. Oppfi (NYSE:OPFI)


Oppfi (NYSE:OPFI) is the #2 top credit service stock out of 62 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: B, Momentum: C, Sentiment: B, Safety: A, Financials: A, and AI: C.

Oppfi (NYSE:OPFI) has a Due Diligence Score of 22, which is -8 points lower than the credit service industry average of 30. 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 165.58% over the past year, overperforming other credit service stocks by 141 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 18.21% from Oppfi's current stock price of $11.42.

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.

3. Nelnet (NYSE:NNI)


Nelnet (NYSE:NNI) is the #3 top credit service stock out of 62 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 Nelnet (NYSE:NNI) is: Value: C, Growth: B, Momentum: B, Sentiment: B, Safety: C, Financials: C, and AI: B.

Nelnet (NYSE:NNI) has a Due Diligence Score of 35, which is 5 points higher than the credit service industry average of 30.

NNI passed 12 out of 38 due diligence checks and has average fundamentals. Nelnet has seen its stock return 8.74% over the past year, underperforming other credit service stocks by -16 percentage points.

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. X Financial (NYSE:XYF)


X Financial (NYSE:XYF) has an annual dividend yield of N/A, which is N/A percentage points lower than the credit service industry average of 4.35%. X Financial's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. X Financial's dividend has not shown consistent growth over the last 10 years.

X Financial's dividend payout ratio of 3.1% indicates that its dividend yield is sustainable for the long-term.

2. Runway Growth Finance (NASDAQ:RWAY)


Runway Growth Finance (NASDAQ:RWAY) has an annual dividend yield of 14.37%, which is 10 percentage points higher than the credit service industry average of 4.35%.

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

3. Oaktree Specialty Lending (NASDAQ:OCSL)


Oaktree Specialty Lending (NASDAQ:OCSL) has an annual dividend yield of 13.81%, which is 9 percentage points higher than the credit service industry average of 4.35%. 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 349.1% indicates that its high dividend yield might not be sustainable for the long-term.

Why are credit service stocks down?

Credit service stocks were down -0.27% in the last day, and down -0.63% 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 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:

1. Western Union Co (NYSE:WU)


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 8 points higher than the credit service industry average of 35. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -30.27% in the past year. It has underperformed other stocks in the credit service industry by -55 percentage points.

2. Cpi Card Group (NASDAQ:PMTS)


Cpi Card Group (NASDAQ:PMTS) 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.

Cpi Card Group has a valuation score of 57, which is 22 points higher than the credit service industry average of 35. It passed 4 out of 7 valuation due diligence checks.

Cpi Card Group's stock has dropped -42.77% in the past year. It has underperformed other stocks in the credit service industry by -67 percentage points.

3. Bread Financial Holdings (NYSE:BFH)


Bread Financial Holdings (NYSE:BFH) 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.

Bread Financial Holdings has a valuation score of 71, which is 36 points higher than the credit service industry average of 35. It passed 5 out of 7 valuation due diligence checks.

Bread Financial Holdings's stock has gained 27.77% in the past year. It has overperformed other stocks in the credit service industry by 3 percentage points.

Are credit service stocks a good buy now?

34.88% of credit service stocks rated by analysts are a strong buy right now. On average, analysts expect credit service stocks to rise by 11.68% over the next year.

12.73% of credit service stocks have a Zen Rating of A (Strong Buy), 21.82% of credit service stocks are rated B (Buy), 60% are rated C (Hold), 3.64% are rated D (Sell), and 1.82% are rated F (Strong Sell).

What is the average p/e ratio of the credit services industry?

The average P/E ratio of the credit services industry is 33.27x.
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.