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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)
QFIN
360 DIGITECH INC
China
$3.46B312,481,13527.36%0.00%
LX
LEXINFINTECH HOLDINGS LTD
China
$618.21M336,900,5448.17%0.00%
LPRO
OPEN LENDING CORP
United States
$1.25B126,300,30365.57%34.43%Net SellingNet Selling
HKD
AMTD DIGITAL INC
Singapore
$270.47M67,618,1420.00%0.00%
BFH
BREAD FINANCIAL HOLDINGS INC
United States
$2.13B49,853,06817.07%82.93%Net Selling
ATLC
ATLANTICUS HOLDINGS CORP
United States
$511.36M14,445,2954.78%95.22%Net BuyingNet Buying
AIHS
SENMIAO TECHNOLOGY LTD
China
$7.72M7,682,9080.65%0.00%
MA
MASTERCARD INC
United States
$359.50B961,459,77574.52%10.82%Net SellingNet Selling
MFIN
MEDALLION FINANCIAL CORP
United States
$204.52M22,927,83921.11%15.32%Net Buying
CPSS
CONSUMER PORTFOLIO SERVICES INC
United States
$236.89M20,438,98628.86%71.14%Net BuyingNet Buying
SYF
SYNCHRONY FINANCIAL
United States
$16.69B450,541,42837.90%62.10%Net SellingNet Selling
WU
WESTERN UNION CO
United States
$5.51B386,170,80897.80%1.84%Net SellingNet Selling
GDOT
GREEN DOT CORP
United States
$1.02B52,568,86458.93%41.07%Net SellingNet Selling
V
VISA INC
United States
$474.66B1,880,212,46882.05%0.14%Net SellingNet Selling
EZPW
EZCORP INC
United States
$519.78M55,651,01184.48%15.52%Net BuyingNet Buying
FCFS
FIRSTCASH HOLDINGS INC
United States
$4.15B46,318,06574.94%25.06%Net SellingNet Selling
ALLY
ALLY FINANCIAL INC
United States
$10.38B298,646,90090.35%1.09%Net BuyingNet Buying
OMF
ONEMAIN HOLDINGS INC
United States
$5.34B122,211,89639.61%60.39%Net SellingNet Selling
AGM
FEDERAL AGRICULTURAL MORTGAGE CORP
United States
$1.46B10,800,61767.88%7.44%Net SellingNet Selling
DFS
DISCOVER FINANCIAL SERVICES
United States
$32.51B273,225,76581.76%1.75%Net SellingNet Selling
NNI
NELNET INC
United States
$3.58B37,110,72933.39%64.07%Net SellingNet Selling
RM
REGIONAL MANAGEMENT CORP
United States
$362.73M9,585,78248.50%51.50%Net SellingNet Selling
PYPL
PAYPAL HOLDINGS INC
United States
$97.50B1,140,027,73272.14%6.36%Net SellingNet Selling
NAVI
NAVIENT CORP
United States
$2.57B135,614,17362.29%37.71%Net BuyingNet Buying
NRDS
NERDWALLET INC
United States
$944.04M74,333,91731.22%29.52%Net BuyingNet Selling
SLM
SLM CORP
United States
$3.79B250,196,83095.44%4.56%Net SellingNet Selling
IX
ORIX CORP
Japan
$21.72B1,258,277,0870.31%0.00%
ENVA
ENOVA INTERNATIONAL INC
United States
$1.68B31,459,92563.48%36.52%Net SellingNet Selling
LC
LENDINGCLUB CORP
United States
$1.06B105,088,69620.55%79.45%Net SellingNet Selling
CACC
CREDIT ACCEPTANCE CORP
United States
$6.82B12,924,71116.87%83.13%Net SellingNet Selling
SOS
SOS LTD
China
$66.71M5,115,481,7030.00%0.00%
AXP
AMERICAN EXPRESS CO
United States
$133.65B747,232,69683.36%0.93%Net BuyingNet Buying
NCPL
NETCAPITAL INC
United States
$5.74M4,312,77712.74%2.24%
COF
CAPITAL ONE FINANCIAL CORP
United States
$46.35B381,698,57288.31%2.54%Net SellingNet Selling
UPST
UPSTART HOLDINGS INC
United States
$1.81B81,877,35037.45%61.27%Net SellingNet Buying
LMFA
LM FUNDING AMERICA INC
United States
$9.11M13,091,8836.17%79.73%Net Buying
WRLD
WORLD ACCEPTANCE CORP
United States
$663.04M6,228,60928.43%71.57%Net SellingNet Selling
OCSL
OAKTREE SPECIALTY LENDING CORP
United States
$1.24B61,124,13973.21%26.79%Net BuyingNet Buying
BBDC
BARINGS BDC INC
United States
$967.52M108,831,83849.23%15.24%Net BuyingNet Buying
BTBT
BIT DIGITAL INC
United States
$131.10M82,451,6417.48%0.00%
SOFI
SOFI TECHNOLOGIES INC
United States
$6.92B927,938,29434.32%40.73%Net SellingNet Buying
LU
LUFAX HOLDING LTD
China
$6.82B1,144,218,44330.45%0.00%
ORCC
OWL ROCK CAPITAL CORP
United States
$5.22B393,823,01342.12%13.55%Net Buying
SNTG
SENTAGE HOLDINGS INC
China
$6.61M2,800,0001.95%0.00%
PRAA
PRA GROUP INC
United States
$1.61B38,976,91095.20%4.80%Net SellingNet Selling
MATH
METALPHA TECHNOLOGY HOLDING LTD
China
$20.06M23,598,3710.21%0.00%
OPRT
OPORTUN FINANCIAL CORP
United States
$253.92M33,192,70365.33%34.67%Net BuyingNet Buying
FINV
FINVOLUTION GROUP
China
$7.99B1,412,291,1883.40%0.00%
QD
QUDIAN INC
China
$308.97M245,215,66314.46%0.00%
PGY
PAGAYA TECHNOLOGIES LTD
Israel
$794.94M679,431,90121.77%0.00%
SNFCA
SECURITY NATIONAL FINANCIAL CORP
United States
$154.75M21,612,71833.06%30.98%Net BuyingNet Buying
SUNL
SUNLIGHT FINANCIAL HOLDINGS INC
United States
$182.34M129,318,40429.60%46.63%Net SellingNet Selling
GSBD
GOLDMAN SACHS BDC INC
United States
$1.63B102,778,44128.53%6.54%
DXF
DUNXIN FINANCIAL HOLDINGS LTD
China
$13.05M1,002,201,0160.01%0.43%
MGI
MONEYGRAM INTERNATIONAL INC
United States
$1.04B96,545,04123.41%76.59%Net SellingNet Selling
ELVT
ELEVATE CREDIT INC
United States
$55.62M31,246,53415.14%84.86%Net SellingNet Selling
RWAY
RUNWAY GROWTH FINANCE CORP
United States
$524.79M40,524,12354.14%45.86%Net BuyingNet Buying
XYF
X FINANCIAL
China
$211.16M321,742,2090.12%0.00%
AHG
AKSO HEALTH GROUP
China
$10.58M68,598,0500.72%0.00%
JT
JIANPU TECHNOLOGY INC
China
$41.69M424,297,8090.63%0.00%
PT
PINTEC TECHNOLOGY HOLDINGS LTD
China
$4.05M303,692,6940.04%0.00%
NICK
NICHOLAS FINANCIAL INC
United States
$87.88M12,700,00020.29%79.71%Net BuyingNet Buying
FOA
FINANCE OF AMERICA COMPANIES INC
United States
$108.30M62,962,57323.90%76.10%Net BuyingNet Selling
MEGL
MAGIC EMPIRE GLOBAL LTD
Hong Kong
$53.40M20,000,0000.51%0.00%
CURO
CURO GROUP HOLDINGS CORP
United States
$180.97M40,485,38120.35%79.65%Net SellingNet Buying
SHFS
SHF HOLDINGS INC
United States
$16.84M18,715,91214.23%85.77%Net Selling
YRD
YIREN DIGITAL LTD
China
$295.13M179,409,5250.71%0.00%

Credit Service Stocks FAQ

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

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

1. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the top credit service stock with a Zen Score of 59, which is 30 points higher than the credit service industry average of 29. It passed 23 out of 38 due diligence checks and has strong fundamentals. 360 Digitech has seen its stock return 18.34% over the past year, overperforming other credit service stocks by 31 percentage points.

360 Digitech has an average 1 year price target of $25.39, an upside of 14.73% from 360 Digitech's current stock price of $22.13.

360 Digitech stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering 360 Digitech, 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. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the second best credit service stock with a Zen Score of 58, which is 29 points higher than the credit service industry average of 29. It passed 18 out of 33 due diligence checks and has strong fundamentals. Lexinfintech Holdings has seen its stock return 12.23% over the past year, overperforming other credit service stocks by 25 percentage points.

Lexinfintech Holdings has an average 1 year price target of $9.15, an upside of 149.32% from Lexinfintech Holdings's current stock price of $3.67.

Lexinfintech Holdings stock has a consensus Hold recommendation according to Wall Street analysts. Of the 4 analysts covering Lexinfintech Holdings, 25% have issued a Strong Buy rating, 0% have issued a Buy, 50% have issued a hold, while 0% have issued a Sell rating, and 25% have issued a Strong Sell.

3. Open Lending (NASDAQ:LPRO)


Open Lending (NASDAQ:LPRO) is the third best credit service stock with a Zen Score of 53, which is 24 points higher than the credit service industry average of 29. It passed 18 out of 33 due diligence checks and has strong fundamentals. Open Lending has seen its stock lose -44.17% over the past year, underperforming other credit service stocks by -32 percentage points.

Open Lending has an average 1 year price target of $14.79, an upside of 49.81% from Open Lending's current stock price of $9.87.

Open Lending stock has a consensus Buy recommendation according to Wall Street analysts. Of the 7 analysts covering Open Lending, 28.57% have issued a Strong Buy rating, 28.57% have issued a Buy, 28.57% have issued a hold, while 0% have issued a Sell rating, and 14.29% 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. Lufax Holding (NYSE:LU)


Lufax Holding (NYSE:LU) has an annual dividend yield of 15.77%, which is 11 percentage points higher than the credit service industry average of 4.74%.

Lufax Holding's dividend payout ratio of 58.4% indicates that its high dividend yield is sustainable for the long-term.

2. Goldman Sachs Bdc (NYSE:GSBD)


Goldman Sachs Bdc (NYSE:GSBD) has an annual dividend yield of 11.36%, which is 7 percentage points higher than the credit service industry average of 4.74%. Goldman Sachs Bdc's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Goldman Sachs Bdc's dividend has not shown consistent growth over the last 10 years.

Goldman Sachs Bdc's dividend payout ratio of 204.5% indicates that its high dividend yield might not be sustainable for the long-term.

3. Barings Bdc (NYSE:BBDC)


Barings Bdc (NYSE:BBDC) has an annual dividend yield of 10.69%, which is 6 percentage points higher than the credit service industry average of 4.74%. 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 320.7% 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 -0.91% in the last day, and up 4.05% 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 57 points higher than the credit service industry average of 43. It passed 7 out of 7 valuation due diligence checks.

Atlanticus Holdings's stock has dropped -42.76% in the past year. It has underperformed other stocks in the credit service industry by -30 percentage points.

2. Lexinfintech Holdings (NASDAQ:LX)


Lexinfintech Holdings (NASDAQ:LX) is the second most undervalued credit service stock based on WallStreetZen's Valuation Score. Lexinfintech Holdings has a valuation score of 100, which is 57 points higher than the credit service industry average of 43. It passed 7 out of 7 valuation due diligence checks.

Lexinfintech Holdings's stock has gained 12.23% in the past year. It has overperformed other stocks in the credit service industry by 25 percentage points.

3. 360 Digitech (NASDAQ:QFIN)


360 Digitech (NASDAQ:QFIN) is the third most undervalued credit service stock based on WallStreetZen's Valuation Score. 360 Digitech has a valuation score of 100, which is 57 points higher than the credit service industry average of 43. It passed 7 out of 7 valuation due diligence checks.

360 Digitech's stock has gained 18.34% in the past year. It has overperformed other stocks in the credit service industry by 31 percentage points.

Are credit service stocks a good buy now?

32.73% of credit service stocks rated by analysts are a hold right now. On average, analysts expect credit service stocks to rise by 2.79% 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 29.3x.
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