3 Credit Service Stocks You Should Consider for Your Portfolio

Credit services might not be the flashiest industry out there. But several stocks in this niche are killing it. 

And we’ve located some of the top picks according to our Zen Ratings system. 

It reviews 115 carefully considered factors to determine which stocks are worth your consideration, and assigns them a rating from A to F. A-rated stocks are the top five percent of stocks we cover, with an average annual return of +32.52%.

A Zen Rating for an industry consists of the average of companies in that industry.

Currently, the Credit Services has an industry rating of A. Going for the cream of the crop in a top-rated industry, here are 3 A-rated stocks we’re watching: 

1. Oppfi (NYSE: OPFI)

We’ve featured OPFI as a stock to watch before. It’s back on our radar.

Oppfi works in the digital lending space — specifically, with people who are underbanked, often in rural areas, or people who might not easily get loans otherwise. It has experienced a resurgence recently, with EPS growth expected, and some changes are being made to ensure the company is better prepared for long-term operations.

As an investment, it has strong Component Grades for Growth, Financials, Safety, Momentum, and Sentiment (see below). This indicates several things, but primarily that it is a company that is in a solid and safe financial position, with fewer risks associated with it according to our system than most stocks.

2. Enova International Inc (NYSE: ENVA)

A provider of short-term loans and credit accounts (among other things), ENVA primarily operates in the US and UK. It is a leader and forerunner in the online lending space, a market likely to continue growing in the coming years.

While its Component Grades do not stand out as much as our other two selections today, there are a few things to point out:

• It has an AI Component Grade of B, meaning our system has found trends in the stock price that indicate potential future growth.
• It has surged in the last 3 months, with the share price rising +23.55% over the last three months.
• Even before then, we pointed it out as a possibly underconsidered stock.

3. Finvolution Group (NYSE: FINV)

Operating mostly in the Chinese market (though also in other international markets), FINV provides underserved borrowers with an option to borrow and a platform to receive credit services. With more than 110 million registered users as of 2020, FINV maintains a sizable presence in the industry.

For Component Grades, FINV receives high marks for Safety, Value, Momentum, and Financials. There are excellent signs currently stemming from recent price movements (the stock has risen +94.86% in the last year), and the stock is also amongst the safest we cover according to our Zen Ratings system.

The above three are great considerations, but also know that there are other Credit Services stocks with an A rating. Specifically, there are seven of them.

The above are great options to consider, but you’re going to want to do more research on your own and get more context. For this, WallStreetZen Premium is great. With it, you’ll have access to an unlimited watchlist, premium stock ideas pages, and all of the fundamental information you need to make the best decisions for your portfolio.

If you’re looking for a more guided approach and more direct stock picks, Zen Investor is for you. With it, you’ll get access to recommendations and analysis from our own Steve Reitmeister, who has more than 40 years of investing experience. It’s an excellent option for new or busy investors.

Learn how to find the best stocks in the best industries here.

What to Do Next?

• 9 Special Stock Lists You Need Now >
• See All “A” Rated Stocks with +32.52% Average Annual Return >
• 2 New Stocks to Buy from Steve Reitmeister >

Want to get in touch? Email us at news@wallstreetzen.com.