Sectors & IndustriesFinancial Services

Best Financial Stocks to Buy Now (2025)

Top financial stocks in 2025 ranked by overall Due Diligence Score. See the best financial stocks to buy now, according to analyst forecasts for the financial services sector.

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 financial service stocks to buy right now are:

Oppfi (NYSE:OPFI) is the #1 top financial stock out of 724 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 -11 points lower than the financial sector average of 33. Although this number is below the industry average, our proven quant model rates OPFI as a "A".It passed 9 out of 38 due diligence checks and has weak fundamentals. Oppfi has seen its stock return 241.78% over the past year, overperforming other financial stocks by 223 percentage points.

Oppfi has an average 1 year price target of $13.50, an upside of 10.02% from Oppfi's current stock price of $12.27.

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.

Bitcoin Depot (NASDAQ:BTM) is the #2 top financial stock out of 724 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 Bitcoin Depot (NASDAQ:BTM) is: Value: C, Growth: A, Momentum: A, Sentiment: B, Safety: D, Financials: A, and AI: C.

Bitcoin Depot (NASDAQ:BTM) has a Due Diligence Score of 13, which is -20 points lower than the financial sector average of 33. Although this number is below the industry average, our proven quant model rates BTM as a "A".It passed 4 out of 33 due diligence checks and has weak fundamentals. Bitcoin Depot has seen its stock return 245.63% over the past year, overperforming other financial stocks by 227 percentage points.

Bitcoin Depot has an average 1 year price target of $4.75, a downside of -14.1% from Bitcoin Depot's current stock price of $5.53.

Bitcoin Depot stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Bitcoin Depot, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a Hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Heritage Insurance Holdings (NYSE:HRTG) is the #3 top financial stock out of 724 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 Heritage Insurance Holdings (NYSE:HRTG) is: Value: A, Growth: B, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: C.

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 40, which is 7 points higher than the financial sector average of 33. It passed 16 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 207.29% over the past year, overperforming other financial stocks by 189 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 37.57% from Heritage Insurance Holdings's current stock price of $21.08.

Heritage Insurance Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Heritage Insurance Holdings, 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.

Out of 474 financial stocks that have issued dividends in the past year, the 3 financial stocks with the highest dividend yields are:

Noah Holdings (NYSE:NOAH) has an annual dividend yield of N/A, which is N/A percentage points lower than the financial sector average of 3.28%. Noah Holdings's dividend payout is stable, having never dropped by more than 10% in the last 10 years. Noah Holdings's dividend has shown consistent growth over the last 10 years.

Portman Ridge Finance (NASDAQ:PTMN) has an annual dividend yield of 18.75%, which is 15 percentage points higher than the financial sector average of 3.28%. Portman Ridge Finance's dividend payout is not stable, having dropped more than 10% six times in the last 10 years. Portman Ridge Finance's dividend has shown consistent growth over the last 10 years.

Portman Ridge Finance's dividend payout ratio of -231% indicates that its high dividend yield might not be sustainable for the long-term.

Prospect Capital (NASDAQ:PSEC) has an annual dividend yield of 17.91%, which is 15 percentage points higher than the financial sector average of 3.28%. Prospect Capital's dividend payout is not stable, having dropped more than 10% two times in the last 10 years. Prospect Capital's dividend has not shown consistent growth over the last 10 years.

Prospect Capital's dividend payout ratio of -73.3% indicates that its high dividend yield might not be sustainable for the long-term.

Financial stocks were down -1.16% in the last day, and down -0.46% over the last week. Civista Bancshares was the among the top losers in the financial services sector, dropping -13.66% yesterday.

Civista Bancshares shares are trading lower after the company announced a $70 million public offering.

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 financial stocks right now are:

Brighthouse Financial (NASDAQ:BHF) is the most undervalued financial stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Brighthouse Financial has a valuation score of 71, which is 32 points higher than the financial sector average of 39. It passed 5 out of 7 valuation due diligence checks.

Brighthouse Financial's stock has gained 2.48% in the past year. It has underperformed other stocks in the financial sector by -16 percentage points.

Western Union Co (NYSE:WU) is the second most undervalued financial 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 4 points higher than the financial sector average of 39. It passed 3 out of 7 valuation due diligence checks.

Western Union Co's stock has dropped -33.25% in the past year. It has underperformed other stocks in the financial sector by -52 percentage points.

Civista Bancshares (NASDAQ:CIVB) is the third most undervalued financial stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Civista Bancshares has a valuation score of 100, which is 61 points higher than the financial sector average of 39. It passed 7 out of 7 valuation due diligence checks.

Civista Bancshares's stock has gained 38.35% in the past year. It has overperformed other stocks in the financial sector by 20 percentage points.

39.05% of financial stocks rated by analysts are a buy right now. On average, analysts expect financial stocks to rise by 8.22% over the next year.

2.7% of financial stocks have a Zen Rating of A (Strong Buy), 7% of financial stocks are rated B (Buy), 66.77% are rated C (Hold), 18.6% are rated D (Sell), and 4.93% are rated F (Strong Sell).