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Credit Services industry stocks

The Credit Services industry has 53 US-listed companies on stockrow and is part of the Financial sector, with a combined market value of $1.92T. Visa Inc. (V) is the largest at $809.5B, followed by Mastercard Incorporated and American Express Company. The median Credit Services stock trades at 9.0× trailing earnings, below the market median of 17.9×, with a median net margin of 8.35% (market: 1.06%). Median revenue growth over the last twelve months is 4.49%. 21 of the 53 pay a dividend; the median yield among payers is 3.18%.

Credit Services medians

Metric Industry Market
P/E 9.0× 17.9×
P/S 1.0× 1.9×
P/B 1.2× 1.7×
Price to free cash flow 2.5× 14.1×
Earnings yield 7.17% 1.55%
Free cash flow yield 11.8% 0.93%
Gross margin 76.6% 45.1%
Operating margin 0.34% 0.00%
Net margin 8.35% 1.06%
Free cash flow margin 8.73% 0.00%
Return on equity 9.05% 0.51%
Return on assets 1.94% 0.00%
Return on invested capital 4.56% 0.00%
Revenue growth (TTM) 4.49% 7.58%
EPS growth (last fiscal year) 21.9% 14.0%
Revenue growth, 5-year CAGR 9.22% 8.99%
Net income growth, 5-year CAGR 0.00% 0.00%
Debt to equity 0.7× 0.1×
Current ratio 1.3× 1.6×
Net debt to EBITDA 0.1× 0.6×
Dividend yield 1.64% 2.20%
Payout ratio 0.2× 0.3×
Market cap $759.7M $676.4M

Today’s biggest moves

Up

ECPG
125.38 25.45 +25.47%
SEZL
153.35 16.66 +12.19%
WU
6.91 0.32 +4.86%
CACC
522.64 23.94 +4.80%
LU
8.65 0.14 +1.65%

Down

OPRT
11.62 1.39 −10.68%
AFRM
69.96 5.63 −7.45%
SOFI
16.14 1.24 −7.13%
WRLD
150.04 11.07 −6.87%
SLM
17.56 1.12 −6.00%

All 53 companies

Open in screener
Ticker Company Market cap Price 1D P/E Net margin Revenue growth Dividend yield
V Visa Inc. 809.54b 423.16 (3.07%) 32.72 51.20% 14.76% 0.63%
MA Mastercard Incorporated 571.42b 655.74 (2.52%) 34.24 46.73% 15.30% 0.53%
AXP American Express Company 217.91b 325.97 (1.99%) 18.32 14.14% 8.72% 1.13%
COF Capital One Financial Corporation 122.61b 204.91 (0.68%) 12.09 13.29% 25.42% 1.56%
PYPL PayPal Holdings, Inc. 48.98b 58.97 (2.04%) 11.16 13.78% 4.36% 0.95%
AFRM Affirm Holdings, Inc. 23.62b 69.96 (7.45%) 11.76 43.86% 32.69% —
SYF Synchrony Financial 23.07b 74.45 (0.77%) 7.69 13.97% 0.48% 1.72%
SOFI SoFi Technologies, Inc. 20.80b 16.14 (7.13%) 27.83 12.06% 37.62% —
ALLY Ally Financial Inc. 11.65b 38.89 (1.19%) 8.80 8.47% 4.45% 3.21%
FCFS FirstCash Holdings, Inc. 8.04b 188.15 (2.68%) 20.38 9.48% 22.93% 0.89%
KLAR Klarna Group plc 7.65b 13.54 (2.52%) — (3.52%) 34.19% —
OMF OneMain Holdings, Inc. 6.50b 56.97 (1.73%) 8.67 11.76% 7.88% 7.37%
CACC Credit Acceptance Corporation 5.30b 522.64 4.80% 16.67 14.39% 1.68% —
SEZL Sezzle Inc. 5.24b 153.35 12.19% 28.61 31.39% 38.93% —
NNI Nelnet, Inc. 4.54b 127.02 (0.44%) 16.82 0.00% (6.25%) 1.04%
ENVA Enova International, Inc. 4.26b 174.28 (3.81%) 11.33 10.47% 20.08% —
BFH Bread Financial Holdings, Inc. 3.89b 103.14 (1.61%) 7.99 10.99% 2.29% 0.89%
SLM SLM Corporation 3.20b 17.56 (6.00%) 6.27 19.12% (5.69%) 2.96%
ECPG Encore Capital Group Inc 2.68b 125.38 25.47% 7.75 17.67% 27.20% —
WU The Western Union Company 2.19b 6.91 4.86% 6.46 8.32% (2.12%) 13.60%
UPST Upstart Holdings, Inc. 2.19b 22.18 (5.13%) 38.16 4.82% 8.73% —
AGM Federal Agricultural Mortgage Corporation 2.09b 198.41 (3.49%) 10.79 11.62% 7.27% 3.18%
EZPW EZCORP, Inc. 1.76b 28.98 (1.83%) 11.23 9.99% 28.61% —
ATLC Atlanticus Holdings Corporation 1.46b 96.71 (3.05%) 6.80 7.33% 84.83% —
JCAP Jefferson Capital, Inc. 1.20b 20.74 0.48% 8.47 22.32% 26.35% —
NAVI Navient Holdings, Inc. 827.17m 8.87 (2.21%) — (1.67%) (21.43%) 7.22%
PRAA PRA Group, Inc. 768.78m 20.51 1.64% — (19.91%) 17.60% —
LU Lufax Holding Ltd. Sponsored ADR 723.63m 8.65 1.65% — (16.39%) (10.79%) 0.00%
GDOT Green Dot Corporation 708.89m 12.45 (2.43%) — (1.14%) 17.73% —
WRLD World Acceptance Corporation 673.11m 150.04 (6.87%) 13.94 8.35% 4.53% —
QFIN Qfin Holdings Inc. - Sponsored ADR 665.63m 5.44 (1.27%) 1.28 22.49% (4.44%) 22.79%
OPFI OppFi Inc. 534.26m 6.26 (1.73%) 2.72 26.88% (6.55%) 0.00%
OPRT Oportun Financial Corporation 533.45m 11.62 (10.68%) 15.29 3.89% (0.40%) —
FINV PPDAI Group Inc. Sponsored ADR 376.86m 2.90 (4.61%) 2.59 14.61% 1.76% 10.55%
RM Regional Management Corp. 336.60m 37.56 (4.91%) 7.18 6.96% 8.41% 3.19%
PMTS CPI Card Group Inc. 286.32m 24.48 (13.31%) 17.12 2.71% 17.87% —
MFIN Medallion Financial Corp. 223.70m 10.03 (3.28%) 8.57 7.53% 5.97% 5.18%
FOA Finance of America Companies Inc. 222.05m 12.99 8.34% — (0.10%) (42.27%) —
CPSS Consumer Portfolio Services, Inc. 215.88m 9.95 (1.87%) 9.13 4.99% 10.38% —
TROO TROOPS, Inc. 212.56m 1.75 (3.31%) — (115.89%) (23.02%) —
HTT High Templar Tech Limited - Sponsored ADR 161.22m 1.74 (2.25%) 2.90 1,729.90% (80.24%) —
XYF X Financial Sponsored ADR 107.25m 4.67 (5.85%) 2.17 10.30% (20.10%) 11.99%
LX LexinFintech Holdings Ltd. Sponsored ADR 83.69m 0.63 (10.00%) 0.72 8.06% (1.19%) 29.84%
SUIG Sui Group Holdings Limited 70.99m 0.92 (13.21%) — (11,373.56%) (5.33%) —
ANTA Antalpha Platform Holding Company 39.47m 1.65 (3.51%) 2.78 15.19% 43.87% —
JFIN Jiayin Group Inc. Sponsored ADR 37.99m 1.47 (5.16%) 1.92 6.13% (32.97%) 0.00%
VRM Vroom, Inc. 34.91m 6.67 (4.71%) — (33.10%) (7.49%) —
YRD Yirendai Ltd. 31.65m 0.36 (7.69%) — (33.54%) (24.50%) 0.00%
JF J and Friends Holdings Limited - Sponsored ADR 15.67m 0.93 (2.11%) — (132.54%) (79.50%) —
AIJTY Jianpu Technology Inc. 12.76m 0.47 6.82% — (2.50%) 4.97% 0.00%
CUROQ CURO Group Holdings Corp. 5.86m 0.04 0.00% — (77.04%) (14.18%) —
SNTG Sentage Holdings Inc. 4.43m 1.58 (1.25%) — (468.43%) — —
DXF Eason Technology Limited - Sponsored ADR 730.00k 0.23 (8.00%) — (502.01%) (85.88%) —

Updated 5 November 2026