Credit Services industry stocks

The Credit Services industry has 55 US-listed companies on stockrow and is part of the Financial sector, with a combined market value of $1.82T. Visa Inc. (V) is the largest at $746.4B, followed by Mastercard Incorporated and American Express Company. The median Credit Services stock trades at 9.4× trailing earnings, below the market median of 18.1×, with a median net margin of 9.25% (market: 0.45%). Median revenue growth over the last twelve months is 4.62%. 21 of the 55 pay a dividend; the median yield among payers is 3.09%.

Credit Services medians

Metric Industry Market
P/E 9.4× 18.1×
P/S 0.9× 1.9×
P/B 1.2× 1.7×
Price to free cash flow 2.8× 14.2×
Earnings yield 6.55% 1.20%
Free cash flow yield 12.3% 0.27%
Gross margin 77.1% 46.2%
Operating margin 0.34% 0.00%
Net margin 9.25% 0.45%
Free cash flow margin 12.9% 0.00%
Return on equity 8.49% 1.35%
Return on assets 2.16% 0.00%
Return on invested capital 4.09% 0.00%
Revenue growth (TTM) 4.62% 7.41%
EPS growth (last fiscal year) 21.9% 13.7%
Revenue growth, 5-year CAGR 9.13% 8.93%
Net income growth, 5-year CAGR 0.00% 0.00%
Debt to equity 0.7× 0.1×
Current ratio 1.5× 1.6×
Net debt to EBITDA 0.1× 0.6×
Dividend yield 1.64% 2.26%
Payout ratio 0.2× 0.3×
Market cap $751.1M $584.7M

Today’s biggest moves

Up

201.74 2.88 +1.45%
102.56 1.25 +1.23%
402.61 2.88 +0.72%
55.95 0.16 +0.29%
177.89 0.37 +0.21%

Down

23.56 1.19 −4.81%
13.02 0.49 −3.63%
14.55 0.54 −3.58%
127.65 4.73 −3.57%
9.28 0.28 −2.93%

All 55 companies

Open in screener
Ticker Company Market cap Price 1D P/E Net margin Revenue growth Dividend yield
V Visa Inc. 746.35b 402.61 0.72% 32.97 50.78% 14.39% 0.67%
MA Mastercard Incorporated 539.90b 617.42 0.18% 33.91 46.34% 16.01% 0.56%
AXP American Express Company 211.96b 313.59 (0.09%) 19.01 13.45% 9.38% 1.17%
COF Capital One Financial Corporation 122.00b 201.74 1.45% 12.48 12.98% 37.26% 1.59%
PYPL PayPal Holdings, Inc. 48.90b 56.70 (0.80%) 10.64 14.36% 5.69% 0.99%
AFRM Affirm Holdings, Inc. 25.62b 74.01 (2.52%) 12.96 45.29% 32.15% —
SYF Synchrony Financial 24.09b 73.68 (0.49%) 7.47 14.82% 0.13% 1.68%
SOFI SoFi Technologies, Inc. 19.49b 14.55 (3.58%) 28.53 11.39% 34.08% —
ALLY Ally Financial Inc. 11.48b 37.68 (0.13%) 8.78 8.38% 1.83% 3.18%
FCFS FirstCash Holdings, Inc. 9.40b 215.29 (0.66%) 24.58 9.42% 21.61% 0.78%
OMF OneMain Holdings, Inc. 6.42b 55.95 0.29% 8.43 12.26% 7.04% 7.51%
CACC Credit Acceptance Corporation 5.71b 545.29 (1.13%) 11.75 21.54% 2.58% —
KLAR Klarna Group plc 5.10b 13.02 (3.63%) 0.00 (3.52%) 34.19% —
NNI Nelnet, Inc. 4.58b 127.57 (0.35%) 15.26 14.35% (6.25%) 1.03%
SEZL Sezzle Inc. 4.47b 127.65 (3.57%) 27.04 30.35% 43.06% —
ENVA Enova International, Inc. 4.42b 177.89 0.21% 12.45 10.31% 17.65% —
SLM SLM Corporation 4.18b 21.81 (1.85%) 6.01 23.48% 5.37% 2.38%
BFH Bread Financial Holdings, Inc. 3.89b 102.56 1.23% 7.91 11.87% 0.72% 0.90%
UPST Upstart Holdings, Inc. 2.41b 23.56 (4.81%) 38.00 4.84% 46.30% —
ECPG Encore Capital Group Inc 2.18b 101.68 (0.90%) 7.48 15.86% 29.55% —
AGM Federal Agricultural Mortgage Corporation 2.17b 203.97 (1.09%) 11.09 11.62% 7.27% 3.09%
EZPW EZCORP, Inc. 2.04b 33.00 (0.39%) 12.79 9.99% 28.61% —
WU The Western Union Company 1.94b 6.19 (0.64%) 4.95 9.79% (1.63%) 15.19%
ATLC Atlanticus Holdings Corporation 1.42b 92.04 (1.60%) 9.58 5.46% 83.72% —
JCAP Jefferson Capital, Inc. 1.19b 20.53 (1.01%) 8.38 20.06% 26.35% —
NAVI Navient Corporation 896.58m 9.28 (2.93%) 0.00 (1.67%) (21.43%) 6.90%
WRLD World Acceptance Corporation 803.80m 171.66 (0.41%) 20.29 6.61% 4.26% —
PRAA PRA Group, Inc. 751.08m 19.39 (2.81%) 0.00 (19.91%) 17.60% —
LU Lufax Holding Ltd. Sponsored ADR 740.85m 0.87 (1.14%) 0.00 (13.30%) (22.46%) 0.00%
QFIN Qfin Holdings Inc. - Sponsored ADR 709.52m 5.67 (2.58%) 1.34 22.49% (4.44%) 21.87%
GDOT Green Dot Corporation 698.64m 12.20 (0.49%) 0.00 (1.14%) 17.73% —
OPFI OppFi Inc. 491.65m 5.64 (2.25%) 1.67 27.98% 0.15% 0.00%
OPRT Oportun Financial Corporation 423.54m 9.08 (1.41%) 22.70 2.05% (2.34%) —
FINV PPDAI Group Inc. Sponsored ADR 410.64m 3.12 (1.27%) 2.79 14.61% 1.76% 9.81%
RM Regional Management Corp. 318.02m 34.37 (0.29%) 6.77 6.98% 9.63% 3.49%
PMTS CPI Card Group Inc. 297.91m 24.82 (3.42%) 20.68 2.34% 16.91% —
FOA Finance of America Companies Inc. 279.10m 11.02 0.27% 0.00 (0.10%) (42.27%) —
MFIN Medallion Financial Corp. 256.92m 11.19 0.00% 7.99 9.25% 5.59% 4.65%
CPSS Consumer Portfolio Services, Inc. 200.87m 9.11 (0.65%) 9.20 4.79% 6.87% —
HTT High Templar Tech Limited - Sponsored ADR 199.43m 2.08 (2.80%) 3.47 1,729.90% (80.24%) —
TROO TROOPS, Inc. 196.68m 1.65 2.48% 0.00 (115.89%) (23.02%) —
XYF X Financial Sponsored ADR 116.84m 4.99 (2.54%) 2.25 10.30% (20.10%) 11.22%
SUIG Sui Group Holdings Limited 104.45m 1.34 (1.47%) 0.00 (11,373.56%) (5.33%) —
LX LexinFintech Holdings Ltd. Sponsored ADR 90.69m 0.64 (5.88%) 0.73 8.06% (1.19%) 29.38%
YRD Yirendai Ltd. 67.69m 0.75 (3.85%) 0.00 (33.54%) (24.50%) 0.00%
WEI Weidai Ltd. Sponsored ADR 67.64m 0.96 0.00% 0.00 (29.49%) (26.60%) —
ANTA Antalpha Platform Holding Company 55.90m 2.28 (2.15%) 3.84 15.19% 43.87% —
VRM Vroom, Inc. 46.25m 8.93 1.02% 0.00 (33.10%) (7.49%) —
JFIN Jiayin Group Inc. Sponsored ADR 30.90m 1.28 4.92% 1.67 6.13% (32.97%) 0.00%
OMCC Old Market Capital Corporation 24.38m 3.80 (0.52%) 0.00 (22.01%) (52.84%) —
JF J and Friends Holdings Limited - Sponsored ADR 16.01m 0.93 (1.06%) 0.00 (132.54%) (79.50%) —
AIJTY Jianpu Technology Inc. 12.76m 1.01 0.00% 0.00 (2.50%) 4.97% 0.00%
CUROQ CURO Group Holdings Corp. 5.86m 0.04 0.00% 0.00 (77.04%) (14.18%) —
SNTG Sentage Holdings Inc. 4.85m 1.74 0.58% 0.00 (468.43%) — —
DXF Eason Technology Limited - Sponsored ADR 1.45m 0.39 (13.33%) 0.00 (502.01%) (85.88%) —

Updated 17 October 2026