Best Credit Services Stocks in the United States for 2026
Top-ranked Credit Services stocks in United States. Payment networks like Visa and Mastercard earn high ROIC and screen well on Quality; consumer-finance issuers look cheaper on Valuation with loss reserves as the floor.
Credit Services covers payment networks, card issuers, and the consumer-finance specialists. Network operators (Visa, Mastercard, the global incumbents) earn unusually high ROIC and screen well on Quality; consumer-lender issuers screen better on Valuation with the Health pillar (credit-loss reserves) as the safety floor.
Data as of (updated daily)
Top 20 Credit Services stocks in United States by composite score
| # | Ticker | Name | Composite |
|---|---|---|---|
| 1 | QFIN.US | 360 Finance Inc | 68.7 |
| 2 | SEZL.US | Sezzle Inc. | 67.5 |
| 3 | FINV.US | FinVolution Group | 67.0 |
| 4 | SYF.US | Synchrony Financial | 66.2 |
| 5 | MFIN.US | Medallion Financial Corp | 66.0 |
| 6 | JCAP.US | Jefferson Capital, Inc. Common Stock | 65.3 |
| 7 | XYF.US | X Financial Class A | 64.3 |
| 8 | COF.US | Capital One Financial Corporation | 63.3 |
| 9 | MA.US | Mastercard Inc | 63.0 |
| 10 | AFRM.US | Affirm Holdings Inc | 62.8 |
| 11 | OPFI.US | OppFi Inc | 62.7 |
| 12 | BFH.US | Bread Financial Holdings, Inc. | 62.5 |
| 13 | RM.US | Regional Management Corp | 61.1 |
| 14 | V.US | Visa Inc. Class A | 60.0 |
| 15 | ATLC.US | Atlanticus Holdings Corporation | 58.0 |
| 16 | SLM.US | SLM Corp | 57.3 |
| 17 | OMF.US | OneMain Holdings Inc | 56.5 |
| 18 | CPSS.US | Consumer Portfolio Services Inc | 56.0 |
| 19 | ECPG.US | Encore Capital Group Inc | 55.5 |
| 20 | WU.US | Western Union Co | 53.4 |
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Methodology: How we score stocks. Data refreshed nightly around 03:30 ET. This page lists the top 20 by composite score within the Credit Services industry, the United States. Use the screener for the full ranked list.