# Credit Services — Industry Hub

> Quantitative analysis from TrendMatrix. Data for informational use only — not investment advice.

Credit Services companies extend credit cards and installment loans to consumers, earning revenue through interest income and membership or transaction fees. Profitability hinges directly on interest rate policies set by the Federal Reserve, consumer unemployment and delinquency trends, competitive pricing, and regulatory capital requirements. TrendMatrix ranks 28 US-listed Credit Services stocks by 10-dimension quantitative score, refreshed every 5 minutes during market hours with a full reanalysis nightly.

- **Parent sector:** Financial Services
- **Stocks tracked:** 28 (primer N: 28)
- **Sentiment:** 4 bullish · 7 neutral · 17 bearish · avg score 5.85
- **Last updated:** 2026-04-25T16:28:11+00:00

## Ranked Stocks

| # | Symbol | Name | Verdict | Score | Price | Upside |
|---|---|---|---|---|---|---|
| 1 | [SEZL](https://trendmatrix.com/stocks/SEZL) | Sezzle Inc. | STRONG_BUY_WAIT | 6.7 | $78.29 | +10.7% |
| 2 | [ENVA](https://trendmatrix.com/stocks/ENVA) | Enova International, Inc. | STRONG_BUY_WAIT | 6.5 | $169.38 | +20.4% |
| 3 | [OMF](https://trendmatrix.com/stocks/OMF) | OneMain Holdings, Inc. | STRONG_BUY_WAIT | 6.5 | $58.47 | +11.2% |
| 4 | [V](https://trendmatrix.com/stocks/V) | Visa Inc. | STRONG_BUY_WAIT | 6.2 | $330.57 | +12.7% |
| 5 | [BFH](https://trendmatrix.com/stocks/BFH) | Bread Financial Holdings, Inc. | HOLD_IF_HOLDING | 6.4 | $85.34 | +11.0% |
| 6 | [ALLY](https://trendmatrix.com/stocks/ALLY) | Ally Financial Inc. | HOLD_IF_HOLDING | 6.3 | $44.19 | +10.0% |
| 7 | [FCFS](https://trendmatrix.com/stocks/FCFS) | FirstCash Holdings, Inc. | HOLD_IF_HOLDING | 6.1 | $218.56 | +1.9% |
| 8 | [EZPW](https://trendmatrix.com/stocks/EZPW) | EZCORP, Inc. | HOLD_IF_HOLDING | 6.0 | $32.52 | +22.1% |
| 9 | [SOFI](https://trendmatrix.com/stocks/SOFI) | SoFi Technologies, Inc. | HOLD_IF_HOLDING | 6.0 | $16.11 | +30.5% |
| 10 | [PYPL](https://trendmatrix.com/stocks/PYPL) | PayPal Holdings, Inc. | HOLD_IF_HOLDING | 5.7 | $49.93 | +2.6% |
| 11 | [SYF](https://trendmatrix.com/stocks/SYF) | Synchrony Financial | HOLD_IF_HOLDING | 5.7 | $76.07 | +5.9% |
| 12 | [JCAP](https://trendmatrix.com/stocks/JCAP) | Jefferson Capital, Inc. | SELL_IF_HOLDING | 7.1 | $20.67 | +10.3% |
| 13 | [MA](https://trendmatrix.com/stocks/MA) | Mastercard Incorporated | SELL_IF_HOLDING | 6.4 | $502.98 | +19.4% |
| 14 | [ECPG](https://trendmatrix.com/stocks/ECPG) | Encore Capital Group Inc | SELL_IF_HOLDING | 6.3 | $82.52 | +1.4% |
| 15 | [AFRM](https://trendmatrix.com/stocks/AFRM) | Affirm Holdings, Inc. | SELL_IF_HOLDING | 6.0 | $63.04 | +12.7% |
| 16 | [CACC](https://trendmatrix.com/stocks/CACC) | Credit Acceptance Corporation | SELL_IF_HOLDING | 5.9 | $501.01 | +6.2% |
| 17 | [AXP](https://trendmatrix.com/stocks/AXP) | American Express Company | SELL_IF_HOLDING | 5.8 | $320.75 | +1.6% |
| 18 | [UPST](https://trendmatrix.com/stocks/UPST) | Upstart Holdings, Inc. | SELL_IF_HOLDING | 5.8 | $30.77 | +28.3% |
| 19 | [SLM](https://trendmatrix.com/stocks/SLM) | SLM Corporation | SELL_IF_HOLDING | 5.6 | $23.12 | +8.6% |
| 20 | [AGM-A](https://trendmatrix.com/stocks/AGM-A) | Federal Agricultural Mortgage C | SELL_IF_HOLDING | 5.5 | $134.50 | -1.6% |
| 21 | [QFIN](https://trendmatrix.com/stocks/QFIN) | Qfin Holdings, Inc. | SELL_IF_HOLDING | 5.5 | $12.92 | +58.1% |
| 22 | [FINV](https://trendmatrix.com/stocks/FINV) | FinVolution Group | SELL_IF_HOLDING | 5.4 | $4.96 | +34.7% |
| 23 | [COF](https://trendmatrix.com/stocks/COF) | Capital One Financial Corporati | SELL_IF_HOLDING | 5.2 | $191.17 | +20.4% |
| 24 | [NNI](https://trendmatrix.com/stocks/NNI) | Nelnet, Inc. | SELL_IF_HOLDING | 5.2 | $142.84 | -0.9% |
| 25 | [LU](https://trendmatrix.com/stocks/LU) | Lufax Holding Ltd | SELL_IF_HOLDING | 5.1 | $1.93 | +20.5% |
| 26 | [SLMBP](https://trendmatrix.com/stocks/SLMBP) | SLM Corporation - Floating Rate | SELL_IF_HOLDING | 5.1 | $74.93 | -1.9% |
| 27 | [AGM](https://trendmatrix.com/stocks/AGM) | Federal Agricultural Mortgage C | SELL_IF_HOLDING | 5.0 | $173.41 | +5.5% |
| 28 | [WU](https://trendmatrix.com/stocks/WU) | Western Union Company (The) | SELL_IF_HOLDING | 4.7 | $9.04 | +4.3% |

## Recent 8-K Events (last 30 days)

- **AGM-A** [Item 5.02] (2026-04-21): Farmer Mac appointed Mandy M. Talan (Managing Director, Corporate Controller) as principal accounting officer effective April 21, 2026. No disagreement cited.
- **AGM** [Item 5.02] (2026-04-21): Farmer Mac appointed Mandy M. Talan (Managing Director, Corporate Controller) as principal accounting officer effective April 21, 2026. No disagreement cited.
- **SEZL** [Item 5.02] (2026-04-09): Director Karen Webster resigned April 3, 2026, citing a growing difference in perspective with management on company direction, key decisions, and governance. Bryan Hunt appointed to fill the vacancy on April 9, 2026.
- **NNI** [Item 1.02] (2026-04-02): Nelnet entered a new $435M unsecured credit agreement on March 31, 2026 (maturing March 31, 2031), replacing the prior credit arrangement. Proceeds for general corporate purposes; no reason cited for the refinancing.

## Cross-Company Themes

- **Private Education Loans** — 2 companies (SLM, SLMBP)
- **online deposit products** — 2 companies (SLM, SLMBP)
- **three AgVantage institutions** — 2 companies (AGM-A, AGM)
- **top-10 Agricultural Finance institutions** — 2 companies (AGM-A, AGM)
- **two Infrastructure Finance institutions** — 2 companies (AGM-A, AGM)

## Related Industries

- [Insurance - Property & Casualty](https://trendmatrix.com/industries/insurance-property-and-casualty) — 29 stocks
- [Banks - Diversified](https://trendmatrix.com/industries/banks-diversified) — 19 stocks
- [Capital Markets](https://trendmatrix.com/industries/capital-markets) — 39 stocks
- [Insurance - Life](https://trendmatrix.com/industries/insurance-life) — 15 stocks
- [Insurance - Diversified](https://trendmatrix.com/industries/insurance-diversified) — 12 stocks

## Canonical Links

- HTML: https://trendmatrix.com/industries/credit-services
- JSON: https://trendmatrix.com/api/industries/credit-services/rollup
- Markdown: https://trendmatrix.com/industries/credit-services.md