Credit Services industry stocks
52 companies in the Credit Services industry. 30 have a published intrinsic value and 18 trade at least 20% below it.
The median company in Credit Services with a published value trades 39% below our estimate of intrinsic value.
Values as of the 22 Sept 2026 close.
Most undervalued stocks in Credit Services
- Federal Agricultural Mortgage Corp (AGM): undervalued, +78% margin of safety
- Western Union Company (WU): undervalued, +77% margin of safety
- SLM Corp (SLM): undervalued, +76% margin of safety
- OneMain Holdings Inc (OMF): undervalued, +75% margin of safety
- Enova International Inc (ENVA): undervalued, +70% margin of safety
- Encore Capital Group Inc (ECPG): undervalued, +70% margin of safety
- Oportun Financial Corp (OPRT): undervalued, +63% margin of safety
- Green Dot Corp (GDOT): undervalued, +62% margin of safety
- PayPal Holdings Inc (PYPL): undervalued, +51% margin of safety
- Nelnet Inc (NNI): undervalued, +50% margin of safety
Liquid names only: at least $1M traded a day and $50M of market value.
Largest companies in Credit Services
- Visa Inc (V): overvalued, -45% margin of safety
- Mastercard Incorporated (MA): overvalued, -23% margin of safety
- American Express Co (AXP): overvalued, -88% margin of safety
- Capital One Financial Corp (COF): slightly overvalued, -15% margin of safety
- PayPal Holdings Inc (PYPL): undervalued, +51% margin of safety
- Affirm Holdings Inc (AFRM): fairly valued, -3% margin of safety
- Synchrony Financial (SYF): undervalued, +34% margin of safety
- SoFi Technologies Inc (SOFI): undervalued, +40% margin of safety
- Ally Financial Inc (ALLY): slightly undervalued, +15% margin of safety
- FirstCash Holdings Inc (FCFS): slightly undervalued, +15% margin of safety
- OneMain Holdings Inc (OMF): undervalued, +75% margin of safety
- Credit Acceptance Corp (CACC): undervalued, +49% margin of safety
- Klarna Group plc (KLAR): not valued
- SLM Corp (SLM): undervalued, +76% margin of safety
- Nelnet Inc (NNI): undervalued, +50% margin of safety
- Enova International Inc (ENVA): undervalued, +70% margin of safety
- Bread Financial Holdings Inc (BFH): not valued
- Sezzle Inc (SEZL): undervalued, +27% margin of safety
- Upstart Holdings Inc (UPST): overvalued, -135% margin of safety
- Federal Agricultural Mortgage Corp (AGM): undervalued, +78% margin of safety
- Encore Capital Group Inc (ECPG): undervalued, +70% margin of safety
- Western Union Company (WU): undervalued, +77% margin of safety
- EZCorp Inc (EZPW): undervalued, +37% margin of safety
- Atlanticus Holdings Corp (ATLC): undervalued, +50% margin of safety
- Jefferson Capital Inc (JCAP): not valued
- Lufax Holding Ltd ADR (LU): not valued
- Qfin Holdings Inc ADR (QFIN): no reliable verdict
- Navient Corp (NAVI): not valued
- World Acceptance Corp (WRLD): fairly valued, +3% margin of safety
- PRA Group Inc (PRAA): fairly valued, +4% margin of safety
- Green Dot Corp (GDOT): undervalued, +62% margin of safety
- OppFi Inc (OPFI): no reliable verdict
- Stewards Inc (SWRD): not valued
- FinVolution Group ADR (FINV): no reliable verdict
- Finance of America Companies Inc (FOA): slightly undervalued, +11% margin of safety
- Oportun Financial Corp (OPRT): undervalued, +63% margin of safety
- CPI Card Group Inc (PMTS): undervalued, +49% margin of safety
- Regional Management Corp (RM): no reliable verdict
- Medallion Financial Corp (MFIN): undervalued, +62% margin of safety
- TROOPS Inc (TROO): overvalued, -1347% margin of safety
- High Templar Tech Ltd ADR (HTT): not valued
- Consumer Portfolio Service Inc (CPSS): no reliable verdict
- X Financial ADR (XYF): no reliable verdict
- Sui Group Holdings Ltd (SUIG): no published value
- LexinFintech Holdings Ltd ADR (LX): no reliable verdict
- Yiren Digital Ltd ADR (YRD): no reliable verdict
- Antalpha Platform Holding Co (ANTA): not valued
- Vroom Inc (VRM): not valued
- Jiayin Group Inc ADR (JFIN): no reliable verdict
- J and Friends Holdings Ltd ADR (JF): not valued
- Sentage Holdings Inc (SNTG): not valued
- Eason Technology Ltd ADR (DXF): not valued
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