Top 15 Credit Services Financial Stocks
Marvin ranks 15 larger credit services stocks by Overall score within their industry. Jefferson Capital, Encore Capital Group and Atlanticus Holdings lead the list as of October 2026.
Credit services is the part of the financial sector built around lending, card payments and consumer credit. This list covers 15 companies in that industry, ordered by Marvin's Overall score. Jefferson Capital, Encore Capital Group and Atlanticus Holdings sit at the top.
The group is mixed. Some companies earn their money by lending directly to consumers, and others by running payment networks. Margins, growth and debt levels differ widely, so read each blurb rather than treating the list as one block.
Marvin's scores compare each company only with other companies in its industry, as of 2026-10-22. They describe where a company stands today. They are not a forecast, and they are not advice to act on any stock.
The list
How Marvin ranked these stocks
Marvin included companies above a minimum size threshold in the Financial - Credit Services industry and ranked them by Overall score, highest first. Overall, Quality and Opportunity scores are relative to each company's own industry, so a high score means the company compares well with credit services peers, not with every stock in the market. Some figures are missing for certain companies, and the blurbs flag this where it matters.
Companies above about $300 million in size, ranked by Marvin scores (0-100, relative to each company's own industry). The Financial - Credit Services industry, highest Overall score first.
The stocks, one by one
Jefferson Capital, Inc. Common Stock JCAP
Jefferson Capital holds the top Overall score, 96, with last-year revenue growth of 41.5% and an operating margin of 45.8%. That points to fast growth and strong profitability. Caution: no debt-to-equity figure is available, so its borrowing level can't be judged here.
Encore Capital Group, Inc. ECPG
Encore Capital Group posts a Quality score of 89, an operating margin of 37.7% and return on equity of 28.0%. Those are strong profitability signs, backed by revenue growth of 34.4%. Caution: no debt-to-equity figure is available, so leverage is unclear.
Atlanticus Holdings Corporation ATLC
Atlanticus Holdings grew revenue 50.1% last year and has a gross margin of 92.6%, with return on equity of 21.9%. Caution: its operating margin is only 7.7%, thin next to peers on this list, and no debt figure is available.
Capital One Financial Corporation COF
Capital One Financial combines a Quality score of 85 with revenue growth of 36.6% and a debt-to-equity ratio of 0.40, which is low for this list. Caution: return on equity is a modest 9.2%, so profit relative to shareholder capital is not a standout.
Sezzle Inc. SEZL
Sezzle posted revenue growth of 66.1%, an operating margin of 40.4% and return on equity of 69.3%, a very strong mix of growth and profitability. Caution: no debt-to-equity figure is available, so how much borrowing supports those returns is unknown.
Nelnet, Inc. NNI
Nelnet has a Quality score of 92, among the higher ones here, and return on equity of 8.0%. Caution: its debt-to-equity ratio is 1.87, and growth and operating margin figures are missing, so the picture of its recent performance is incomplete.
OneMain Holdings, Inc. OMF
OneMain Holdings shows an operating margin of 20.5% and return on equity of 23.6%, both solid, alongside modest revenue growth of 8.9%. Caution: its debt-to-equity ratio of 6.63 is on the high side, which means heavy reliance on borrowed money.
Visa Inc. V
Visa has the highest Quality score on the list, 97, with an operating margin of 61.1% and return on equity of 62.4%, plus a debt-to-equity ratio of 0.67. Caution: its Opportunity score is only 67, which pulls down its Overall ranking.
Mastercard Incorporated MA
Mastercard has a Quality score of 94, an operating margin of 58.3% and revenue growth of 16.4%. Its return on equity is 289.7%, extremely high. Caution: debt-to-equity is 4.39 and its Opportunity score is just 32.
Affirm Holdings, Inc. AFRM
Affirm Holdings grew revenue 32.2% and earned return on equity of 35.2%, with a debt-to-equity ratio of 1.79. Caution: its operating margin is only 11.6%, so a small share of each revenue dollar turns into operating profit.
Enova International, Inc. ENVA
Enova International combines revenue growth of 18.6%, a gross margin of 59.8% and return on equity of 23.7%. Caution: its debt-to-equity ratio is 3.37, fairly high, and its Quality score of 81 is lower than many peers.
Credit Acceptance Corporation CACC
Credit Acceptance has a Quality score of 83, an operating margin of 27.9% and return on equity of 31.6%, all healthy. Caution: revenue growth was a modest 7.2%, and no debt-to-equity figure is available to check leverage.
Regional Management Corp. RM
Regional Management Corp. grew revenue 9.7% and earned return on equity of 12.4%. Caution: its operating margin is just 9.0%, its Quality score is 52, and its debt-to-equity ratio of 4.54 is on the high side.
American Express Company AXP
American Express has a Quality score of 87, return on equity of 33.4% and a debt-to-equity ratio of 1.72. Revenue growth was 9.5%, a steady pace. Caution: its Opportunity score is only 34, which holds back its Overall ranking.
FirstCash Holdings, Inc FCFS
FirstCash Holdings has a Quality score of 78 and a debt-to-equity ratio of 1.16, which is low for this list, with a gross margin of 50.5%. Caution: revenue growth of 8.0% and an operating margin of 12.8% are modest.
Common questions
What does the credit services industry include?
It covers companies that make money from credit and payments. Some lend directly to consumers, and others run card or payment networks. This list includes both kinds, which is why their margins and debt levels differ so much.
Why do some companies have high Quality but low Opportunity scores?
Quality reflects how strong a company's business figures are compared with industry peers, while Opportunity is a separate score. A company can rank well on one and poorly on the other. Visa, Mastercard and American Express show this pattern here.
Does a high Overall score mean a stock is a good investment?
No. Marvin's scores only describe how a company compares with others in its industry today. They are not a prediction or advice. Look at the figures behind each score, and note which ones are missing, before drawing conclusions.
Keep reading
- Top 20 Financial Services Stocks, Ranked by Marvin Scores
- Top 15 Financial Services Stocks by Marvin's Opportunity Score
- Top 15 Financial Services Companies With the Strongest Businesses
- Top 15 Financial Services Stocks Right Now
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Marvin's scores (0-100) compare each company with others in its industry today. Growth and margin figures come from SEC filings. This is general information, not personal investment advice or a recommendation to buy or sell anything. Do your own research.