Top 15 Financial Services Stocks by Marvin's Opportunity Score
Marvin's rules picked 15 Financial Services stocks with the highest Opportunity scores among companies with solid Business Quality. They span insurers, banks, asset managers, lenders and trading firms.
Financial Services covers many kinds of business: insurers, banks, asset managers, lenders, mortgage companies and trading firms. This list shows 15 of them that Marvin's rules rank highest right now, using Opportunity scores and a minimum Business Quality score.
The figures used here are growth, operating margin, return on equity and debt-to-equity. Financial companies fund themselves differently from ordinary businesses, so debt and margin numbers are not always directly comparable across a bank, an insurer and an asset manager. Some figures are missing for some names, and each write-up flags that.
A high score describes how a company compares with others in its own industry today. It is not a recommendation or a forecast, so treat the list as a starting point for your own research.
The list
How Marvin ranked these stocks
Marvin started with companies above a minimum size and kept the Financial Services sector. It then required a minimum Business Quality score and ranked the rest by Opportunity score, highest first, with a cap on how many stocks could come from any one industry. All scores are relative to each company's own industry, so a high score means the company looks strong next to its direct peers, not next to every stock in the market.
Companies above about $300 million in size, ranked by Marvin scores (0-100, relative to each company's own industry). The Financial Services sector, highest Opportunity score first, among companies with a Business Quality score of at least 50; at most 4 per industry.
The stocks, one by one
American Integrity Insurance Group, Inc. AII
American Integrity Insurance Group, a property and casualty insurer, shows revenue growth of 35.3% and an operating margin of 36.2%, with debt-to-equity of only 0.09. That suggests fast expansion, strong profitability and light borrowing. Caution: free cash flow margin is not available, so cash generation can't be checked here.
Gold.com, Inc. GOLD
Gold.com, a capital markets firm, grew revenue by 132.4% in its last fiscal year, a very fast pace, and earned a return on equity of 9.4%. Caution: gross margin is only 1.8%, meaning thin profit on each sale, and operating margin and debt figures are missing.
Victory Capital Holdings, Inc. VCTR
Victory Capital, an asset manager, pairs revenue growth of 46.2% with an operating margin of 41.3% and a return on equity of 19.4%. Those point to quick growth and strong profitability, with debt-to-equity at 0.43. Caution: free cash flow margin is not available.
Jefferson Capital, Inc. Common Stock JCAP
Jefferson Capital, a credit services company, reports revenue growth of 41.5%, an operating margin of 45.8% and a return on equity of 32.6%. Together these suggest fast growth and high profitability. Caution: no debt figure is available, which matters for a lender, so its borrowing level is unclear.
Blue Owl Technology Finance Corp. OTF
Blue Owl Technology Finance, an asset manager, shows revenue growth of 67.5% and an operating margin of 43.6%, both strong. Caution: return on equity is only 5.0%, a modest payoff on shareholder capital, and debt-to-equity of 0.95 means borrowing roughly matches equity.
Financial Institutions, Inc. FISI
Financial Institutions, a regional bank, reports revenue growth of 109.5%, an operating margin of 39.1%, a return on equity of 12.8% and debt-to-equity of 0.45. Caution: growth that large is unusual for a bank, so it is worth checking what drove it.
Primis Financial Corp FRST
Primis Financial, a regional bank, shows revenue growth of 51.9%, an operating margin of 30.2% and a return on equity of 12.2%, a solid but not standout profit rate. Caution: its Business Quality score of 49 is the lowest here, and no debt figure is available.
Provident Financial Services, Inc. PFS
Provident Financial Services, a regional bank, has a Business Quality score of 92 and an operating margin of 47.4%, both strong. Revenue growth of 25.3% is healthy. Caution: return on equity of 10.8% is modest, and no debt figure is available.
Bank of Marin Bancorp BMRC
Bank of Marin Bancorp has a high overall score of 94, but its latest year shows revenue growth of -59.9%, an operating margin of -39.6% and a return on equity of -3.6%. Those mean shrinking sales and losses. Caution: this mismatch deserves a closer look.
PennyMac Financial Services, Inc. PFSI
PennyMac Financial Services, a mortgage company, reports revenue growth of 28.4% and an operating margin of 22.9%, which suggest decent growth and profitability. Caution: debt-to-equity of 1.48 is the highest on this list, and return on equity of 9.0% is modest.
Capital Southwest Corporation CSWC
Capital Southwest, an asset manager, has a high operating margin of 58.5% and a return on equity of 10.5%. Revenue growth of 13.5% is steady rather than fast. Caution: debt-to-equity of 1.16 means it borrows slightly more than its equity base.
Slide Insurance Holdings, Inc. Common Stock SLDE
Slide Insurance Holdings, a property and casualty insurer, combines a Business Quality score of 96, a return on equity of 46.5% and an operating margin of 52.8%, with almost no debt at 0.03. Caution: free cash flow margin is not available, so cash generation can't be checked.
Virtu Financial, Inc. VIRT
Virtu Financial, a capital markets firm, earned a return on equity of 29.5% on revenue growth of 26.2%, suggesting strong returns and healthy expansion. Caution: debt-to-equity of 1.23 shows meaningful borrowing, and operating margin is not available, so profitability is harder to judge.
Atlanticus Holdings Corporation ATLC
Atlanticus Holdings, a credit services company, shows revenue growth of 50.1%, a return on equity of 21.9% and a gross margin of 92.6%. Caution: operating margin is only 7.7%, so little of each sales dollar is left after costs, and no debt figure is available.
Hercules Capital, Inc. HTGC
Hercules Capital, an asset manager, has the highest operating margin on this list at 63.0% and a return on equity of 16.8%. Caution: revenue growth of 7.9% is modest next to its peers here, and debt-to-equity of 1.03 means borrowing about equals equity.
Common questions
What does the Opportunity score mean?
It is one of Marvin's scores, and it compares a company with other companies in its own industry today. A high score means it ranks well against direct peers. It is not a prediction, and it does not say whether to buy or sell.
Why do some stocks show missing figures?
Not every company reports every measure in a form Marvin can use. Banks, insurers and lenders often have no meaningful gross margin or free cash flow margin, and some have no debt-to-equity figure. Each write-up uses only the figures available for that stock.
Can I compare a bank with an insurer or an asset manager using these figures?
Only with care. Financial companies earn money and use debt in different ways, so margins and debt-to-equity can mean different things across industries. Marvin's scores are relative to each industry, so a stock's figures are best judged against its direct peers.
Keep reading
- Top 15 Financial Services Stocks Right Now
- Top 20 Financial Services Stocks, Ranked by Marvin Scores
- Top 15 Asset Management Stocks, Ranked by Marvin Scores
- Top 15 Regional Bank Stocks, Ranked by Marvin Scores
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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.