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Best Credit Services stocks by quality

Of the 60 stocks listed here, 3 reach the maximum quality score. The median valuation of the group comes out at 3.8 times its free cash flow. Among those with the maximum score, the cheapest is Sezzle (SEZL), at 17.1 times its free cash flow.

The Credit Services stocks with the highest scores from our fundamental analysis, ranked from best to worst quality, with their valuation (P/FCF). Click a stock for its full analysis.

#StockQuality scoreP/FCF
1Sezzle Inc (SEZL)10/1017.1x
2Mastercard Inc (MA)10/1029.4x
3Enova International Inc (ENVA)10/102.3x
4PT Pool Advista Finance Tbk (POLA.JK)9/103.3x
5Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV.IS)9/102.7x
6PT Fuji Finance Indonesia Tbk (FUJI.JK)9/1015.6x
7Firstcash Holdings Inc (FCFS)9/1012.3x
8Edenred SE (EDEN.PA)9/106.1x
9Capital One Financial Corp (COF)9/104.3x
10Taiwan Acceptance Corporation (9941A.TW)9/101.8x
11NICE Information Service Co., Ltd. (030190.KS)9/108.5x
12X Financial (XYF)8/10n.d.
13Vakif Faktoring A.S. (VAKFA.IS)8/10n.d.
14Ratchthani Leasing Public Company Limited (THANI.BK)8/101.4x
15Srisawad Capital 1969 Public Company Limited (SCAP.BK)8/101.7x
16QNB Finansal Kiralama A.S. (QNBFK.IS)8/10n.d.
17Qfin Holdings Inc (QFIN)8/100.7x
18PayPal Holdings Inc (PYPL)8/1010.5x
19OppFi Inc (OPFI)8/103.3x
20Micro Leasing Public Company Limited (MICRO.BK)8/101.2x
21Medallion Financial Corp (MFIN)8/101.6x
22Manba Finance Limited (MANBA.NS)8/10n.d.
23Jefferson Capital Inc (JCAP)8/105.6x
24HDB Financial Services Limited (HDBFS.NS)8/10n.d.
25Grenke AG (GLJ.DE)8/10n.d.
26EZCORP Inc (EZPW)8/1014.9x
27Destek Finans Faktoring A.S. (DSTKF.IS)8/10n.d.
28Atlanticus Holdings Corp (ATLC)8/101.9x
29Taiwan Acceptance Corporation (9941.TW)8/103.3x
30Credit Saison Co., Ltd. (8253.T)8/10n.d.
31Net Protections Holdings, Inc. (7383.T)8/105.0x
32Global International Credit Group Limited (1669.HK)8/102.1x
33Emperor Capital Group Limited (0717.HK)8/100.4x
34Zip Co Limited (ZIP.AX)7/10n.d.
35Weaver Fintech Ltd (WVR.JO)7/10n.d.
36Viji Finance Limited (VIJIFIN.NS)7/10164.8x
37Visa Inc (V)7/1038.0x
38U. Y. Fincorp Limited (UYFINCORP.NS)7/10n.d.
39Thitikorn Public Company Limited (TK.BK)7/104.4x
40Thanachart Capital Public Company Limited (TCAP.BK)7/1010.0x
41Synchrony Financial (SYF)7/102.5x
42Sundaram Finance Limited (SUNDARMFIN.NS)7/10n.d.
43Starteck Finance Limited (STARTECK.NS)7/107.5x
44Star Money Public Company Limited (STARM.BK)7/102.4x
45Shriram Finance Limited (SHRIRAMFIN.NS)7/10n.d.
46SBFC Finance Limited (SBFC.NS)7/10n.d.
47Saksiam Leasing Public Company Limited (SAK.BK)7/105.6x
48Sing Investments & Finance Limited (S35.SI)7/10n.d.
49Plenti Group Limited (PLT.AX)7/102.8x
50PTC India Financial Services Limited (PFS.NS)7/101.0x
51Power Finance Corporation Limited (PFC.NS)7/10n.d.
52Oportun Financial Corp (OPRT)7/100.9x
53Optasia Limited (OPA.JO)7/1043.9x
54Northern Arc Capital Limited (NORTHARC.NS)7/10n.d.
55Muthoot Microfin Limited (MUTHOOTMF.NS)7/10n.d.
56Muthoot Finance Limited (MUTHOOTFIN.NS)7/10n.d.
57Moltiply Group S.p.A. (MOL.MI)7/1011.8x
58Raize - Instituição de Pagamentos, S.A. (MLRZE.LS)7/1026.6x
59Lexinfintech Holdings Ltd (LX)7/100.6x
60L&T Finance Limited (LTF.NS)7/10n.d.

Our quality score judges how solid a business is across 10 objective financial criteria (profitability, free cash flow growth, share buybacks, debt, return on capital). The P/FCF (price to free cash flow) shows whether the stock is cheap or expensive. Full method: our methodology.

To place these multiples against sector averages, the reference public sector data is Aswath Damodaran's (NYU Stern).

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