20-quarter listed-company comparison

Credit Services Stocks

Credit Services: American Express Company owns the largest revenue base; Atlanticus Holdings Corporation has the fastest current growth.

The industry itself · before any single company

How has Credit Services moved against S&P 500?

The line below covers 5.2 years. Over the most recent two of them this industry is 34% ahead of S&P 500. Earnings across its companies grew 15% on average over the last four reported quarters. It has been ahead of S&P 500 on a rolling three-month view for 8 weeks running.

FADING · −2 in 4w✓Price and the fundamentals both up21 of 43 companies ahead of S&P 500 by 5% or more over three months3 are 20% or more behind over a year while earnings grew 20% or more

RS ↑8w · 30/43 >200d (+1) · 21/43 lead (−2) · EPS 29/42↑

Credit Services, equal-weighted, based at 200 S&P 500, same base, same start trailing 12-month earnings per share rising falling

Strength anatomy MixedHow much of the industry is participating, how recently, and whether the movers score well.

Together21 of 43 stocks moving

Fresh5 crossed in the last 4 weeks

Backed by scoresmovers score +5 vs the industry average

Down the cap ladder — bar is now, tick is four weeks ago

Large 5/9+3

Mid 9/15−1

Small 7/19−4

Participation is not spreading downward this month; the larger companies are still carrying most of it.

Both lines start at 200 in the same week, so the distance between them is the whole story: the industry line is an equal-weighted index of its 43 companies. The bars underneath are trailing 12-month earnings per share, one bar per reported quarter, each member rebased to 100 at the start and the industry taking the median — so a price line pulling away from flat bars is a re-rating, not earnings. A bar turns red when that figure is lower than the quarter before. Rules are fixed and applied identically everywhere on this site: ahead by 5% or more over three months, or behind by 20% or more over a year while earnings grew 20% or more. Hover any point to read both values and the gap. This is a description of what the numbers did, not advice.

Sector relative strength · before individual stocks

Is Credit Services outperforming S&P 500?

Credit Services has underperformed S&P 500 by 4.5% over the last 52 weeks. Over 13 weeks the gap is a lead of 7.9%. 11 of 27 covered companies currently beat the S&P 500 on Mansfield relative strength, so leadership inside the sector is selective. Sezzle Inc. is the strongest against the sector itself at +58.5%.

+7.9%Sector vs S&P 500 · 13 weeks

-4.5%Sector vs S&P 500 · 52 weeks

11/27Stocks leading S&P 500

10/27Stocks leading sector

Sector metric: — as of latest available · unclassified · direction unavailable.

The central tension: the companies with the most scale are not necessarily the companies creating the most change.

Start with scale. Then earnings trajectory. Then business quality. Only after those three agree should price leadership carry much weight.

Bottom line

Credit Services has underperformed S&P 500 by 4.5% over 52 weeks and 7.9% over 13 weeks. 11 of 27 covered companies beat the S&P 500 on Mansfield relative strength, while 10 of 27 beat the sector itself. American Express Company leads with income of $56,282 million, based on 20 of 28 comparable companies through Mar 2026.

Is the Credit Services sector outperforming S&P 500?

Which Credit Services company is largest by income?

American Express Company leads with income of $56,282 million, based on 20 of 28 comparable companies through Mar 2026.

Which Credit Services company is growing fastest?

Atlanticus Holdings Corporation has the fastest current income growth at 68.7%, across 20 of 28 comparable companies.

Which Credit Services company has the strongest 4-Factor Sector Score?

Sezzle Inc. ranks first at 65.1/100 with 76% evidence confidence. The score prioritizes research; it is not a buy recommendation.

Which Credit Services company has the largest deposit base?

Capital One Financial Corporation has the largest reported deposit base at $484,257 million. Bank borrowings are operating funding, not industrial leverage.

Which Credit Services company has the lowest comparable P/BV-to-ROE?

OppFi Inc. has the lowest comparable P/BV ÷ ROE at 0.14, among 25 of 28 companies that pass the metric’s comparability rules.

How much history does this Credit Services comparison include?

The page compares up to 20 reported quarters per company for fundamentals, CAPEX, debt and valuation, ending Jun 2026. Missing observations remain blank rather than being estimated.

How is the 4-Factor Sector Score calculated?

The four visible contributions add directly: growth and earnings up to 35 points, capital efficiency up to 25, valuation up to 20, and relative strength up to 20. Missing or stale evidence moves only the affected contribution toward neutral.

Companies

complete canonical membership

Combined market value

$1.8T

Visa Inc.

Revenue growing

17/20

positive TTM year-on-year growth

Beating S&P 500

11/27

positive Mansfield relative strength

Global company selection

00 · research priority, made explicit

4-Factor Sector Score

An additive sector-relative research score. The four displayed point contributions always equal the total: Growth & earnings (35), Capital efficiency (25), Valuation (20), and Relative strength (20). Missing or stale evidence is absorbed inside the affected factor, never applied as a hidden adjustment.

Growth & earnings · 35%Capital efficiency · 25%Valuation · 20%Relative strength · 20%

Sezzle Inc. has the strongest current balance of earnings trajectory, business quality, valuation and price confirmation, with 76% evidence confidence.

Federal Agricultural Mortgage Corporation has stronger price confirmation than earnings confirmation; that is a research prompt, not permission to chase.

Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded.

1. Sezzle Inc. · SEZL

65.1/100 · Favorable setup · 76% evidence

Exact sum: 19.4 + 19.6 + 6.1 + 20 = 65.1

Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression.

19.4/35Growth & earnings

Income 46.5% · PAT 40.6%

71% evidence

19.6/25Capital efficiency

ROA 14.3% · ROE 31.8% · GNPA —

68% evidence

6.1/20Valuation

P/BV 10.81× · P/BV÷ROE 0.34

70% evidence

20.0/20Relative strength

RS sector 58.5% · RS bench 63.5% · 1Y 9%

100% evidence

2. Encore Capital Group, Inc. · ECPG

61.1/100 · Thin evidence · provisional · 53% evidence

Exact sum: 21 + 13.3 + 13.4 + 13.4 = 61.1

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

21.0/35Growth & earnings

Income 34% · PAT —

29% evidence

13.3/25Capital efficiency

ROA — · ROE 9.3% · GNPA —

34% evidence

13.4/20Valuation

P/BV 1.46× · P/BV÷ROE 0.16

70% evidence

13.4/20Relative strength

RS sector 36.9% · RS bench 43.1% · 1Y 166.6%

100% evidence

3. EZCORP, Inc. · EZPW

60.2/100 · Mixed-positive evidence · 76% evidence

Exact sum: 26.1 + 13.2 + 8.6 + 12.3 = 60.2

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

26.1/35Growth & earnings

Income 22.9% · PAT 66.3%

71% evidence

13.2/25Capital efficiency

ROA 2.6% · ROE 5% · GNPA —

68% evidence

8.6/20Valuation

P/BV 1.4× · P/BV÷ROE 0.28

70% evidence

12.3/20Relative strength

RS sector 11.6% · RS bench 16.7% · 1Y 115%

100% evidence

4. Enova International, Inc. · ENVA

58.6/100 · Mixed-positive evidence · 60% evidence

Exact sum: 18.7 + 15.4 + 5 + 19.5 = 58.6

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

18.7/35Growth & earnings

Income — · PAT —

26% evidence

15.4/25Capital efficiency

ROA 2.7% · ROE 7.7% · GNPA —

68% evidence

5.0/20Valuation

P/BV 4× · P/BV÷ROE 0.52

70% evidence

19.5/20Relative strength

RS sector 46.8% · RS bench 52.3% · 1Y 147.7%

100% evidence

5. Visa Inc. · V

56.4/100 · Mixed-positive evidence · 76% evidence

Exact sum: 20.9 + 19.1 + 3.7 + 12.7 = 56.4

Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression.

20.9/35Growth & earnings

Income 14.4% · PAT 11.8%

71% evidence

19.1/25Capital efficiency

ROA 6.5% · ROE 16.3% · GNPA —

68% evidence

3.7/20Valuation

P/BV 15.97× · P/BV÷ROE 0.98

70% evidence

12.7/20Relative strength

RS sector -0.8% · RS bench 2.4% · 1Y 8%

100% evidence

6. OppFi Inc. · OPFI

56.3/100 · Mixed-positive evidence · 70% evidence

Exact sum: 19.9 + 17.9 + 13.4 + 5.1 = 56.3

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

19.9/35Growth & earnings

Income 8.3% · PAT 90.4%

71% evidence

17.9/25Capital efficiency

ROA 4.8% · ROE 18.6% · GNPA —

68% evidence

13.4/20Valuation

P/BV 2.69× · P/BV÷ROE 0.14

70% evidence

5.1/20Relative strength

RS sector -8.8% · RS bench -6.2% · 1Y -7.2%

70% evidence

7. Atlanticus Holdings Corporation · ATLC

55.6/100 · Mixed-positive evidence · 70% evidence

Exact sum: 20.1 + 10.7 + 8.6 + 16.2 = 55.6

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

20.1/35Growth & earnings

Income 68.7% · PAT 17.4%

71% evidence

10.7/25Capital efficiency

ROA 0.8% · ROE 7.1% · GNPA —

68% evidence

8.6/20Valuation

P/BV 1.22× · P/BV÷ROE 0.17

70% evidence

16.2/20Relative strength

RS sector 38.2% · RS bench 42.9% · 1Y 118.3%

70% evidence

8. Mastercard Incorporated · MA

55.2/100 · Mixed-positive evidence · 76% evidence

Exact sum: 22.6 + 20.4 + 3.2 + 9 = 55.2

Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression.

22.6/35Growth & earnings

Income 16.8% · PAT 18.5%

71% evidence

20.4/25Capital efficiency

ROA 7.8% · ROE 57.9% · GNPA —

68% evidence

3.2/20Valuation

P/BV 65.96× · P/BV÷ROE 1.14

70% evidence

9.0/20Relative strength

RS sector -5.8% · RS bench -2.9% · 1Y 0.5%

100% evidence

9. Credit Acceptance Corporation · CACC

54.5/100 · Mixed-positive evidence · 62% evidence

Exact sum: 23.3 + 13.1 + 6.3 + 11.8 = 54.5

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

23.3/35Growth & earnings

Income 20.5% · PAT 56.2%

55% evidence

13.1/25Capital efficiency

ROA — · ROE 8.4% · GNPA —

34% evidence

6.3/20Valuation

P/BV 2.92× · P/BV÷ROE 0.35

70% evidence

11.8/20Relative strength

RS sector 0.8% · RS bench 4.2% · 1Y 24.8%

100% evidence

10. Federal Agricultural Mortgage Corporation · AGM

53.9/100 · Mixed-positive evidence · 62% evidence

Exact sum: 16.8 + 11.5 + 8.6 + 17 = 53.9

Decision use: Price leads the evidence: RS versus the benchmark is 12.7%, but earnings trajectory is weak. Wait for revenue and profit confirmation.

16.8/35Growth & earnings

Income 34.8% · PAT 6.4%

55% evidence

11.5/25Capital efficiency

ROA — · ROE 3.6% · GNPA —

34% evidence

8.6/20Valuation

P/BV 0.94× · P/BV÷ROE 0.26

70% evidence

17.0/20Relative strength

RS sector 9.3% · RS bench 12.7% · 1Y 24.9%

100% evidence

11. OneMain Holdings, Inc. · OMF

45.7/100 · Mixed-negative evidence · 76% evidence

Exact sum: 18.1 + 10.9 + 8.6 + 8.1 = 45.7

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

18.1/35Growth & earnings

Income 7.4% · PAT 40.4%

71% evidence

10.9/25Capital efficiency

ROA 0.9% · ROE 6.8% · GNPA —

68% evidence

8.6/20Valuation

P/BV 1.83× · P/BV÷ROE 0.27

70% evidence

8.1/20Relative strength

RS sector -5.2% · RS bench -2.2% · 1Y 10.2%

100% evidence

12. PayPal Holdings, Inc. · PYPL

42.7/100 · Mixed-negative evidence · 76% evidence

Exact sum: 13.2 + 12.4 + 6.2 + 10.9 = 42.7

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

13.2/35Growth & earnings

Income 5.8% · PAT 11.3%

71% evidence

12.4/25Capital efficiency

ROA 1.5% · ROE 5.5% · GNPA —

68% evidence

6.2/20Valuation

P/BV 2.01× · P/BV÷ROE 0.37

70% evidence

10.9/20Relative strength

RS sector -4.7% · RS bench -2.3% · 1Y -13.1%

100% evidence

13. Jefferson Capital, Inc. · JCAP

42.4/100 · Mixed-negative evidence · 70% evidence

Exact sum: 10.7 + 16.8 + 8.4 + 6.5 = 42.4

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

10.7/35Growth & earnings

Income 29.9% · PAT 1.3%

71% evidence

16.8/25Capital efficiency

ROA 5.7% · ROE 8.6% · GNPA —

68% evidence

8.4/20Valuation

P/BV 2.4× · P/BV÷ROE 0.28

70% evidence

6.5/20Relative strength

RS sector -6.4% · RS bench -3.2% · 1Y 26.2%

70% evidence

14. Affirm Holdings, Inc. · AFRM

40.9/100 · Thin evidence · provisional · 53% evidence

Exact sum: 20.5 + 9.8 + 3.4 + 7.2 = 40.9

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

20.5/35Growth & earnings

Income 31.5% · PAT —

29% evidence

9.8/25Capital efficiency

ROA — · ROE 3.1% · GNPA —

34% evidence

3.4/20Valuation

P/BV 4.06× · P/BV÷ROE 1.31

70% evidence

7.2/20Relative strength

RS sector -4.1% · RS bench -1.7% · 1Y 9%

100% evidence

15. Nelnet, Inc. · NNI

40.8/100 · Mixed-negative evidence · 62% evidence

Exact sum: 20.7 + 9.9 + 5.6 + 4.6 = 40.8

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

20.7/35Growth & earnings

Income 18.6% · PAT 52.5%

55% evidence

9.9/25Capital efficiency

ROA — · ROE 2.7% · GNPA —

34% evidence

5.6/20Valuation

P/BV 1.24× · P/BV÷ROE 0.46

70% evidence

4.6/20Relative strength

RS sector -5.9% · RS bench -2.6% · 1Y 11.3%

100% evidence

16. SoFi Technologies, Inc. · SOFI

36.7/100 · Mixed-negative evidence · 62% evidence

Exact sum: 21.6 + 8.9 + 4.2 + 2 = 36.7

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

21.6/35Growth & earnings

Income 41% · PAT 20%

55% evidence

8.9/25Capital efficiency

ROA — · ROE 1.9% · GNPA —

34% evidence

4.2/20Valuation

P/BV 1.88× · P/BV÷ROE 0.99

70% evidence

2.0/20Relative strength

RS sector -31.4% · RS bench -29.8% · 1Y -21.1%

100% evidence

17. Upstart Holdings, Inc. · UPST

34.5/100 · Thin evidence · provisional · 55% evidence

Exact sum: 19 + 4 + 9.5 + 2 = 34.5

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

19.0/35Growth & earnings

Income 57.6% · PAT —

45% evidence

4.0/25Capital efficiency

ROA -0.3% · ROE -0.9% · GNPA —

68% evidence

9.5/20Valuation

P/BV 3.35× · P/BV÷ROE —

10% evidence

2.0/20Relative strength

RS sector -38.6% · RS bench -37.7% · 1Y -64.9%

100% evidence

18. American Express Company · AXP

32.6/100 · Adverse evidence · 76% evidence

Exact sum: 14.6 + 10.2 + 4.6 + 3.2 = 32.6

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

14.6/35Growth & earnings

Income 10% · PAT 9.2%

71% evidence

10.2/25Capital efficiency

ROA -0.2% · ROE 9.1% · GNPA —

68% evidence

4.6/20Valuation

P/BV 6.07× · P/BV÷ROE 0.67

70% evidence

3.2/20Relative strength

RS sector -9.8% · RS bench -6.9% · 1Y 14.4%

100% evidence

19. The Western Union Company · WU

28.1/100 · Adverse evidence · 70% evidence

Exact sum: 6.3 + 12.1 + 5.6 + 4.1 = 28.1

Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.

6.3/35Growth & earnings

Income -2.3% · PAT -51.9%

71% evidence

12.1/25Capital efficiency

ROA 1.1% · ROE 7% · GNPA —

68% evidence

5.6/20Valuation

P/BV 3× · P/BV÷ROE 0.43

70% evidence

4.1/20Relative strength

RS sector -15.4% · RS bench -12.4% · 1Y 4.3%

70% evidence

20. Bread Financial Holdings, Inc. · BFH

52.2/100 · Thin evidence · provisional · 46% evidence

Exact sum: 17 + 11.2 + 7.9 + 16.1 = 52.2

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

17.0/35Growth & earnings

Income — · PAT —

10% evidence

11.2/25Capital efficiency

ROA — · ROE 4.5% · GNPA —

34% evidence

7.9/20Valuation

P/BV 1.3× · P/BV÷ROE 0.29

70% evidence

16.1/20Relative strength

RS sector 26.8% · RS bench 31.7% · 1Y 87.2%

100% evidence

21. World Acceptance Corporation · WRLD

49.3/100 · Thin evidence · provisional · 46% evidence

Exact sum: 18.1 + 9.4 + 4.6 + 17.2 = 49.3

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

18.1/35Growth & earnings

Income — · PAT —

10% evidence

9.4/25Capital efficiency

ROA — · ROE 2% · GNPA —

34% evidence

4.6/20Valuation

P/BV 1.79× · P/BV÷ROE 0.9

70% evidence

17.2/20Relative strength

RS sector 9.7% · RS bench 13% · 1Y 22.9%

100% evidence

22. FirstCash Holdings, Inc. · FCFS

44.4/100 · Thin evidence · provisional · 46% evidence

Exact sum: 17.7 + 11.8 + 4.3 + 10.6 = 44.4

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

17.7/35Growth & earnings

Income — · PAT —

10% evidence

11.8/25Capital efficiency

ROA — · ROE 4.6% · GNPA —

34% evidence

4.3/20Valuation

P/BV 4.08× · P/BV÷ROE 0.89

70% evidence

10.6/20Relative strength

RS sector 2.4% · RS bench 6.7% · 1Y 57.7%

100% evidence

23. Klarna Group plc · KLAR

43.7/100 · Thin evidence · provisional · 35% evidence

Exact sum: 18.8 + 5.1 + 9.8 + 10 = 43.7

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

18.8/35Growth & earnings

Income 0% · PAT —

45% evidence

5.1/25Capital efficiency

ROA 0% · ROE 0% · GNPA —

68% evidence

9.8/20Valuation

P/BV 2.01× · P/BV÷ROE —

10% evidence

10.0/20Relative strength

RS sector — · RS bench — · 1Y —

0% evidence

24. Capital One Financial Corporation · COF

41.9/100 · Thin evidence · provisional · 46% evidence

Exact sum: 18.9 + 10.6 + 6 + 6.4 = 41.9

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

18.9/35Growth & earnings

Income — · PAT —

10% evidence

10.6/25Capital efficiency

ROA — · ROE 2.7% · GNPA —

34% evidence

6.0/20Valuation

P/BV 1.1× · P/BV÷ROE 0.41

70% evidence

6.4/20Relative strength

RS sector -8.7% · RS bench -5.9% · 1Y 2.4%

100% evidence

25. Synchrony Financial · SYF

41.0/100 · Thin evidence · provisional · 46% evidence

Exact sum: 16.6 + 12.2 + 8.2 + 4 = 41

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

16.6/35Growth & earnings

Income — · PAT —

10% evidence

12.2/25Capital efficiency

ROA — · ROE 5.2% · GNPA —

34% evidence

8.2/20Valuation

P/BV 1.46× · P/BV÷ROE 0.28

70% evidence

4.0/20Relative strength

RS sector -6.5% · RS bench -3.5% · 1Y 14.2%

100% evidence

26. Ally Financial Inc. · ALLY

40.4/100 · Thin evidence · provisional · 46% evidence

Exact sum: 17.1 + 10.6 + 7 + 5.7 = 40.4

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

17.1/35Growth & earnings

Income — · PAT —

10% evidence

10.6/25Capital efficiency

ROA — · ROE 2.7% · GNPA —

34% evidence

7.0/20Valuation

P/BV 0.9× · P/BV÷ROE 0.34

70% evidence

5.7/20Relative strength

RS sector -5.3% · RS bench -2.1% · 1Y 19.1%

100% evidence

27. SLM Corporation · SLM

38.2/100 · Thin evidence · provisional · 46% evidence

Exact sum: 16.7 + 10 + 5 + 6.5 = 38.2

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

16.7/35Growth & earnings

Income — · PAT —

10% evidence

10.0/25Capital efficiency

ROA — · ROE 2.4% · GNPA —

34% evidence

5.0/20Valuation

P/BV 1.97× · P/BV÷ROE 0.82

70% evidence

6.5/20Relative strength

RS sector -10.7% · RS bench -8.3% · 1Y -19.3%

100% evidence

28. Lufax Holding Ltd · LU

37.7/100 · Thin evidence · provisional · 29% evidence

Exact sum: 15.4 + 9.5 + 9.8 + 3 = 37.7

Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

15.4/35Growth & earnings

Income -11.2% · PAT —

18% evidence

9.5/25Capital efficiency

ROA — · ROE -0.7% · GNPA —

26% evidence

9.8/20Valuation

P/BV 0.19× · P/BV÷ROE —

10% evidence

3.0/20Relative strength

RS sector -42.3% · RS bench -40.9% · 1Y -45.6%

70% evidence

01 · compare level, then change

Income Scale & Growth Durability

American Express Company has the highest Income among the 28 Credit Services companies compared here, at $56,282 million. Visa Inc. is next at $43,027 million. Atlanticus Holdings Corporation has the highest Income growth at 68.7%, so level and change sit with different companies. 20 of 28 companies report a comparable reading, the latest through Mar 2026.

What the numbers say: American Express Company is the scale leader at $56,282 million, 30.8% ahead of Visa Inc.. Atlanticus Holdings Corporation's growth is 68.7% from a $2,303 million base, with 19 reported observations in the 20-quarter window. Treat the growth leader as an acceleration candidate, not as equally proven scale.

LeaderAmerican Express Company · $56,282 million

Gap30.8% versus #2 · Visa Inc.

Persistence8/8 recent comparable periods

Coverage20/28 companies · 515 observations

Investor read: American Express Company is the scale benchmark; Atlanticus Holdings Corporation is the acceleration watch. Promote the challenger only if growth persists and converts into margin and returns.

This conclusion weakens if: American Express Company's growth falls below Atlanticus Holdings Corporation's for two consecutive comparable reports while operating margin also compresses.

For lenders, reported income is used instead of industrial-company sales. Growth is compared year-on-year.

Incomelargest

1American Express Company AXP$56.3B

2Visa Inc. V$43.0B

3Mastercard Incorporated MA$33.9B

4PayPal Holdings, Inc. PYPL$33.7B

5Lufax Holding Ltd LU · older report$10.6B

Income growthfastest growers

1Atlanticus Holdings Corporation ATLC69%

2Upstart Holdings, Inc. UPST58%

3Sezzle Inc. SEZL47%

4SoFi Technologies, Inc. SOFI41%

5Federal Agricultural Mortgage Corporation AGM35%

Income · company comparison

20/28 level · 20/28 change

Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.

All-company data · latest reported quarter

Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.

Company	Income	Income growth	Reported
American Express Company AXP	$14.2B	11%	Mar 2026
Visa Inc. V	$11.2B	17%	Mar 2026
Capital One Financial Corporation COF	$11.2B	46%	Jun 2026
Mastercard Incorporated MA	$8.4B	16%	Mar 2026
PayPal Holdings, Inc. PYPL	$8.4B	7.2%	Mar 2026
Synchrony Financial SYF	$2.4B	6.1%	Jun 2026
Lufax Holding Ltd LU	$2.2B	3.0%	Dec 2025
Ally Financial Inc. ALLY	$1.6B	21%	Jun 2026
OneMain Holdings, Inc. OMF	$1.6B	5.9%	Mar 2026
SoFi Technologies, Inc. SOFI	$1.1B	42%	Mar 2026
FirstCash Holdings, Inc. FCFS	$1.0B	26%	Jun 2026
The Western Union Company WU	$983M	-0.1%	Mar 2026
Enova International, Inc. ENVA	$875M	17%	Jun 2026
Affirm Holdings, Inc. AFRM	$747M	38%	Mar 2026
Bread Financial Holdings, Inc. BFH	$715M	6.1%	Jun 2026
Atlanticus Holdings Corporation ATLC	$680M	97%	Mar 2026
SLM Corporation SLM	$571M	2.3%	Jun 2026
Encore Capital Group, Inc. ECPG	$475M	21%	Mar 2026
EZCORP, Inc. EZPW	$447M	46%	Mar 2026
Credit Acceptance Corporation CACC	$440M	7.6%	Mar 2026
Nelnet, Inc. NNI	$366M	-4.4%	Mar 2026
Upstart Holdings, Inc. UPST	$308M	45%	Mar 2026
Jefferson Capital, Inc. JCAP	$176M	14%	Mar 2026
Sezzle Inc. SEZL	$136M	30%	Mar 2026
World Acceptance Corporation WRLD	$127M	5.8%	Jun 2026
Federal Agricultural Mortgage Corporation AGM	$105M	13%	Mar 2026
OppFi Inc. OPFI	$87M	-4.4%	Mar 2026
Klarna Group plc KLAR	$1M	0.0%	Mar 2026

Full 20-quarter history · every available company

Income · reported quarter history

Showing the 12 largest of 28 companies with a series here. The remaining 16 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021$49M

Dec 2021$327M

Mar 2022$445M

Jun 2022$345M

Sep 2022$308M

Dec 2022$285M

Mar 2023$367M

Jun 2023$325M

Sep 2023$362M

Dec 2023$390M

Mar 2024$391M

Jun 2024$476M

Sep 2024$469M

Dec 2024$693M

Mar 2025$542M

Jun 2025$627M

Sep 2025$680M

Dec 2025$813M

Mar 2026$747M

Jun 2026—

Ally Financial Inc. · ALLY

Sep 2021$1.9B

Dec 2021$2.0B

Mar 2022$2.0B

Jun 2022$1.8B

Sep 2022$1.6B

Dec 2022$1.7B

Mar 2023$1.7B

Jun 2023$1.7B

Sep 2023$1.5B

Dec 2023$1.5B

Mar 2024$1.5B

Jun 2024$1.6B

Sep 2024$1.5B

Dec 2024$1.5B

Mar 2025$1.4B

Jun 2025$1.7B

Sep 2025$1.8B

Dec 2025$1.6B

Mar 2026$1.6B

Jun 2026—

American Express Company · AXP

Sep 2021$8.9B

Dec 2021$10.0B

Mar 2022$9.5B

Jun 2022$11.0B

Sep 2022$11.0B

Dec 2022$11.4B

Mar 2023$11.3B

Jun 2023$11.9B

Sep 2023$11.9B

Dec 2023$12.2B

Mar 2024$12.0B

Jun 2024$12.6B

Sep 2024$12.6B

Dec 2024$13.1B

Mar 2025$12.8B

Jun 2025$13.7B

Sep 2025$13.9B

Dec 2025$14.5B

Mar 2026$14.2B

Jun 2026—

Capital One Financial Corporation · COF

Sep 2021$8.2B

Dec 2021$7.7B

Mar 2022$7.5B

Jun 2022$7.1B

Sep 2022$7.1B

Dec 2022$6.6B

Mar 2023$6.1B

Jun 2023$6.5B

Sep 2023$7.1B

Dec 2023$6.6B

Mar 2024$6.7B

Jun 2024$5.6B

Sep 2024$7.5B

Dec 2024$7.5B

Mar 2025$7.6B

Jun 2025$1.1B

Sep 2025$12.6B

Dec 2025$11.4B

Mar 2026$11.2B

Jun 2026—

FirstCash Holdings, Inc. · FCFS

Sep 2021$400M

Dec 2021$453M

Mar 2022$635M

Jun 2022$621M

Sep 2022$640M

Dec 2022$714M

Mar 2023$733M

Jun 2023$722M

Sep 2023$753M

Dec 2023$820M

Mar 2024$806M

Jun 2024$800M

Sep 2024$797M

Dec 2024$842M

Mar 2025$800M

Jun 2025$789M

Sep 2025$895M

Dec 2025$1.0B

Mar 2026$1.0B

Jun 2026—

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024$1M

Jun 2024$1M

Sep 2024$1M

Dec 2024$1M

Mar 2025$1M

Jun 2025$1M

Sep 2025$1M

Dec 2025$1M

Mar 2026$1M

Jun 2026—

Mastercard Incorporated · MA

Sep 2021$5.0B

Dec 2021$5.2B

Mar 2022$5.2B

Jun 2022$5.5B

Sep 2022$5.8B

Dec 2022$5.8B

Mar 2023$5.7B

Jun 2023$6.3B

Sep 2023$6.5B

Dec 2023$6.5B

Mar 2024$6.3B

Jun 2024$7.0B

Sep 2024$7.4B

Dec 2024$7.5B

Mar 2025$7.3B

Jun 2025$8.1B

Sep 2025$8.6B

Dec 2025$8.8B

Mar 2026$8.4B

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 2021$1.3B

Dec 2021$1.3B

Mar 2022$1.3B

Jun 2022$1.2B

Sep 2022$1.3B

Dec 2022$1.3B

Mar 2023$1.3B

Jun 2023$1.3B

Sep 2023$1.4B

Dec 2023$1.4B

Mar 2024$1.4B

Jun 2024$1.4B

Sep 2024$1.5B

Dec 2024$1.5B

Mar 2025$1.5B

Jun 2025$1.5B

Sep 2025$1.6B

Dec 2025$1.6B

Mar 2026$1.6B

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 2021$6.2B

Dec 2021$6.9B

Mar 2022$6.5B

Jun 2022$6.8B

Sep 2022$6.8B

Dec 2022$7.4B

Mar 2023$7.0B

Jun 2023$7.3B

Sep 2023$7.4B

Dec 2023$8.0B

Mar 2024$7.7B

Jun 2024$7.9B

Sep 2024$7.8B

Dec 2024$8.4B

Mar 2025$7.8B

Jun 2025$8.3B

Sep 2025$8.4B

Dec 2025$8.7B

Mar 2026$8.4B

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021$270M

Dec 2021$281M

Mar 2022$317M

Jun 2022$352M

Sep 2022$408M

Dec 2022$442M

Mar 2023$464M

Jun 2023$485M

Sep 2023$515M

Dec 2023$603M

Mar 2024$638M

Jun 2024$587M

Sep 2024$691M

Dec 2024$727M

Mar 2025$766M

Jun 2025$845M

Sep 2025$952M

Dec 2025$1.0B

Mar 2026$1.1B

Jun 2026—

Synchrony Financial · SYF

Sep 2021$2.5B

Dec 2021$2.2B

Mar 2022$2.3B

Jun 2022$2.1B

Sep 2022$2.0B

Dec 2022$1.9B

Mar 2023$1.9B

Jun 2023$1.9B

Sep 2023$2.0B

Dec 2023$1.9B

Mar 2024$2.9B

Jun 2024$2.0B

Sep 2024$2.2B

Dec 2024$2.2B

Mar 2025$2.2B

Jun 2025$2.5B

Sep 2025$2.7B

Dec 2025$2.4B

Mar 2026$2.4B

Jun 2026—

Visa Inc. · V

Sep 2021$6.6B

Dec 2021$7.1B

Mar 2022$7.2B

Jun 2022$7.3B

Sep 2022$7.8B

Dec 2022$7.9B

Mar 2023$8.0B

Jun 2023$8.1B

Sep 2023$8.6B

Dec 2023$8.6B

Mar 2024$8.8B

Jun 2024$8.9B

Sep 2024$9.6B

Dec 2024$9.5B

Mar 2025$9.6B

Jun 2025$10.2B

Sep 2025$10.7B

Dec 2025$10.9B

Mar 2026$11.2B

Jun 2026—

Income growth · reported quarter history

Showing the 12 largest of 28 companies with a series here. The remaining 16 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202260%

Sep 2022529%

Dec 2022-13%

Mar 2023-18%

Jun 2023-5.8%

Sep 202318%

Dec 202337%

Mar 20246.5%

Jun 202446%

Sep 202430%

Dec 202478%

Mar 202539%

Jun 202532%

Sep 202545%

Dec 202517%

Mar 202638%

Jun 2026—

Ally Financial Inc. · ALLY

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-16%

Sep 2022-17%

Dec 2022-14%

Mar 2023-16%

Jun 2023-6.8%

Sep 2023-7.5%

Dec 2023-12%

Mar 2024-9.9%

Jun 2024-5.3%

Sep 20242.1%

Dec 2024-2.1%

Mar 2025-9.5%

Jun 20258.5%

Sep 202518%

Dec 202511%

Mar 202621%

Jun 2026—

American Express Company · AXP

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202231%

Sep 202223%

Dec 202214%

Mar 202318%

Jun 20238.3%

Sep 20238.8%

Dec 20236.8%

Mar 20246.5%

Jun 20245.5%

Sep 20245.8%

Dec 20247.8%

Mar 20256.4%

Jun 20258.5%

Sep 202510%

Dec 202510%

Mar 202611%

Jun 2026—

Capital One Financial Corporation · COF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-16%

Sep 2022-13%

Dec 2022-14%

Mar 2023-19%

Jun 2023-8.7%

Sep 2023-0.8%

Dec 20230.4%

Mar 202410%

Jun 2024-14%

Sep 20246.4%

Dec 202414%

Mar 202514%

Jun 2025-81%

Sep 202568%

Dec 202552%

Mar 202646%

Jun 2026—

FirstCash Holdings, Inc. · FCFS

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202259%

Sep 202260%

Dec 202258%

Mar 202315%

Jun 202316%

Sep 202318%

Dec 202315%

Mar 202410.0%

Jun 202411%

Sep 20245.8%

Dec 20242.7%

Mar 2025-0.7%

Jun 2025-1.4%

Sep 202512%

Dec 202520%

Mar 202626%

Jun 2026—

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024—

Jun 2024—

Sep 2024—

Dec 2024—

Mar 20250.0%

Jun 20250.0%

Sep 20250.0%

Dec 20250.0%

Mar 20260.0%

Jun 2026—

Mastercard Incorporated · MA

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202221%

Sep 202215%

Dec 202212%

Mar 202311%

Jun 202314%

Sep 202314%

Dec 202313%

Mar 202410%

Jun 202411%

Sep 202413%

Dec 202414%

Mar 202514%

Jun 202517%

Sep 202517%

Dec 202518%

Mar 202616%

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 20221.1%

Sep 20221.6%

Dec 20222.9%

Mar 20231.6%

Jun 20235.5%

Sep 20235.0%

Dec 20236.4%

Mar 20246.5%

Jun 20247.0%

Sep 20248.3%

Dec 20247.6%

Mar 202511%

Jun 20258.8%

Sep 20256.2%

Dec 20258.9%

Mar 20265.9%

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 2021—

Dec 2021—

Mar 2022—

Jun 20229.1%

Sep 202211%

Dec 20226.7%

Mar 20238.6%

Jun 20237.1%

Sep 20238.4%

Dec 20238.7%

Mar 20249.4%

Jun 20248.2%

Sep 20245.8%

Dec 20244.2%

Mar 20251.2%

Jun 20255.1%

Sep 20257.3%

Dec 20253.7%

Mar 20267.2%

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202252%

Sep 202251%

Dec 202257%

Mar 202346%

Jun 202338%

Sep 202326%

Dec 202336%

Mar 202438%

Jun 202421%

Sep 202434%

Dec 202421%

Mar 202520%

Jun 202544%

Sep 202538%

Dec 202540%

Mar 202642%

Jun 2026—

Synchrony Financial · SYF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-17%

Sep 2022-19%

Dec 2022-13%

Mar 2023-16%

Jun 2023-11%

Sep 20230.1%

Dec 2023-2.0%

Mar 202453%

Jun 20245.7%

Sep 202412%

Dec 202421%

Mar 2025-24%

Jun 202524%

Sep 202521%

Dec 20255.0%

Mar 20266.1%

Jun 2026—

Visa Inc. · V

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202219%

Sep 202219%

Dec 202212%

Mar 202311%

Jun 202312%

Sep 202311%

Dec 20238.8%

Mar 20249.9%

Jun 20249.6%

Sep 202412%

Dec 202410%

Mar 20259.3%

Jun 202514%

Sep 202512%

Dec 202515%

Mar 202617%

Jun 2026—

02 · compare level, then change

Profit Scale & Acceleration

Visa Inc. has the highest Net profit among the 28 Credit Services companies compared here, at $22,236 million. Mastercard Incorporated is next at $15,570 million. OppFi Inc. has the highest Profit growth at 90.4%, so level and change sit with different companies. 20 of 28 companies report a comparable reading, the latest through Mar 2026.

What the numbers say: Visa Inc. leads with $22,236 million of TTM profit, 42.8% above Mastercard Incorporated. OppFi Inc. shows 90.4% growth from a $179 million profit base. Compare the size of the base and persistence before ranking acceleration above profit scale.

LeaderVisa Inc. · $22,236 million

Gap42.8% versus #2 · Mastercard Incorporated

Persistence6/8 recent comparable periods

Coverage20/28 companies · 515 observations

Investor read: Visa Inc. sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.

This conclusion weakens if: The next two comparable reports reverse the current profit growth signal.

Net profit is ranked only where the comparison base is economically meaningful. Loss-to-profit flips are shown but do not win the growth table.

Net profitlargest

1Visa Inc. V$22.2B

2Mastercard Incorporated MA$15.6B

3American Express Company AXP$11.2B

4PayPal Holdings, Inc. PYPL$5.1B

5OneMain Holdings, Inc. OMF$796M

Profit growthfastest growers

1OppFi Inc. OPFI90%

2EZCORP, Inc. EZPW66%

3Credit Acceptance Corporation CACC56%

4Nelnet, Inc. NNI53%

5Sezzle Inc. SEZL41%

Net profit · company comparison

20/28 level · 15/28 change

Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.

All-company data · latest reported quarter

Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.

Company	Net profit	Profit growth	Reported
Visa Inc. V	$6.0B	32%	Mar 2026
Mastercard Incorporated MA	$3.9B	18%	Mar 2026
American Express Company AXP	$3.0B	15%	Mar 2026
Capital One Financial Corporation COF	$2.2B	55%	Jun 2026
PayPal Holdings, Inc. PYPL	$1.1B	-14%	Mar 2026
Synchrony Financial SYF	$805M	6.3%	Jun 2026
Ally Financial Inc. ALLY	$319M	200%	Jun 2026
SLM Corporation SLM	$308M	1.0%	Jun 2026
OneMain Holdings, Inc. OMF	$226M	6.1%	Mar 2026
Bread Financial Holdings, Inc. BFH	$181M	27%	Jun 2026
SoFi Technologies, Inc. SOFI	$167M	135%	Mar 2026
Credit Acceptance Corporation CACC	$136M	28%	Mar 2026
FirstCash Holdings, Inc. FCFS	$108M	29%	Jun 2026
Affirm Holdings, Inc. AFRM	$103M	3,333%	Mar 2026
Nelnet, Inc. NNI	$96M	-27%	Mar 2026
Enova International, Inc. ENVA	$91M	25%	Jun 2026
Encore Capital Group, Inc. ECPG	$86M	83%	Mar 2026
The Western Union Company WU	$65M	-48%	Mar 2026
Federal Agricultural Mortgage Corporation AGM	$59M	18%	Mar 2026
OppFi Inc. OPFI	$54M	170%	Mar 2026
Sezzle Inc. SEZL	$51M	42%	Mar 2026
EZCORP, Inc. EZPW	$50M	100%	Mar 2026
Atlanticus Holdings Corporation ATLC	$45M	45%	Mar 2026
Jefferson Capital, Inc. JCAP	$38M	-41%	Mar 2026
World Acceptance Corporation WRLD	$36M	-18%	Jun 2026
Klarna Group plc KLAR	$0M	—	Mar 2026
Upstart Holdings, Inc. UPST	$-7M	-491%	Mar 2026
Lufax Holding Ltd LU	$-596M	-653%	Dec 2025

Full 20-quarter history · every available company

Net profit · reported quarter history

Showing the 12 largest of 28 companies with a series here. The remaining 16 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021$-307M

Dec 2021$-160M

Mar 2022$-55M

Jun 2022$-186M

Sep 2022$-251M

Dec 2022$-322M

Mar 2023$-206M

Jun 2023$-206M

Sep 2023$-172M

Dec 2023$-167M

Mar 2024$-134M

Jun 2024$-45M

Sep 2024$-100M

Dec 2024$80M

Mar 2025$3M

Jun 2025$69M

Sep 2025$81M

Dec 2025$130M

Mar 2026$103M

Jun 2026—

Ally Financial Inc. · ALLY

Sep 2021$712M

Dec 2021$658M

Mar 2022$655M

Jun 2022$482M

Sep 2022$417M

Dec 2022$445M

Mar 2023$320M

Jun 2023$403M

Sep 2023$228M

Dec 2023$84M

Mar 2024$143M

Jun 2024$219M

Sep 2024$198M

Dec 2024$109M

Mar 2025$-225M

Jun 2025$352M

Sep 2025$398M

Dec 2025$327M

Mar 2026$319M

Jun 2026—

American Express Company · AXP

Sep 2021$1.8B

Dec 2021$1.7B

Mar 2022$2.1B

Jun 2022$2.0B

Sep 2022$1.9B

Dec 2022$1.6B

Mar 2023$1.8B

Jun 2023$2.2B

Sep 2023$2.5B

Dec 2023$1.9B

Mar 2024$2.4B

Jun 2024$3.0B

Sep 2024$2.5B

Dec 2024$2.2B

Mar 2025$2.6B

Jun 2025$2.9B

Sep 2025$2.9B

Dec 2025$2.5B

Mar 2026$3.0B

Jun 2026—

Capital One Financial Corporation · COF

Sep 2021$3.1B

Dec 2021$2.4B

Mar 2022$2.4B

Jun 2022$2.0B

Sep 2022$1.7B

Dec 2022$1.2B

Mar 2023$960M

Jun 2023$1.4B

Sep 2023$1.8B

Dec 2023$706M

Mar 2024$1.3B

Jun 2024$597M

Sep 2024$1.8B

Dec 2024$1.1B

Mar 2025$1.4B

Jun 2025$-4.3B

Sep 2025$1M

Dec 2025$1.8B

Mar 2026$2.2B

Jun 2026—

FirstCash Holdings, Inc. · FCFS

Sep 2021$33M

Dec 2021$29M

Mar 2022$28M

Jun 2022$86M

Sep 2022$59M

Dec 2022$80M

Mar 2023$47M

Jun 2023$45M

Sep 2023$57M

Dec 2023$70M

Mar 2024$61M

Jun 2024$49M

Sep 2024$65M

Dec 2024$84M

Mar 2025$84M

Jun 2025$60M

Sep 2025$83M

Dec 2025$104M

Mar 2026$108M

Jun 2026—

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024$0M

Jun 2024$0M

Sep 2024$0M

Dec 2024$0M

Mar 2025$0M

Jun 2025$0M

Sep 2025$0M

Dec 2025$0M

Mar 2026$0M

Jun 2026—

Mastercard Incorporated · MA

Sep 2021$2.4B

Dec 2021$2.4B

Mar 2022$2.6B

Jun 2022$2.3B

Sep 2022$2.5B

Dec 2022$2.5B

Mar 2023$2.4B

Jun 2023$2.8B

Sep 2023$3.2B

Dec 2023$2.8B

Mar 2024$3.0B

Jun 2024$3.3B

Sep 2024$3.3B

Dec 2024$3.3B

Mar 2025$3.3B

Jun 2025$3.7B

Sep 2025$3.9B

Dec 2025$4.1B

Mar 2026$3.9B

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 2021$288M

Dec 2021$263M

Mar 2022$303M

Jun 2022$208M

Sep 2022$185M

Dec 2022$176M

Mar 2023$179M

Jun 2023$103M

Sep 2023$194M

Dec 2023$165M

Mar 2024$155M

Jun 2024$71M

Sep 2024$157M

Dec 2024$126M

Mar 2025$213M

Jun 2025$167M

Sep 2025$199M

Dec 2025$204M

Mar 2026$226M

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 2021$1.1B

Dec 2021$801M

Mar 2022$509M

Jun 2022$-341M

Sep 2022$1.3B

Dec 2022$921M

Mar 2023$795M

Jun 2023$1.0B

Sep 2023$1.0B

Dec 2023$1.4B

Mar 2024$888M

Jun 2024$1.1B

Sep 2024$1.0B

Dec 2024$1.1B

Mar 2025$1.3B

Jun 2025$1.3B

Sep 2025$1.2B

Dec 2025$1.4B

Mar 2026$1.1B

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021$-30M

Dec 2021$-111M

Mar 2022$-110M

Jun 2022$-96M

Sep 2022$-74M

Dec 2022$-40M

Mar 2023$-34M

Jun 2023$-48M

Sep 2023$-267M

Dec 2023$48M

Mar 2024$88M

Jun 2024$17M

Sep 2024$61M

Dec 2024$332M

Mar 2025$71M

Jun 2025$97M

Sep 2025$139M

Dec 2025$174M

Mar 2026$167M

Jun 2026—

Synchrony Financial · SYF

Sep 2021$1.1B

Dec 2021$813M

Mar 2022$932M

Jun 2022$804M

Sep 2022$703M

Dec 2022$577M

Mar 2023$601M

Jun 2023$569M

Sep 2023$628M

Dec 2023$440M

Mar 2024$1.3B

Jun 2024$643M

Sep 2024$789M

Dec 2024$774M

Mar 2025$757M

Jun 2025$967M

Sep 2025$1.1B

Dec 2025$751M

Mar 2026$805M

Jun 2026—

Visa Inc. · V

Sep 2021$3.6B

Dec 2021$4.0B

Mar 2022$3.6B

Jun 2022$3.4B

Sep 2022$3.9B

Dec 2022$4.2B

Mar 2023$4.3B

Jun 2023$4.2B

Sep 2023$4.7B

Dec 2023$4.9B

Mar 2024$4.7B

Jun 2024$4.9B

Sep 2024$5.3B

Dec 2024$5.1B

Mar 2025$4.6B

Jun 2025$5.3B

Sep 2025$5.1B

Dec 2025$5.9B

Mar 2026$6.0B

Jun 2026—

Profit growth · reported quarter history

Showing the 12 largest of 27 companies with a series here. The remaining 15 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024—

Jun 2024—

Sep 2024—

Dec 2024—

Mar 2025—

Jun 2025—

Sep 2025—

Dec 202563%

Mar 20263,333%

Jun 2026—

Ally Financial Inc. · ALLY

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-46%

Sep 2022-41%

Dec 2022-32%

Mar 2023-51%

Jun 2023-16%

Sep 2023-45%

Dec 2023-81%

Mar 2024-55%

Jun 2024-46%

Sep 2024-13%

Dec 202430%

Mar 2025-257%

Jun 202561%

Sep 2025101%

Dec 2025200%

Mar 2026—

Jun 2026—

American Express Company · AXP

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-14%

Sep 20222.9%

Dec 2022-8.6%

Mar 2023-13%

Jun 202311%

Sep 202330%

Dec 202323%

Mar 202434%

Jun 202439%

Sep 20242.3%

Dec 202412%

Mar 20256.0%

Jun 2025-4.3%

Sep 202516%

Dec 202513%

Mar 202615%

Jun 2026—

Capital One Financial Corporation · COF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-43%

Sep 2022-45%

Dec 2022-49%

Mar 2023-60%

Jun 2023-30%

Sep 20235.7%

Dec 2023-43%

Mar 202433%

Jun 2024-58%

Sep 2024-0.7%

Dec 202455%

Mar 20259.7%

Jun 2025-814%

Sep 2025-100%

Dec 202560%

Mar 202655%

Jun 2026—

Enova International, Inc. · ENVA

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-36%

Sep 20220.0%

Dec 20224.1%

Mar 2023-1.9%

Jun 2023-7.7%

Sep 2023-21%

Dec 2023-31%

Mar 2024-5.9%

Jun 202413%

Sep 20244.9%

Dec 202483%

Mar 202552%

Jun 202541%

Sep 202586%

Dec 202523%

Mar 202625%

Jun 2026—

FirstCash Holdings, Inc. · FCFS

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022207%

Sep 202279%

Dec 2022176%

Mar 202368%

Jun 2023-48%

Sep 2023-3.4%

Dec 2023-13%

Mar 202430%

Jun 20248.9%

Sep 202414%

Dec 202420%

Mar 202538%

Jun 202522%

Sep 202528%

Dec 202524%

Mar 202629%

Jun 2026—

Mastercard Incorporated · MA

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202210%

Sep 20223.5%

Dec 20226.1%

Mar 2023-10%

Jun 202325%

Sep 202328%

Dec 202311%

Mar 202428%

Jun 202415%

Sep 20242.0%

Dec 202420%

Mar 20258.9%

Jun 202514%

Sep 202520%

Dec 202521%

Mar 202618%

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-41%

Sep 2022-36%

Dec 2022-33%

Mar 2023-41%

Jun 2023-50%

Sep 20234.9%

Dec 2023-6.3%

Mar 2024-13%

Jun 2024-31%

Sep 2024-19%

Dec 2024-24%

Mar 202537%

Jun 2025135%

Sep 202527%

Dec 202562%

Mar 20266.1%

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-129%

Sep 202222%

Dec 202215%

Mar 202356%

Jun 2023—

Sep 2023-23%

Dec 202352%

Mar 202412%

Jun 20249.6%

Sep 2024-1.0%

Dec 2024-20%

Mar 202545%

Jun 202512%

Sep 202524%

Dec 202528%

Mar 2026-14%

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024—

Jun 2024—

Sep 2024—

Dec 2024592%

Mar 2025-19%

Jun 2025471%

Sep 2025128%

Dec 2025-48%

Mar 2026135%

Jun 2026—

Synchrony Financial · SYF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022-35%

Sep 2022-38%

Dec 2022-29%

Mar 2023-36%

Jun 2023-29%

Sep 2023-11%

Dec 2023-24%

Mar 2024115%

Jun 202413%

Sep 202426%

Dec 202476%

Mar 2025-41%

Jun 202550%

Sep 202537%

Dec 2025-3.0%

Mar 20266.3%

Jun 2026—

Visa Inc. · V

Sep 2021—

Dec 2021—

Mar 2022—

Jun 202232%

Sep 20229.9%

Dec 20225.6%

Mar 202317%

Jun 202322%

Sep 202319%

Dec 202317%

Mar 20249.5%

Jun 202417%

Sep 202414%

Dec 20244.7%

Mar 2025-1.8%

Jun 20258.2%

Sep 2025-4.3%

Dec 202514%

Mar 202632%

Jun 2026—

03 · compare level, then change

Funding Base & Its Composition

Capital One Financial Corporation has the highest Deposits among the 28 Credit Services companies compared here, at $484,257 million. Ally Financial Inc. is next at $154,046 million. Lufax Holding Ltd has the highest Borrowings at $98,961 million, so level and change sit with different companies. 7 of 28 companies report a comparable reading, the latest through Jun 2026.

What the numbers say: Capital One Financial Corporation leads deposits at $484,257 million; Lufax Holding Ltd leads borrowings at $98,961 million.

LeaderCapital One Financial Corporation · $484,257 million

Gap214.4% versus #2 · Ally Financial Inc.

Persistence8/8 recent comparable periods

Coverage7/28 companies · 123 observations

Investor read: Capital One Financial Corporation sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.

This conclusion weakens if: The next two comparable reports reverse the current borrowings signal.

For banks, debt is operating funding rather than industrial leverage. Deposits and borrowings are therefore shown as funding-base levels; asset quality, funding cost and liquidity determine whether that funding is attractive.

Depositslargest deposit bases

1Capital One Financial Corporation COF$484.3B

2Ally Financial Inc. ALLY$154.0B

3Synchrony Financial SYF$82.8B

4SoFi Technologies, Inc. SOFI$40.2B

5SLM Corporation SLM$19.9B

Borrowingslargest borrowings

1Lufax Holding Ltd LU · older report$99.0B

2American Express Company AXP$60.4B

3Capital One Financial Corporation COF$45.4B

4Visa Inc. V$24.0B

5OneMain Holdings, Inc. OMF$22.4B

Funding base · company comparison

7/28 level · 28/28 change

Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.

All-company data · latest reported quarter

Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.

Company	Deposits	Borrowings	Reported
Capital One Financial Corporation COF	$484.3B	$45.4B	Jun 2026
Ally Financial Inc. ALLY	$154.0B	$17.1B	Jun 2026
Synchrony Financial SYF	$82.8B	$16.4B	Jun 2026
SoFi Technologies, Inc. SOFI	$40.2B	$1.8B	Mar 2026
SLM Corporation SLM	$19.9B	$5.8B	Jun 2026
Bread Financial Holdings, Inc. BFH	$14.7B	$3.3B	Jun 2026
Lufax Holding Ltd LU	$9.5B	$99.0B	Dec 2025
Visa Inc. V	—	$24.0B	Mar 2026
Mastercard Incorporated MA	—	$19.0B	Mar 2026
American Express Company AXP	—	$60.4B	Mar 2026
PayPal Holdings, Inc. PYPL	—	$9.4B	Mar 2026
Affirm Holdings, Inc. AFRM	—	$8.9B	Mar 2026
FirstCash Holdings, Inc. FCFS	—	$2.3B	Jun 2026
OneMain Holdings, Inc. OMF	—	$22.4B	Mar 2026
Klarna Group plc KLAR	—	$1.4B	Mar 2026
Enova International, Inc. ENVA	—	$5.0B	Jun 2026
Credit Acceptance Corporation CACC	—	$1.1B	Mar 2026
Sezzle Inc. SEZL	—	$145M	Mar 2026
Nelnet, Inc. NNI	—	$7.7B	Mar 2026
Upstart Holdings, Inc. UPST	—	$1.9B	Mar 2026
The Western Union Company WU	—	$2.6B	Mar 2026
Federal Agricultural Mortgage Corporation AGM	—	$2.3B	Mar 2026
Encore Capital Group, Inc. ECPG	—	$4.0B	Mar 2026
EZCORP, Inc. EZPW	—	$799M	Mar 2026
Atlanticus Holdings Corporation ATLC	—	$6.4B	Mar 2026
Jefferson Capital, Inc. JCAP	—	$1.4B	Mar 2026
World Acceptance Corporation WRLD	—	$468M	Jun 2026
OppFi Inc. OPFI	—	$295M	Mar 2026

Full 20-quarter history · every available company

Deposits · reported quarter history

Ally Financial Inc. · ALLY

Sep 2021$139.4B

Dec 2021$141.6B

Mar 2022$142.5B

Jun 2022$140.4B

Sep 2022$145.8B

Dec 2022$152.3B

Mar 2023$154.0B

Jun 2023$154.3B

Sep 2023$152.8B

Dec 2023$154.7B

Mar 2024$155.1B

Jun 2024$152.2B

Sep 2024$152.0B

Dec 2024$151.6B

Mar 2025$151.4B

Jun 2025$147.9B

Sep 2025$148.4B

Dec 2025$151.6B

Mar 2026$153.2B

Jun 2026$154.0B

Bread Financial Holdings, Inc. · BFH

Sep 2021$2.1B

Dec 2021$11.0B

Mar 2022$10.6B

Jun 2022$11.0B

Sep 2022$12.4B

Dec 2022$13.8B

Mar 2023$13.1B

Jun 2023$13.0B

Sep 2023$13.3B

Dec 2023$13.6B

Mar 2024$13.3B

Jun 2024$13.0B

Sep 2024$12.8B

Dec 2024$13.1B

Mar 2025$13.1B

Jun 2025$13.3B

Sep 2025$13.5B

Dec 2025$13.9B

Mar 2026—

Jun 2026$14.7B

Capital One Financial Corporation · COF

Sep 2021$305.9B

Dec 2021$311.0B

Mar 2022$313.4B

Jun 2022$307.9B

Sep 2022$317.2B

Dec 2022$333.0B

Mar 2023$349.8B

Jun 2023$343.7B

Sep 2023$346.0B

Dec 2023$348.4B

Mar 2024$351.0B

Jun 2024$351.4B

Sep 2024$353.6B

Dec 2024$362.7B

Mar 2025$367.5B

Jun 2025$468.1B

Sep 2025$468.8B

Dec 2025$475.8B

Mar 2026$489.1B

Jun 2026$484.3B

Lufax Holding Ltd · LU

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024—

Jun 2024$3.1B

Sep 2024$3.4B

Dec 2024$3.9B

Mar 2025$5.4B

Jun 2025$5.4B

Sep 2025$9.5B

Dec 2025$9.5B

Mar 2026—

Jun 2026—

SLM Corporation · SLM

Sep 2021$20.9B

Dec 2021$20.8B

Mar 2022$21.2B

Jun 2022$20.0B

Sep 2022$21.3B

Dec 2022$21.4B

Mar 2023$21.8B

Jun 2023$20.4B

Sep 2023$21.6B

Dec 2023$21.7B

Mar 2024$20.9B

Jun 2024$20.7B

Sep 2024$21.4B

Dec 2024$21.1B

Mar 2025$20.5B

Jun 2025$20.5B

Sep 2025$20.0B

Dec 2025$21.1B

Mar 2026$20.5B

Jun 2026$19.9B

SoFi Technologies, Inc. · SOFI

Sep 2021—

Dec 2021—

Mar 2022$1.2B

Jun 2022$2.7B

Sep 2022$5.0B

Dec 2022$7.3B

Mar 2023$10.1B

Jun 2023$12.7B

Sep 2023$15.7B

Dec 2023$18.6B

Mar 2024$21.6B

Jun 2024$23.0B

Sep 2024$24.4B

Dec 2024$26.0B

Mar 2025$27.3B

Jun 2025$29.5B

Sep 2025$32.9B

Dec 2025$37.5B

Mar 2026$40.2B

Jun 2026—

Synchrony Financial · SYF

Sep 2021$60.4B

Dec 2021$62.3B

Mar 2022$63.6B

Jun 2022$64.7B

Sep 2022$68.4B

Dec 2022$71.7B

Mar 2023$74.4B

Jun 2023$75.8B

Sep 2023$78.1B

Dec 2023$81.2B

Mar 2024$83.6B

Jun 2024$83.1B

Sep 2024$82.3B

Dec 2024$82.1B

Mar 2025$83.4B

Jun 2025$82.3B

Sep 2025$79.9B

Dec 2025$81.1B

Mar 2026$82.9B

Jun 2026$82.8B

Borrowings · reported quarter history

Showing the 12 largest of 28 companies with a series here. The remaining 16 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021$2.1B

Dec 2021$3.9B

Mar 2022$4.1B

Jun 2022$4.0B

Sep 2022$4.2B

Dec 2022$4.9B

Mar 2023$4.7B

Jun 2023$5.3B

Sep 2023$5.5B

Dec 2023$6.1B

Mar 2024$6.2B

Jun 2024$6.4B

Sep 2024$6.9B

Dec 2024$7.3B

Mar 2025$7.1B

Jun 2025$7.6B

Sep 2025$7.7B

Dec 2025$9.0B

Mar 2026$8.9B

Jun 2026—

Ally Financial Inc. · ALLY

Sep 2021$14.9B

Dec 2021$17.0B

Mar 2022$15.9B

Jun 2022$17.0B

Sep 2022$16.6B

Dec 2022$17.8B

Mar 2023$20.5B

Jun 2023$20.1B

Sep 2023$20.1B

Dec 2023$17.6B

Mar 2024$17.0B

Jun 2024$16.0B

Sep 2024$16.8B

Dec 2024$17.5B

Mar 2025$16.5B

Jun 2025$15.9B

Sep 2025$17.7B

Dec 2025$17.1B

Mar 2026$19.4B

Jun 2026$17.1B

American Express Company · AXP

Sep 2021$36.7B

Dec 2021$40.9B

Mar 2022$40.5B

Jun 2022$42.5B

Sep 2022$43.9B

Dec 2022$43.9B

Mar 2023$42.9B

Jun 2023$48.3B

Sep 2023$48.1B

Dec 2023$49.2B

Mar 2024$50.6B

Jun 2024$53.2B

Sep 2024$55.0B

Dec 2024$51.1B

Mar 2025$52.8B

Jun 2025$59.7B

Sep 2025$59.2B

Dec 2025$57.8B

Mar 2026$60.4B

Jun 2026—

Capital One Financial Corporation · COF

Sep 2021$37.5B

Dec 2021$43.1B

Mar 2022$45.4B

Jun 2022$58.9B

Sep 2022$54.6B

Dec 2022$48.7B

Mar 2023$48.8B

Jun 2023$50.3B

Sep 2023$49.2B

Dec 2023$49.9B

Mar 2024$50.4B

Jun 2024$48.0B

Sep 2024$49.3B

Dec 2024$45.6B

Mar 2025$41.8B

Jun 2025$52.7B

Sep 2025$51.5B

Dec 2025$51.0B

Mar 2026$51.9B

Jun 2026$45.4B

FirstCash Holdings, Inc. · FCFS

Sep 2021$739M

Dec 2021$1.3B

Mar 2022$1.3B

Jun 2022$1.3B

Sep 2022$1.4B

Dec 2022$1.4B

Mar 2023$1.3B

Jun 2023$1.4B

Sep 2023$1.6B

Dec 2023$1.6B

Mar 2024$1.5B

Jun 2024$1.7B

Sep 2024$1.7B

Dec 2024$1.7B

Mar 2025$1.7B

Jun 2025$1.7B

Sep 2025$2.2B

Dec 2025$2.2B

Mar 2026$2.3B

Jun 2026$2.3B

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022$466M

Dec 2022$466M

Mar 2023—

Jun 2023—

Sep 2023$324M

Dec 2023$324M

Mar 2024—

Jun 2024—

Sep 2024$513M

Dec 2024$513M

Mar 2025$534M

Jun 2025$727M

Sep 2025$2.6B

Dec 2025$1.4B

Mar 2026$1.4B

Jun 2026—

Mastercard Incorporated · MA

Sep 2021$13.9B

Dec 2021$13.9B

Mar 2022$14.6B

Jun 2022$14.5B

Sep 2022$14.5B

Dec 2022$14.0B

Mar 2023$15.6B

Jun 2023$15.6B

Sep 2023$15.6B

Dec 2023$15.7B

Mar 2024$15.6B

Jun 2024$15.6B

Sep 2024$18.4B

Dec 2024$18.2B

Mar 2025$18.8B

Jun 2025$19.0B

Sep 2025$19.0B

Dec 2025$19.0B

Mar 2026$19.0B

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 2021$17.7B

Dec 2021$17.8B

Mar 2022$17.6B

Jun 2022$17.9B

Sep 2022$18.2B

Dec 2022$18.3B

Mar 2023$18.2B

Jun 2023$19.2B

Sep 2023$19.9B

Dec 2023$19.8B

Mar 2024$19.5B

Jun 2024$20.7B

Sep 2024$21.1B

Dec 2024$21.4B

Mar 2025$21.5B

Jun 2025$22.1B

Sep 2025$22.3B

Dec 2025$22.7B

Mar 2026$22.4B

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 2021$7.9B

Dec 2021$8.0B

Mar 2022$8.2B

Jun 2022$10.2B

Sep 2022$10.2B

Dec 2022$10.4B

Mar 2023$10.5B

Jun 2023$10.5B

Sep 2023$10.6B

Dec 2023$9.7B

Mar 2024$9.7B

Jun 2024$9.7B

Sep 2024$10.0B

Dec 2024$9.9B

Mar 2025$11.4B

Jun 2025$11.3B

Sep 2025$11.3B

Dec 2025$10.0B

Mar 2026$9.4B

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021$2.9B

Dec 2021$4.0B

Mar 2022$5.0B

Jun 2022$3.8B

Sep 2022$4.6B

Dec 2022$5.5B

Mar 2023$6.1B

Jun 2023$6.5B

Sep 2023$6.3B

Dec 2023$5.2B

Mar 2024$2.9B

Jun 2024$3.1B

Sep 2024$3.2B

Dec 2024$3.1B

Mar 2025$3.0B

Jun 2025$3.9B

Sep 2025$2.7B

Dec 2025$1.8B

Mar 2026$1.8B

Jun 2026—

Synchrony Financial · SYF

Sep 2021$12.8B

Dec 2021$14.5B

Mar 2022$13.4B

Jun 2022$12.2B

Sep 2022$14.3B

Dec 2022$14.2B

Mar 2023$14.9B

Jun 2023$14.2B

Sep 2023$15.2B

Dec 2023$16.0B

Mar 2024$16.1B

Jun 2024$15.6B

Sep 2024$15.6B

Dec 2024$15.5B

Mar 2025$17.0B

Jun 2025$16.0B

Sep 2025$14.4B

Dec 2025$15.2B

Mar 2026$16.4B

Jun 2026$16.4B

Visa Inc. · V

Sep 2021$21.0B

Dec 2021$20.9B

Mar 2022$21.0B

Jun 2022$23.8B

Sep 2022$22.5B

Dec 2022$20.5B

Mar 2023$20.6B

Jun 2023$20.6B

Sep 2023$20.5B

Dec 2023$20.7B

Mar 2024$20.6B

Jun 2024$20.6B

Sep 2024$20.8B

Dec 2024$20.6B

Mar 2025$20.8B

Jun 2025$25.1B

Sep 2025$25.2B

Dec 2025$21.2B

Mar 2026$24.0B

Jun 2026—

04 · compare level, then change

Return On Assets

Sezzle Inc. has the highest ROA among the 28 Credit Services companies compared here, at 14.3%. Mastercard Incorporated is next at 7.8%. Visa Inc. has the highest ROA change at +1.6 percentage points, so level and change sit with different companies. 14 of 28 companies report a comparable reading, the latest through Mar 2026.

What the numbers say: Sezzle Inc. leads roa at 14.3%; Visa Inc. leads roa change at +1.6 percentage points.

LeaderSezzle Inc. · 14.3%

Gap83.3% versus #2 · Mastercard Incorporated

Persistence6/8 recent comparable periods

Coverage14/28 companies · 249 observations

Investor read: Sezzle Inc. sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.

This conclusion weakens if: The next two comparable reports reverse the current roa change signal.

ROA is the cleanest first comparison for lenders because the balance sheet is the operating asset.

ROAhighest

1Sezzle Inc. SEZL14%

2Mastercard Incorporated MA7.8%

3Visa Inc. V6.5%

4Jefferson Capital, Inc. JCAP5.7%

5OppFi Inc. OPFI4.8%

ROA changefastest improvers

1Visa Inc. V+1.6 pp

2Klarna Group plc KLAR+1.2 pp

3EZCORP, Inc. EZPW+1.1 pp

4Mastercard Incorporated MA+0.4 pp

5Enova International, Inc. ENVA+0.1 pp

Return on assets · company comparison

14/28 level · 14/28 change

Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.

All-company data · latest reported quarter

Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.

Company	ROA	ROA change	Reported
Sezzle Inc. SEZL	14%	−1.2 pp	Mar 2026
Mastercard Incorporated MA	7.8%	+0.4 pp	Mar 2026
Visa Inc. V	6.5%	+1.6 pp	Mar 2026
Jefferson Capital, Inc. JCAP	5.7%	−34,58,094.3 pp	Mar 2026
OppFi Inc. OPFI	4.8%	−1.7 pp	Mar 2026
Enova International, Inc. ENVA	2.7%	+0.1 pp	Jun 2026
EZCORP, Inc. EZPW	2.6%	+1.1 pp	Mar 2026
PayPal Holdings, Inc. PYPL	1.5%	0.0 pp	Mar 2026
The Western Union Company WU	1.1%	−0.7 pp	Mar 2026
OneMain Holdings, Inc. OMF	0.9%	0.0 pp	Mar 2026
Atlanticus Holdings Corporation ATLC	0.8%	−0.2 pp	Mar 2026
Klarna Group plc KLAR	0.0%	+1.2 pp	Mar 2026
American Express Company AXP	-0.2%	0.0 pp	Mar 2026
Upstart Holdings, Inc. UPST	-0.3%	−0.1 pp	Mar 2026

Full 20-quarter history · every available company

ROA · reported quarter history

Showing the 12 largest of 14 companies with a series here. The remaining 2 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

American Express Company · AXP

Sep 20210.2%

Dec 20210.1%

Mar 20220.2%

Jun 20220.1%

Sep 20220.0%

Dec 2022-0.4%

Mar 2023-0.3%

Jun 2023-0.1%

Sep 2023-0.1%

Dec 2023-0.3%

Mar 2024-0.2%

Jun 20240.0%

Sep 2024-0.2%

Dec 2024-0.4%

Mar 2025-0.2%

Jun 2025-0.2%

Sep 2025-0.2%

Dec 2025-0.4%

Mar 2026-0.2%

Jun 2026—

Atlanticus Holdings Corporation · ATLC

Sep 202111%

Dec 20218.5%

Mar 202214%

Jun 20227.5%

Sep 20226.4%

Dec 20225.0%

Mar 20231.2%

Jun 20231.1%

Sep 20231.0%

Dec 20231.0%

Mar 20241.0%

Jun 20240.9%

Sep 20241.0%

Dec 20241.0%

Mar 20251.0%

Jun 20250.9%

Sep 20250.5%

Dec 20250.6%

Mar 20260.8%

Jun 2026—

Enova International, Inc. · ENVA

Sep 20213.2%

Dec 20212.6%

Mar 20222.7%

Jun 20222.4%

Sep 20222.5%

Dec 20222.4%

Mar 20232.5%

Jun 20232.3%

Sep 20232.0%

Dec 20231.9%

Mar 20242.3%

Jun 20242.4%

Sep 20242.6%

Dec 20242.6%

Mar 20252.7%

Jun 20252.6%

Sep 20252.6%

Dec 20252.5%

Mar 20262.7%

Jun 20262.7%

EZCORP, Inc. · EZPW

Sep 20210.2%

Dec 20211.3%

Mar 20221.4%

Jun 20221.0%

Sep 20220.6%

Dec 20221.4%

Mar 20231.8%

Jun 20231.3%

Sep 20230.9%

Dec 20231.9%

Mar 20241.4%

Jun 20241.2%

Sep 20241.0%

Dec 20242.1%

Mar 20251.5%

Jun 20251.6%

Sep 20251.6%

Dec 20252.6%

Mar 20262.6%

Jun 2026—

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 20220.0%

Dec 20220.0%

Mar 2023—

Jun 2023—

Sep 20230.0%

Dec 20230.0%

Mar 2024—

Jun 2024—

Sep 20240.1%

Dec 2024-0.6%

Mar 2025-1.2%

Jun 2025-0.6%

Sep 2025-0.5%

Dec 2025-0.1%

Mar 20260.0%

Jun 2026—

Mastercard Incorporated · MA

Sep 20217.0%

Dec 20216.7%

Mar 20227.8%

Jun 20226.9%

Sep 20226.9%

Dec 20226.8%

Mar 20236.8%

Jun 20237.5%

Sep 20238.5%

Dec 20237.0%

Mar 20247.5%

Jun 20248.2%

Sep 20247.8%

Dec 20247.5%

Mar 20257.4%

Jun 20258.1%

Sep 20257.9%

Dec 20258.0%

Mar 20267.8%

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 20211.3%

Dec 20211.2%

Mar 20221.4%

Jun 20220.9%

Sep 20220.8%

Dec 20220.8%

Mar 20230.8%

Jun 20230.5%

Sep 20230.8%

Dec 20230.7%

Mar 20240.7%

Jun 20240.3%

Sep 20240.6%

Dec 20240.5%

Mar 20250.9%

Jun 20250.6%

Sep 20250.8%

Dec 20250.8%

Mar 20260.9%

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 20211.4%

Dec 20211.6%

Mar 20220.8%

Jun 2022-7.0%

Sep 20221.2%

Dec 20221.3%

Mar 20231.0%

Jun 20231.2%

Sep 20231.3%

Dec 20231.7%

Mar 20241.1%

Jun 20241.3%

Sep 20241.3%

Dec 20241.4%

Mar 20251.5%

Jun 20251.5%

Sep 20251.5%

Dec 20251.7%

Mar 20261.5%

Jun 2026—

Sezzle Inc. · SEZL

Sep 2021-10%

Dec 2021-12%

Mar 2022-15%

Jun 2022-8.3%

Sep 2022-9.5%

Dec 20222.4%

Mar 20233.2%

Jun 20232.3%

Sep 20233.1%

Dec 20233.3%

Mar 20247.6%

Jun 202420%

Sep 20248.4%

Dec 202411%

Mar 202516%

Jun 202511%

Sep 20259.7%

Dec 202513%

Mar 202614%

Jun 2026—

The Western Union Company · WU

Sep 20212.9%

Dec 20213.2%

Mar 20222.2%

Jun 20222.4%

Sep 20222.3%

Dec 20222.0%

Mar 20232.1%

Jun 20232.3%

Sep 20232.1%

Dec 20231.7%

Mar 20242.0%

Jun 20242.0%

Sep 20244.1%

Dec 20245.6%

Mar 20251.8%

Jun 20251.8%

Sep 20252.2%

Dec 20251.7%

Mar 20261.1%

Jun 2026—

Upstart Holdings, Inc. · UPST

Sep 20213.3%

Dec 20215.2%

Mar 20223.7%

Jun 2022-2.9%

Sep 2022-3.3%

Dec 2022-3.1%

Mar 2023-8.2%

Jun 2023-2.2%

Sep 2023-2.2%

Dec 2023-2.4%

Mar 2024-3.6%

Jun 2024-3.1%

Sep 2024-2.4%

Dec 2024-0.2%

Mar 2025-0.2%

Jun 20250.2%

Sep 20251.0%

Dec 20250.7%

Mar 2026-0.3%

Jun 2026—

Visa Inc. · V

Sep 20214.4%

Dec 20214.8%

Mar 20224.8%

Jun 20224.4%

Sep 20224.9%

Dec 20225.1%

Mar 20235.1%

Jun 20234.6%

Sep 20235.2%

Dec 20235.5%

Mar 20245.1%

Jun 20245.4%

Sep 20245.7%

Dec 20245.6%

Mar 20254.9%

Jun 20255.4%

Sep 20255.2%

Dec 20256.2%

Mar 20266.5%

Jun 2026—

ROA change · reported quarter history

Showing the 12 largest of 14 companies with a series here. The remaining 2 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

American Express Company · AXP

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.2 pp

Dec 2022−0.5 pp

Mar 2023−0.5 pp

Jun 2023−0.2 pp

Sep 2023−0.1 pp

Dec 2023+0.1 pp

Mar 2024+0.1 pp

Jun 2024+0.1 pp

Sep 2024−0.1 pp

Dec 2024−0.1 pp

Mar 20250.0 pp

Jun 2025−0.2 pp

Sep 20250.0 pp

Dec 20250.0 pp

Mar 20260.0 pp

Jun 2026—

Atlanticus Holdings Corporation · ATLC

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−4.8 pp

Dec 2022−3.5 pp

Mar 2023−12.3 pp

Jun 2023−6.4 pp

Sep 2023−5.4 pp

Dec 2023−4.0 pp

Mar 2024−0.2 pp

Jun 2024−0.2 pp

Sep 20240.0 pp

Dec 20240.0 pp

Mar 20250.0 pp

Jun 20250.0 pp

Sep 2025−0.5 pp

Dec 2025−0.4 pp

Mar 2026−0.2 pp

Jun 2026—

Enova International, Inc. · ENVA

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.7 pp

Dec 2022−0.2 pp

Mar 2023−0.2 pp

Jun 2023−0.1 pp

Sep 2023−0.5 pp

Dec 2023−0.5 pp

Mar 2024−0.2 pp

Jun 2024+0.1 pp

Sep 2024+0.6 pp

Dec 2024+0.7 pp

Mar 2025+0.4 pp

Jun 2025+0.2 pp

Sep 20250.0 pp

Dec 2025−0.1 pp

Mar 20260.0 pp

Jun 2026+0.1 pp

EZCORP, Inc. · EZPW

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022+0.4 pp

Dec 2022+0.1 pp

Mar 2023+0.4 pp

Jun 2023+0.3 pp

Sep 2023+0.3 pp

Dec 2023+0.5 pp

Mar 2024−0.4 pp

Jun 2024−0.1 pp

Sep 2024+0.1 pp

Dec 2024+0.2 pp

Mar 2025+0.1 pp

Jun 2025+0.4 pp

Sep 2025+0.6 pp

Dec 2025+0.5 pp

Mar 2026+1.1 pp

Jun 2026—

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 20230.0 pp

Dec 20230.0 pp

Mar 2024—

Jun 2024—

Sep 2024+0.1 pp

Dec 2024−0.6 pp

Mar 2025—

Jun 2025—

Sep 2025−0.6 pp

Dec 2025+0.5 pp

Mar 2026+1.2 pp

Jun 2026—

Mastercard Incorporated · MA

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.1 pp

Dec 2022+0.1 pp

Mar 2023−1.0 pp

Jun 2023+0.6 pp

Sep 2023+1.6 pp

Dec 2023+0.2 pp

Mar 2024+0.7 pp

Jun 2024+0.7 pp

Sep 2024−0.7 pp

Dec 2024+0.5 pp

Mar 2025−0.1 pp

Jun 2025−0.1 pp

Sep 2025+0.1 pp

Dec 2025+0.5 pp

Mar 2026+0.4 pp

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.5 pp

Dec 2022−0.4 pp

Mar 2023−0.6 pp

Jun 2023−0.4 pp

Sep 20230.0 pp

Dec 2023−0.1 pp

Mar 2024−0.1 pp

Jun 2024−0.2 pp

Sep 2024−0.2 pp

Dec 2024−0.2 pp

Mar 2025+0.2 pp

Jun 2025+0.3 pp

Sep 2025+0.2 pp

Dec 2025+0.3 pp

Mar 20260.0 pp

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.2 pp

Dec 2022−0.3 pp

Mar 2023+0.2 pp

Jun 2023+8.2 pp

Sep 2023+0.1 pp

Dec 2023+0.4 pp

Mar 2024+0.1 pp

Jun 2024+0.1 pp

Sep 20240.0 pp

Dec 2024−0.3 pp

Mar 2025+0.4 pp

Jun 2025+0.2 pp

Sep 2025+0.2 pp

Dec 2025+0.3 pp

Mar 20260.0 pp

Jun 2026—

Sezzle Inc. · SEZL

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022+0.8 pp

Dec 2022+14.7 pp

Mar 2023+18.3 pp

Jun 2023+10.6 pp

Sep 2023+12.6 pp

Dec 2023+0.9 pp

Mar 2024+4.4 pp

Jun 2024+17.6 pp

Sep 2024+5.3 pp

Dec 2024+7.8 pp

Mar 2025+7.9 pp

Jun 2025−9.1 pp

Sep 2025+1.3 pp

Dec 2025+2.0 pp

Mar 2026−1.2 pp

Jun 2026—

The Western Union Company · WU

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.6 pp

Dec 2022−1.2 pp

Mar 2023−0.1 pp

Jun 2023−0.1 pp

Sep 2023−0.2 pp

Dec 2023−0.3 pp

Mar 2024−0.1 pp

Jun 2024−0.3 pp

Sep 2024+2.0 pp

Dec 2024+3.9 pp

Mar 2025−0.2 pp

Jun 2025−0.2 pp

Sep 2025−1.9 pp

Dec 2025−3.9 pp

Mar 2026−0.7 pp

Jun 2026—

Upstart Holdings, Inc. · UPST

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−6.6 pp

Dec 2022−8.3 pp

Mar 2023−11.9 pp

Jun 2023+0.7 pp

Sep 2023+1.1 pp

Dec 2023+0.7 pp

Mar 2024+4.6 pp

Jun 2024−0.9 pp

Sep 2024−0.2 pp

Dec 2024+2.2 pp

Mar 2025+3.4 pp

Jun 2025+3.3 pp

Sep 2025+3.4 pp

Dec 2025+0.9 pp

Mar 2026−0.1 pp

Jun 2026—

Visa Inc. · V

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022+0.5 pp

Dec 2022+0.3 pp

Mar 2023+0.3 pp

Jun 2023+0.2 pp

Sep 2023+0.3 pp

Dec 2023+0.4 pp

Mar 20240.0 pp

Jun 2024+0.8 pp

Sep 2024+0.5 pp

Dec 2024+0.1 pp

Mar 2025−0.2 pp

Jun 20250.0 pp

Sep 2025−0.5 pp

Dec 2025+0.6 pp

Mar 2026+1.6 pp

Jun 2026—

05 · compare level, then change

ROE — Leaders & Improvers

Mastercard Incorporated has the highest ROE among the 28 Credit Services companies compared here, at 57.9%. Sezzle Inc. is next at 31.8%. The same company also holds the highest ROE change, at +11 percentage points. 28 of 28 companies report a comparable reading, the latest through Mar 2026. Its ROE series carries 19 reported observations across the 20-quarter window.

What the numbers say: Mastercard Incorporated leads both roe at 57.9% and roe change at +11 percentage points.

LeaderMastercard Incorporated · 57.9%

Gap82.1% versus #2 · Sezzle Inc.

Persistence5/8 recent comparable periods

Coverage28/28 companies · 521 observations

Investor read: Mastercard Incorporated sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.

This conclusion weakens if: The next two comparable reports reverse the current roe change signal.

ROE shows the return to shareholders, but should be read with asset quality and leverage.

ROEhighest

1Mastercard Incorporated MA58%

2Sezzle Inc. SEZL32%

3OppFi Inc. OPFI19%

4Visa Inc. V16%

5Encore Capital Group, Inc. ECPG9.3%

ROE changefastest improvers

1Mastercard Incorporated MA+11.0 pp

2OppFi Inc. OPFI+9.2 pp

3Klarna Group plc KLAR+8.5 pp

4Capital One Financial Corporation COF+7.7 pp

5Visa Inc. V+4.6 pp

Return on equity · company comparison

28/28 level · 28/28 change

Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.

All-company data · latest reported quarter

Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.

Company	ROE	ROE change	Reported
Mastercard Incorporated MA	58%	+11.0 pp	Mar 2026
Sezzle Inc. SEZL	32%	−14.8 pp	Mar 2026
OppFi Inc. OPFI	19%	+9.2 pp	Mar 2026
Visa Inc. V	16%	+4.6 pp	Mar 2026
Encore Capital Group, Inc. ECPG	9.3%	+4.0 pp	Mar 2026
American Express Company AXP	9.1%	+0.5 pp	Mar 2026
Jefferson Capital, Inc. JCAP	8.6%	−21.0 pp	Mar 2026
Credit Acceptance Corporation CACC	8.4%	+2.1 pp	Mar 2026
Enova International, Inc. ENVA	7.7%	+1.3 pp	Jun 2026
Atlanticus Holdings Corporation ATLC	7.1%	+1.6 pp	Mar 2026
The Western Union Company WU	7.0%	−11.5 pp	Mar 2026
OneMain Holdings, Inc. OMF	6.8%	+0.2 pp	Mar 2026
PayPal Holdings, Inc. PYPL	5.5%	−0.8 pp	Mar 2026
Synchrony Financial SYF	5.2%	−0.8 pp	Jun 2026
EZCORP, Inc. EZPW	5.0%	+1.9 pp	Mar 2026
FirstCash Holdings, Inc. FCFS	4.6%	+1.2 pp	Jun 2026
Bread Financial Holdings, Inc. BFH	4.5%	+0.1 pp	Jun 2026
Federal Agricultural Mortgage Corporation AGM	3.6%	+0.3 pp	Mar 2026
Affirm Holdings, Inc. AFRM	3.1%	+3.0 pp	Mar 2026
Capital One Financial Corporation COF	2.7%	+7.7 pp	Jun 2026
Ally Financial Inc. ALLY	2.7%	+0.2 pp	Jun 2026
Nelnet, Inc. NNI	2.7%	−1.3 pp	Mar 2026
SLM Corporation SLM	2.4%	−0.7 pp	Jun 2026
World Acceptance Corporation WRLD	2.0%	+1.7 pp	Jun 2026
SoFi Technologies, Inc. SOFI	1.9%	+0.8 pp	Mar 2026
Klarna Group plc KLAR	0.0%	+8.5 pp	Mar 2026
Lufax Holding Ltd LU	-0.7%	+0.8 pp	Dec 2025
Upstart Holdings, Inc. UPST	-0.9%	−0.5 pp	Mar 2026

Full 20-quarter history · every available company

ROE · reported quarter history

Showing the 12 largest of 28 companies with a series here. The remaining 16 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021-18%

Dec 2021-9.3%

Mar 2022-2.2%

Jun 2022-7.2%

Sep 2022-10%

Dec 2022-13%

Mar 2023-8.1%

Jun 2023-8.0%

Sep 2023-6.7%

Dec 2023-6.5%

Mar 2024-5.2%

Jun 2024-1.7%

Sep 2024-3.7%

Dec 20243.0%

Mar 20250.1%

Jun 20252.4%

Sep 20252.6%

Dec 20254.1%

Mar 20263.1%

Jun 2026—

Ally Financial Inc. · ALLY

Sep 20214.5%

Dec 20214.1%

Mar 20224.4%

Jun 20223.1%

Sep 20222.0%

Dec 20223.0%

Mar 20232.2%

Jun 20232.4%

Sep 20232.3%

Dec 20230.6%

Mar 20241.1%

Jun 20243.2%

Sep 20242.9%

Dec 20240.8%

Mar 2025-1.6%

Jun 20252.5%

Sep 20255.3%

Dec 20252.2%

Mar 20262.1%

Jun 20262.7%

American Express Company · AXP

Sep 20217.9%

Dec 20217.6%

Mar 20229.0%

Jun 20228.1%

Sep 20227.8%

Dec 20226.7%

Mar 20237.5%

Jun 20238.7%

Sep 20239.6%

Dec 20237.3%

Mar 20248.9%

Jun 202411%

Sep 20248.8%

Dec 20247.4%

Mar 20258.6%

Jun 20259.3%

Sep 20259.3%

Dec 20257.7%

Mar 20269.1%

Jun 2026—

Capital One Financial Corporation · COF

Sep 20215.1%

Dec 20214.0%

Mar 20224.1%

Jun 20223.4%

Sep 20223.0%

Dec 20222.2%

Mar 20231.7%

Jun 20232.7%

Sep 20233.4%

Dec 20231.3%

Mar 20242.3%

Jun 20241.1%

Sep 20243.0%

Dec 20241.8%

Mar 20252.3%

Jun 2025-5.0%

Sep 20250.0%

Dec 20252.0%

Mar 20262.5%

Jun 20262.7%

FirstCash Holdings, Inc. · FCFS

Sep 20212.7%

Dec 20212.0%

Mar 20221.9%

Jun 20225.8%

Sep 20224.0%

Dec 20224.6%

Mar 20232.7%

Jun 20232.6%

Sep 20233.3%

Dec 20234.0%

Mar 20243.2%

Jun 20242.8%

Sep 20243.7%

Dec 20244.4%

Mar 20254.1%

Jun 20253.4%

Sep 20254.7%

Dec 20254.8%

Mar 20264.9%

Jun 20264.6%

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 20220.0%

Dec 20220.0%

Mar 2023—

Jun 2023—

Sep 20230.0%

Dec 20230.0%

Mar 2024—

Jun 2024—

Sep 20240.5%

Dec 20241.8%

Mar 2025-8.5%

Jun 2025-4.2%

Sep 2025-3.9%

Dec 2025-1.1%

Mar 20260.0%

Jun 2026—

Mastercard Incorporated · MA

Sep 202138%

Dec 202134%

Mar 202239%

Jun 202236%

Sep 202238%

Dec 202237%

Mar 202338%

Jun 202348%

Sep 202350%

Dec 202342%

Mar 202448%

Jun 202450%

Sep 202447%

Dec 202450%

Mar 202547%

Jun 202548%

Sep 202551%

Dec 202557%

Mar 202658%

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 20219.2%

Dec 20218.1%

Mar 20229.5%

Jun 20226.3%

Sep 20226.0%

Dec 20225.8%

Mar 20235.8%

Jun 20233.4%

Sep 20236.3%

Dec 20235.3%

Mar 20244.9%

Jun 20242.3%

Sep 20245.0%

Dec 20244.0%

Mar 20256.6%

Jun 20255.2%

Sep 20256.0%

Dec 20256.2%

Mar 20266.8%

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 20215.4%

Dec 20213.8%

Mar 20222.5%

Jun 2022-1.7%

Sep 20226.3%

Dec 20224.4%

Mar 20233.9%

Jun 20235.2%

Sep 20235.1%

Dec 20236.8%

Mar 20244.4%

Jun 20245.6%

Sep 20245.1%

Dec 20245.4%

Mar 20256.3%

Jun 20256.2%

Sep 20256.2%

Dec 20257.1%

Mar 20265.5%

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021-0.8%

Dec 2021-2.9%

Mar 2022-3.6%

Jun 2022-1.9%

Sep 2022-1.5%

Dec 2022-0.8%

Mar 2023-0.6%

Jun 2023-0.9%

Sep 2023-4.9%

Dec 20230.9%

Mar 20241.5%

Jun 20240.3%

Sep 20241.1%

Dec 20245.5%

Mar 20251.1%

Jun 20251.5%

Sep 20251.9%

Dec 20252.0%

Mar 20261.9%

Jun 2026—

Synchrony Financial · SYF

Sep 20218.8%

Dec 20216.2%

Mar 20226.9%

Jun 20225.8%

Sep 20225.2%

Dec 20224.4%

Mar 20234.5%

Jun 20234.3%

Sep 20234.7%

Dec 20233.3%

Mar 20249.1%

Jun 20244.4%

Sep 20245.3%

Dec 20245.1%

Mar 20254.8%

Jun 20256.0%

Sep 20256.5%

Dec 20254.5%

Mar 20264.9%

Jun 20265.2%

Visa Inc. · V

Sep 20219.7%

Dec 202111%

Mar 20229.9%

Jun 20229.3%

Sep 202211%

Dec 202211%

Mar 202311%

Jun 202311%

Sep 202313%

Dec 202313%

Mar 202412%

Jun 202412%

Sep 202414%

Dec 202413%

Mar 202512%

Jun 202514%

Sep 202513%

Dec 202515%

Mar 202616%

Jun 2026—

ROE change · reported quarter history

Showing the 12 largest of 28 companies with a series here. The remaining 16 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022+8.1 pp

Dec 2022−3.7 pp

Mar 2023−5.9 pp

Jun 2023−0.8 pp

Sep 2023+3.5 pp

Dec 2023+6.5 pp

Mar 2024+2.9 pp

Jun 2024+6.3 pp

Sep 2024+3.0 pp

Dec 2024+9.5 pp

Mar 2025+5.3 pp

Jun 2025+4.1 pp

Sep 2025+6.3 pp

Dec 2025+1.1 pp

Mar 2026+3.0 pp

Jun 2026—

Ally Financial Inc. · ALLY

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−2.5 pp

Dec 2022−1.1 pp

Mar 2023−2.2 pp

Jun 2023−0.7 pp

Sep 2023+0.3 pp

Dec 2023−2.4 pp

Mar 2024−1.1 pp

Jun 2024+0.8 pp

Sep 2024+0.6 pp

Dec 2024+0.2 pp

Mar 2025−2.7 pp

Jun 2025−0.7 pp

Sep 2025+2.4 pp

Dec 2025+1.4 pp

Mar 2026+3.7 pp

Jun 2026+0.2 pp

American Express Company · AXP

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.1 pp

Dec 2022−0.9 pp

Mar 2023−1.5 pp

Jun 2023+0.6 pp

Sep 2023+1.8 pp

Dec 2023+0.6 pp

Mar 2024+1.4 pp

Jun 2024+2.0 pp

Sep 2024−0.8 pp

Dec 2024+0.1 pp

Mar 2025−0.3 pp

Jun 2025−1.4 pp

Sep 2025+0.5 pp

Dec 2025+0.3 pp

Mar 2026+0.5 pp

Jun 2026—

Capital One Financial Corporation · COF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−2.1 pp

Dec 2022−1.8 pp

Mar 2023−2.4 pp

Jun 2023−0.7 pp

Sep 2023+0.4 pp

Dec 2023−0.9 pp

Mar 2024+0.6 pp

Jun 2024−1.6 pp

Sep 2024−0.4 pp

Dec 2024+0.5 pp

Mar 20250.0 pp

Jun 2025−6.1 pp

Sep 2025−3.0 pp

Dec 2025+0.2 pp

Mar 2026+0.2 pp

Jun 2026+7.7 pp

FirstCash Holdings, Inc. · FCFS

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022+1.3 pp

Dec 2022+2.6 pp

Mar 2023+0.8 pp

Jun 2023−3.2 pp

Sep 2023−0.7 pp

Dec 2023−0.6 pp

Mar 2024+0.5 pp

Jun 2024+0.2 pp

Sep 2024+0.4 pp

Dec 2024+0.4 pp

Mar 2025+0.9 pp

Jun 2025+0.6 pp

Sep 2025+1.0 pp

Dec 2025+0.4 pp

Mar 2026+0.8 pp

Jun 2026+1.2 pp

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 20230.0 pp

Dec 20230.0 pp

Mar 2024—

Jun 2024—

Sep 2024+0.5 pp

Dec 2024+1.8 pp

Mar 2025—

Jun 2025—

Sep 2025−4.4 pp

Dec 2025−2.9 pp

Mar 2026+8.5 pp

Jun 2026—

Mastercard Incorporated · MA

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.3 pp

Dec 2022+2.5 pp

Mar 2023−1.1 pp

Jun 2023+12.6 pp

Sep 2023+12.1 pp

Dec 2023+5.1 pp

Mar 2024+9.7 pp

Jun 2024+1.9 pp

Sep 2024−2.8 pp

Dec 2024+7.6 pp

Mar 2025−0.6 pp

Jun 2025−1.8 pp

Sep 2025+3.8 pp

Dec 2025+7.4 pp

Mar 2026+11.0 pp

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−3.2 pp

Dec 2022−2.3 pp

Mar 2023−3.7 pp

Jun 2023−2.9 pp

Sep 2023+0.3 pp

Dec 2023−0.5 pp

Mar 2024−0.9 pp

Jun 2024−1.1 pp

Sep 2024−1.3 pp

Dec 2024−1.3 pp

Mar 2025+1.7 pp

Jun 2025+2.9 pp

Sep 2025+1.0 pp

Dec 2025+2.2 pp

Mar 2026+0.2 pp

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022+0.9 pp

Dec 2022+0.6 pp

Mar 2023+1.4 pp

Jun 2023+6.9 pp

Sep 2023−1.2 pp

Dec 2023+2.4 pp

Mar 2024+0.5 pp

Jun 2024+0.4 pp

Sep 20240.0 pp

Dec 2024−1.4 pp

Mar 2025+1.9 pp

Jun 2025+0.6 pp

Sep 2025+1.1 pp

Dec 2025+1.7 pp

Mar 2026−0.8 pp

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−0.7 pp

Dec 2022+2.1 pp

Mar 2023+3.0 pp

Jun 2023+1.0 pp

Sep 2023−3.4 pp

Dec 2023+1.7 pp

Mar 2024+2.1 pp

Jun 2024+1.2 pp

Sep 2024+6.0 pp

Dec 2024+4.6 pp

Mar 2025−0.4 pp

Jun 2025+1.2 pp

Sep 2025+0.8 pp

Dec 2025−3.5 pp

Mar 2026+0.8 pp

Jun 2026—

Synchrony Financial · SYF

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022−3.6 pp

Dec 2022−1.8 pp

Mar 2023−2.4 pp

Jun 2023−1.5 pp

Sep 2023−0.5 pp

Dec 2023−1.1 pp

Mar 2024+4.6 pp

Jun 2024+0.1 pp

Sep 2024+0.6 pp

Dec 2024+1.8 pp

Mar 2025−4.3 pp

Jun 2025+1.6 pp

Sep 2025+1.2 pp

Dec 2025−0.6 pp

Mar 2026+0.1 pp

Jun 2026−0.8 pp

Visa Inc. · V

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022+1.1 pp

Dec 2022+0.7 pp

Mar 2023+1.5 pp

Jun 2023+1.9 pp

Sep 2023+1.8 pp

Dec 2023+1.4 pp

Mar 2024+0.4 pp

Jun 2024+1.2 pp

Sep 2024+1.1 pp

Dec 2024+0.3 pp

Mar 2025−0.1 pp

Jun 2025+1.1 pp

Sep 2025−0.5 pp

Dec 2025+2.1 pp

Mar 2026+4.6 pp

Jun 2026—

06 · not available

Gross NPA — Leaders & Improvers

No company in this Credit Services comparison reports gross NPA on a comparable basis, so there is nothing to rank here — 0 of 28 companies have a usable current reading. The section is shown rather than removed so an unavailable metric is not mistaken for one that was quietly left out. Filings were read through Jun 2026.

Lower gross NPA is better. Improvement means the ratio is falling, so ranks are intentionally inverted.

07 · compare level, then change

Valuation Against Growth & Quality

OppFi Inc. has the lowest P/BV ÷ ROE among the 28 Credit Services companies compared here, at 0.14×. Encore Capital Group, Inc. is next at 0.16×. Lufax Holding Ltd has the lowest P/BV at 0.19×, so level and change sit with different companies. 25 of 28 companies report a comparable reading, the latest through Mar 2026.

What the numbers say: OppFi Inc. has the lowest comparable P/BV ÷ ROE at 0.14×, 12.5% below Encore Capital Group, Inc.. Only 25 of 28 companies pass the guard, so no broad “cheapest stock” conclusion is defensible unless the current multiple, own-history position and growth durability agree.

LeaderOppFi Inc. · 0.14×

Gap12.5% versus #2 · Encore Capital Group, Inc.

Persistence0/8 recent comparable periods

Coverage25/28 companies · 429 observations

Investor read: Treat valuation as permission to investigate, never as a standalone reason to buy.

This conclusion weakens if: The next two comparable reports reverse the current p/bv signal.

Banks are compared on P/BV and P/BV÷ROE, not PEG. Lower is better only if asset quality and return durability hold; cheap book value with weakening NPAs is not automatically attractive.

P/BV ÷ ROElowest return-adjusted price

1OppFi Inc. OPFI0.1

2Encore Capital Group, Inc. ECPG0.2

3Atlanticus Holdings Corporation ATLC0.2

4Federal Agricultural Mortgage Corporation AGM0.3

5OneMain Holdings, Inc. OMF0.3

P/BVlowest P/BV

1Lufax Holding Ltd LU · older report0.2

2Ally Financial Inc. ALLY0.9

3Federal Agricultural Mortgage Corporation AGM0.9

4Capital One Financial Corporation COF1.1

5Atlanticus Holdings Corporation ATLC1.2

Valuation · company comparison

25/28 level · 28/28 change

Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.

All-company data · latest reported quarter

Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.

Company	P/BV ÷ ROE	P/BV	Reported
Upstart Holdings, Inc. UPST	2.1	3.4	Mar 2026
Lufax Holding Ltd LU	1.9	0.2	Dec 2025
Affirm Holdings, Inc. AFRM	1.3	4.1	Mar 2026
Mastercard Incorporated MA	1.1	66.0	Mar 2026
SoFi Technologies, Inc. SOFI	1.0	1.9	Mar 2026
Visa Inc. V	1.0	16.0	Mar 2026
FirstCash Holdings, Inc. FCFS	0.9	4.1	Jun 2026
SLM Corporation SLM	0.8	2.0	Jun 2026
American Express Company AXP	0.7	6.1	Mar 2026
Enova International, Inc. ENVA	0.5	4.0	Jun 2026
Nelnet, Inc. NNI	0.5	1.2	Mar 2026
The Western Union Company WU	0.4	3.0	Mar 2026
Capital One Financial Corporation COF	0.4	1.1	Jun 2026
PayPal Holdings, Inc. PYPL	0.4	2.0	Mar 2026
Credit Acceptance Corporation CACC	0.4	2.9	Mar 2026
Sezzle Inc. SEZL	0.3	10.8	Mar 2026
Ally Financial Inc. ALLY	0.3	0.9	Jun 2026
Bread Financial Holdings, Inc. BFH	0.3	1.3	Jun 2026
Synchrony Financial SYF	0.3	1.5	Jun 2026
EZCORP, Inc. EZPW	0.3	1.4	Mar 2026
Jefferson Capital, Inc. JCAP	0.3	2.4	Mar 2026
OneMain Holdings, Inc. OMF	0.3	1.8	Mar 2026
Federal Agricultural Mortgage Corporation AGM	0.3	0.9	Mar 2026
World Acceptance Corporation WRLD	0.2	1.8	Jun 2026
Atlanticus Holdings Corporation ATLC	0.2	1.2	Mar 2026
Encore Capital Group, Inc. ECPG	0.2	1.5	Mar 2026
OppFi Inc. OPFI	0.1	2.7	Mar 2026
Klarna Group plc KLAR	—	2.0	Mar 2026

Full 20-quarter history · every available company

P/BV ÷ ROE · reported quarter history

Showing the 12 largest of 27 companies with a series here. The remaining 15 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024—

Jun 2024—

Sep 2024—

Dec 20242.3

Mar 202550.7

Jun 20253.1

Sep 20252.8

Dec 20251.7

Mar 20261.3

Jun 2026—

Ally Financial Inc. · ALLY

Sep 20210.2

Dec 20210.2

Mar 20220.2

Jun 20220.2

Sep 20220.3

Dec 20220.2

Mar 20230.3

Jun 20230.3

Sep 20230.3

Dec 20231.3

Mar 20240.8

Jun 20240.3

Sep 20240.3

Dec 20241.0

Mar 2025—

Jun 20250.3

Sep 20250.2

Dec 20250.4

Mar 20260.4

Jun 20260.3

American Express Company · AXP

Sep 20210.7

Dec 20210.7

Mar 20220.7

Jun 20220.6

Sep 20220.5

Dec 20220.7

Mar 20230.6

Jun 20230.6

Sep 20230.4

Dec 20230.7

Mar 20240.6

Jun 20240.5

Sep 20240.7

Dec 20240.9

Mar 20250.7

Jun 20250.7

Sep 20250.8

Dec 20251.0

Mar 20260.7

Jun 2026—

Capital One Financial Corporation · COF

Sep 20210.2

Dec 20210.2

Mar 20220.2

Jun 20220.2

Sep 20220.2

Dec 20220.3

Mar 20230.4

Jun 20230.3

Sep 20230.2

Dec 20230.7

Mar 20240.4

Jun 20240.8

Sep 20240.3

Dec 20240.6

Mar 20250.5

Jun 2025—

Sep 2025—

Dec 20250.7

Mar 20260.4

Jun 20260.4

Enova International, Inc. · ENVA

Sep 20210.2

Dec 20210.3

Mar 20220.2

Jun 20220.2

Sep 20220.2

Dec 20220.2

Mar 20230.3

Jun 20230.3

Sep 20230.4

Dec 20230.5

Mar 20240.4

Jun 20240.3

Sep 20240.5

Dec 20240.4

Mar 20250.3

Jun 20250.4

Sep 20250.3

Dec 20250.5

Mar 20260.3

Jun 20260.5

FirstCash Holdings, Inc. · FCFS

Sep 20211.1

Dec 20211.1

Mar 20221.0

Jun 20220.3

Sep 20220.5

Dec 20220.5

Mar 20230.9

Jun 20230.9

Sep 20230.8

Dec 20230.7

Mar 20240.9

Jun 20241.0

Sep 20240.8

Dec 20240.5

Mar 20250.6

Jun 20251.0

Sep 20250.8

Dec 20250.6

Mar 20260.7

Jun 20260.9

Mastercard Incorporated · MA

Sep 20211.3

Dec 20211.4

Mar 20221.3

Jun 20221.4

Sep 20221.1

Dec 20221.4

Mar 20231.7

Jun 20231.4

Sep 20231.2

Dec 20231.4

Mar 20241.3

Jun 20241.1

Sep 20241.3

Dec 20241.5

Mar 20251.6

Jun 20251.3

Sep 20251.3

Dec 20251.2

Mar 20261.1

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 20210.3

Dec 20210.3

Mar 20220.2

Jun 20220.2

Sep 20220.2

Dec 20220.2

Mar 20230.3

Jun 20230.5

Sep 20230.3

Dec 20230.4

Mar 20240.4

Jun 20240.8

Sep 20240.4

Dec 20240.5

Mar 20250.3

Jun 20250.4

Sep 20250.3

Dec 20250.4

Mar 20260.3

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 20212.6

Dec 20212.7

Mar 20222.6

Jun 2022—

Sep 20220.8

Dec 20220.9

Mar 20231.1

Jun 20230.7

Sep 20230.6

Dec 20230.5

Mar 20240.8

Jun 20240.5

Sep 20240.8

Dec 20240.8

Mar 20250.5

Jun 20250.6

Sep 20250.5

Dec 20250.4

Mar 20260.4

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 20232.1

Mar 20240.9

Jun 20244.0

Sep 20241.3

Dec 20240.5

Mar 20251.8

Jun 20252.0

Sep 20251.9

Dec 20251.6

Mar 20261.0

Jun 2026—

Synchrony Financial · SYF

Sep 20210.2

Dec 20210.3

Mar 20220.2

Jun 20220.2

Sep 20220.2

Dec 20220.3

Mar 20230.2

Jun 20230.3

Sep 20230.2

Dec 20230.3

Mar 20240.1

Jun 20240.3

Sep 20240.2

Dec 20240.3

Mar 20250.3

Jun 20250.3

Sep 20250.2

Dec 20250.4

Mar 20260.3

Jun 20260.3

Visa Inc. · V

Sep 20211.3

Dec 20211.2

Mar 20221.3

Jun 20221.2

Sep 20221.0

Dec 20221.0

Mar 20231.1

Jun 20231.1

Sep 20231.0

Dec 20231.0

Mar 20241.2

Jun 20241.1

Sep 20241.0

Dec 20241.3

Mar 20251.5

Jun 20251.3

Sep 20251.3

Dec 20251.1

Mar 20261.0

Jun 2026—

P/BV · reported quarter history

Showing the 12 largest of 28 companies with a series here. The remaining 16 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.

Affirm Holdings, Inc. · AFRM

Sep 202113.9

Dec 202111.5

Mar 20225.1

Jun 20222.0

Sep 20222.1

Dec 20221.1

Mar 20231.3

Jun 20231.8

Sep 20232.5

Dec 20235.7

Mar 20244.4

Jun 20243.4

Sep 20244.5

Dec 20246.9

Mar 20255.1

Jun 20257.3

Sep 20257.3

Dec 20257.0

Mar 20264.1

Jun 2026—

Ally Financial Inc. · ALLY

Sep 20211.0

Dec 20210.9

Mar 20220.9

Jun 20220.8

Sep 20220.7

Dec 20220.6

Mar 20230.6

Jun 20230.6

Sep 20230.6

Dec 20230.8

Mar 20240.9

Jun 20240.9

Sep 20240.7

Dec 20240.8

Mar 20250.8

Jun 20250.8

Sep 20250.8

Dec 20250.9

Mar 20260.8

Jun 20260.9

American Express Company · AXP

Sep 20215.3

Dec 20215.6

Mar 20226.3

Jun 20224.5

Sep 20224.2

Dec 20224.4

Mar 20234.7

Jun 20234.8

Sep 20234.0

Dec 20234.8

Mar 20245.7

Jun 20245.6

Sep 20246.5

Dec 20246.9

Mar 20256.0

Jun 20256.9

Sep 20257.1

Dec 20257.6

Mar 20266.1

Jun 2026—

Capital One Financial Corporation · COF

Sep 20211.1

Dec 20211.0

Mar 20220.9

Jun 20220.8

Sep 20220.7

Dec 20220.7

Mar 20230.7

Jun 20230.8

Sep 20230.7

Dec 20230.9

Mar 20241.0

Jun 20240.9

Sep 20240.9

Dec 20241.1

Mar 20251.1

Jun 20251.2

Sep 20251.2

Dec 20251.3

Mar 20261.0

Jun 20261.1

FirstCash Holdings, Inc. · FCFS

Sep 20212.9

Dec 20212.1

Mar 20221.9

Jun 20221.9

Sep 20222.0

Dec 20222.3

Mar 20232.5

Jun 20232.4

Sep 20232.6

Dec 20232.8

Mar 20242.8

Jun 20242.7

Sep 20242.9

Dec 20242.3

Mar 20252.6

Jun 20253.4

Sep 20254.0

Dec 20253.1

Mar 20263.6

Jun 20264.1

Klarna Group plc · KLAR

Sep 2021—

Dec 2021—

Mar 2022—

Jun 2022—

Sep 2022—

Dec 2022—

Mar 2023—

Jun 2023—

Sep 2023—

Dec 2023—

Mar 2024—

Jun 2024—

Sep 2024—

Dec 2024—

Mar 2025—

Jun 2025—

Sep 20255.7

Dec 20254.4

Mar 20262.0

Jun 2026—

Mastercard Incorporated · MA

Sep 202151.0

Dec 202148.2

Mar 202249.5

Jun 202249.5

Sep 202243.1

Dec 202252.8

Mar 202364.7

Jun 202367.4

Sep 202358.9

Dec 202357.5

Mar 202461.9

Jun 202455.0

Sep 202461.0

Dec 202474.2

Mar 202574.8

Jun 202564.8

Sep 202564.8

Dec 202566.0

Mar 202666.0

Jun 2026—

OneMain Holdings, Inc. · OMF

Sep 20212.3

Dec 20212.1

Mar 20221.9

Jun 20221.5

Sep 20221.2

Dec 20221.3

Mar 20231.5

Jun 20231.7

Sep 20231.6

Dec 20231.9

Mar 20241.9

Jun 20241.8

Sep 20241.8

Dec 20242.0

Mar 20251.8

Jun 20252.0

Sep 20252.0

Dec 20252.3

Mar 20261.8

Jun 2026—

PayPal Holdings, Inc. · PYPL

Sep 202113.8

Dec 202110.1

Mar 20226.5

Jun 20224.1

Sep 20224.9

Dec 20224.0

Mar 20234.3

Jun 20233.7

Sep 20233.2

Dec 20233.1

Mar 20243.4

Jun 20242.9

Sep 20243.9

Dec 20244.2

Mar 20253.2

Jun 20253.5

Sep 20253.1

Dec 20252.7

Mar 20262.0

Jun 2026—

SoFi Technologies, Inc. · SOFI

Sep 20213.0

Dec 20213.0

Mar 20221.7

Jun 20220.9

Sep 20220.9

Dec 20220.8

Mar 20231.1

Jun 20231.5

Sep 20231.5

Dec 20231.9

Mar 20241.3

Jun 20241.2

Sep 20241.4

Dec 20242.6

Mar 20251.9

Jun 20253.0

Sep 20253.6

Dec 20253.2

Mar 20261.9

Jun 2026—

Synchrony Financial · SYF

Sep 20211.9

Dec 20211.8

Mar 20221.3

Jun 20221.0

Sep 20221.0

Dec 20221.1

Mar 20230.9

Jun 20231.1

Sep 20230.9

Dec 20231.1

Mar 20241.1

Jun 20241.2

Sep 20241.2

Dec 20241.5

Mar 20251.3

Jun 20251.5

Sep 20251.6

Dec 20251.7

Mar 20261.4

Jun 20261.5

Visa Inc. · V

Sep 202112.5

Dec 202112.6

Mar 202212.8

Jun 202211.5

Sep 202210.3

Dec 202211.6

Mar 202312.0

Jun 202312.4

Sep 202312.0

Dec 202313.1

Mar 202413.8

Jun 202413.1

Sep 202413.8

Dec 202416.5

Mar 202517.9

Jun 202517.7

Sep 202517.3

Dec 202517.3

Mar 202616.0

Jun 2026—

08 · let price answer last

Market action

Encore Capital Group, Inc. has the strongest one-year price move in Credit Services at +166.6%. Sezzle Inc. leads on Mansfield relative strength against the S&P 500 at +63.5%. 11 of 27 covered companies are above zero on that measure. Every line covers 314 weekly closes through 2026-07-28.

Every price line is indexed to 100 over the chosen window. Mansfield relative strength compares a price ratio with its own 52-week average; zero separates leadership from lagging.

Price and relative strength

Price is rebased to 100 inside the selected window. Pair ratio rebases each selected company against one chosen denominator.

Before the conclusion · check the blind spots

What can make this comparison misleading?

This Credit Services comparison names 7 specific ways its own evidence can mislead, all listed below. 1 of the 28 companies reports on an older date than the sector's freshest reporters, so its rank is marked stale. 1 of the 7 ranked sections has fewer than three usable current readings. A high growth rate can still be a low-base artefact.

Keep these limits visible

A high growth rate can be a low-base artefact. The page keeps level and change separate for that reason.
A high ROE can be manufactured with leverage. Read it beside ROA and asset quality.
The 4-Factor Sector Score ranks research priority, not portfolio action. Management quality, catalysts and risks need equally fresh evidence before capital is deployed.
An “all companies” line chart preserves completeness, but rank changes should be checked against reporting dates before drawing a conclusion.
1 company has an older fundamental reporting date than the sector’s freshest reporters; its rank carries a stale marker.
Banks and lenders are not forced through operating-margin or ROCE comparisons; missing lender-specific fields remain visibly missing.
Thin comparisons: Asset quality have fewer than three usable current readings.

09 · the complete set

Which companies are included?

All 28 companies in the canonical Credit Services membership are listed below, largest market value first — nothing is silently dropped, even where a company reports too little to rank. The charts above default to a selective view; this register is the complete set, with each company's own latest reporting date beside it.

AHEAD means the company is beating the index by 5% or more over three months. LAGGING, FUNDAMENTALS UP means it is 20% or more behind over a year while its trailing twelve-month earnings grew 20% or more. Both rules are fixed and applied the same way in every sector.

Company	Market value	Price	Priced to	Latest fundamentals
Visa Inc. VAHEAD	$690.6B	$367	2026-07-28	Mar 2026
Mastercard Incorporated MAAHEADLAGGING, FUNDAMENTALS UP	$497.2B	$563	2026-07-28	Mar 2026
American Express Company AXP	$227.3B	$337	2026-07-28	Mar 2026
Capital One Financial Corporation COFAHEAD	$130.3B	$212	2026-07-28	Jun 2026
PayPal Holdings, Inc. PYPLAHEAD	$51.4B	$58.3	2026-07-28	Mar 2026
Synchrony Financial SYF	$25.1B	$77.1	2026-07-28	Jun 2026
Affirm Holdings, Inc. AFRMAHEAD	$24.2B	$72.4	2026-07-28	Mar 2026
SoFi Technologies, Inc. SOFI	$21.5B	$16.7	2026-07-28	Mar 2026
Ally Financial Inc. ALLY	$13.3B	$44.1	2026-07-28	Jun 2026
FirstCash Holdings, Inc. FCFS20/26 WEEKS	$9.0B	$207	2026-07-28	Jun 2026
OneMain Holdings, Inc. OMFAHEAD	$7.2B	$62.2	2026-07-28	Mar 2026
Klarna Group plc KLARAHEAD	$7.1B	$18.7	2026-07-28	Mar 2026
Enova International, Inc. ENVAAHEAD20/26 WEEKS	$6.2B	$249	2026-07-28	Jun 2026
Credit Acceptance Corporation CACCAHEAD18/26 WEEKS	$5.8B	$559	2026-07-28	Mar 2026
Sezzle Inc. SEZLAHEAD22/26 WEEKS	$5.3B	$157	2026-07-28	Mar 2026
Nelnet, Inc. NNI	$4.9B	$137	2026-07-28	Mar 2026
SLM Corporation SLMAHEADLAGGING, FUNDAMENTALS UP	$4.7B	$25.2	2026-07-28	Jun 2026
Bread Financial Holdings, Inc. BFHAHEAD25/26 WEEKS	$4.1B	$108	2026-07-28	Jun 2026
Upstart Holdings, Inc. UPST	$2.7B	$27.8	2026-07-28	Mar 2026
The Western Union Company WU	$2.6B	$8.3	2026-07-28	Mar 2026
Federal Agricultural Mortgage Corporation AGMAHEAD	$2.3B	$213	2026-07-28	Mar 2026
Encore Capital Group, Inc. ECPGAHEAD26/26 WEEKS	$2.1B	$95.9	2026-07-28	Mar 2026
EZCORP, Inc. EZPW24/26 WEEKS	$1.8B	$30.0	2026-07-28	Mar 2026
Atlanticus Holdings Corporation ATLCAHEAD	$1.6B	$105	2026-07-28	Mar 2026
Lufax Holding Ltd LU	$1.3B	$1.5	2026-07-28	Dec 2025
Jefferson Capital, Inc. JCAP	$1.1B	$20.5	2026-07-28	Mar 2026
World Acceptance Corporation WRLDAHEAD	$851M	$190	2026-07-28	Jun 2026
OppFi Inc. OPFI	$824M	$9.7	2026-07-28	Mar 2026

Evidence and freshness

How was this comparison built?

This comparison is built from the reported filings of 28 Credit Services companies, normalized to a common $ scale and a shared quarter axis of up to 20 quarters each. Fundamentals run through Jun 2026 and market data through 2026-07-28. A second data feed fills gaps only after identity and scale reconciliation, and missing observations are never interpolated.

FundamentalsThrough Jun 2026 · up to 20 quarters per company

Market dataThrough 2026-07-28 · weekly price and relative-strength history

Derived metricsGrowth, changes, CAPEX intensity, net debt, guarded PEG and P/BV÷ROE are calculated only when their inputs are comparable.

Score confidenceMissing and stale evidence reduces confidence and pulls the 0–100 research-priority score toward neutral.

Questions investors ask · short, speakable answers

Credit Services company comparison FAQs

These 16 answers restate the Credit Services comparison above in question form. Every one is computed from the same 28 companies and the same reported filings as the rankings and charts, current through Jun 2026. Price and relative-strength answers run through 2026-07-28. Nothing here is estimated, and none of it is a recommendation.

Which Credit Services company is the biggest?

American Express Company is the largest, with trailing-twelve-month income of $56,282 million, ahead of Visa Inc. at $43,027 million. That covers 20 of 28 companies with comparable reporting through Mar 2026.

Which Credit Services company is growing fastest?

Atlanticus Holdings Corporation has the fastest income growth at 68.7% year on year, across 20 of 28 comparable companies. Fast growth off a small base is not the same as proven scale — check whether the rate holds across several quarters on the chart above before treating it as a trend.

Which Credit Services company makes the most profit?

Visa Inc. earns the most, at $22,236 million of trailing-twelve-month net profit, from 20 of 28 comparable companies. OppFi Inc. has the fastest profit growth at 90.4%, though growth off a small or recovering profit base overstates how much has actually changed.

Which Credit Services company earns the highest return on capital?

Sezzle Inc. leads on return on assets at 14.3%, across 14 of 28 companies. Read it beside the length of its reported history: a high return that repeats for years is evidence of a durable business, while a single high reading can be a small capital base or one good year.

Which Credit Services stock is the cheapest?

On price-to-book divided by return on equity — where a LOWER number is cheaper — OppFi Inc. screens cheapest at 0.14×. Only 25 of 28 companies pass the comparability guard, so this is not a sector-wide "cheapest stock" verdict. Cheap on a multiple is a reason to investigate, never a reason to buy on its own.

Which Credit Services lender has the largest funding base?

Capital One Financial Corporation has the largest reported deposit base at $484,257 million. For lenders, deposits and borrowings are operating inputs rather than leverage, so they are read against asset quality and returns instead of as debt.

Is the Credit Services sector beating the market?

Credit Services has underperformed S&P 500 by 4.5% over the last 52 weeks and 7.9% over 13 weeks, measured on an equal-weight index of its current members. Inside the sector, 11 of 27 covered companies are beating the market on their own. Sector strength does not transfer evenly to every stock in it.

Which Credit Services stock has the strongest price momentum?

Sezzle Inc. has the strongest relative strength against S&P 500. Relative strength answers last, after growth, quality and valuation: price can move well before the fundamentals confirm it, and sometimes without them confirming at all.

Which Credit Services company scores highest for research priority?

Sezzle Inc. scores 65.1 out of 100 with 76% evidence confidence, from 19.4 points on growth and earnings, 19.6 on capital efficiency, 6.1 on valuation and 20 on relative strength. This ranks what deserves work next. It is not a buy recommendation, and management quality, catalysts and risk still need separate research.

How many Credit Services companies does this comparison cover, and over what period?

It compares 28 listed companies over up to 20 reported quarters of fundamentals and 6 fiscal years of capital allocation, ending Jun 2026, plus weekly price and relative-strength history. Membership is the full sector list — nothing is dropped for having thin data.

What is the total market cap of the Credit Services sector?

The 28 Credit Services companies on this page carry $1,752,583 million of combined market value. Visa Inc. is the largest at $690,620 million, about 39% of the sector's total on its own. Market value moves with price, so this reading is dated 2026-07-28.

What is the Credit Services sector's P/B ratio?

The median price-to-book ratio across the 28 Credit Services companies on this page is 2×, measured on the 28 that report a comparable figure. A sector-level history for this multiple is not held here, so this is a cross-section of today, not a comparison with the sector’s own past. Figures are as of 2026-07-28.

How is the Credit Services sector performing?

11 of the 27 covered Credit Services companies are beating S&P 500 on Mansfield relative strength. The sector itself is 4.5% behind S&P 500 over 52 weeks on an equal-weight index of its current members. Readings are as of 2026-07-28.

How many Credit Services stocks are listed in the US?

This comparison covers 28 listed Credit Services companies in the US, each above the size floor the site applies. The full ranked list is on this page, with reported fundamentals through Jun 2026. Membership is the full industry list — nothing is dropped for having thin data.

Why are some values on this page blank?

A blank means that company did not report a comparable figure for that period, so nothing is shown. Missing observations are never interpolated, carried forward, or replaced with a similar-looking accounting line, and a company with missing evidence has its research score pulled toward neutral rather than being scored as bad.

Is this investment advice?

No. Every figure here is a deterministic calculation from reported company filings and market data, published for research. It contains no recommendation to buy or sell any security, does not account for your circumstances, and is not a substitute for advice from a licensed adviser.