Credit Services Stocks in the US

The largest Credit Services stocks in the US by market value are Visa Inc. ($812.0B), Mastercard Incorporated ($585.7B) and American Express Company ($223.0B), at prices of 4 Nov 2026.

• Visa Inc.: $436.65 | market value $812.0B | P/BV 18.27
• Mastercard Incorporated: $672.36 | market value $585.7B | P/BV 71.68
• American Express Company: $332.60 | market value $223.0B | P/BV 5.74
• Capital One Financial Corporation: $206.24 | market value $124.1B | P/BV 1.08
• PayPal Holdings, Inc.: $60.17 | market value $50.0B | P/BV 1.92
• Affirm Holdings, Inc.: $75.59 | market value $25.5B | P/BV 4.98
• Synchrony Financial: $75.03 | market value $23.4B | P/BV 1.4
• SoFi Technologies, Inc.: $17.38 | market value $22.5B | P/BV 2.08
• Ally Financial Inc.: $39.36 | market value $11.8B | P/BV 0.76
• FirstCash Holdings, Inc.: $193.34 | market value $8.3B | P/BV 4.03

The other 18 Credit Services companies are in the full list below.

Share price | market value | P/BV or P/E, biggest first. Prices and market values as of 4 Nov 2026; ratios as in the score list below.

Ranked by the 4-Factor Sector Score (growth & earnings 35, capital efficiency 25, valuation 20, relative strength 20). Prices as of 4 Nov 2026.

The largest 15 of 28 listed US Credit Services companies are named here; all 28 are ranked in the scorecard. Every figure is equal-weighted across those companies and carries its own as-of date. One large company cannot set the reading.

1. Visa Inc.$812.0B
2. Mastercard Incorporated$585.7B
3. American Express Company$223.0B
4. Capital One Financial Corporation$124.1B
5. PayPal Holdings, Inc.$50.0B
6. Affirm Holdings, Inc.$25.5B
7. Synchrony Financial$23.4B
8. SoFi Technologies, Inc.$22.5B
9. Ally Financial Inc.$11.8B
10. FirstCash Holdings, Inc.$8.3B
11. OneMain Holdings, Inc.$6.6B
12. Klarna Group plc$5.3B
13. Credit Acceptance Corporation$5.1B
14. Sezzle Inc.$4.6B
15. Nelnet, Inc.$4.6B

The remaining 13 Credit Services companies are named and ranked in the scorecard.

42 Credit Services companies in the Credit Services industry group (every listed company) have a page on Sector Alpha, by market value as of 4 November 2026, and all 42 are listed below, largest first. The largest is Visa Inc. ($812 billion) and the smallest with a market value is X Financial.

Download all 42 Credit Services companies (CSV)

The line below covers up to 5.2 years and opens on the 5Y view; the buttons cut it shorter. Over the last two years (104 weeks) this industry is 2% behind S&P 500. Earnings across its companies grew 17% on average over the last four reported quarters.

7 of 41 companies ahead of S&P 500 by 5% or more over three months. 1 is 20% or more behind over a year while earnings grew 20% or more.

Not ahead of S&P 500 on the three-month view this week; 23 of the 41 companies in the industry index above their 200-day average (2 more than four weeks earlier); 7 of those 41 ahead of S&P 500 by 5% or more over three months (1 fewer than four weeks earlier); earnings rising at 26 of the 38 that report earnings.

Not ahead of S&P 500 yet, but −1 more stocks joined in four weeks, 8 → 7 of 41. Earnings confirming, 26 of 38 members have higher trailing twelve-month earnings than a year ago.

Both lines start at 200 in the same week, so the gap between them tells the story: the industry line is an equal-weighted index of its 41 companies. The bars underneath are trailing 12-month earnings per share, one bar per reported quarter, each member set to 100 at the start and the industry taking the middle value, so a price line pulling away from flat bars means the market is paying more for the same earnings. A bar turns grey when that figure is lower than the quarter before. The rules are fixed and the same 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 or tap any point to read both values and the gap.

Credit Services has done worse than the S&P 500 by 6.3% over the last 52 weeks. Over 13 weeks the gap is a shortfall of 6.7%. Sezzle Inc. is the strongest against the sector itself at +33.4%.

Credit Services has done worse than the S&P 500 by 6.3% over 52 weeks and by 6.7% over 13 weeks. 11 of 28 companies we track are beating the S&P 500 on relative strength (how a share price has done against the index over recent months), and 12 of 28 are ahead of the industry itself.

A score that ranks each company against the others in its industry. The four parts shown always add up to the total: Growth & earnings (35), Capital efficiency (25), Valuation (20), and Relative strength (20). Missing or old evidence affects only its own part, never as a hidden adjustment.

Encore Capital Group, Inc. has the strongest current balance of earnings trajectory, business quality, valuation and price confirmation, with 66.9% evidence confidence.

Bread Financial Holdings, Inc. scores well on valuation against its peers or its own history, but its earnings have not yet improved enough to back that up.

Sezzle Inc. has the strongest one-year price move in Credit Services at +130.7%. It also leads on relative strength against the S&P 500, at +28.5%. 11 of 28 companies we track are ahead of the index on that measure. Every line covers 314 weekly closes through 4 November 2026.

Price and relative strength

Price · same starting point: Every company, the sector's own index and S&P 500 all start level on the left edge of the window, so only the distance between the lines counts: the highest line has risen the most since then, and the chart at the top of this page is drawn the same way. It opens on one year; the buttons beside it stretch that to three or five.

RS vs S&P 500: How far ahead of or behind S&P 500 each company has been running, measured against its own recent average of that comparison, so the flat line at zero IS S&P 500: above it the company is beating the market, below it the market is beating the company. It opens on one year.

RS vs sector: The same measure taken against Credit Services itself instead of the whole market, so the flat line at zero is the sector: above it the company is beating its own peers, which is the sharper test of the two. It opens on one year.

Biggest one-year moves

Strongest against S&P 500

Strongest against the sector itself

American Express Company has the highest Income among the 28 Credit Services companies compared here, at $72,852 million. Capital One Financial Corporation is next at $48,893 million. Atlanticus Holdings Corporation has the highest Income growth at 60%, so level and change sit with different companies. 28 of 28 companies report a comparable reading, the latest through Sep 2026.

What the numbers say: American Express Company is the largest at $72,852 million, 49% ahead of Capital One Financial Corporation. Atlanticus Holdings Corporation's growth is 60% from a $731 million base, with 19 reported quarters out of the last 20. Fast growth from a smaller base is not yet the same as proven size.

What this means: American Express Company is the size to compare against; Atlanticus Holdings Corporation is the one growing fastest. The faster grower has to keep that growth and turn it into margin and returns before it counts as more than a fast start.

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.

Income · company comparison

Income · largest

Income growth · fastest growers

All-company data · latest reported quarter

In every all-company table on this page, each figure is the company’s latest single reported quarter. The rankings above them use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.

Revenue shows both size and speed. A large company can absorb shocks and pay for wide distribution; faster growth can mean market-share gains, new capacity or stronger demand. The best sign is usually growth that lasts without hurting margins and returns.

Visa Inc. has the highest Net profit among the 28 Credit Services companies compared here, at $23,360 million. Mastercard Incorporated is next at $16,958 million. Affirm Holdings, Inc. has the highest Profit growth at the 100% top of the scoring scale, so level and change sit with different companies.

What the numbers say: Visa Inc. earns the most, $23,360 million of profit over the last 12 months, 37.8% above Mastercard Incorporated. Affirm Holdings, Inc. shows at least 100% on the scoring scale (3613.5% in full) growth from a profit base of $1,931 million. A fast rate from a small base matters less than a large profit that keeps coming.

What this means: Visa Inc. sets the level to compare against; the company improving fastest needs another report to confirm the change.

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 profit · company comparison

Net profit · largest

Profit growth · fastest growers

All-company data · latest reported quarter

Capital One Financial Corporation has the highest Deposits among the 28 Credit Services companies compared here, at $480,697 million. Ally Financial Inc. is next at $155,804 million. American Express Company has the highest Borrowings at $59,986 million, so level and change sit with different companies. 10 of 28 companies report a comparable reading, the latest through Sep 2026.

What the numbers say: Capital One Financial Corporation leads deposits at $480,697 million; American Express Company leads borrowings at $59,986 million.

What this means: Capital One Financial Corporation sets the level to compare against; the company improving fastest needs another report to confirm the change.

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.

Funding base · company comparison

Deposits · largest deposit bases

Borrowings · largest borrowings

All-company data · latest reported quarter

Deposit scale can lower funding risk, while rising wholesale borrowings can change cost and liquidity. Asset quality and margins decide whether the funding base creates value.

Sezzle Inc. has the highest ROA among the 28 Credit Services companies compared here, at 48.4%. Mastercard Incorporated is next at 25.7%. EZCORP, Inc. has the highest ROA change at +3.1 percentage points, so level and change sit with different companies. 28 of 28 companies report a comparable reading, the latest through Jun 2026.

What the numbers say: Sezzle Inc. leads roa at 48.4%; EZCORP, Inc. leads roa change at +3.1 percentage points.

What this means: Sezzle Inc. sets the level to compare against; the company improving fastest needs another report to confirm the change.

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.

Return on assets · company comparison

ROA · highest

ROA change · fastest improvers

All-company data · latest reported quarter

Mastercard Incorporated has the highest ROE among the 28 Credit Services companies compared here, at 284.8%. Sezzle Inc. is next at 112%. The same company also has the highest ROE change, at +81.6 percentage points. 28 of 28 companies report a comparable reading, the latest through Sep 2026. Its ROE series carries 19 reported observations across the 20-quarter window.

What the numbers say: Mastercard Incorporated leads both roe at 284.8% and roe change at +81.6 percentage points.

What this means: Mastercard Incorporated sets the level to compare against; the company improving fastest needs another report to confirm the change.

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.

Return on equity · company comparison

ROE · highest

ROE change · fastest improvers

All-company data · latest reported quarter

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 Sep 2026.

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

Green Dot Corporation has the lowest P/BV ÷ ROE among the 28 Credit Services companies compared here, at 0.04×. Encore Capital Group, Inc. is next at 0.05×. Navient Corporation has the lowest P/BV at 0.33×, so level and change sit with different companies. 27 of 28 companies report a comparable reading, the latest through Jun 2026.

What the numbers say: Green Dot Corporation has the lowest comparable P/BV ÷ ROE at 0.04×, 20% below Encore Capital Group, Inc. That would need today's multiple, the company's own history and steady growth to agree.

What this means: A low valuation is a reason to look closer at the business, not a conclusion on its own.

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. A lower figure is better only if loan quality and returns stay strong; a low price against book value while bad loans are rising is not a good sign by itself.