Affirm Holdings, Inc. · AFRM
$269M
$361M
$355M
$364M
$362M
$400M
$381M
$446M
$497M
$591M
$576M
$659M
$698M
$866M
$783M
$876M
$933M
$1.1B
$1.0B
—
20-quarter listed-company comparison
Credit Services Stocks
Credit Services: Capital One Financial Corporation owns the largest revenue base AND the fastest current growth.
01 · the industry itself · before any single company
How has Credit Services moved against S&P 500?
The line below covers up to 5.2 years and opens on the 5Y view; the buttons cut it shorter. Over the most recent two of them this industry is 17% 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 15 weeks running.
FADING · −13 in 4w✓Price and the fundamentals both up12 of 41 companies ahead of S&P 500 by 5% or more over three months5 are 20% or more behind over a year while earnings grew 20% or more
RS ↑15w · 24/41 >200d (−3) · 12/41 lead (−13) · EPS 28/40↑
Credit Services, equal-weighted, based at 200
S&P 500, same base, same start
trailing 12-month earnings per share rising
falling
Credit Services, equal-weighted, based at 200
S&P 500, same base, same start
trailing 12-month earnings per share rising
falling
Credit Services, equal-weighted, based at 200
S&P 500, same base, same start
trailing 12-month earnings per share rising
falling
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 41 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.
02 · sector relative strength, before individual stocks
Is Credit Services outperforming S&P 500?
Credit Services has underperformed S&P 500 by 16.2% over the last 52 weeks. Over 13 weeks the gap is a shortfall of 2.9%. 10 of 28 covered companies currently beat the S&P 500 on Mansfield relative strength, so leadership inside the sector is selective. Encore Capital Group, Inc. is the strongest against the sector itself at +39.2%.
-2.9%Sector vs S&P 500 · 13 weeks
-16.2%Sector vs S&P 500 · 52 weeks
10/28Stocks leading S&P 500
13/28Stocks leading sector
Sector metric: — as of latest available · unclassified · direction unavailable.
The central tension: current leadership is concentrated, so durability matters more than rank.
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 16.2% over 52 weeks and 2.9% over 13 weeks. 10 of 28 covered companies beat the S&P 500 on Mansfield relative strength, while 13 of 28 beat the sector itself. Capital One Financial Corporation leads with income of $48,110 million, based on 17 of 28 comparable companies through Jun 2026.
Companies
28
complete canonical membership
Combined market value
$1.7T
Visa Inc.
Revenue growing
14/17
positive TTM year-on-year growth
Beating S&P 500
10/28
positive Mansfield relative strength
Comparing 5 of 28
03 · 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%
Encore Capital Group, Inc. has the strongest current balance of earnings trajectory, business quality, valuation and price confirmation, with 52.5% evidence confidence.
Synchrony Financial looks inexpensive relative to peers or its own history, but its earnings trajectory has not yet earned the valuation signal.
Federal Agricultural Mortgage Corporation has stronger price confirmation than earnings confirmation; that is a research prompt, not permission to chase.
How this score is built, and what the marks mean
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. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Encore Capital Group, Inc.ECPG | 64.9/100Thin evidence · provisional53% evidence | LEADER | 21.1/35 Income 34% · PAT — 29% evidence | 13.1/25 ROA — · ROE 9.3% · GNPA — 34% evidence | 13.4/20 P/BV 1.46× · P/BV÷ROE 0.16 70% evidence | 17.3/20 RS sector 39.2% · RS bench 33.5% · 1Y 121%11 of 12 weeks ahead 100% evidence |
| Exact sum: 21.1 + 13.1 + 13.4 + 17.3 = 64.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 2Mastercard IncorporatedMA | 64.3/100Mixed-positive evidence80% evidence | BREAKING OUT | 24.5/35 Income 16% · PAT 19.7% 81% evidence | 20.8/25 ROA 24% · ROE 214.7% · GNPA — 68% evidence | 4.6/20 P/BV 80.95× · P/BV÷ROE 0.38 70% evidence | 14.4/20 RS sector 3.9% · RS bench -1.1% · 1Y -2.8%8 of 12 weeks ahead 100% evidence |
| Exact sum: 24.5 + 20.8 + 4.6 + 14.4 = 64.3 · Decision use: Confirmed research leader: earnings, capital efficiency and relative strength agree. Move to management, catalyst and risk diligence. | ||||||
| 3Visa Inc.V | 64.3/100Mixed-positive evidence80% evidence | BREAKING OUT | 20.6/35 Income 14.4% · PAT 11.7% 81% evidence | 20.3/25 ROA 19.7% · ROE 64.7% · GNPA — 68% evidence | 7.6/20 P/BV 18.06× · P/BV÷ROE 0.28 70% evidence | 15.8/20 RS sector 8.4% · RS bench 3.2% · 1Y 8.6%11 of 12 weeks ahead 100% evidence |
| Exact sum: 20.6 + 20.3 + 7.6 + 15.8 = 64.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4EZCORP, Inc.EZPW | 60.2/100Mixed-positive evidence76% evidence | ASLEEP | 26.1/35 Income 22.9% · PAT 66.3% 71% evidence | 13.1/25 ROA 2.6% · ROE 5% · GNPA — 68% evidence | 8.3/20 P/BV 1.4× · P/BV÷ROE 0.28 70% evidence | 12.7/20 RS sector 15.4% · RS bench 10.7% · 1Y 73.5%2 of 12 weeks ahead 100% evidence |
| Exact sum: 26.1 + 13.1 + 8.3 + 12.7 = 60.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Affirm Holdings, Inc.AFRM | 59.2/100Mixed-positive evidence67% evidence | ASLEEP | 23.6/35 Income 32.1% · PAT — 45% evidence | 14.9/25 ROA 2.4% · ROE 15.1% · GNPA — 68% evidence | 8.6/20 P/BV 4.03× · P/BV÷ROE 0.27 70% evidence | 12.1/20 RS sector 5.1% · RS bench -0.4% · 1Y -22.3%8 of 12 weeks ahead 100% evidence |
| Exact sum: 23.6 + 14.9 + 8.6 + 12.1 = 59.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6Credit Acceptance CorporationCACC | 57.2/100Mixed-positive evidence62% evidence | FADING | 23.6/35 Income 20.5% · PAT 56.2% 55% evidence | 12.7/25 ROA — · ROE 8.4% · GNPA — 34% evidence | 5.4/20 P/BV 2.92× · P/BV÷ROE 0.35 70% evidence | 15.5/20 RS sector 15.3% · RS bench 10% · 1Y 18.6%9 of 12 weeks ahead 100% evidence |
| Exact sum: 23.6 + 12.7 + 5.4 + 15.5 = 57.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7Synchrony FinancialSYF | 56.3/100Mixed-positive evidence80% evidence | ASLEEP | 14.1/35 Income 7.9% · PAT 7.2% 81% evidence | 18.1/25 ROA 2.7% · ROE 19.4% · GNPA — 68% evidence | 16.3/20 P/BV 1.51× · P/BV÷ROE 0.08 70% evidence | 7.8/20 RS sector -1.7% · RS bench -6.5% · 1Y -2.2%4 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 18.1 + 16.3 + 7.8 = 56.3 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 8Sezzle Inc.SEZL | 55.8/100Mixed-positive evidence76% evidence | FADING | 18.7/35 Income 46.5% · PAT 40.6% 71% evidence | 18.6/25 ROA 14.3% · ROE 31.8% · GNPA — 68% evidence | 5.5/20 P/BV 10.81× · P/BV÷ROE 0.34 70% evidence | 13.0/20 RS sector 24% · RS bench 18.1% · 1Y 28.1%8 of 12 weeks ahead 100% evidence |
| Exact sum: 18.7 + 18.6 + 5.5 + 13 = 55.8 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 9Atlanticus Holdings CorporationATLC | 55.1/100Mixed-positive evidence70% evidence | FADING | 20.0/35 Income 68.7% · PAT 17.4% 71% evidence | 10.2/25 ROA 0.8% · ROE 7.1% · GNPA — 68% evidence | 8.6/20 P/BV 1.22× · P/BV÷ROE 0.17 70% evidence | 16.3/20 RS sector 26.9% · RS bench 21% · 1Y 32.7%9 of 12 weeks ahead 70% evidence |
| Exact sum: 20 + 10.2 + 8.6 + 16.3 = 55.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 10American Express CompanyAXP | 50.3/100Mixed-positive evidence72% evidence | ASLEEP | 17.9/35 Income — · PAT 12.9% 60% evidence | 19.0/25 ROA 3.9% · ROE 35.2% · GNPA — 68% evidence | 10.7/20 P/BV 6.73× · P/BV÷ROE 0.19 70% evidence | 2.7/20 RS sector -9.1% · RS bench -13.6% · 1Y -8.4%1 of 12 weeks ahead 100% evidence |
| Exact sum: 17.9 + 19 + 10.7 + 2.7 = 50.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 11Capital One Financial CorporationCOF | 46.4/100Thin evidence · provisional54% evidence | ASLEEP | 22.9/35 Income 100% · PAT — 33% evidence | 10.6/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 5.2/20 P/BV 1.08× · P/BV÷ROE 0.4 70% evidence | 7.7/20 RS sector -4.4% · RS bench -9.2% · 1Y -11%7 of 12 weeks ahead 100% evidence |
| Exact sum: 22.9 + 10.6 + 5.2 + 7.7 = 46.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 12Enova International, Inc.ENVA | 44.4/100Mixed-negative evidence60% evidence | FADING | 17.8/35 Income — · PAT — 26% evidence | 15.2/25 ROA 2.7% · ROE 7.7% · GNPA — 68% evidence | 4.1/20 P/BV 4× · P/BV÷ROE 0.52 70% evidence | 7.3/20 RS sector 0.9% · RS bench -3.8% · 1Y 36.6%11 of 12 weeks ahead 100% evidence |
| Exact sum: 17.8 + 15.2 + 4.1 + 7.3 = 44.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 13Jefferson Capital, Inc.JCAP | 44.0/100Mixed-negative evidence70% evidence | BREAKING OUT | 10.2/35 Income 29.9% · PAT 1.3% 71% evidence | 16.8/25 ROA 5.7% · ROE 8.6% · GNPA — 68% evidence | 8.0/20 P/BV 2.4× · P/BV÷ROE 0.28 70% evidence | 9.0/20 RS sector -0.3% · RS bench -5% · 1Y 14.1%6 of 12 weeks ahead 70% evidence |
| Exact sum: 10.2 + 16.8 + 8 + 9 = 44 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 14SoFi Technologies, Inc.SOFI | 41.8/100Mixed-negative evidence72% evidence | ASLEEP | 20.1/35 Income — · PAT 13.6% 60% evidence | 10.1/25 ROA 1.3% · ROE 6.3% · GNPA — 68% evidence | 6.7/20 P/BV 2.08× · P/BV÷ROE 0.33 70% evidence | 4.9/20 RS sector -21.3% · RS bench -25.6% · 1Y -42.9%4 of 12 weeks ahead 100% evidence |
| Exact sum: 20.1 + 10.1 + 6.7 + 4.9 = 41.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 15Nelnet, Inc.NNI | 41.0/100Mixed-negative evidence62% evidence | BASING | 20.8/35 Income 18.6% · PAT 52.5% 55% evidence | 10.0/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 5.0/20 P/BV 1.24× · P/BV÷ROE 0.46 70% evidence | 5.2/20 RS sector -4.6% · RS bench -9.1% · 1Y 0.3%0 of 12 weeks ahead 100% evidence |
| Exact sum: 20.8 + 10 + 5 + 5.2 = 41 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 16OneMain Holdings, Inc.OMF | 40.3/100Mixed-negative evidence60% evidence | FADING | 16.0/35 Income — · PAT — 26% evidence | 8.4/25 ROA 0.6% · ROE 4.5% · GNPA — 68% evidence | 4.8/20 P/BV 2.07× · P/BV÷ROE 0.46 70% evidence | 11.1/20 RS sector -0.2% · RS bench -5.1% · 1Y -0.4%7 of 12 weeks ahead 100% evidence |
| Exact sum: 16 + 8.4 + 4.8 + 11.1 = 40.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 17PayPal Holdings, Inc.PYPL | 37.6/100Mixed-negative evidence80% evidence | BREAKING OUT | 9.8/35 Income 5.7% · PAT 4.8% 81% evidence | 12.0/25 ROA 1.5% · ROE 5.5% · GNPA — 68% evidence | 5.9/20 P/BV 1.88× · P/BV÷ROE 0.34 70% evidence | 9.9/20 RS sector -3.2% · RS bench -8.3% · 1Y -22.7%10 of 12 weeks ahead 100% evidence |
| Exact sum: 9.8 + 12 + 5.9 + 9.9 = 37.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 18The Western Union CompanyWU | 37.4/100Thin evidence · provisional54% evidence | BASING | 13.6/35 Income — · PAT — 26% evidence | 12.7/25 ROA 1.3% · ROE 8.5% · GNPA — 68% evidence | 7.1/20 P/BV 2.62× · P/BV÷ROE 0.31 70% evidence | 4.0/20 RS sector -25.2% · RS bench -28.7% · 1Y -19.7%0 of 12 weeks ahead 70% evidence |
| Exact sum: 13.6 + 12.7 + 7.1 + 4 = 37.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 19Navient CorporationNAVI | 36.1/100Thin evidence · provisional53% evidence | BREAKING OUT | 14.1/35 Income -63% · PAT -206.9% 29% evidence | 9.1/25 ROA — · ROE 0.7% · GNPA — 34% evidence | 4.6/20 P/BV 0.32× · P/BV÷ROE 0.46 70% evidence | 8.3/20 RS sector -4.7% · RS bench -9.8% · 1Y -26.8%6 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 9.1 + 4.6 + 8.3 = 36.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 20Upstart Holdings, Inc.UPST | 35.2/100Thin evidence · provisional55% evidence | ASLEEP | 18.3/35 Income 57.6% · PAT — 45% evidence | 4.0/25 ROA -0.3% · ROE -0.9% · GNPA — 68% evidence | 9.5/20 P/BV 3.35× · P/BV÷ROE — 10% evidence | 3.4/20 RS sector -31.7% · RS bench -35.6% · 1Y -63.4%2 of 12 weeks ahead 100% evidence |
| Exact sum: 18.3 + 4 + 9.5 + 3.4 = 35.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 21Federal Agricultural Mortgage CorporationAGM | 54.3/100Thin evidence · provisional46% evidence | LEADER | 17.2/35 Income — · PAT — 10% evidence | 11.3/25 ROA — · ROE 3.9% · GNPA — 34% evidence | 7.5/20 P/BV 1.17× · P/BV÷ROE 0.3 70% evidence | 18.3/20 RS sector 20.8% · RS bench 15.1% · 1Y 20.2%12 of 12 weeks ahead 100% evidence |
| Exact sum: 17.2 + 11.3 + 7.5 + 18.3 = 54.3 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 22Bread Financial Holdings, Inc.BFH | 51.3/100Thin evidence · provisional46% evidence | FADING | 17.0/35 Income — · PAT — 10% evidence | 11.2/25 ROA — · ROE 4.5% · GNPA — 34% evidence | 8.6/20 P/BV 1.25× · P/BV÷ROE 0.28 70% evidence | 14.5/20 RS sector 28.6% · RS bench 22.9% · 1Y 69.9%9 of 12 weeks ahead 100% evidence |
| Exact sum: 17 + 11.2 + 8.6 + 14.5 = 51.3 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 23World Acceptance CorporationWRLD | 47.8/100Thin evidence · provisional46% evidence | FADING | 18.1/35 Income — · PAT — 10% evidence | 9.5/25 ROA — · ROE 2% · GNPA — 34% evidence | 4.0/20 P/BV 1.79× · P/BV÷ROE 0.9 70% evidence | 16.2/20 RS sector 15.3% · RS bench 9.8% · 1Y 7.8%10 of 12 weeks ahead 100% evidence |
| Exact sum: 18.1 + 9.5 + 4 + 16.2 = 47.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 24FirstCash Holdings, Inc.FCFS | 44.2/100Thin evidence · provisional46% evidence | ASLEEP | 17.6/35 Income — · PAT — 10% evidence | 11.5/25 ROA — · ROE 4.2% · GNPA — 34% evidence | 3.3/20 P/BV 4.05× · P/BV÷ROE 0.96 70% evidence | 11.8/20 RS sector 12.6% · RS bench 7.9% · 1Y 50%0 of 12 weeks ahead 100% evidence |
| Exact sum: 17.6 + 11.5 + 3.3 + 11.8 = 44.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 25SLM CorporationSLM | 41.6/100Thin evidence · provisional46% evidence | BREAKING OUT | 16.6/35 Income — · PAT — 10% evidence | 10.0/25 ROA — · ROE 2.4% · GNPA — 34% evidence | 4.2/20 P/BV 1.97× · P/BV÷ROE 0.82 70% evidence | 10.8/20 RS sector -0.4% · RS bench -5.4% · 1Y -11.1%10 of 12 weeks ahead 100% evidence |
| Exact sum: 16.6 + 10 + 4.2 + 10.8 = 41.6 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 26Lufax Holding LtdLU | 37.8/100Thin evidence · provisional29% evidence | BASING | 15.5/35 Income -11.2% · PAT — 18% evidence | 9.5/25 ROA — · ROE -0.7% · GNPA — 26% evidence | 9.8/20 P/BV 0.19× · P/BV÷ROE — 10% evidence | 3.0/20 RS sector -46.2% · RS bench -49.1% · 1Y -63.9%0 of 12 weeks ahead 70% evidence |
| Exact sum: 15.5 + 9.5 + 9.8 + 3 = 37.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 27Ally Financial Inc.ALLY | 36.7/100Thin evidence · provisional46% evidence | ASLEEP | 17.1/35 Income — · PAT — 10% evidence | 10.5/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 6.4/20 P/BV 0.9× · P/BV÷ROE 0.34 70% evidence | 2.7/20 RS sector -6.2% · RS bench -10.6% · 1Y -8.8%0 of 12 weeks ahead 100% evidence |
| Exact sum: 17.1 + 10.5 + 6.4 + 2.7 = 36.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 28Klarna Group plcKLAR | 36.1/100Thin evidence · provisional49% evidence | ASLEEP | 18.4/35 Income 0% · PAT — 45% evidence | 4.6/25 ROA 0% · ROE 0% · GNPA — 68% evidence | 9.8/20 P/BV 2.01× · P/BV÷ROE — 10% evidence | 3.3/20 RS sector -37.9% · RS bench -41.7% · 1Y -67.4%7 of 12 weeks ahead 70% evidence |
| Exact sum: 18.4 + 4.6 + 9.8 + 3.3 = 36.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Showing 10 of 28 companies
04 · what price has already done
Market action
Encore Capital Group, Inc. has the strongest one-year price move in Credit Services at +121%. It also leads on Mansfield relative strength against the S&P 500 at +33.5%. 10 of 28 covered companies are above zero on that measure. Every line covers 314 weekly closes through 2026-09-16.
Price and relative strength
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.
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.
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.
05 · compare level, then change
Income Scale & Growth Durability
Capital One Financial Corporation has the highest Income among the 28 Credit Services companies compared here, at $48,110 million. Visa Inc. is next at $44,488 million. The same company also holds the highest Income growth, at the 100% top of the scoring scale. 17 of 28 companies report a comparable reading, the latest through Jun 2026.
What the numbers say: Capital One Financial Corporation is the scale leader at $48,110 million, 8.1% ahead of Visa Inc.. Capital One Financial Corporation's growth is stored at the ≥100% scoring cap; the uncapped TTM change is 102.4% from a $48,110 million base, with 20 reported observations in the 20-quarter window. Treat the growth leader as an acceleration candidate, not as equally proven scale.
LeaderCapital One Financial Corporation · $48,110 million
Gap8.1% versus #2 · Visa Inc.
Persistence7/8 recent comparable periods
Coverage17/28 companies · 482 observations
Investor read: Capital One Financial Corporation is the scale benchmark; Capital One Financial Corporation is the acceleration watch. Promote the challenger only if growth persists and converts into margin and returns.
This conclusion weakens if: Capital One Financial Corporation's growth falls below Capital One Financial 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
Income growthfastest growers
Income · company comparison
17/28 level · 17/28 change
On every company-comparison chart on this page: solid lines show level, dotted lines show change when “Both” is selected, and a missing report breaks the line rather than being invented.
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.
| Company | Income | Income growth | Reported |
|---|---|---|---|
| Capital One Financial Corporation COF | $12.9B | 1,111% | Jun 2026 |
| Visa Inc. V | $11.6B | 14% | Jun 2026 |
| Mastercard Incorporated MA | $9.3B | 14% | Jun 2026 |
| PayPal Holdings, Inc. PYPL | $8.7B | 4.8% | Jun 2026 |
| Synchrony Financial SYF | $2.5B | 0.6% | 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% | Jun 2026 |
| Affirm Holdings, Inc. AFRM | $1.0B | 33% | Mar 2026 |
| FirstCash Holdings, Inc. FCFS | $1.0B | 26% | Jun 2026 |
| The Western Union Company WU | $983M | -0.1% | Jun 2026 |
| Enova International, Inc. ENVA | $875M | 17% | Jun 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 |
| Navient Corporation NAVI | $125M | -0.8% | Mar 2026 |
| Federal Agricultural Mortgage Corporation AGM | $105M | 13% | Jun 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 26 companies with a series here. The remaining 14 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.
Ally Financial Inc. · ALLY
$1.9B
$2.0B
$2.0B
$1.8B
$1.6B
$1.7B
$1.7B
$1.7B
$1.5B
$1.5B
$1.5B
$1.6B
$1.5B
$1.5B
$1.4B
$1.7B
$1.8B
$1.6B
$1.6B
—
Capital One Financial Corporation · COF
$8.2B
$7.7B
$7.5B
$7.1B
$7.1B
$6.6B
$6.1B
$6.5B
$7.1B
$6.6B
$6.7B
$5.6B
$7.5B
$7.5B
$7.6B
$1.1B
$12.6B
$11.4B
$11.2B
$12.9B
Credit Acceptance Corporation · CACC
$478M
$437M
$432M
$310M
$280M
$329M
$316M
$227M
$294M
$328M
$322M
$218M
$366M
$443M
$409M
$411M
$430M
$450M
$440M
—
FirstCash Holdings, Inc. · FCFS
$400M
$453M
$635M
$621M
$640M
$714M
$733M
$722M
$753M
$820M
$806M
$800M
$797M
$842M
$800M
$789M
$895M
$1.0B
$1.0B
—
Klarna Group plc · KLAR
—
—
—
—
—
—
—
—
—
—
$1M
$1M
$1M
$1M
$1M
$1M
$1M
$1M
$1M
—
Mastercard Incorporated · MA
$5.0B
$5.2B
$5.2B
$5.5B
$5.8B
$5.8B
$5.7B
$6.3B
$6.5B
$6.5B
$6.3B
$7.0B
$7.4B
$7.5B
$7.3B
$8.1B
$8.6B
$8.8B
$8.4B
$9.3B
OneMain Holdings, Inc. · OMF
$1.3B
$1.3B
$1.3B
$1.2B
$1.3B
$1.3B
$1.3B
$1.3B
$1.4B
$1.4B
$1.4B
$1.4B
$1.5B
$1.5B
$1.5B
$1.5B
$1.6B
$1.6B
$1.6B
—
PayPal Holdings, Inc. · PYPL
$6.2B
$6.9B
$6.5B
$6.8B
$6.8B
$7.4B
$7.0B
$7.3B
$7.4B
$8.0B
$7.7B
$7.9B
$7.8B
$8.4B
$7.8B
$8.3B
$8.4B
$8.7B
$8.4B
$8.7B
SLM Corporation · SLM
$233M
$535M
$299M
$591M
$257M
$44M
$313M
$513M
$211M
$427M
$549M
$497M
$112M
$282M
$558M
$255M
$366M
$473M
$571M
—
Synchrony Financial · SYF
$2.5B
$2.2B
$2.3B
$2.1B
$2.0B
$1.9B
$1.9B
$1.9B
$2.0B
$1.9B
$2.9B
$2.0B
$2.2B
$2.2B
$2.2B
$2.5B
$2.7B
$2.4B
$2.4B
$2.5B
Visa Inc. · V
$6.6B
$7.1B
$7.2B
$7.3B
$7.8B
$7.9B
$8.0B
$8.1B
$8.6B
$8.6B
$8.8B
$8.9B
$9.6B
$9.5B
$9.6B
$10.2B
$10.7B
$10.9B
$11.2B
$11.6B
Income growth · reported quarter history
Showing the 12 largest of 26 companies with a series here. The remaining 14 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
—
—
—
39%
35%
11%
7.3%
23%
37%
48%
51%
48%
40%
47%
36%
33%
34%
30%
33%
—
Ally Financial Inc. · ALLY
—
—
—
-16%
-17%
-14%
-16%
-6.8%
-7.5%
-12%
-9.9%
-5.3%
2.1%
-2.1%
-9.5%
8.5%
18%
11%
21%
—
Capital One Financial Corporation · COF
—
—
—
-16%
-13%
-14%
-19%
-8.7%
-0.8%
0.4%
10%
-14%
6.4%
14%
14%
-81%
68%
52%
46%
1,111%
Credit Acceptance Corporation · CACC
—
—
—
-38%
-41%
-25%
-27%
-27%
5.0%
-0.3%
1.9%
-4.0%
24%
35%
27%
89%
17%
1.6%
7.6%
—
FirstCash Holdings, Inc. · FCFS
—
—
—
59%
60%
58%
15%
16%
18%
15%
10.0%
11%
5.8%
2.7%
-0.7%
-1.4%
12%
20%
26%
—
Klarna Group plc · KLAR
—
—
—
—
—
—
—
—
—
—
—
—
—
—
0.0%
0.0%
0.0%
0.0%
0.0%
—
Mastercard Incorporated · MA
—
—
—
21%
15%
12%
11%
14%
14%
13%
10%
11%
13%
14%
14%
17%
17%
18%
16%
14%
OneMain Holdings, Inc. · OMF
—
—
—
1.1%
1.6%
2.9%
1.6%
5.5%
5.0%
6.4%
6.5%
7.0%
8.3%
7.6%
11%
8.8%
6.2%
8.9%
5.9%
—
PayPal Holdings, Inc. · PYPL
—
—
—
9.1%
11%
6.7%
8.6%
7.1%
8.4%
8.7%
9.4%
8.2%
5.8%
4.2%
1.2%
5.1%
7.3%
3.7%
7.2%
4.8%
SLM Corporation · SLM
—
—
—
84%
10%
-92%
4.7%
-13%
-18%
870%
75%
-3.1%
-47%
-34%
1.6%
-49%
227%
68%
2.3%
—
Synchrony Financial · SYF
—
—
—
-17%
-19%
-13%
-16%
-11%
0.1%
-2.0%
53%
5.8%
12%
21%
-24%
24%
21%
5.0%
6.1%
0.6%
Visa Inc. · V
—
—
—
19%
19%
12%
11%
12%
11%
8.8%
9.9%
9.6%
12%
10%
9.3%
14%
12%
15%
17%
14%
06 · compare level, then change
Profit Scale & Acceleration
Visa Inc. has the highest Net profit among the 28 Credit Services companies compared here, at $22,399 million. Mastercard Incorporated is next at $16,257 million. EZCORP, Inc. has the highest Profit growth at 66.3%, so level and change sit with different companies. 19 of 28 companies report a comparable reading, the latest through Jun 2026.
What the numbers say: Visa Inc. leads with $22,399 million of TTM profit, 37.8% above Mastercard Incorporated. EZCORP, Inc. shows 66.3% growth from a $148 million profit base. Compare the size of the base and persistence before ranking acceleration above profit scale.
LeaderVisa Inc. · $22,399 million
Gap37.8% versus #2 · Mastercard Incorporated
Persistence6/8 recent comparable periods
Coverage19/28 companies · 522 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
3American Express Company AXP$11.3B
Profit growthfastest growers
Net profit · company comparison
19/28 level · 12/28 change
All-company data · latest reported quarter
| Company | Net profit | Profit growth | Reported |
|---|---|---|---|
| Visa Inc. V | $5.6B | 7.0% | Jun 2026 |
| Mastercard Incorporated MA | $4.4B | 19% | Jun 2026 |
| American Express Company AXP | $3.1B | 7.8% | Jun 2026 |
| Capital One Financial Corporation COF | $3.0B | 55% | Jun 2026 |
| PayPal Holdings, Inc. PYPL | $1.1B | -12% | Jun 2026 |
| Synchrony Financial SYF | $864M | -8.7% | 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% | Jun 2026 |
| Bread Financial Holdings, Inc. BFH | $181M | 27% | Jun 2026 |
| SoFi Technologies, Inc. SOFI | $157M | 62% | Jun 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% | Jun 2026 |
| Federal Agricultural Mortgage Corporation AGM | $59M | 18% | Jun 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 |
| Navient Corporation NAVI | $17M | -127% | Mar 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
$-307M
$-160M
$-55M
$-186M
$-251M
$-322M
$-206M
$-206M
$-172M
$-167M
$-134M
$-45M
$-100M
$80M
$3M
$69M
$81M
$130M
$103M
—
Ally Financial Inc. · ALLY
$712M
$658M
$655M
$482M
$417M
$445M
$320M
$403M
$228M
$84M
$143M
$219M
$198M
$109M
$-225M
$352M
$398M
$327M
$319M
—
American Express Company · AXP
$1.8B
$1.7B
$2.1B
$1.9B
$1.9B
$1.5B
$1.8B
$2.1B
$2.4B
$1.9B
$2.4B
$3.0B
$2.5B
$2.1B
$2.6B
$2.9B
$2.9B
$2.4B
$2.9B
$3.1B
Capital One Financial Corporation · COF
$3.1B
$2.4B
$2.4B
$2.0B
$1.7B
$1.2B
$960M
$1.4B
$1.8B
$706M
$1.3B
$597M
$1.8B
$1.1B
$1.4B
$-4.3B
$1M
$1.8B
$2.2B
$3.0B
Credit Acceptance Corporation · CACC
$250M
$218M
$214M
$107M
$87M
$127M
$100M
$22M
$71M
$94M
$64M
$-47M
$79M
$152M
$106M
$87M
$108M
$122M
$136M
—
FirstCash Holdings, Inc. · FCFS
$33M
$29M
$28M
$86M
$59M
$80M
$47M
$45M
$57M
$70M
$61M
$49M
$65M
$84M
$84M
$60M
$83M
$104M
$108M
—
Mastercard Incorporated · MA
$2.4B
$2.4B
$2.6B
$2.3B
$2.5B
$2.5B
$2.4B
$2.8B
$3.2B
$2.8B
$3.0B
$3.3B
$3.3B
$3.3B
$3.3B
$3.7B
$3.9B
$4.1B
$3.9B
$4.4B
OneMain Holdings, Inc. · OMF
$288M
$263M
$303M
$208M
$185M
$176M
$179M
$103M
$194M
$165M
$155M
$71M
$157M
$126M
$213M
$167M
$199M
$204M
$226M
—
PayPal Holdings, Inc. · PYPL
$1.1B
$801M
$509M
$-341M
$1.3B
$921M
$795M
$1.0B
$1.0B
$1.4B
$888M
$1.1B
$1.0B
$1.1B
$1.3B
$1.3B
$1.2B
$1.4B
$1.1B
$1.1B
SoFi Technologies, Inc. · SOFI
$-40M
$-121M
$-120M
$-106M
$-84M
$-50M
$-44M
$-58M
$-277M
$38M
$78M
$8M
$61M
$332M
$71M
$97M
$139M
$174M
$167M
$157M
Synchrony Financial · SYF
$1.1B
$803M
$922M
$793M
$692M
$567M
$590M
$559M
$618M
$429M
$1.3B
$624M
$768M
$753M
$736M
$946M
$1.1B
$730M
$784M
$864M
Visa Inc. · V
$3.5B
$3.9B
$3.6B
$3.3B
$3.9B
$4.1B
$4.2B
$4.1B
$4.6B
$4.8B
$4.6B
$4.8B
$5.2B
$5.1B
$4.5B
$5.2B
$5.0B
$5.8B
$6.0B
$5.6B
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
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
63%
3,333%
—
Ally Financial Inc. · ALLY
—
—
—
-46%
-41%
-32%
-51%
-16%
-45%
-81%
-55%
-46%
-13%
30%
-257%
61%
101%
200%
—
—
American Express Company · AXP
—
—
—
-15%
3.8%
-7.9%
-14%
11%
31%
23%
35%
39%
2.3%
12%
6.1%
-4.2%
16%
14%
15%
7.8%
Capital One Financial Corporation · COF
—
—
—
-43%
-45%
-49%
-60%
-30%
5.7%
-43%
33%
-58%
-0.7%
55%
9.7%
-814%
-100%
60%
55%
—
Credit Acceptance Corporation · CACC
—
—
—
-63%
-65%
-42%
-53%
-79%
-18%
-26%
-36%
-314%
11%
62%
66%
—
37%
-20%
28%
—
FirstCash Holdings, Inc. · FCFS
—
—
—
207%
79%
176%
68%
-48%
-3.4%
-13%
30%
8.9%
14%
20%
38%
22%
28%
24%
29%
—
Mastercard Incorporated · MA
—
—
—
10%
3.5%
6.1%
-10%
25%
28%
11%
28%
15%
2.0%
20%
8.9%
14%
20%
21%
18%
19%
OneMain Holdings, Inc. · OMF
—
—
—
-41%
-36%
-33%
-41%
-50%
4.9%
-6.3%
-13%
-31%
-19%
-24%
37%
135%
27%
62%
6.1%
—
PayPal Holdings, Inc. · PYPL
—
—
—
-129%
22%
15%
56%
—
-23%
52%
12%
9.6%
-1.0%
-20%
45%
12%
24%
28%
-14%
-12%
SoFi Technologies, Inc. · SOFI
—
—
—
—
—
—
—
—
—
—
—
—
—
774%
-9.0%
1,113%
128%
-48%
135%
62%
Synchrony Financial · SYF
—
—
—
-36%
-39%
-29%
-36%
-30%
-11%
-24%
117%
12%
24%
76%
-43%
52%
38%
-3.1%
6.5%
-8.7%
Visa Inc. · V
—
—
—
30%
10%
6.0%
17%
23%
19%
17%
9.7%
17%
14%
5.2%
-1.4%
8.7%
-3.9%
15%
32%
7.0%
07 · 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. American Express Company is next at $155,864 million. Lufax Holding Ltd has the highest Borrowings at $98,961 million, so level and change sit with different companies. 8 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
Gap210.7% versus #2 · American Express Company
Persistence8/8 recent comparable periods
Coverage8/28 companies · 144 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
2American Express Company AXP$155.9B
5SoFi Technologies, Inc. SOFI$45.4B
Borrowingslargest borrowings
2American Express Company AXP$59.1B
Funding base · company comparison
8/28 level · 28/28 change
All-company data · latest reported quarter
| Company | Deposits | Borrowings | Reported |
|---|---|---|---|
| Capital One Financial Corporation COF | $484.3B | $45.4B | Jun 2026 |
| American Express Company AXP | $155.9B | $59.1B | 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 | $45.4B | $3.4B | Jun 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 | — | $23.9B | Jun 2026 |
| Mastercard Incorporated MA | — | $24.6B | Jun 2026 |
| PayPal Holdings, Inc. PYPL | — | $13.4B | Jun 2026 |
| Affirm Holdings, Inc. AFRM | — | $9.1B | Mar 2026 |
| FirstCash Holdings, Inc. FCFS | — | $2.3B | Jun 2026 |
| OneMain Holdings, Inc. OMF | — | $22.8B | Jun 2026 |
| Credit Acceptance Corporation CACC | — | $1.1B | Mar 2026 |
| Klarna Group plc KLAR | — | $1.4B | Mar 2026 |
| Nelnet, Inc. NNI | — | $7.7B | Mar 2026 |
| Enova International, Inc. ENVA | — | $5.0B | Jun 2026 |
| Sezzle Inc. SEZL | — | $145M | Mar 2026 |
| Upstart Holdings, Inc. UPST | — | $1.9B | Mar 2026 |
| Federal Agricultural Mortgage Corporation AGM | — | $2.2B | Jun 2026 |
| Encore Capital Group, Inc. ECPG | — | $4.0B | Mar 2026 |
| The Western Union Company WU | — | $2.7B | Jun 2026 |
| EZCORP, Inc. EZPW | — | $799M | Mar 2026 |
| Atlanticus Holdings Corporation ATLC | — | $6.4B | Mar 2026 |
| Jefferson Capital, Inc. JCAP | — | $1.4B | Mar 2026 |
| Navient Corporation NAVI | — | $39.2B | Mar 2026 |
| World Acceptance Corporation WRLD | — | $468M | Jun 2026 |
Full 20-quarter history · every available company
Deposits · reported quarter history
Ally Financial Inc. · ALLY
$139.4B
$141.6B
$142.5B
$140.4B
$145.8B
$152.3B
$154.0B
$154.3B
$152.8B
$154.7B
$155.1B
$152.2B
$152.0B
$151.6B
$151.4B
$147.9B
$148.4B
$151.6B
$153.2B
$154.0B
American Express Company · AXP
$83.3B
$83.3B
$89.9B
$95.4B
$102.5B
$109.1B
$119.8B
$121.8B
$123.5B
$128.2B
$133.5B
$132.9B
$134.5B
$138.5B
$145.5B
$148.4B
$148.9B
$151.4B
$156.7B
$155.9B
Bread Financial Holdings, Inc. · BFH
$2.1B
$11.0B
$10.6B
$11.0B
$12.4B
$13.8B
$13.1B
$13.0B
$13.3B
$13.6B
$13.3B
$13.0B
$12.8B
$13.1B
$13.1B
$13.3B
$13.5B
$13.9B
—
$14.7B
Capital One Financial Corporation · COF
$305.9B
$311.0B
$313.4B
$307.9B
$317.2B
$333.0B
$349.8B
$343.7B
$346.0B
$348.4B
$351.0B
$351.4B
$353.6B
$362.7B
$367.5B
$468.1B
$468.8B
$475.8B
$489.1B
$484.3B
Lufax Holding Ltd · LU
—
—
—
—
—
—
—
—
—
—
—
$3.1B
$3.4B
$3.9B
$5.4B
$5.4B
$9.5B
$9.5B
—
—
SLM Corporation · SLM
$20.9B
$20.8B
$21.2B
$20.0B
$21.3B
$21.4B
$21.8B
$20.4B
$21.6B
$21.7B
$20.9B
$20.7B
$21.4B
$21.1B
$20.5B
$20.5B
$20.0B
$21.1B
$20.5B
$19.9B
SoFi Technologies, Inc. · SOFI
—
—
$1.1B
$2.6B
$4.9B
$7.3B
$10.0B
$12.7B
$15.6B
$18.6B
$21.6B
$22.9B
$24.4B
$25.9B
$27.1B
$29.4B
$32.8B
$37.4B
$40.1B
$45.4B
Synchrony Financial · SYF
$60.4B
$62.3B
$63.6B
$64.7B
$68.4B
$71.7B
$74.4B
$75.8B
$78.1B
$81.2B
$83.6B
$83.1B
$82.3B
$82.1B
$83.4B
$82.3B
$79.9B
$81.1B
$82.9B
$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
$2.2B
$4.1B
$4.2B
$4.1B
$4.4B
$5.1B
$4.8B
$5.5B
$5.7B
$6.2B
$6.4B
$6.6B
$7.1B
$7.5B
$7.4B
$7.9B
$8.0B
$9.2B
$9.1B
—
Ally Financial Inc. · ALLY
$14.9B
$17.0B
$15.9B
$17.0B
$16.6B
$17.8B
$20.5B
$20.1B
$20.1B
$17.6B
$17.0B
$16.0B
$16.8B
$17.5B
$16.5B
$15.9B
$17.7B
$17.1B
$19.4B
$17.1B
American Express Company · AXP
$36.8B
$41.0B
$40.6B
$42.5B
$44.0B
$51.6B
$43.1B
$48.8B
$48.1B
$60.0B
$50.7B
$53.2B
$55.5B
$55.5B
$53.2B
$60.7B
$60.1B
$63.9B
$60.5B
$59.1B
Capital One Financial Corporation · COF
$37.5B
$43.1B
$45.4B
$58.9B
$54.6B
$48.7B
$48.8B
$50.3B
$49.2B
$49.9B
$50.4B
$48.0B
$49.3B
$45.6B
$41.8B
$52.7B
$51.5B
$51.0B
$51.9B
$45.4B
Credit Acceptance Corporation · CACC
$802M
$802M
$802M
$803M
$803M
$803M
$804M
$804M
$805M
$997M
$998M
$990M
$991M
$991M
$1.1B
$1.1B
$1.1B
$1.1B
$1.1B
—
FirstCash Holdings, Inc. · FCFS
$739M
$1.3B
$1.3B
$1.3B
$1.4B
$1.4B
$1.3B
$1.4B
$1.6B
$1.6B
$1.5B
$1.7B
$1.7B
$1.7B
$1.7B
$1.7B
$2.2B
$2.2B
$2.3B
$2.3B
Mastercard Incorporated · MA
$13.9B
$14.7B
$14.6B
$14.5B
$14.5B
$14.8B
$15.6B
$15.6B
$15.6B
$16.5B
$15.6B
$15.6B
$18.4B
$19.0B
$18.8B
$19.0B
$19.0B
$19.8B
$19.0B
$24.6B
OneMain Holdings, Inc. · OMF
$17.7B
$17.8B
$17.6B
$17.9B
$18.2B
$18.3B
$18.2B
$19.2B
$19.9B
$19.8B
$19.5B
$20.7B
$21.1B
$21.4B
$21.5B
$22.1B
$22.3B
$22.7B
$22.4B
$22.8B
PayPal Holdings, Inc. · PYPL
$7.9B
$8.0B
$8.2B
$10.2B
$10.2B
$10.4B
$10.5B
$10.5B
$10.6B
$9.7B
$9.7B
$9.7B
$10.0B
$9.9B
$11.4B
$11.3B
$11.3B
$10.0B
$9.4B
$13.4B
SoFi Technologies, Inc. · SOFI
$3.0B
$4.2B
$5.1B
$3.9B
$4.7B
$5.6B
$6.3B
$6.6B
$6.4B
$5.4B
$3.0B
$3.2B
$3.3B
$3.2B
$3.3B
$4.1B
$2.8B
$1.9B
$1.9B
$3.4B
Synchrony Financial · SYF
$12.8B
$14.5B
$13.4B
$12.2B
$14.3B
$14.2B
$14.9B
$14.2B
$15.2B
$16.0B
$16.1B
$15.6B
$15.6B
$15.5B
$17.0B
$16.0B
$14.4B
$15.2B
$16.4B
$16.4B
Visa Inc. · V
$21.6B
$20.9B
$21.0B
$23.8B
$23.3B
$20.5B
$20.6B
$20.6B
$21.3B
$20.7B
$20.6B
$20.6B
$21.7B
$20.6B
$20.8B
$25.1B
$26.1B
$21.2B
$24.0B
$23.9B
08 · compare level, then change
Return On Assets
Mastercard Incorporated has the highest ROA among the 28 Credit Services companies compared here, at 24%. Visa Inc. is next at 19.7%. Affirm Holdings, Inc. has the highest ROA change at +2.5 percentage points, so level and change sit with different companies. 16 of 28 companies report a comparable reading, the latest through Jun 2026.
What the numbers say: Mastercard Incorporated leads roa at 24%; Affirm Holdings, Inc. leads roa change at +2.5 percentage points.
LeaderMastercard Incorporated · 24%
Gap21.8% versus #2 · Visa Inc.
Persistence6/8 recent comparable periods
Coverage16/28 companies · 290 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 roa change signal.
ROA is the cleanest first comparison for lenders because the balance sheet is the operating asset.
ROAhighest
5American Express Company AXP3.9%
ROA changefastest improvers
Return on assets · company comparison
16/28 level · 16/28 change
All-company data · latest reported quarter
| Company | ROA | ROA change | Reported |
|---|---|---|---|
| Mastercard Incorporated MA | 24% | +1.7 pp | Jun 2026 |
| Visa Inc. V | 20% | +2.3 pp | Jun 2026 |
| Sezzle Inc. SEZL | 14% | −1.2 pp | Mar 2026 |
| Jefferson Capital, Inc. JCAP | 5.7% | −34,58,094.3 pp | Mar 2026 |
| American Express Company AXP | 3.9% | +0.2 pp | Jun 2026 |
| Synchrony Financial SYF | 2.7% | +0.2 pp | Jun 2026 |
| Enova International, Inc. ENVA | 2.7% | +0.1 pp | Jun 2026 |
| EZCORP, Inc. EZPW | 2.6% | +1.1 pp | Mar 2026 |
| Affirm Holdings, Inc. AFRM | 2.4% | +2.5 pp | Mar 2026 |
| PayPal Holdings, Inc. PYPL | 1.5% | 0.0 pp | Jun 2026 |
| SoFi Technologies, Inc. SOFI | 1.3% | +0.5 pp | Jun 2026 |
| The Western Union Company WU | 1.3% | −0.5 pp | Jun 2026 |
| Atlanticus Holdings Corporation ATLC | 0.8% | −0.2 pp | Mar 2026 |
| OneMain Holdings, Inc. OMF | 0.6% | 0.0 pp | Jun 2026 |
| Klarna Group plc KLAR | 0.0% | +1.2 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 16 companies with a series here. The remaining 4 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
-5.1%
-8.1%
-7.9%
-8.1%
-9.9%
-10%
-12%
-9.0%
-7.7%
-6.3%
-4.9%
-4.3%
-1.9%
-3.4%
-0.1%
-0.2%
1.3%
1.4%
2.4%
—
American Express Company · AXP
—
3.9%
3.7%
4.4%
3.9%
3.6%
2.8%
3.1%
3.6%
4.0%
3.0%
3.7%
4.5%
3.7%
3.2%
3.7%
4.0%
3.9%
3.3%
3.9%
Enova International, Inc. · ENVA
3.2%
2.6%
2.7%
2.4%
2.5%
2.4%
2.5%
2.3%
2.0%
1.9%
2.3%
2.4%
2.6%
2.6%
2.7%
2.6%
2.6%
2.5%
2.7%
2.7%
Klarna Group plc · KLAR
—
—
—
—
0.0%
0.0%
—
—
0.0%
0.0%
—
—
0.1%
-0.6%
-1.2%
-0.6%
-0.5%
-0.1%
0.0%
—
Mastercard Incorporated · MA
—
20%
19%
20%
22%
23%
21%
22%
24%
24%
22%
22%
24%
24%
22%
22%
24%
25%
24%
24%
OneMain Holdings, Inc. · OMF
1.3%
1.2%
1.4%
0.9%
0.8%
0.8%
0.8%
0.5%
0.8%
0.7%
0.7%
0.3%
0.6%
14%
0.9%
0.6%
0.8%
13%
0.9%
0.6%
PayPal Holdings, Inc. · PYPL
1.4%
1.6%
0.8%
-7.0%
1.2%
1.3%
1.0%
1.2%
1.3%
1.7%
1.1%
1.3%
1.3%
1.4%
1.5%
1.5%
1.5%
1.7%
1.5%
1.5%
Sezzle Inc. · SEZL
-10%
-12%
-15%
-8.3%
-9.5%
2.4%
3.2%
2.3%
3.1%
3.3%
7.6%
20%
8.4%
11%
16%
11%
9.7%
13%
14%
—
SoFi Technologies, Inc. · SOFI
—
-1.5%
-5.1%
-4.1%
-3.1%
-2.1%
-0.9%
-0.7%
-0.8%
-4.0%
0.7%
1.1%
0.2%
0.7%
3.8%
0.8%
1.0%
1.3%
1.4%
1.3%
Synchrony Financial · SYF
—
5.0%
3.5%
3.9%
3.4%
2.9%
2.2%
2.3%
2.1%
2.3%
1.5%
4.3%
2.1%
2.6%
2.6%
2.5%
3.2%
3.6%
2.5%
2.7%
Upstart Holdings, Inc. · UPST
3.3%
5.2%
3.7%
-2.9%
-3.3%
-3.1%
-8.2%
-2.2%
-2.2%
-2.4%
-3.6%
-3.1%
-2.4%
-0.2%
-0.2%
0.2%
1.0%
0.7%
-0.3%
—
Visa Inc. · V
—
13%
15%
15%
15%
15%
16%
16%
16%
16%
16%
16%
16%
17%
18%
17%
18%
18%
19%
20%
ROA change · reported quarter history
Showing the 12 largest of 16 companies with a series here. The remaining 4 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
—
—
—
—
−4.8 pp
−2.1 pp
−4.1 pp
−0.9 pp
+2.2 pp
+3.9 pp
+7.1 pp
+4.7 pp
+5.8 pp
+2.9 pp
+4.8 pp
+4.1 pp
+3.2 pp
+4.8 pp
+2.5 pp
—
American Express Company · AXP
—
—
—
—
—
−0.3 pp
−0.9 pp
−1.3 pp
−0.3 pp
+0.4 pp
+0.2 pp
+0.6 pp
+0.9 pp
−0.3 pp
+0.2 pp
0.0 pp
−0.5 pp
+0.2 pp
+0.1 pp
+0.2 pp
Enova International, Inc. · ENVA
—
—
—
—
−0.7 pp
−0.2 pp
−0.2 pp
−0.1 pp
−0.5 pp
−0.5 pp
−0.2 pp
+0.1 pp
+0.6 pp
+0.7 pp
+0.4 pp
+0.2 pp
0.0 pp
−0.1 pp
0.0 pp
+0.1 pp
Klarna Group plc · KLAR
—
—
—
—
—
—
—
—
0.0 pp
0.0 pp
—
—
+0.1 pp
−0.6 pp
—
—
−0.6 pp
+0.5 pp
+1.2 pp
—
Mastercard Incorporated · MA
—
—
—
—
—
+2.4 pp
+1.1 pp
+1.6 pp
+1.9 pp
+1.9 pp
+1.9 pp
+0.4 pp
+0.7 pp
0.0 pp
−0.3 pp
+0.4 pp
+0.1 pp
+0.2 pp
+1.6 pp
+1.7 pp
OneMain Holdings, Inc. · OMF
—
—
—
—
−0.5 pp
−0.4 pp
−0.6 pp
−0.4 pp
0.0 pp
−0.1 pp
−0.1 pp
−0.2 pp
−0.2 pp
+13.0 pp
+0.2 pp
+0.3 pp
+0.2 pp
−0.5 pp
0.0 pp
0.0 pp
PayPal Holdings, Inc. · PYPL
—
—
—
—
−0.2 pp
−0.3 pp
+0.2 pp
+8.2 pp
+0.1 pp
+0.4 pp
+0.1 pp
+0.1 pp
0.0 pp
−0.3 pp
+0.4 pp
+0.2 pp
+0.2 pp
+0.3 pp
0.0 pp
0.0 pp
Sezzle Inc. · SEZL
—
—
—
—
+0.8 pp
+14.7 pp
+18.3 pp
+10.6 pp
+12.6 pp
+0.9 pp
+4.4 pp
+17.6 pp
+5.3 pp
+7.8 pp
+7.9 pp
−9.1 pp
+1.3 pp
+2.0 pp
−1.2 pp
—
SoFi Technologies, Inc. · SOFI
—
—
—
—
—
−0.6 pp
+4.2 pp
+3.4 pp
+2.3 pp
−1.9 pp
+1.6 pp
+1.8 pp
+1.0 pp
+4.7 pp
+3.1 pp
−0.3 pp
+0.8 pp
+0.6 pp
−2.4 pp
+0.5 pp
Synchrony Financial · SYF
—
—
—
—
—
−2.1 pp
−1.3 pp
−1.6 pp
−1.3 pp
−0.6 pp
−0.7 pp
+2.0 pp
0.0 pp
+0.3 pp
+1.1 pp
−1.8 pp
+1.1 pp
+1.0 pp
−0.1 pp
+0.2 pp
Upstart Holdings, Inc. · UPST
—
—
—
—
−6.6 pp
−8.3 pp
−11.9 pp
+0.7 pp
+1.1 pp
+0.7 pp
+4.6 pp
−0.9 pp
−0.2 pp
+2.2 pp
+3.4 pp
+3.3 pp
+3.4 pp
+0.9 pp
−0.1 pp
—
Visa Inc. · V
—
—
—
—
—
+1.7 pp
+1.0 pp
+0.7 pp
+1.1 pp
+0.9 pp
+0.5 pp
+0.4 pp
+0.3 pp
+1.3 pp
+1.1 pp
+1.5 pp
+1.7 pp
+0.6 pp
+1.4 pp
+2.3 pp
09 · compare level, then change
ROE — Leaders & Improvers
Mastercard Incorporated has the highest ROE among the 28 Credit Services companies compared here, at 214.7%. Visa Inc. is next at 64.7%. Visa Inc. has the highest ROE change at +16.7 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: Mastercard Incorporated leads roe at 214.7%; Visa Inc. leads roe change at +16.7 percentage points.
LeaderMastercard Incorporated · 214.7%
Gap231.8% versus #2 · Visa Inc.
Persistence6/8 recent comparable periods
Coverage28/28 companies · 524 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
3American Express Company AXP35%
ROE changefastest improvers
Return on equity · company comparison
28/28 level · 28/28 change
All-company data · latest reported quarter
| Company | ROE | ROE change | Reported |
|---|---|---|---|
| Mastercard Incorporated MA | 215% | +16.1 pp | Jun 2026 |
| Visa Inc. V | 65% | +16.7 pp | Jun 2026 |
| American Express Company AXP | 35% | +1.6 pp | Jun 2026 |
| Sezzle Inc. SEZL | 32% | −14.8 pp | Mar 2026 |
| Synchrony Financial SYF | 19% | +1.1 pp | Jun 2026 |
| Affirm Holdings, Inc. AFRM | 15% | +3.7 pp | Mar 2026 |
| Encore Capital Group, Inc. ECPG | 9.3% | +4.0 pp | Mar 2026 |
| Jefferson Capital, Inc. JCAP | 8.6% | −21.0 pp | Mar 2026 |
| The Western Union Company WU | 8.5% | −9.9 pp | Jun 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 |
| SoFi Technologies, Inc. SOFI | 6.3% | +2.0 pp | Jun 2026 |
| PayPal Holdings, Inc. PYPL | 5.5% | −0.7 pp | Jun 2026 |
| EZCORP, Inc. EZPW | 5.0% | +1.9 pp | Mar 2026 |
| OneMain Holdings, Inc. OMF | 4.5% | −0.7 pp | Jun 2026 |
| Bread Financial Holdings, Inc. BFH | 4.5% | +0.1 pp | Jun 2026 |
| FirstCash Holdings, Inc. FCFS | 4.2% | +1.1 pp | Jun 2026 |
| Federal Agricultural Mortgage Corporation AGM | 3.9% | +0.3 pp | Jun 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 |
| Navient Corporation NAVI | 0.7% | +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
-20%
-50%
-26%
-8.7%
-29%
-39%
-51%
-33%
-33%
-27%
-26%
-20%
-6.7%
-14%
11%
0.4%
9.3%
10%
15%
—
Ally Financial Inc. · ALLY
4.5%
4.1%
4.4%
3.1%
2.0%
3.0%
2.2%
2.4%
2.3%
0.6%
1.1%
3.2%
2.9%
0.8%
-1.6%
2.5%
5.3%
2.2%
2.1%
2.7%
American Express Company · AXP
—
29%
30%
38%
34%
32%
26%
29%
33%
36%
28%
34%
41%
34%
29%
34%
36%
36%
30%
35%
Capital One Financial Corporation · COF
5.1%
4.0%
4.1%
3.4%
3.0%
2.2%
1.7%
2.7%
3.4%
1.3%
2.3%
1.1%
3.0%
1.8%
2.3%
-5.0%
0.0%
2.0%
2.5%
2.7%
Credit Acceptance Corporation · CACC
12%
11%
11%
5.5%
4.9%
7.4%
5.9%
1.4%
4.3%
5.5%
3.8%
-2.9%
4.7%
8.7%
6.3%
5.6%
6.7%
7.5%
8.4%
—
FirstCash Holdings, Inc. · FCFS
2.7%
2.0%
1.9%
5.8%
4.0%
4.6%
2.7%
2.6%
3.3%
4.0%
3.2%
2.8%
3.7%
4.4%
4.1%
3.1%
4.7%
4.8%
4.9%
4.2%
Mastercard Incorporated · MA
—
144%
134%
145%
136%
157%
158%
160%
207%
214%
167%
168%
176%
174%
191%
199%
203%
199%
207%
215%
OneMain Holdings, Inc. · OMF
9.2%
8.1%
9.5%
6.3%
6.0%
5.8%
5.8%
3.4%
6.3%
5.3%
4.9%
2.3%
5.0%
4.0%
6.6%
5.2%
6.0%
6.2%
6.8%
4.5%
PayPal Holdings, Inc. · PYPL
5.4%
3.8%
2.5%
-1.7%
6.3%
4.4%
3.9%
5.2%
5.1%
6.8%
4.4%
5.6%
5.1%
5.4%
6.3%
6.2%
6.2%
7.1%
5.5%
5.5%
SoFi Technologies, Inc. · SOFI
—
-2.5%
-9.4%
-8.6%
-6.9%
-5.4%
-2.9%
-2.5%
-3.4%
-20%
3.5%
6.0%
1.2%
4.0%
21%
4.3%
5.7%
7.1%
7.2%
6.3%
Synchrony Financial · SYF
—
32%
24%
28%
24%
21%
18%
18%
17%
19%
13%
35%
17%
20%
19%
18%
23%
25%
18%
19%
Visa Inc. · V
—
38%
43%
40%
38%
44%
46%
45%
43%
48%
50%
47%
49%
54%
53%
48%
55%
53%
61%
65%
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
—
—
—
—
−8.9 pp
+10.7 pp
−24.4 pp
−24.1 pp
−4.0 pp
+11.9 pp
+25.1 pp
+12.4 pp
+26.0 pp
+12.5 pp
+37.1 pp
+20.8 pp
+16.0 pp
+24.5 pp
+3.7 pp
—
Ally Financial Inc. · ALLY
—
—
—
—
−2.5 pp
−1.1 pp
−2.2 pp
−0.7 pp
+0.3 pp
−2.4 pp
−1.1 pp
+0.8 pp
+0.6 pp
+0.2 pp
−2.7 pp
−0.7 pp
+2.4 pp
+1.4 pp
+3.7 pp
+0.2 pp
American Express Company · AXP
—
—
—
—
—
+2.7 pp
−3.7 pp
−9.0 pp
−1.4 pp
+4.4 pp
+2.1 pp
+5.6 pp
+8.4 pp
−2.4 pp
+1.0 pp
−0.7 pp
−5.1 pp
+2.0 pp
+1.0 pp
+1.6 pp
Capital One Financial Corporation · COF
—
—
—
—
−2.1 pp
−1.8 pp
−2.4 pp
−0.7 pp
+0.4 pp
−0.9 pp
+0.6 pp
−1.6 pp
−0.4 pp
+0.5 pp
0.0 pp
−6.1 pp
−3.0 pp
+0.2 pp
+0.2 pp
+7.7 pp
Credit Acceptance Corporation · CACC
—
—
—
—
−6.8 pp
−3.1 pp
−4.8 pp
−4.1 pp
−0.6 pp
−1.9 pp
−2.1 pp
−4.3 pp
+0.4 pp
+3.2 pp
+2.5 pp
+8.5 pp
+2.0 pp
−1.2 pp
+2.1 pp
—
FirstCash Holdings, Inc. · FCFS
—
—
—
—
+1.3 pp
+2.6 pp
+0.8 pp
−3.2 pp
−0.7 pp
−0.6 pp
+0.5 pp
+0.2 pp
+0.4 pp
+0.4 pp
+0.9 pp
+0.3 pp
+1.0 pp
+0.4 pp
+0.8 pp
+1.1 pp
Mastercard Incorporated · MA
—
—
—
—
—
+13.0 pp
+23.7 pp
+15.6 pp
+71.3 pp
+56.5 pp
+9.3 pp
+8.1 pp
−31.0 pp
−39.6 pp
+23.9 pp
+30.2 pp
+27.0 pp
+24.6 pp
+16.5 pp
+16.1 pp
OneMain Holdings, Inc. · OMF
—
—
—
—
−3.2 pp
−2.3 pp
−3.7 pp
−2.9 pp
+0.3 pp
−0.5 pp
−0.9 pp
−1.1 pp
−1.3 pp
−1.3 pp
+1.7 pp
+2.9 pp
+1.0 pp
+2.2 pp
+0.2 pp
−0.7 pp
PayPal Holdings, Inc. · PYPL
—
—
—
—
+0.9 pp
+0.6 pp
+1.4 pp
+6.9 pp
−1.2 pp
+2.4 pp
+0.5 pp
+0.4 pp
0.0 pp
−1.4 pp
+1.9 pp
+0.6 pp
+1.1 pp
+1.7 pp
−0.8 pp
−0.7 pp
SoFi Technologies, Inc. · SOFI
—
—
—
—
—
−2.9 pp
+6.5 pp
+6.1 pp
+3.5 pp
−14.1 pp
+6.4 pp
+8.5 pp
+4.6 pp
+23.5 pp
+17.5 pp
−1.7 pp
+4.5 pp
+3.1 pp
−13.8 pp
+2.0 pp
Synchrony Financial · SYF
—
—
—
—
—
−11.1 pp
−5.8 pp
−9.1 pp
−6.9 pp
−2.8 pp
−5.1 pp
+17.0 pp
−0.4 pp
+1.5 pp
+6.3 pp
−17.1 pp
+6.4 pp
+5.3 pp
−1.2 pp
+1.1 pp
Visa Inc. · V
—
—
—
—
—
+6.4 pp
+3.2 pp
+4.7 pp
+4.7 pp
+3.8 pp
+3.8 pp
+1.4 pp
+5.7 pp
+5.7 pp
+3.0 pp
+1.5 pp
+6.4 pp
−0.7 pp
+8.2 pp
+16.7 pp
10 · 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.
11 · compare level, then change
Valuation Against Growth & Quality
Synchrony Financial has the lowest P/BV ÷ ROE among the 28 Credit Services companies compared here, at 0.08×. 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 Jun 2026.
What the numbers say: Synchrony Financial has the lowest comparable P/BV ÷ ROE at 0.08×, 50% below Encore Capital Group, Inc.. Only 25 of 28 companies have earnings and growth steady enough for the ratio to mean anything, so no broad “cheapest stock” conclusion is defensible unless the current multiple, own-history position and growth durability agree.
LeaderSynchrony Financial · 0.08×
Gap50% versus #2 · Encore Capital Group, Inc.
Persistence0/8 recent comparable periods
Coverage25/28 companies · 431 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
4American Express Company AXP0.2
P/BVlowest P/BV
Valuation · company comparison
25/28 level · 28/28 change
All-company data · latest reported quarter
| 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 |
| FirstCash Holdings, Inc. FCFS | 1.0 | 4.1 | Jun 2026 |
| SLM Corporation SLM | 0.8 | 2.0 | Jun 2026 |
| Enova International, Inc. ENVA | 0.5 | 4.0 | Jun 2026 |
| OneMain Holdings, Inc. OMF | 0.5 | 2.1 | Jun 2026 |
| Nelnet, Inc. NNI | 0.5 | 1.2 | Mar 2026 |
| Navient Corporation NAVI | 0.5 | 0.3 | Mar 2026 |
| Capital One Financial Corporation COF | 0.4 | 1.1 | Jun 2026 |
| Mastercard Incorporated MA | 0.4 | 81.0 | Jun 2026 |
| Credit Acceptance Corporation CACC | 0.4 | 2.9 | Mar 2026 |
| PayPal Holdings, Inc. PYPL | 0.3 | 1.9 | Jun 2026 |
| Sezzle Inc. SEZL | 0.3 | 10.8 | Mar 2026 |
| SoFi Technologies, Inc. SOFI | 0.3 | 2.1 | Jun 2026 |
| Ally Financial Inc. ALLY | 0.3 | 0.9 | Jun 2026 |
| The Western Union Company WU | 0.3 | 2.6 | Jun 2026 |
| Federal Agricultural Mortgage Corporation AGM | 0.3 | 1.2 | Jun 2026 |
| Visa Inc. V | 0.3 | 18.1 | Jun 2026 |
| Bread Financial Holdings, Inc. BFH | 0.3 | 1.3 | Jun 2026 |
| EZCORP, Inc. EZPW | 0.3 | 1.4 | Mar 2026 |
| Jefferson Capital, Inc. JCAP | 0.3 | 2.4 | Mar 2026 |
| Affirm Holdings, Inc. AFRM | 0.3 | 4.0 | Mar 2026 |
| World Acceptance Corporation WRLD | 0.2 | 1.8 | Jun 2026 |
| American Express Company AXP | 0.2 | 6.7 | Jun 2026 |
| Atlanticus Holdings Corporation ATLC | 0.2 | 1.2 | Mar 2026 |
| Encore Capital Group, Inc. ECPG | 0.2 | 1.5 | Mar 2026 |
| Synchrony Financial SYF | 0.1 | 1.5 | Jun 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
—
—
—
—
—
—
—
—
—
—
—
—
—
—
0.4
18.2
0.8
0.7
0.3
—
Ally Financial Inc. · ALLY
0.2
0.2
0.2
0.2
0.3
0.2
0.3
0.3
0.3
1.3
0.8
0.3
0.3
1.0
—
0.3
0.2
0.4
0.4
0.3
American Express Company · AXP
—
0.2
0.2
0.1
0.1
0.1
0.2
0.2
0.1
0.1
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
Capital One Financial Corporation · COF
0.2
0.2
0.2
0.2
0.2
0.3
0.4
0.3
0.2
0.7
0.4
0.8
0.3
0.6
0.5
—
—
0.7
0.4
0.4
Credit Acceptance Corporation · CACC
0.4
0.5
0.4
0.7
0.7
0.5
0.6
2.7
0.8
0.7
1.1
—
0.7
0.4
0.6
0.7
0.5
0.4
0.4
—
FirstCash Holdings, Inc. · FCFS
1.1
1.1
1.0
0.3
0.5
0.5
0.9
0.9
0.8
0.7
0.9
1.0
0.8
0.5
0.6
0.9
0.8
0.6
0.7
1.0
Mastercard Incorporated · MA
—
0.3
0.4
0.3
0.3
0.3
0.4
0.4
0.3
0.3
0.4
0.3
0.3
0.4
0.4
0.3
0.3
0.3
0.3
0.4
OneMain Holdings, Inc. · OMF
0.3
0.3
0.2
0.2
0.2
0.2
0.3
0.5
0.3
0.4
0.4
0.8
0.4
0.5
0.3
0.4
0.3
0.4
0.3
0.5
PayPal Holdings, Inc. · PYPL
2.6
2.7
2.6
—
0.8
0.9
1.1
0.7
0.6
0.5
0.8
0.5
0.8
0.8
0.5
0.6
0.5
0.4
0.4
0.3
SoFi Technologies, Inc. · SOFI
—
—
—
—
—
—
—
—
—
—
0.4
0.2
1.1
0.6
0.1
0.7
0.6
0.4
0.3
0.3
Synchrony Financial · SYF
—
0.1
0.1
0.0
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
Visa Inc. · V
—
0.3
0.3
0.3
0.3
0.2
0.2
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.4
0.3
0.3
0.3
0.3
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
13.6
11.5
5.1
2.0
2.1
1.1
1.3
1.8
2.5
5.6
4.4
3.4
4.5
6.9
5.0
7.3
7.2
6.9
4.0
—
Ally Financial Inc. · ALLY
1.0
0.9
0.9
0.8
0.7
0.6
0.6
0.6
0.6
0.8
0.9
0.9
0.7
0.8
0.8
0.8
0.8
0.9
0.8
0.9
American Express Company · AXP
5.5
5.7
6.3
4.5
4.2
4.5
4.7
4.9
4.0
4.9
5.7
5.6
6.5
6.9
6.1
6.9
7.1
7.6
6.1
6.7
Capital One Financial Corporation · COF
1.1
1.0
0.9
0.8
0.7
0.7
0.7
0.8
0.7
0.9
1.0
0.9
0.9
1.1
1.1
1.2
1.2
1.3
1.0
1.1
Credit Acceptance Corporation · CACC
4.4
5.3
4.5
4.0
3.6
3.7
3.3
3.7
3.4
3.8
4.1
4.0
3.3
3.2
3.6
3.8
3.3
3.1
2.9
—
FirstCash Holdings, Inc. · FCFS
2.9
2.1
1.9
1.9
2.0
2.3
2.5
2.4
2.6
2.8
2.8
2.7
2.9
2.3
2.6
2.8
4.0
3.1
3.6
4.1
Mastercard Incorporated · MA
50.4
47.6
49.0
49.0
42.7
52.4
64.1
66.8
58.5
57.2
61.5
54.8
60.8
74.2
74.8
64.8
64.9
66.2
66.3
81.0
OneMain Holdings, Inc. · OMF
2.3
2.1
1.9
1.5
1.2
1.3
1.5
1.7
1.6
1.9
1.9
1.8
1.8
2.0
1.8
2.0
2.0
2.3
1.8
2.1
PayPal Holdings, Inc. · PYPL
13.8
10.1
6.5
4.1
4.9
4.0
4.3
3.7
3.2
3.1
3.4
2.9
3.9
4.2
3.2
3.5
3.1
2.7
2.0
1.9
SoFi Technologies, Inc. · SOFI
2.7
2.7
1.6
0.9
0.8
0.8
1.0
1.4
1.4
1.7
1.3
1.2
1.4
2.6
1.9
2.9
3.6
3.2
1.9
2.1
Synchrony Financial · SYF
2.0
1.9
1.4
1.0
1.0
1.2
1.0
1.1
0.9
1.1
1.2
1.2
1.2
1.5
1.2
1.5
1.6
1.8
1.4
1.5
Visa Inc. · V
11.7
11.7
12.0
10.7
9.6
10.8
11.2
11.6
11.2
12.2
12.9
13.5
13.4
15.6
17.4
17.2
16.8
16.7
15.6
18.1
12 · 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.
13 · 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 2026-09-16. 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 2026-09-16 · weekly price and relative-strength history
Derived metricsGrowth, changes 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.
14 · questions investors ask, short speakable answers
Credit Services company comparison FAQs
These 23 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 2026-09-16. Nothing here is estimated, and none of it is a recommendation.
Is the Credit Services sector outperforming S&P 500?
Credit Services has underperformed S&P 500 by 16.2% over 52 weeks and 2.9% over 13 weeks. 10 of 28 covered companies beat the S&P 500 on Mansfield relative strength, while 13 of 28 beat the sector itself.
Which Credit Services company is largest by income?
Capital One Financial Corporation leads with income of $48,110 million, based on 17 of 28 comparable companies through Jun 2026.
Which Credit Services company is growing fastest?
Capital One Financial Corporation has the fastest current income growth at 100%, across 17 of 28 comparable companies.
Which Credit Services company has the strongest 4-Factor Sector Score?
Encore Capital Group, Inc. ranks first at 64.9/100 with 52.5% 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?
Synchrony Financial has the lowest comparable P/BV ÷ ROE at 0.08, among 25 of 28 companies whose earnings and growth are steady enough for the ratio to mean anything.
How much history does this Credit Services comparison include?
The page compares up to 20 reported quarters per company for fundamentals, returns 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.
Which Credit Services company is the biggest?
Capital One Financial Corporation is the largest, with trailing-twelve-month income of $48,110 million, ahead of Visa Inc. at $44,488 million. That covers 17 of 28 companies with comparable reporting through Jun 2026.
Which Credit Services company makes the most profit?
Visa Inc. earns the most, at $22,399 million of trailing-twelve-month net profit, from 19 of 28 comparable companies. EZCORP, Inc. has the fastest profit growth at 66.3%, 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?
Mastercard Incorporated leads on return on assets at 24%, across 16 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 — Synchrony Financial screens cheapest at 0.08×. Only 25 of 28 companies have earnings and growth steady enough for the ratio to mean anything, 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 16.2% over the last 52 weeks and 2.9% over 13 weeks, measured on an equal-weight index of its current members. Inside the sector, 10 of 28 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?
Encore Capital Group, 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?
Encore Capital Group, Inc. scores 64.9 out of 100 with 52.5% evidence confidence, from 21.1 points on growth and earnings, 13.1 on capital efficiency, 13.4 on valuation and 17.3 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, 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 $1,707,355 million of combined market value. Visa Inc. is the largest at $680,881 million, about 40% of the sector's total on its own. Market value moves with price, so this reading is dated 2026-09-16.
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 2026-09-16.
How is the Credit Services sector performing?
10 of the 28 covered Credit Services companies are beating S&P 500 on Mansfield relative strength. The sector itself is 16.2% behind S&P 500 over 52 weeks on an equal-weight index of its current members. Readings are as of 2026-09-16.
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.
Not SEBI Registered !! Not Investment advice !!