29 Credit Services companies are scored. Their average composite is 61.7, and 1 is in the A range (76+). The leader is ENCORE CAPITAL GROUP INC (ECPG) at 77.0 (A-). This industry belongs to the Technology sector.
| # | Company | Composite | Grade | Industry opportunity | Stock selection | KPI momentum | Catalyst watch | Price | Expansion | Quality | Trend | Valuation gap |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | ENCORE CAPITAL GROUP INC (ECPG) | 77.0 | A- | 71 | 85 | 87 | 81 | 75 | 73 | 66 | 89 | -0.8% |
| 2 | Atlanticus Holdings Corp (ATLC) | 74.5 | B+ | 71 | 82 | 79 | 60 | 72 | 88 | 82 | 63 | -16.6% |
| 3 | Sezzle Inc. (SEZL) | 73.6 | B+ | 71 | 86 | 87 | 80 | 27 | 90 | 88 | 70 | +22.3% |
| 4 | FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) | 71.9 | B+ | 71 | 79 | 77 | 67 | 74 | 59 | 71 | 64 | -13.6% |
| 5 | BREAD FINANCIAL HOLDINGS, INC. (BFH) | 71.4 | B+ | 71 | 82 | 75 | 77 | 84 | 39 | 53 | 76 | -10.5% |
| 6 | Enova International, Inc. (ENVA) | 70.6 | B+ | 71 | 80 | 78 | 76 | 72 | 77 | 64 | 47 | -23.1% |
| 7 | Jefferson Capital, Inc. / DE (JCAP) | 69.6 | B | 71 | 82 | 81 | 67 | 89 | 27 | 81 | 43 | -0.3% |
| 8 | Mastercard Inc (MA) | 67.9 | B | 71 | 80 | 78 | 66 | 18 | 65 | 92 | 63 | +0.9% |
| 9 | Affirm Holdings, Inc. (AFRM) | 65.4 | B | 71 | 76 | 82 | 77 | 26 | 74 | 67 | 36 | -8.9% |
| 10 | PayPal Holdings Inc. (PYPL) | 65.3 | B | 92 | 82 | 86 | 76 | 87 | 18 | 55 | 42 | -0.8% |
| 11 | Synchrony Financial (SYF) | 64.1 | B | 71 | 79 | 77 | 73 | 89 | 25 | 59 | 31 | -4.1% |
| 12 | VISA INC. (V) | 64.1 | B | 71 | 76 | 75 | 65 | 17 | 55 | 91 | 69 | +1.2% |
| 13 | EZCORP INC (EZPW) | 63.8 | B- | 71 | 76 | 78 | 57 | 40 | 67 | 43 | 59 | +5.7% |
| 14 | CAPITAL ONE FINANCIAL CORP (COF) | 63.7 | B- | 71 | 75 | 69 | 67 | 77 | 70 | 34 | 31 | -4.8% |
| 15 | AMERICAN EXPRESS CO (AXP) | 62.3 | B- | 71 | 84 | 80 | 77 | 33 | 53 | 64 | 26 | -6.6% |
| 16 | Ally Financial Inc. (ALLY) | 62.0 | B- | 71 | 84 | 84 | 76 | 87 | 70 | 42 | 23 | -4.1% |
| 17 | CREDIT ACCEPTANCE CORP (CACC) | 61.9 | B- | 71 | 72 | 75 | 50 | 64 | 43 | 78 | 39 | -8.1% |
| 18 | SLM Corp (SLM) | 59.7 | B- | 71 | 76 | 64 | 72 | 88 | 24 | 80 | 14 | -28.2% |
| 19 | OneMain Holdings, Inc. (OMF) | 59.5 | B- | 71 | 71 | 65 | 70 | 87 | 44 | 59 | 32 | -10.0% |
| 20 | Upstart Holdings, Inc. (UPST) | 57.5 | C+ | 71 | 76 | 71 | 69 | 44 | 89 | 21 | 5 | +20.7% |
| 21 | WORLD ACCEPTANCE CORP (WRLD) | 56.4 | C+ | 71 | 53 | 66 | 42 | 59 | 35 | 48 | 46 | -8.5% |
| 22 | OppFi Inc. (OPFI) | 56.3 | C+ | 71 | 64 | 47 | 65 | 93 | 36 | 84 | 4 | -51.7% |
| 23 | SoFi Technologies, Inc. (SOFI) | 56.2 | C+ | 71 | 89 | 94 | 71 | 22 | 74 | 26 | 7 | -13.0% |
| 24 | NAVIENT CORP (NAVI) | 54.2 | C+ | 71 | 81 | 79 | 67 | 59 | 17 | 5 | 23 | -10.6% |
| 25 | Qfin Holdings, Inc. (QFIN) | 52.7 | C+ | 71 | 53 | 17 | 68 | 100 | 28 | 81 | 1 | -48.4% |
| 26 | FinVolution Group (FINV) | 51.2 | C | 71 | 61 | 47 | 61 | 99 | 16 | 57 | 3 | -35.2% |
| 27 | Western Union CO (WU) | 50.1 | C | 71 | 53 | 22 | 70 | 84 | 16 | 61 | 11 | +0.7% |
| 28 | GREEN DOT CORP (GDOT) | 49.4 | C | 71 | 70 | 73 | 65 | 47 | 38 | 8 | 32 | -2.4% |
| 29 | Lufax Holding Ltd (LU) | 38.4 | D+ | 71 | 43 | 30 | 48 | 40 | 34 | 20 | 1 | -40.4% |
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.