Best Credit Services Stocks
Payment networks (Visa, Mastercard), consumer credit, payment processors. Some of the strongest network-effect moats in the financial sector - payment networks have effectively zero marginal cost on incremental transactions.
Industry leader
Visa Inc. V
Buffett-Fit: 79/100
What drives this industry
Visa and Mastercard are textbook two-sided network monopolies - more cardholders attract more merchants, more merchants attract more cardholders, and the loop compounds for decades. ROIC routinely above 40%, FCF margins above 50%. Watch interchange-regulation risk + the long shadow of stablecoin alternatives.
Top 46 ranked by Buffett-Fit
Sorted by composite quality score - ROIC, margin stability, balance-sheet strength, growth quality. Click any ticker for the full Buffett verdict.
- 1
VVisa Inc.630.4B mcap
79Q - 2
MAMastercard Incorporated440.5B mcap
75Q - 3
SEZLSezzle Inc.3.5B mcap
68Q - 4
JCAPJefferson Capital, Inc. Common Stock958M mcap
64Q - 5
QFINQfin Holdings, Inc.1.5B mcap
64Q - 6
CGABLThe Carlyle Group Inc. 4.625% Subordinated Notes due 20615.9B mcap
61Q - 7
CACCCredit Acceptance Corporation5.7B mcap
59Q - 8
ENVAEnova International, Inc.3.9B mcap
58Q - 9
FCFSFirstCash Holdings, Inc10.0B mcap
58Q - 10
ATLCAtlanticus Holdings Corporation1.3B mcap
58Q - 11
IXORIX Corporation43.1B mcap
58Q - 12
GPNGlobal Payments Inc.17.3B mcap
55Q - 13
NRDSNerdWallet, Inc.608M mcap
55Q - 14
OBDCBlue Owl Capital Corporation5.5B mcap
55Q - 15
SUNBSunbelt Rentals Holdings Inc32.2B mcap
55Q - 16
AXPAmerican Express Company212.7B mcap
54Q - 17
NEWTGNewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029739M mcap
54Q - 18
BBDCBarings BDC, Inc.891M mcap
53Q - 19
KKRSKKR Group Finance Co. IX LLC 4.14.5B mcap
53Q - 20
OCSLOaktree Specialty Lending Corporation1.0B mcap
51Q - 21
NNINelnet, Inc.4.6B mcap
51Q - 22
AGMFederal Agricultural Mortgage Corporation1.9B mcap
50Q - 23
PYPLPayPal Holdings, Inc.39.0B mcap
49Q - 24
FINVFinVolution Group1.1B mcap
48Q - 25
EZPWEZCORP, Inc.2.0B mcap
47Q - 26
SYFSynchrony Financial24.2B mcap
46Q - 27
OMFOneMain Holdings, Inc.6.2B mcap
45Q - 28
JSMNavient Corporation SR NT 6% 1215435.0B mcap
44Q - 29
WUThe Western Union Company2.6B mcap
43Q - 30
UPSTUpstart Holdings, Inc.2.7B mcap
42Q - 31
COFCapital One Financial Corporation116.9B mcap
42Q - 32
WRLDWorld Acceptance Corporation789M mcap
42Q - 33
SLMSLM Corporation4.2B mcap
42Q - 34
SLMBPSLM Corporation6.7B mcap
41Q - 35
SOFISoFi Technologies, Inc.20.0B mcap
38Q - 36
RWAYLRunway Growth Finance Corp. - 7912M mcap
34Q - 37
LCLendingClub Corporation1.8B mcap
33Q - 38
GDOTGreen Dot Corporation724M mcap
29Q - 39
BFHBread Financial Holdings, Inc.3.5B mcap
29Q - 40
ALLYAlly Financial Inc.13.0B mcap
28Q - 41
PRAAPRA Group, Inc.558M mcap
28Q - 42
NAVINavient Corporation793M mcap
25Q - 43
BNHBrookfield Finance Inc. 4.625%103.9B mcap
24Q - 44
LULufax Holding Ltd688M mcap
17Q - 45
RWAYIRunway Growth Finance Corp. 7.25% Notes due 2031892M mcap
-Q - 46
NEWTONewtekOne, Inc. 8.5 % Notes -01.02.31743M mcap
-Q
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Key terms in this analysis
Educational framework analysis only. Not investment advice, not a recommendation, not personalized to your situation. Always do your own research.