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 43 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.620.7B mcap
79Q - 2
MAMastercard Incorporated436.5B mcap
75Q - 3
SEZLSezzle Inc.4.0B mcap
69Q - 4
JCAPJefferson Capital, Inc. Common Stock942M mcap
66Q - 5
QFINQfin Holdings, Inc.2.0B mcap
64Q - 6KRU.WAKRUK Spólka Akcyjna
8.0B mcap
60Q - 7
CACCCredit Acceptance Corporation6.0B mcap
59Q - 8
ATLCAtlanticus Holdings Corporation1.3B mcap
58Q - 9
FCFSFirstCash Holdings, Inc9.6B mcap
58Q - 10
IXORIX Corporation42.9B mcap
58Q - 11
ENVAEnova International, Inc.4.0B mcap
58Q - 12
SUNBSunbelt Rentals Holdings Inc32.3B mcap
56Q - 13
NRDSNerdWallet, Inc.566M mcap
55Q - 14
OBDCBlue Owl Capital Corporation5.6B mcap
55Q - 15
GPNGlobal Payments Inc.20.7B mcap
55Q - 16
AXPAmerican Express Company215.9B mcap
54Q - 17
BBDCBarings BDC, Inc.907M mcap
53Q - 188252.TMarui Group Co., Ltd.
489.0B mcap
52Q - 198253.TCredit Saison Co., Ltd.
587.9B mcap
52Q - 20
OCSLOaktree Specialty Lending Corporation1.1B mcap
51Q - 21
NNINelnet, Inc.4.7B mcap
51Q - 22
AGMFederal Agricultural Mortgage Corporation1.9B mcap
50Q - 23
PYPLPayPal Holdings, Inc.39.5B mcap
49Q - 24
FINVFinVolution Group1.2B mcap
48Q - 25
EZPWEZCORP, Inc.1.9B mcap
47Q - 26
SYFSynchrony Financial24.0B mcap
46Q - 27
OMFOneMain Holdings, Inc.6.4B mcap
45Q - 28
WUThe Western Union Company2.5B mcap
43Q - 29
UPSTUpstart Holdings, Inc.3.2B mcap
42Q - 30
COFCapital One Financial Corporation116.9B mcap
42Q - 31
SLMSLM Corporation4.2B mcap
42Q - 32
WRLDWorld Acceptance Corporation743M mcap
42Q - 33
SOFISoFi Technologies, Inc.23.4B mcap
38Q - 34
LCLendingClub Corporation2.1B mcap
33Q - 35
GDOTGreen Dot Corporation729M mcap
29Q - 36
BFHBread Financial Holdings, Inc.3.6B mcap
29Q - 37
PRAAPRA Group, Inc.582M mcap
28Q - 38
ALLYAlly Financial Inc.13.1B mcap
28Q - 39
NAVINavient Corporation805M mcap
25Q - 40
AHGAkso Health Group1.3B mcap
22Q - 41
LULufax Holding Ltd1.4B mcap
17Q - 42BAJFINANCE.NSBajaj Finance Limited
5.65T mcap
-Q - 43SHRIRAMFIN.NSShriram Finance Limited
2.25T 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.