Equity Rank covers 36 Credit Services companies; 35 have a published model fair value, and 15 of those (43%) trade below the model estimate. The median model fair value sits 6.8% below the current price, under these model assumptions. Data as of 2026-10-22.
| Ticker | Company | Price | Model fair value | Gap |
|---|---|---|---|---|
| V | Visa Inc. Class A | $414.34 | $281.96 | -31.9% |
| MA | Mastercard Inc | $633.21 | $480.41 | -24.1% |
| AXP | American Express Company | $324.94 | $183.44 | -43.5% |
| COF | Capital One Financial Corporation | $203.43 | $197.41 | -3.0% |
| PYPL | PayPal Holdings Inc | $57.46 | $81.84 | +42.4% |
| AFRM | Affirm Holdings Inc | $72.40 | $65.41 | -9.7% |
| SYF | Synchrony Financial | $75.09 | $75.18 | +0.1% |
| SOFI | SoFi Technologies Inc. | $14.78 | $11.66 | -21.1% |
| ALLY | Ally Financial Inc | $39.30 | $40.83 | +3.9% |
| FCFS | FirstCash Inc | $184.78 | $151.99 | -17.8% |
| OMF | OneMain Holdings Inc | $57.11 | $57.29 | +0.3% |
| CACC | Credit Acceptance Corporation | $558.90 | $451.81 | -19.2% |
| KLAR | Klarna Group plc | $13.24 | $12.34 | -6.8% |
| NNI | Nelnet Inc | $125.85 | $119.55 | -5.0% |
| ENVA | Enova International Inc | $176.78 | $142.57 | -19.4% |
| SEZL | Sezzle Inc. | $139.30 | $104.76 | -24.8% |
| SLM | SLM Corp | $21.76 | $24.31 | +11.7% |
| BFH | Bread Financial Holdings, Inc. | $102.45 | $118.35 | +15.5% |
| UPST | Upstart Holdings Inc | $23.85 | $22.15 | -7.1% |
| ECPG | Encore Capital Group Inc | $100.36 | $118.71 | +18.3% |
| AGM | Federal Agricultural Mortgage Corporation | $201.40 | $185.47 | -7.9% |
| EZPW | EZCORP Inc | $29.35 | $27.14 | -7.5% |
| WU | Western Union Co | $6.43 | $10.19 | +58.4% |
| AGM-A | Federal Agricultural Mortgage Corporation | $141.50 | $155.58 | +9.9% |
| ATLC | Atlanticus Holdings Corporation | $91.53 | $83.75 | -8.5% |
| JCAP | Jefferson Capital, Inc. Common Stock | $20.69 | $17.36 | -16.1% |
| NAVI | Navient Corp | $8.86 | $11.31 | +27.6% |
| WRLD | World Acceptance Corporation | $169.66 | $97.83 | -42.3% |
| PRAA | PRA Group Inc | $19.96 | $22.05 | +10.5% |
| GDOT | Green Dot Corporation | $12.39 | $12.83 | +3.5% |
| QFIN | Qfin Holdings, Inc. | $5.47 | Not published | — |
| OPFI | OppFi Inc | $5.77 | $6.22 | +7.8% |
| OPRT | Oportun Financial Corp | $9.31 | $8.44 | -9.3% |
| PMTS | CPI Card Group Inc | $27.38 | $23.59 | -13.8% |
| RM | Regional Management Corp | $34.12 | $40.38 | +18.4% |
| CPSS | Consumer Portfolio Services Inc | $9.25 | $13.32 | +44.0% |
V vs MA · V vs AXP · V vs COF · V vs PYPL · MA vs AXP · MA vs COF · MA vs PYPL · AXP vs COF · AXP vs PYPL · COF vs PYPL
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