Credit services stocks with the highest profit margins

Ranked

95

of 181 credit services stocks we cover

Median

5.6%

Highest

51.4%

AGM

Range

−99.4% to 51.4%

#	Company	Net margin	Operating margin	Revenue growth (TTM)	Market cap
1	AGMFederal Agricultural Mortgage	51.4%	n/m	+14.7%	$2.2B
2	VVisa	50.8%	60.7%	+14.4%	$761.6B
3	MAMastercard	46.3%	58.3%	+16.0%	$546.3B
4	AFRMAffirm	45.3%	9.8%	+32.2%	$23.6B
5	LYFTLyft	42.3%	−1.8%	+10.8%	$6.4B
6	DAVEDave	34.6%	32.9%	+48.6%	$4.5B
7	FIGRFigure Technology Solutions	33.5%	28.4%	+88.8%	$5.2B
8	PLBCPlumas Bancorp	31.7%	n/m	+33.5%	$439.8M
9	SLMSLM	31.7%	n/m	−6.7%	$3.5B
10	SEZLSezzle	30.4%	40.4%	+43.1%	$4.4B
11	OPFIOppFi	28.0%	38.3%	+0.2%	$461.8M
12	NNINelnet	25.8%	n/m	+6.1%	$4.4B
13	JCAPJefferson Capital	23.5%	45.8%	+22.8%	$1.2B
14	CACCCredit Acceptance	21.5%	47.0%	+2.6%	$5.7B
15	NUTXNutex Health	21.2%	43.0%	+6.9%	$1.4B
16	HAPNHappen	18.7%	n/m	+18.4%	$1.6B
17	CASSCass Information Systems	18.5%	n/m	+8.3%	$702.2M
18	SYFSynchrony Financial	18.3%	n/m	+2.9%	$24B
19	HQYHealthequity	17.4%	25.8%	+7.3%	$8.6B
20	COFCapital One Financial	17.2%	n/m	+31.2%	$123.5B
21	RELYRemitly Global	16.9%	9.5%	+23.8%	$5.3B
22	ECPGEncore Capital	15.9%	37.7%	+29.5%	$2.1B
23	AXPAmerican Express	15.8%	n/m	+10.2%	$211.5B
24	PAYSPaysign	15.7%	17.0%	+46.8%	$842.4M
25	OMFOneMain	15.4%	n/m	+7.8%	$6.4B
26	SOFISoFi Technologies	14.8%	n/m	+40.8%	$18.9B
27	BFHBread Financial	14.4%	n/m	+3.9%	$3.8B
28	PYPLPayPal	14.4%	17.4%	+5.7%	$48.8B
29	TREELendingTree	14.3%	8.2%	+25.3%	$376.4M
30	WEXWEX	12.6%	25.5%	+7.5%	$6.7B
31	CARTMaplebear	12.0%	14.7%	+12.6%	$13.1B
32	EXLSExlService	11.2%	14.9%	+13.6%	$6.4B
33	SNFCASecurity National Financial	11.1%	n/m	−1.1%	$250.5M
34	ENVAEnova International	10.5%	24.0%	+20.1%	$4B
35	RBARB Global	10.0%	16.0%	+9.7%	$15.6B
36	WUWestern Union CO	9.8%	15.9%	−1.6%	$2B
37	PGYPagaya Technologies	9.1%	24.8%	+20.3%	$1.6B
38	MAXMediaAlpha	7.9%	6.9%	+13.8%	$729M
39	ETSYEtsy	7.3%	16.0%	+3.7%	$8B
40	MMSMaximus	7.1%	11.0%	−3.3%	$3.3B
41	RMRegional Management	7.0%	n/m	+9.6%	$302.1M
42	LQDTLiquidity Services	6.8%	9.0%	+5.2%	$1.4B
43	WRLDWorld Acceptance	6.6%	n/m	+4.3%	$778.9M
44	EEFTEuronet Worldwide	6.6%	11.5%	+5.8%	$2.5B
45	POWWOutdoor	6.4%	5.6%	+9.7%	$285.4M
46	PAYPaymentus	6.2%	7.6%	+30.2%	$4.2B
47	ATLCAtlanticus	5.8%	n/m	+83.7%	$1.3B
48	PRTHPriority Technology	5.6%	13.8%	+8.9%	$644.7M
49	UPSTUpstart	4.8%	4.0%	+46.3%	$2.3B
50	CPSSConsumer Portfolio Services	4.8%	n/m	+6.9%	$213.4M
51	FLYWFlywire	4.8%	5.5%	+32.2%	$2.4B
52	CBZCBIZ	4.7%	7.4%	+14.3%	$3B
53	OPRXOptimizeRx	4.7%	11.1%	−5.8%	$172.3M
54	PAYOPayoneer Global	4.6%	10.4%	+6.3%	$2.4B
55	RHLDResolute Holdings Management	4.2%	9.5%	+159.5%	$934.6M
56	TNETTrinet	3.6%	6.2%	−3.5%	$3.5B
57	IMXIInternational Money Express	3.4%	6.2%	−13.5%	$281M
58	PWPPerella Weinberg Partners	3.2%	2.8%	−20.9%	$1.2B
59	WDWalker & Dunlop	3.0%	9.2%	+8.0%	$1.2B
60	FOURShift4 Payments	2.2%	8.1%	+32.4%	$3.1B
61	BCGBinah Capital	2.2%	3.6%	+8.3%	$18.2M
62	CSGPCostar	2.1%	2.2%	+22.0%	$13.7B
63	PHRPhreesia	2.1%	2.5%	+12.9%	$788.3M
64	OPRTOportun Financial	2.1%	n/m	−2.3%	$422.6M
65	ZGZillow	2.0%	0.4%	+17.7%	$7.7B
66	RMNIRimini Street	1.7%	4.8%	+0.6%	$374.4M
67	AMTMAmentum	1.4%	4.2%	+11.4%	$5.3B
68	DHXDHI	1.0%	4.9%	−7.3%	$201.5M
69	VIPVulcan Infrastructure & Power	1.0%	−24.0%	−14.1%	$19.6M
70	LSAKLesaka Technologies	0.4%	1.8%	+9.4%	$349.3M
71	CHYMChime Financial	−0.7%	−2.1%	+26.4%	$11.2B
72	GDOTGreen DOT	−1.1%	0.3%	+17.7%	$704.3M
73	USIOUsio	−1.6%	−1.2%	+10.4%	$89.5M
74	XMTRXometry	−3.8%	−3.8%	+33.7%	$5.1B
75	SCORComscore	−5.1%	−2.4%	−3.2%	$47.8M
76	GHIGreystone Housing Impact Investors	−5.1%	53.1%	−15.3%	$116.4M
77	LDIloanDepot	−5.5%	n/m	+11.4%	$207.6M
78	TICTIC Solutions	−5.6%	−2.2%	n/m	$2.1B
79	ADVAdvantage Solutions	−7.6%	−3.2%	+2.2%	$388.3M
80	ACVAACV Auctions	−7.9%	−7.1%	+13.3%	$1.8B
81	CNDTCONDUENT	−8.2%	−3.0%	−5.7%	$278.4M
82	GPNGlobal Payments	−9.1%	12.4%	+23.2%	$21.9B
83	RGPResources Connection	−10.7%	−10.1%	−19.6%	$93.3M
84	BAERBridger Aerospace	−10.8%	0.7%	−8.7%	$28.9M
85	WLTHWealthfront	−19.4%	−40.8%	+9.8%	$1.7B
86	PRAAPRA	−19.9%	5.0%	+17.6%	$718.1M
87	CNXCConcentrix	−24.0%	−20.9%	+2.6%	$2B
88	CTEVClaritev	−28.5%	3.3%	+6.3%	$398.3M
89	AMWLAmerican Well	−35.7%	−37.3%	−19.0%	$230.8M
90	WYFIWhiteFiber	−46.9%	−42.3%	+51.7%	$387.7M
91	RPAYRepay	−49.6%	−44.2%	+8.8%	$391.8M
92	EXODExodus Movement	−79.9%	n/m	−14.2%	$163.4M
93	ALITAlight, Inc. / Delaware	−90.9%	−95.7%	−3.5%	$258.1M
94	BETRBetter Home & Finance	−94.5%	n/m	+48.7%	$317.7M
95	IRENIREN	−99.4%	n/m	+41.1%	$9.8B

Not ranked: 27 with a margin moved by items that are not sales, 9 with under $50M of revenue, 5 with a quarter missing, 5 with not a meaningful number, 2 with no margin to measure. 37 companies whose data behind this number has a caveat are left out until it is checked.

A ranking of numbers, not a recommendation. A low multiple can be a bargain or a business in trouble: open the company to see which.