Credit services stocks with the lowest EV/EBIT

Ranked

70

of 181 credit services stocks we cover

Median

19.0×

Lowest

1.0×

HYPD

Range

1.0× to 292×

#	Company	EV/EBIT	PE	Operating margin	Market cap
1	HYPDHyperion Defi	1.0×	n/m	n/m	$43.5M
2	PRAAPRA	1.4×	n/m	5.0%	$718.1M
3	BCGBinah Capital	1.5×	6.7×	3.6%	$18.2M
4	WUWestern Union CO	3.3×	5.2×	15.9%	$2B
5	PGYPagaya Technologies	3.6×	13.9×	24.8%	$1.6B
6	NUTXNutex Health	3.8×	8.3×	43.0%	$1.4B
7	BFHBread Financial	4.5×	7.8×	n/m	$3.8B
8	SLMSLM	4.8×	7.0×	n/m	$3.5B
9	OPFIOppFi	5.0×	2.6×	38.3%	$461.8M
10	TREELendingTree	6.2×	2.2×	8.2%	$376.4M
11	CASSCass Information Systems	6.3×	19.7×	n/m	$702.2M
12	IMXIInternational Money Express	6.4×	14.8×	6.2%	$281M
13	EEFTEuronet Worldwide	7.7×	10.4×	11.5%	$2.5B
14	WEXWEX	8.3×	19.7×	25.5%	$6.7B
15	MMSMaximus	8.3×	9.3×	11.0%	$3.3B
16	JCAPJefferson Capital	8.5×	8.3×	45.8%	$1.2B
17	PYPLPayPal	8.6×	10.8×	17.4%	$48.8B
18	ECPGEncore Capital	9.4×	7.4×	37.7%	$2.1B
19	CACCCredit Acceptance	9.9×	12.0×	47.0%	$5.7B
20	MAXMediaAlpha	10.1×	7.4×	6.9%	$729M
21	CNXCConcentrix	10.7×	n/m	−20.9%	$2B
22	ENVAEnova International	10.8×	11.4×	24.0%	$4B
23	ATLCAtlanticus	10.8×	11.3×	n/m	$1.3B
24	DHXDHI	11.1×	155×	4.9%	$201.5M
25	PRTHPriority Technology	11.5×	11.3×	13.8%	$644.7M
26	WRLDWorld Acceptance	12.7×	20.1×	n/m	$778.9M
27	RMNIRimini Street	12.9×	50.1×	4.8%	$374.4M
28	VELVelocity Financial	13.3×	5.6×	n/m	$604.1M
29	AXPAmerican Express	14.4×	17.6×	n/m	$211.5B
30	AMTMAmentum	14.7×	26.2×	4.2%	$5.3B
31	RSSSResearch Solutions	14.9×	21.8×	7.4%	$66.2M
32	OPRXOptimizeRx	15.3×	38.1×	11.1%	$172.3M
33	TNETTrinet	15.6×	20.3×	6.2%	$3.5B
34	GPNGlobal Payments	17.8×	n/m	12.4%	$21.9B
35	FOURShift4 Payments	18.5×	n/m	8.1%	$3.1B
36	EXLSExlService	19.5×	26.6×	14.9%	$6.4B
37	CARTMaplebear	20.2×	31.0×	14.7%	$13.1B
38	FIGRFigure Technology Solutions	20.3×	24.2×	28.4%	$5.2B
39	ETSYEtsy	20.3×	53.3×	16.0%	$8B
40	SEZLSezzle	20.9×	29.0×	40.4%	$4.4B
41	DAVEDave	21.1×	23.0×	32.9%	$4.5B
42	CBZCBIZ	21.6×	25.7×	7.4%	$3B
43	LSAKLesaka Technologies	22.0×	102×	1.8%	$349.3M
44	RBARB Global	22.0×	36.1×	16.0%	$15.6B
45	RELYRemitly Global	24.5×	17.9×	9.5%	$5.3B
46	QNSTQuinstreet	25.0×	n/m	2.7%	$943.1M
47	OMFOneMain	25.7×	8.4×	n/m	$6.4B
48	WDWalker & Dunlop	26.3×	30.5×	9.2%	$1.2B
49	HQYHealthequity	26.4×	37.7×	25.8%	$8.6B
50	LQDTLiquidity Services	26.9×	44.0×	9.0%	$1.4B
51	MAMastercard	27.4×	34.3×	58.3%	$546.3B
52	VVisa	27.8×	34.7×	60.7%	$761.6B
53	RMRegional Management	30.6×	6.9×	n/m	$302.1M
54	PAYPaymentus	37.2×	50.5×	7.6%	$4.2B
55	LDIloanDepot	38.5×	n/m	n/m	$207.6M
56	PAYSPaysign	39.2×	57.4×	17.0%	$842.4M
57	NNINelnet	45.2×	14.7×	n/m	$4.4B
58	FLYWFlywire	52.6×	74.6×	5.5%	$2.4B
59	RHLDResolute Holdings Management	55.3×	22.0×	9.5%	$934.6M
60	POWWOutdoor	61.3×	82.0×	5.6%	$285.4M
61	PHRPhreesia	62.2×	74.7×	2.5%	$788.3M
62	OPRTOportun Financial	73.7×	23.0×	n/m	$422.6M
63	PWPPerella Weinberg Partners	77.8×	59.0×	2.8%	$1.2B
64	UPSTUpstart	78.1×	48.5×	4.0%	$2.3B
65	HGBLHeritage Global	91.7×	n/m	−37.0%	$43.3M
66	CTEVClaritev	154×	n/m	3.3%	$398.3M
67	ZGZillow	174×	155×	0.4%	$7.7B
68	MGLDMarygold Companies	193×	n/m	−20.5%	$84.1M
69	CSGPCostar	221×	179×	2.2%	$13.7B
70	ALITAlight, Inc. / Delaware	292×	n/m	−95.7%	$258.1M

Not ranked: 63 with a loss over the last year, 12 with not a meaningful number, 4 with a number that doesn't describe its kind of business, 3 with a value too high to mean anything. 28 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.