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52 companies we cover, 51 of them graded
Every company here put through the same five checks on growth and cash generation. It describes the industry as it reports today — not which of these to buy.
| MA | Mastercard Incorporated | B+ | $504.1B | $567.65 | 31.22 | $35.1B | 46.3% |
| AXP | AMERICAN EXPRESS CO | A | $208.6B | $308.89 | 18.74 | $76B | 15.1% |
| COF | CAPITAL ONE FINANCIAL CORP | A+ | $122.8B | $200.20 | 11.99 | $62B | 17.0% |
| PYPL | PayPal Holdings, Inc. | B+ | $48.6B | $55.04 | 10.33 | $33.7B | 15.0% |
| AFRM | Affirm Holdings, Inc. | A+ | $24.9B | $71.52 | 12.93 | $4.3B | 45.3% |
| SYF | Synchrony Financial | B+ | $23.7B | $72.94 | 7.46 | $19.2B | 18.3% |
| SOFI | SoFi Technologies, Inc. | A | $21.4B | $16.58 | 33.84 | $4.3B | 14.8% |
| ALLY | Ally Financial Inc. | B | $11.8B | $38.79 | 9.13 | $8.7B | 16.8% |
| FCFS | FIRSTCASH HOLDINGS, INC. | A+ | $9.4B | $217.45 | 24.82 | $4.1B | 9.4% |
| OMF | ONEMAIN HOLDINGS, INC. | A | $6.6B | $57.36 | 8.54 | $5B | 16.0% |
| CACC | CREDIT ACCEPTANCE CORP | A+ | $5.8B | $555.68 | 12.25 | $2.3B | 21.5% |
| KLAR | Klarna Group plc | D- | $4.8B | $12.80 | — | $3.5B | -7.8% |
| NNI | NELNET, INC. | B | $4.5B | $124.34 | 14.86 | — | — |
| SLM | SLM Corp | B+ | $4.4B | $23.66 | 6.63 | $2B | 37.5% |
| ENVA | Enova International, Inc. | A+ | $4.3B | $173.48 | 12.87 | $3.4B | 10.3% |
| BFH | BREAD FINANCIAL HOLDINGS, INC. | A+ | $4B | $102.91 | 7.98 | $4B | 14.4% |
| SEZL | SEZZLE INC. | A+ | $3.8B | $111.38 | 24.43 | $531.9M | 30.4% |
| EZPW | EZCORP, INC. | A | $2.6B | $31.16 | 15.74 | $1.6B | 10.0% |
| AGM | FEDERAL AGRICULTURAL MORTGAGE CORPORATION | B | $2.3B | $214.01 | 11.70 | $445.6M | 51.4% |
| UPST | Upstart Holdings, Inc. | D | $2.3B | $23.81 | 48.59 | $1.2B | 4.8% |
| LU | Lufax Holding Ltd | F | $2.1B | $1.23 | — | $833M | -37.5% |
| ECPG | ENCORE CAPITAL GROUP, INC. | C+ | $2.1B | $98.41 | 7.47 | $1.9B | 15.9% |
| WU | THE WESTERN UNION COMPANY | C | $1.9B | $6.18 | 5.07 | $4B | 9.8% |
| ATLC | Atlanticus Holdings Corp | A+ | $1.4B | $92.50 | 12.03 | $2.7B | 5.8% |
| JCAP | Jefferson Capital, Inc. / DE | B+ | $1.1B | $19.46 | 7.74 | $659.6M | 23.5% |
| QFIN | Qfin Holdings, Inc. | A+ | $890M | $7.30 | 1.11 | $2.9B | 31.1% |
| NAVI | Navient Corporation | D- | $855.3M | $9.12 | — | $600M | -8.2% |
| FINV | FinVolution Group | B+ | $829.9M | $3.11 | 2.17 | $2B | 18.7% |
| WRLD | WORLD ACCEPTANCE CORP | C | $802M | $171.99 | 20.70 | $591.6M | 6.6% |
| HTT | High Templar Tech Ltd | C | $785.3M | $2.41 | — | $6.1M | 1,729.9% |
| PRAA | PRA GROUP INC | C- | $777.4M | $20.65 | — | $1.3B | -19.9% |
| GDOT | GREEN DOT CORP | B- | $698.1M | $12.25 | — | $2.3B | -1.1% |
| XYF | X Financial | B+ | $656.2M | $5.26 | 3.01 | $1.1B | 19.2% |
| SWRD | STEWARDS, INC. | not rated | $551.1M | $2.61 | — | — | — |
| OPFI | OppFi Inc. | A+ | $548.3M | $6.28 | 2.93 | $363.6M | 28.0% |
| OPRT | OPORTUN FINANCIAL CORPORATION | D | $393.2M | $8.55 | 21.38 | $948.4M | 2.1% |
| FOA | FINANCE OF AMERICA COMPANIES INC. | D | $326M | $14.49 | — | $337M | -0.1% |
| PMTS | CPI Card Group Inc. | A | $285.4M | $24.75 | 21.71 | $587.3M | 2.3% |
| RM | Regional Management Corp. | A | $284.3M | $30.82 | 6.49 | $670.5M | 7.0% |
| MFIN | MEDALLION FINANCIAL CORP | C | $274.6M | $11.96 | 8.99 | $247.5M | 13.1% |
| TROO | TROOPS, Inc. | B- | $216.2M | $1.77 | — | $17.1M | -163.2% |
| CPSS | CONSUMER PORTFOLIO SERVICES, INC. | A | $206.1M | $9.56 | 10.39 | $451.6M | 4.8% |
| LX | LexinFintech Holdings Ltd. | B+ | $131.8M | $0.74 | 0.53 | $2B | 12.8% |
| SUIG | SUI GROUP HOLDINGS LIMITED | F- | $122.1M | $1.59 | — | $3.1M | -11,373.7% |
| YRD | Yiren Digital Ltd. | D | $86.5M | $0.99 | 10.64 | $852.5M | 1.0% |
| JF | J & Friends Holdings Ltd | C- | $79M | $0.95 | — | $1.6M | -82.9% |
| JFIN | Jiayin Group Inc. | B+ | $78.9M | $1.51 | 0.34 | $927.5M | 24.7% |
| ANTA | Antalpha Platform Holding Company | B | $70.4M | $2.84 | 3.79 | $79.7M | 30.7% |
| VRM | VROOM, INC. | F | $50.3M | $9.66 | — | $157.8M | -35.9% |
| SNTG | Sentage Holdings Inc. | F- | $4.8M | $1.70 | — | $68.9K | -3,305.2% |
| DXF | EASON TECHNOLOGY LIMITED | C- | $822K | $0.53 | — | $1.3M | -90.9% |
| V | VISA INC. | B+ | — | $367.38 | — | $43B | 51.7% |
Fundamentals from SEC filings, prices from the last market-data pass. Sort by any column; companies with no figure sort last either way.
Sorted by market cap, largest first; click any column to re-sort. Companies with no figure sort last either way, because a missing P/E means unprofitable rather than cheap. Nothing here is a recommendation.