Industry top-down
Credit Services
Latest reported revenue & EPS across the covered companies in this industry, with year-over-year (YoY) change. From disclosed earnings — not investment advice.
AI industry top-down
The credit services industry overall showed robust profitability improvement. Many companies achieved double-digit-plus EPS growth, and notably, some companies in the digital and alternative lending sectors recorded high revenue growth rates. However, revenue growth rates varied significantly by company, with some even experiencing revenue declines. Amidst the industry-wide trend of improving profitability, differences in growth drivers are evident.
- Double-digit or higher EPS growth for multiple companies (ECPG 103%, CACC 70%, etc.)
- High revenue growth for companies in the digital/alternative lending sector (AFRM 34%, ALLY 32%, etc.)
- Positive trend of profitability improvement across the credit services industry
AI synthesis of disclosed results and analyst research across these companies — not investment advice.
Companies — latest quarter
| Company | Period | Revenue | Rev YoY | EPS | EPS YoY | Surprise |
|---|---|---|---|---|---|---|
| MAMastercard Inc | FY2026 Q2 | $9.28B | +14.1% | $4.97 | +22.1% | — |
| AXPAMERICAN EXPRESS CO | FY2026 Q2 | $11.21B | +8.6% | $4.53 | +11.0% | — |
| COFCAPITAL ONE FINANCIAL CORP | FY2026 Q2 | $2.76B | +49.8% | $4.73 | — | — |
| PYPLPayPal Holdings, Inc. | FY2026 Q1 | $8.35B | +7.2% | $1.21 | -6.2% | — |
| AFRMAffirm Holdings, Inc. | FY2026 Q3 | $334.49M | +22.7% | $0.30 | — | — |
| SOFISoFi Technologies, Inc. | FY2026 Q2 | $153.58M | +1.1% | $0.12 | +50.0% | — |
| ALLYAlly Financial Inc. | FY2026 Q2 | $310M | -0.6% | $1.18 | +13.5% | — |
| FCFSFirstCash Holdings, Inc. | FY2026 Q2 | $471.26M | +22.4% | $2.12 | +58.2% | — |
| CACCCREDIT ACCEPTANCE CORP | FY2026 Q2 | $587.4M | +0.6% | $12.66 | +70.6% | — |
| ENVAEnova International, Inc. | FY2026 Q2 | $928.93M | +21.6% | $4.00 | +39.9% | — |
| BFHBREAD FINANCIAL HOLDINGS, INC. | FY2021 Q3 | $104.3M | — | $4.47 | — | — |
| SEZLSezzle Inc. | FY2026 Q2 | $84.72M | +62.9% | $1.17 | +50.0% | — |
| 029780SAMSUNG CARD CO.,LTD | FY2026 Q2 | ₩533.9B | +6.5% | ₩1445.00 | +2.0% | — |
| UPSTUpstart Holdings, Inc. | FY2026 Q2 | $364.71M | +41.7% | $0.16 | +220.0% | — |
| ECPGENCORE CAPITAL GROUP INC | FY2026 Q2 | $18.23M | -18.3% | $2.81 | +12.9% | — |
| WUWestern Union CO | FY2026 Q2 | $971.9M | -1.2% | $0.24 | -35.1% | — |
| EZPWEZCORP INC | FY2026 Q3 | $418.75M | +34.7% | $0.48 | +41.2% | — |
| ATLCAtlanticus Holdings Corp | FY2026 Q2 | $744.32M | +88.8% | $2.50 | +65.6% | — |
| JCAPJefferson Capital, Inc. / DE | FY2026 Q2 | $177.54M | +16.3% | $0.67 | -96.0% | — |
| NAVINAVIENT CORP | FY2024 Q3 | $70M | -17.6% | $-0.02 | — | — |
| WRLDWORLD ACCEPTANCE CORP | FY2027 Q1 | $139.21M | +5.1% | $1.33 | — | — |
| PRAAPRA GROUP INC | FY2026 Q2 | $372.17M | +29.4% | $1.51 | +39.8% | — |
| 030190NICE Information Service Co., Ltd. | FY2026 Q2 | ₩163.18B | +7.8% | ₩434.00 | +14.2% | — |
| SWRDStewards, Inc. | FY2026 Q2 | $3.47M | — | $-0.04 | — | — |
YoY = vs. the same quarter last year · Surprise = EPS actual vs. consensus. Latest reported quarter per company, from disclosed earnings filings. QoQ is omitted because quarterly filings don’t break out Q4 (US) and report cumulatively (KR).