Industry ยท Oct 2026
Credit Services stocks ranked by gap to the model's fair value
Faircurve's model values 20 credit services stocks. 6 of them are ranked below by the gap between the model's fair value and the last close, as of 31 Oct 2026: 3 read as Undervalued, 3 as Fairly valued and 0 as Overvalued. The median gap across the ranked names is +14.1%. The widest gaps above the price are WU (+23.4%), BFH (+20.4%), EZPW (+16.8%). The widest below it are SEZL (+5.2%), PYPL (+8.6%), PRAA (+11.3%).
Valuations as of . Prices are the closes of 3 Nov 2026. The gap is the model's fair value against the price: a positive gap means the fair value is above the price. It states what the model concluded, not where the price goes next.
The ranking
| Rank | Company | Last close | Model fair value | Gap | Model verdict | Quality score | Market value |
|---|---|---|---|---|---|---|---|
| 1 | WU The Western Union Company | $6.25 | $7.71 | +23.4% | Undervalued | 73 | $1.9B |
| 2 | BFH Bread Financial Holdings, Inc. | $106.26 | $127.90 | +20.4% | Undervalued | 74 | $3.9B |
| 3 | EZPW EZCORP, Inc. | $28.74 | $33.57 | +16.8% | Undervalued | 71 | $1.6B |
| 4 | PRAA PRA Group, Inc. | $19.88 | $22.13 | +11.3% | Fairly valued | 78 | $734M |
| 5 | PYPL PayPal Holdings, Inc. | $58.21 | $63.24 | +8.6% | Fairly valued | 69 | $47.4B |
| 6 | SEZL Sezzle Inc. | $122.43 | $128.78 | +5.2% | Fairly valued | 86 | $4.6B |
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Valued but not ranked
These 14 names are valued but not ranked, for one of four reasons: the model grades the evidence as low or has not graded it yet, the inputs are under review, the gap is wider than 60%, or the valuation is more than three weeks old. The numbers are shown for reference.
| Company | Last close | Model fair value | Gap | Why it is not ranked | Quality score | Market value |
|---|---|---|---|---|---|---|
| ALLY Ally Financial Inc. | $37.92 | $55.20 | +45.6% | Low evidence grade | $11.6B | |
| AXP American Express Company | $325.50 | $405.57 | +24.6% | Low evidence grade | 68 | $214.0B |
| COF Capital One Financial Corporation | $208.71 | $179.73 | -13.9% | Low evidence grade | $125.7B | |
| ECPG Encore Capital Group, Inc. | $99.83 | $85.70 | -14.2% | Low evidence grade | 58 | $2.1B |
| ENVA Enova International, Inc. | $175.10 | $179.43 | +2.5% | Low evidence grade | 74 | $4.3B |
| FCFS FirstCash Holdings, Inc | $194.51 | $187.16 | -3.8% | Low evidence grade | 67 | $7.8B |
| GPN Global Payments Inc. | $98.00 | $72.86 | -25.7% | Low evidence grade | $25.6B | |
| MA Mastercard Incorporated | $647.18 | $605.19 | -6.5% | Low evidence grade | 80 | $559.2B |
| NAVI Navient Corporation | $8.26 | $17.81 | +115.6% | Gap wider than 60% | $872M | |
| PRG PROG Holdings, Inc. | $36.53 | $43.04 | +17.8% | Low evidence grade | 68 | $1.4B |
| SLM SLM Corporation | $17.93 | $32.57 | +81.7% | Gap wider than 60% | $3.3B | |
| SYF Synchrony Financial | $75.18 | $124.56 | +65.7% | Gap wider than 60% | $24.5B | |
| V Visa Inc. | $420.42 | $393.75 | -6.3% | Low evidence grade | 76 | $773.0B |
| WRLD World Acceptance Corporation | $165.66 | $152.38 | -8.0% | Low evidence grade | 56 | $766M |