Credit Services


The credit services industry includes companies that offer credit and charge / debit card services to consumers or handle electronic transactions and payment processing. Credit services companies compete on credit terms, consumer benefits and other competitive fronts. One major financial metric for credit services companies is the spread between the cost of available funds and the rate charged to customers. Another key financial metrics is the amount of net charge-offs, which can be significantly high during weak economies. Companies in this industry include Visa Inc. (V), Mastercard Inc. (MA), PayPal Holdings Inc. (PYPL), American Express Co. (AXP) and Capital One Financial Corp. (COF).

* Data in this page is the median value and it's updated daily. Sector and industry weightings are calculated using market capitalization which is converted to USD.


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PE Ratio PE Ratio without NRI Shiller PE Ratio EV-to-EBIT EV-to-EBITDA EV-to-Revenue PS Ratio PB Ratio Price-to-Tangible-Book Price-to-Free-Cash-Flow Price-to-Operating-Cash-Flow Price-to-Median-PS-Value Dividend Yield % Dividend Payout Ratio Gross Margin % Net Margin % Operating Margin % Pre-Tax Margin % ROE % ROA % ROC (Joel Greenblatt) % ROIC % WACC % Altman Z-Score Piotroski F-Score Beneish M-Score Debt-to-Equity Cash-to-Debt Equity-to-Asset Days Sales Outstanding Days Inventory Days Payable Cash Conversion Cycle Forward Rate of Return (Yacktman) % Current Ratio Quick Ratio Interest Coverage
V - Visa Inc 33.00 33.00 68.05 25.86 24.74 16.79 16.67 12.14 28.40 26.83 1.55 0.59 0.19 81.19 50.61 62.79 62.09 30.72 15.58 579.83 28.11 7.46 6.91 7 -2.63 0.49 0.71 0.48 24.13 11.32 12.81 17.78 1.50 1.50 22.13
MA - Mastercard Inc 41.21 41.21 77.28 31.75 29.90 15.72 16.16 44.10 158.05 42.21 38.77 1.66 0.46 0.18 39.19 56.01 48.19 106.15 25.49 854.34 658.54 8.52 10.81 7 -2.03 1.17 1.32 0.22 115.43 115.43 15.59 1.39 1.39 45.02
PYPL - PayPal Holdings Inc 59.22 59.22 42.39 32.74 7.23 7.88 7.73 14.36 25.98 22.12 1.43 46.04 13.31 16.20 15.38 13.51 4.86 165.00 21.46 7.37 3.55 5 -2.63 0.13 4.56 0.36 481.32 956.30 -474.98 1.27 1.27 59.60
AXP - American Express Co 13.84 13.84 22.84 4.42 3.27 4.16 4.89 12.41 10.55 1.36 1.35 0.19 23.98 28.14 33.11 3.75 6.69 -2.45 2.81 0.44 0.12
COF - Capital One Financial Corp 6.76 6.75 11.78 3.02 1.42 0.72 1.01 3.18 2.97 0.90 1.99 0.14 21.80 26.53 11.41 1.65 6.76 -2.51 1.13 0.23 0.14
DFS - Discover Financial Services 9.00 9.00 14.32 3.52 2.26 2.21 2.29 4.95 4.70 0.89 2.19 0.19 25.60 33.59 24.54 2.64 8.72 -2.48 2.45 0.49 0.10
SYF - Synchrony Financial 8.52 8.52 2.27 1.45 1.56 1.83 2.54 2.54 0.79 2.44 0.19 17.03 22.24 19.45 2.78 9.02 -2.69 1.64 0.39 0.14
TSS - Total System Services Inc 29.73 29.73 50.03 24.31 16.24 4.98 4.26 6.58 21.45 16.49 1.76 0.55 0.17 38.12 14.32 20.42 16.38 23.31 7.95 152.13 11.36 7.93 3.71 6 -2.83 1.52 0.12 0.35 40.80 2.67 14.34 29.13 20.17 2.21 2.18 5.04
ADS - Alliance Data Systems Corp 9.41 9.41 19.21 9.63 7.67 2.33 1.15 3.85 3.55 3.30 0.61 1.43 0.13 45.83 12.36 24.31 15.71 45.43 3.23 310.13 12.16 7.90 1.41 7 -2.66 5.74 0.29 0.08 43.28 21.47 48.28 16.47 35.47 2.15 2.13 2.82
CACC - Credit Acceptance Corp 14.68 14.68 30.87 12.99 12.71 9.27 6.58 4.09 4.11 12.37 11.98 1.52 44.64 70.91 58.73 32.04 9.94 16.73 13.19 4.99 3.45 5 -2.31 1.92 0.02 0.32 1.00 1.00 24.30 33.00 33.00 5.82
WU - The Western Union Co 9.82 9.82 14.00 6.96 5.67 1.43 1.49 17.12 10.05 0.81 4.23 0.41 40.95 15.24 20.07 17.74 9.36 471.92 4.74 1.32 7 -2.59 -11.08 1.00 -0.03 88.50 62.47 26.03 -0.45 0.86 0.86 7.50
SLM - SLM Corp 9.31 9.31 12.63 4.73 3.20 1.67 1.69 0.98 0.30 35.81 41.09 17.31 2.00 12.58 -2.15 1.44 0.60 0.11
OMF - OneMain Holdings Inc 9.65 9.65 5.55 1.24 1.11 2.17 2.11 2.11 0.82 0.79 13.29 18.55 12.71 2.23 6.56 -2.72 4.00 0.05 0.19
FCFS - FirstCash Inc 24.44 24.44 31.24 17.67 14.99 2.31 2.07 2.73 11.61 20.03 15.38 1.06 1.12 0.27 54.29 8.60 13.50 11.53 11.20 7.44 53.12 10.09 7.74 4.85 7 -2.67 0.45 0.12 0.63 9.31 119.56 3.09 125.78 6.66 5.94 3.87 8.24
GDOT - Green Dot Corp 26.94 26.94 15.79 10.22 1.95 3.05 3.58 8.95 16.82 12.76 1.78 82.61 11.39 10.23 11.89 13.87 5.11 122.27 7.27 2.34 7 -2.43 0.07 18.99 0.40 3.65 77.83 -74.18 13.26 1.03 1.03 16.45
NAVI - Navient Corp 7.76 7.76 51.96 1.59 0.81 1.05 2.66 2.66 0.90 5.51 0.43 20.34 27.24 10.94 0.36 2.38 28.22 0.01 0.03
QFIN - 360 Finance Inc 25.38 25.38 4.86 2.95 2.96 2.95 7.07 6.02 2.33 No Debt 0.60 No Debt
NNI - Nelnet Inc 9.67 9.67 10.22 22.31 2.01 0.96 1.08 15.15 8.16 1.07 1.27 0.12 20.97 26.34 10.10 0.92 2.60 -2.00 9.64 0.01 0.09
LX - LexinFintech Holdings Ltd 8.05 8.05 11.34 11.34 2.48 1.83 3.24 3.25 0.88 47.84 21.74 21.76 22.20 61.87 11.04 793.97 13.80 1.97 5 2.55 0.22 0.33 8.12 12.44 -4.32 1.11 1.10 1.90
QD - Qudian Inc 4.34 4.34 4.92 4.92 1.69 1.47 0.99 0.99 8.82 8.82 0.63 64.23 32.12 34.65 34.17 24.27 14.04 223.83 20.86 3.29 0.47 0.59 0.67 2.72 2.72 233.56
Average 18.04 18.04 18.12 10.18 8.56 8.44 3.95 5.26 11.01 11.99 10.01 1.07 1.21 0.13 25.06 22.26 17.54 27.24 25.40 6.64 187.16 39.48 5.96 2.18 3 -1.99 2.74 1.59 0.27 40.37 7.59 59.30 -11.34 6.64 2.66 2.55 21.48

* All ratios are current value


Historical Key Ratio Chart

* All ratios are median value

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