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 showed mixed results in its latest earnings reports. Many companies recorded high double-digit earnings per share (EPS) growth rates, suggesting improved profitability. Notably, ECPG, CACC, and ENVA, among others, achieved over 60% EPS growth. On the other hand, revenue growth rates showed significant variation across companies. While AFRM and Ally Financial recorded revenue growth in the 30% range, PayPal and FirstCash Holdings saw low growth in the 1% range, and Bread Financial Holdings experienced a decline in revenue. This indicates that alongside industry-wide efforts to improve profitability, companies are undergoing differentiation in terms of revenue.
- Strong EPS growth across multiple companies: Many companies, including ECPG, CACC, and ENVA, recorded high double-digit EPS growth rates, indicating improved profitability.
- Polarization in revenue growth rates: While some companies like AFRM and ALLY showed high revenue growth exceeding 30%, others such as PYPL and FCFS recorded low growth rates around 1%.
- Strengthening profit-centric management: Even companies with low revenue growth (PYPL, FCFS) achieved high EPS growth, suggesting efforts to secure profitability through efficiency improvements or cost management.
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 |
|---|---|---|---|---|---|---|
| AXPAMERICAN EXPRESS CO | FY2026 Q1 | $9.63B | +3.1% | $3.64 | +9.3% | — |
| COFCAPITAL ONE FINANCIAL CORP | FY2026 Q1 | $1.49B | +7.1% | $3.45 | +10.2% | — |
| PYPLPayPal Holdings, Inc. | FY2026 Q1 | $7.79B | +1.2% | $1.29 | +55.4% | — |
| AFRMAffirm Holdings, Inc. | FY2026 Q3 | $807.4M | +34.1% | $-0.05 | — | — |
| ALLYAlly Financial Inc. | FY2026 Q1 | $323M | +32.4% | $-0.82 | — | — |
| FCFSFirstCash Holdings, Inc. | FY2026 Q1 | $371.06M | +1.2% | $1.87 | +38.5% | — |
| CACCCREDIT ACCEPTANCE CORP | FY2026 Q1 | $571.1M | +12.4% | $8.66 | +70.5% | — |
| ENVAEnova International, Inc. | FY2026 Q1 | $745.54M | +22.2% | $2.69 | +64.0% | — |
| BFHBREAD FINANCIAL HOLDINGS, INC. | FY2021 Q3 | $418.2M | -30.0% | $4.23 | +21.9% | — |
| EZPWEZCORP INC | FY2026 Q2 | $626.49M | +7.0% | $0.74 | +13.8% | — |
| ECPGENCORE CAPITAL GROUP INC | FY2026 Q1 | $22.55M | +10.6% | $1.93 | +103.2% | — |
| ATLCAtlanticus Holdings Corp | FY2026 Q1 | $345.17M | +18.7% | $1.49 | +36.7% | — |
| JCAPJefferson Capital, Inc. / DE | FY2026 Q1 | $154.94M | — | $0.61 | — | — |
| NAVINAVIENT CORP | FY2024 Q3 | $240M | -8.0% | $2.04 | -44.4% | — |
| PRAAPRA GROUP INC | FY2026 Q1 | $269.62M | +5.5% | $0.09 | 0.0% | — |
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).