Personal Credit Institutions stocks: intrinsic value, ROIC & growth
10 U.S. personal credit institutions companies with at least three years of SEC filings, ranked by size. 6 of the 8 with a current price trade below their Graham intrinsic value. The median company earned a 12.3% average return on invested capital and grew revenue 10.2% a year.
Updated October 18, 2026
10companies
6below Graham value
12.3%median 10-yr ROIC
10.2%median revenue CAGR
Most undervalued personal credit institutions stocks
| Ticker | Company | Upside | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|---|
| OMF | OneMain Holdings, Inc. | +289% | $55.95 | $217.89 | 74% below | $6.7B | 3.2% | -0.1% |
| RM | Regional Management Corp. | +174% | $34.37 | $94.06 | 63% below | $343.2M | 3.5% | 11.6% |
| ATLC | Atlanticus Holdings Corp | +115% | $92.02 | $197.97 | 54% below | $1.8B | 33.8% | 66.4% |
| ENVA | Enova International, Inc. | +115% | $177.89 | $382.64 | 54% below | $4.8B | 12.3% | 17.4% |
| BFH | BREAD FINANCIAL HOLDINGS, INC. | +60% | $102.56 | $164.04 | 37% below | $4.9B | 22.4% | -6.6% |
| CACC | CREDIT ACCEPTANCE CORP | +42% | $540.98 | $768.97 | 30% below | $6.3B | 27.8% | 10.2% |
Highest-ROIC personal credit institutions stocks
| Ticker | Company | 10-yr ROIC | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|---|
| LC | LendingClub Corp | 72.7% | — | $38.53 | — | — | 72.7% | 2.5% |
| ATLC | Atlanticus Holdings Corp | 33.8% | $92.02 | $197.97 | 54% below | $1.8B | 33.8% | 66.4% |
| CACC | CREDIT ACCEPTANCE CORP | 27.8% | $540.98 | $768.97 | 30% below | $6.3B | 27.8% | 10.2% |
| BFH | BREAD FINANCIAL HOLDINGS, INC. | 22.4% | $102.56 | $164.04 | 37% below | $4.9B | 22.4% | -6.6% |
| ENVA | Enova International, Inc. | 12.3% | $177.89 | $382.64 | 54% below | $4.8B | 12.3% | 17.4% |
| WRLD | WORLD ACCEPTANCE CORP | 6.6% | $171.64 | $24.69 | 595% above | $862.6M | 6.6% | 1.1% |
| RM | Regional Management Corp. | 3.5% | $34.37 | $94.06 | 63% below | $343.2M | 3.5% | 11.6% |
| OMF | OneMain Holdings, Inc. | 3.2% | $55.95 | $217.89 | 74% below | $6.7B | 3.2% | -0.1% |
All personal credit institutions stocks
| Ticker | Company | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | $74.01 | $4.98 | 1386% above | $25.2B | -5.5% | 41.2% |
| OMF | OneMain Holdings, Inc. | $55.95 | $217.89 | 74% below | $6.7B | 3.2% | -0.1% |
| CACC | CREDIT ACCEPTANCE CORP | $540.98 | $768.97 | 30% below | $6.3B | 27.8% | 10.2% |
| BFH | BREAD FINANCIAL HOLDINGS, INC. | $102.56 | $164.04 | 37% below | $4.9B | 22.4% | -6.6% |
| ENVA | Enova International, Inc. | $177.89 | $382.64 | 54% below | $4.8B | 12.3% | 17.4% |
| ATLC | Atlanticus Holdings Corp | $92.02 | $197.97 | 54% below | $1.8B | 33.8% | 66.4% |
| LC | LendingClub Corp | — | $38.53 | — | — | 72.7% | 2.5% |
| WRLD | WORLD ACCEPTANCE CORP | $171.64 | $24.69 | 595% above | $862.6M | 6.6% | 1.1% |
| RM | Regional Management Corp. | $34.37 | $94.06 | 63% below | $343.2M | 3.5% | 11.6% |
| LPRO | Open Lending Corp | — | $3.80 | — | — | -14.0% | 8.6% |
Stock lists
Undervalued Stocks Below Graham Intrinsic Value
Highest ROIC Stocks (10-Year Average)
Highest Free Cash Flow Yield Stocks
Fastest-Growing Stocks by 10-Year Revenue