Zacks Highlights Credit Acceptance, Enova, and Encore as Top Consumer Loan Stocks

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Summary · why it matters

Zacks Equity Research has identified Credit Acceptance Corp., Enova International, Inc., and Encore Capital Group, Inc. as three consumer loan stocks poised to benefit from improving industry dynamics. The Zacks Consumer Loans industry, a 12-stock group within the broader Zacks Finance sector, currently carries a Zacks Industry Rank of 30, placing it in the top 12% of more than 245 Zacks industries. Higher interest rates and easing lending standards are brightening the outlook, with the industry's earnings estimates for 2026 and 2027 revised upward by 2.9% and 9.6%, respectively, over the past year. The industry has collectively soared 67.6% over the past two years, outperforming the Zacks S&P 500 composite and its sector. Credit Acceptance, with a market cap of $6.1 billion, has seen its shares jump 25.8% over the past six months and is expected to grow earnings by 20.1% in 2026 and 13.7% in 2027. Enova International, a financial technology company with a market cap of $5 billion, has gained 24.1% over the same period and is projected to increase earnings by 26.8% in 2026 and 23.7% in 2027. Encore Capital Group, a debt recovery firm with a market cap of $1.8 billion, has soared 52.4% over the past six months and is expected to see earnings rise 19.3% in 2026 and 6.5% in 2027.

Impact on assets 3

Financials▲
Credit Acceptance Corporation
CACC
▲ PositiveMonetaryrelevance

Higher interest rates and easing lending standards improve industry outlook, with upward earnings revisions.

Encore Capital Group Inc
ECPG
▲ PositiveMonetaryrelevance

Higher interest rates and easing lending standards improve industry outlook, with upward earnings revisions.

Digital Finance & Tokenization▲
Enova International Inc
ENVA
▲ PositiveMonetaryrelevance

Higher interest rates and easing lending standards improve industry outlook, with upward earnings revisions.