Credit Services earnings calendar: upcoming and recent reports

20 Credit Services companies report earnings over the next 45 days, led by Affirm (AFRM), Klarna Group (KLAR) and Nelnet (NNI). 19 reported over the last 45 days; 72% of those with an EPS estimate came in above it and the average move around the report was 9.8%.

Source: company filings and exchange data · Updated Nov 2, 2026

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Credit Services: upcoming earnings (next 45 days)

Company	Date	Time	EPS est.	ATLAS chance up (1 mo)	Likely range (50%)	Fair value vs price
Upstart UPST · ATLAS page	Tue, Nov 3	Before open	$0.23	47%	$20.35 – $25.44	$8.13 ($7.32–$8.94) · 183% above
Oportun Financial OPRT · ATLAS page	Tue, Nov 3	After close	$0.43	49%	$9.05 – $10.72	$6.25 ($5.63–$6.88) · 58% above
Finance of America Companies FOA · ATLAS page	Tue, Nov 3	After close	$1.09	48%	$9.54 – $11.43	–
Sezzle SEZL · ATLAS page	Wed, Nov 4	After close	$1.28	47%	$117.99 – $149.81	$71.28 ($64.15–$78.41) · 89% above
Encore Capital Group ECPG · ATLAS page	Wed, Nov 4	After close	$3.45	50%	$94.18 – $106.28	$205.72 ($185.14–$226.29) · 51% below
Western Union WU · ATLAS page	Wed, Nov 4	After close	$0.35	51%	$5.93 – $6.65	–
Navient NAVI · ATLAS page	Wed, Nov 4	After close	$0.15	49%	$8.49 – $10.09	–
CPI Card Group PMTS · ATLAS page	Wed, Nov 4	Before open	$0.76	49%	$23.88 – $28.37	$17.98 ($16.18–$19.77) · 45% above
Affirm AFRM · ATLAS page	Thu, Nov 5	After close	$0.35	47%	$65.12 – $81.08	$79.79 ($71.81–$87.77) · 8% below
Nelnet NNI · ATLAS page	Thu, Nov 5	After close	$1.93	54%	$119.32 – $126.85	$130.84 ($117.75–$143.92) · 6% below
Federal Agricultural Mortgage AGM · ATLAS page	Thu, Nov 5	After close	$5.22	53%	$195.30 – $210.85	$285.75 ($257.18–$314.33) · 29% below
PRA Group PRAA · ATLAS page	Thu, Nov 5	After close	$1.07	50%	$18.17 – $20.87	–
Mill City Ventures III SUIG · ATLAS page	Thu, Nov 5	After close	-$0.05	45%	$0.85 – $1.17	–
Atlanticus ATLC · ATLAS page	Mon, Nov 9	After close	$2.86	48%	$88.09 – $104.97	$120.37 ($108.33–$132.40) · 20% below
Green Dot GDOT · ATLAS page	Mon, Nov 9	After close	$0.01	52%	$11.78 – $12.92	–
Antalpha Platform Holding ANTA · ATLAS page	Mon, Nov 9	Before open	$0.09	44%	$1.29 – $1.86	–
Vroom VRM · ATLAS page	Mon, Nov 9	After close	–	46%	$6.46 – $8.33	–
EZCORP EZPW · ATLAS page	Thu, Nov 12	–	$0.40	49%	$26.75 – $31.57	$31.11 ($28.00–$34.22) · 6% below
Jefferson Capital JCAP · ATLAS page	Thu, Nov 12	After close	$0.56	52%	$18.88 – $20.72	$42.20 ($37.98–$46.42) · 53% below
Klarna Group KLAR · ATLAS page	Tue, Nov 17	Before open	-$0.16	49%	$12.25 – $14.36	–

ATLAS columns: chance of a higher price in 1 month, the likely 1-month price range and the fair value with its range, from each company’s ATLAS page. They describe an ordinary period, not the earnings reaction.

Credit Services: recent earnings results (last 45 days)

Company	Date	Time	EPS est.	EPS reported	Surprise	Move*	ATLAS chance up (1 mo)	Likely range (50%)	Fair value vs price
OneMain OMF · ATLAS page	Fri, Oct 30	–	$1.56	$1.51	–	–	51%	$53.70 – $59.80	$102.70 ($92.43–$112.97) · 45% below
Mastercard MA · ATLAS page	Thu, Oct 29	–	$5.14	$5.31	+3.3%	–	52%	$630.03 – $683.15	$230.90 ($207.81–$253.99) · 183% above
Credit Acceptance CACC · ATLAS page	Thu, Oct 29	–	$11.94	$13.01	+9.0%	–	46%	$396.40 – $522.74	$481.46 ($433.32–$529.61) · 3% below
Medallion Financial MFIN · ATLAS page	Thu, Oct 29	–	$0.32	$0.10	–	–	48%	$9.09 – $11.05	$20.79 ($18.71–$22.87) · 51% below
OppFi OPFI · ATLAS page	Wed, Oct 28	–	$0.38	$0.37	-2.6%	–	48%	$5.11 – $6.12	–
Regional Management RM · ATLAS page	Wed, Oct 28	–	$1.50	$1.61	–	–	49%	$33.69 – $38.98	$77.07 ($69.36–$84.77) · 53% below
Visa V · ATLAS page	Tue, Oct 27	–	$3.43	$3.48	+1.5%	-0.9%	53%	$411.73 – $442.39	$138.81 ($124.93–$152.70) · 206% above
PayPal PYPL · ATLAS page	Tue, Oct 27	–	$1.31	$1.45	+10.7%	+2.8%	51%	$54.02 – $60.35	$81.91 ($73.72–$90.10) · 30% below
SoFi Technologies SOFI · ATLAS page	Tue, Oct 27	–	$0.17	$0.18	+5.9%	+18.5%	47%	$14.82 – $18.52	$5.92 ($5.33–$6.51) · 183% above
American Express AXP · ATLAS page	Fri, Oct 23	–	$4.47	$4.68	+4.7%	-3.1%	52%	$307.12 – $333.83	$214.47 ($193.02–$235.92) · 49% above
World Acceptance WRLD · ATLAS page	Fri, Oct 23	–	$0.78	$1.93	+147.4%	-1.4%	50%	$153.24 – $176.18	$123.65 ($111.28–$136.01) · 33% above
FirstCash FCFS · ATLAS page	Thu, Oct 22	–	$2.64	$2.68	+1.5%	-20.3%	48%	$162.54 – $198.76	$144.44 ($129.99–$158.88) · 25% above
Enova International ENVA · ATLAS page	Thu, Oct 22	–	$4.19	$4.15	-1.0%	-8.3%	48%	$158.20 – $189.45	$226.35 ($203.71–$248.98) · 23% below
SLM SLM · ATLAS page	Thu, Oct 22	–	$0.12	-$0.19	-258.3%	-14.9%	48%	$16.19 – $19.36	$43.61 ($39.25–$47.97) · 59% below
Bread Financial BFH · ATLAS page	Thu, Oct 22	–	$3.26	$3.84	+17.8%	-8.1%	50%	$96.66 – $110.52	$199.78 ($179.80–$219.75) · 48% below
TROOPS TROO · ATLAS page	Wed, Oct 21	–	–	–	–	+42.3%	43%	$1.70 – $2.56	–
Capital One Financial COF · ATLAS page	Tue, Oct 20	–	$5.45	$6.69	+22.8%	+3.4%	52%	$196.40 – $214.94	$294.50 ($265.05–$323.95) · 30% below
Synchrony Financial SYF · ATLAS page	Tue, Oct 20	–	$2.48	$2.68	+8.1%	-0.2%	51%	$71.95 – $79.31	$149.75 ($134.78–$164.73) · 50% below
Ally Financial ALLY · ATLAS page	Tue, Oct 20	–	$1.32	$1.34	+1.5%	+2.9%	51%	$36.44 – $40.18	$66.44 ($59.79–$73.08) · 43% below

*Move: change in the closing price from the last close before the report day to the close the day after it.

Largest Credit Services companies and their next report

Earnings calendar: frequently asked questions

Which Credit Services companies report earnings soon?

Affirm (AFRM), Klarna Group (KLAR), Nelnet (NNI), Sezzle (SEZL), Upstart (UPST) and Federal Agricultural Mortgage (AGM) are among the largest Credit Services reports scheduled in the next 45 days. 20 are listed with a confirmed date.

How many Credit Services companies beat EPS estimates?

Of the 18 Credit Services companies that reported over the last 45 days with an EPS estimate on record, 13 (72%) reported EPS above the estimate. That is a snapshot of one window, not a forecast.

Where do these Credit Services dates come from?

Dates are confirmed report dates from company and exchange data, refreshed daily. Estimated dates are never shown here; only individual company pages show an ATLAS estimate, clearly labelled.

What is the difference between before the open and after the close?

Reports released before the open (BMO) move the stock in that same session. Reports released after the close (AMC) are first reflected the next trading day. ATLAS shows the time when the exchange data provides it.

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Educational information, not investment advice. Disclaimer