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Consumer finance and payment stocks buying back their own shares (October 2026)
15 consumer finance and payment stocks on Buyback Radar have each retired at least a tenth of their own shares since their peak. Credit Acceptance leads, with 76.9% of its shares gone since 1999. 6 of the 15 have retired half of themselves or more. Every count comes from the cover pages of the companies' own 10-K and 10-Q filings with the SEC, split adjusted, so it is net of the new shares handed to employees. The list is rebuilt every Monday.
| # | Company | Retired since peak | Peak | 5 years | 12 months | Market value |
|---|---|---|---|---|---|---|
| 1 |  Credit AcceptanceCACC | −76.9% | 1999 | −33.8% | −7.6% | $5.6B |
| 2 |  NavientNAVI | −76.6% | 2014 | −44.1% | −5.7% | $870.3M |
| 3 |  Sallie MaeSLM | −65.3% | 2010 | −37.6% | −10.0% | $4.0B |
| 4 |  Synchrony FinancialSYF | −62.7% | 2015 | −43.1% | −13.5% | $22.9B |
| 5 |  Western UnionWU | −58.4% | 2007 | −23.2% | −3.4% | $1.9B |
| 6 |  Bread FinancialBFH | −53.5% | 2004 | −22.8% | −17.6% | $3.9B |
| 7 |  American ExpressAXP | −50.0% | 2001 | −13.4% | −2.7% | $210.3B |
| 8 |  MastercardMA | −33.6% | 2010 | −11.2% | −3.1% | $536.8B |
| 9 |  Encore Capital GroupECPG | −32.3% | 2020 | −29.9% | −7.8% | $2.2B |
| 10 |  Euronet WorldwideEEFT | −30.1% | 2019 | −29.2% | −8.8% | — |
| 11 |  PayPalPYPL | −30.0% | 2015 | −27.2% | −10.5% | $48.5B |
| 12 |  CorpayCPAY | −29.1% | 2015 | −20.5% | −7.0% | $26.3B |
| 13 |  WEXWEX | −24.0% | 2021 | −23.9% | −0.5% | $6.2B |
| 14 |  OneMainOMF | −15.5% | 2019 | −14.0% | −3.2% | $6.4B |
| 15 |  FirstCashFCFS | −10.6% | 2021 | +7.2% | −2.2% | $9.3B |
Which consumer finance and payment stocks buy back the most shares?
On Buyback Radar in October 2026, Credit Acceptance (CACC) has retired 76.9% of its shares since 1999, followed by Navient (76.6%) and Sallie Mae (65.3%).
Which consumer finance and payment stocks are buying back the fastest right now?
Bread Financial (BFH), with 17.6% fewer shares than twelve months ago. 15 of the 15 have a lower share count than a year ago.
Why count shares instead of buyback dollars?
A company can spend billions on buybacks and still end the year with more shares, because it hands new stock to employees. The share count on the cover of the filing shows what actually disappeared. Every share retired makes the remaining shares a bigger slice of the same business.
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All 467 companies: the full Radar · Best buyback stocks · What is a cannibal stock
Updated 2026-10-24 from SEC filings. Grouped by the industry code each company files with the SEC. Not investment advice. How we count.