62 Credit Services issuers carry a screening verdict, out of 96 issuers we hold in this industry. Verdicts come from two independent engines and each row says which.
Every Credit Services issuer this screen has decided is non-compliant — 62 of 62. That is a statement about the 62 decided, not about the 96 issuers in the industry: 34 carry no verdict yet. Each row below links to that issuer's own ratio breakdown and business-activity screen, which is where the reason for its verdict is set out.
59 screened by our own engine against published ratio methodologies computed from primary filings · 3 carrying a reviewed third-party provider verdict.
Classified under Financials.
The seven standards HTR computes reach different verdicts on 1 of the 91 Credit Services issuers that more than one of them can decide — 1%.
A split is one issuer at least one standard passes and at least one fails. Why they disagree is mostly the denominator each standard measures debt against, not the ceiling.
Compliant first, then alphabetical. Every row links to that issuer's full ratio breakdown, business-activity screen and the filing behind it.
| Issuer | Verdict | Screened | Source |
|---|---|---|---|
| 6993.T 6993.T | NO VERDICT | — | not screened yet |
| 7191.T 7191.T | NO VERDICT | — | not screened yet |
| 8585.T 8585.T | NO VERDICT | — | not screened yet |
| 8771.T 8771.T | NO VERDICT | — | not screened yet |
| 8570.T AEON Financial Service Co., Ltd. | NON-COMPLIANT | 2026-08-26 | in-house |
| AFRM Affirm Holdings Inc - Ordinary Shares - Class A | NON-COMPLIANT | 2026-09-07 | provider |
| AGM-PH AGM-PH | NO VERDICT | — | not screened yet |
| AIJTY AIJTY | NO VERDICT | — | not screened yet |
| ALLY ALLY | NO VERDICT | — | not screened yet |
| ANTA ANTA | NO VERDICT | — | not screened yet |
| ARMANFIN.BO Arman Financial Services Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| ACR.OL Axactor ASA | NON-COMPLIANT | 2026-08-27 | in-house |
| AYE.NS Aye Finance Limited | NON-COMPLIANT | 2026-08-28 | in-house |
| BAJFINANCE.NS Bajaj Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| BFH BFH | NO VERDICT | — | not screened yet |
| BFH-PB BFH-PB | NO VERDICT | — | not screened yet |
| CGCL.BO Capri Global Capital Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| CHWWQ Chesswood Group Limited | NON-COMPLIANT | 2026-08-28 | in-house |
| CHOLAHLDNG.NS Cholamandalam Financial Holdings Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| CHOLAFIN.BO Cholamandalam Investment and Finance Company Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| COF-PI COF-PI | NO VERDICT | — | not screened yet |
| COF-PJ COF-PJ | NO VERDICT | — | not screened yet |
| COF-PK COF-PK | NO VERDICT | — | not screened yet |
| COF-PL COF-PL | NO VERDICT | — | not screened yet |
| COF-PN COF-PN | NO VERDICT | — | not screened yet |
| COSG COSG | NO VERDICT | — | not screened yet |
| CREDITACC.NS CreditAccess Grameen Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| DSTKF.IS Destek Finans Faktoring A.S. | NON-COMPLIANT | 2026-08-27 | in-house |
| DXF DXF | NO VERDICT | — | not screened yet |
| ECDD ECDD | NO VERDICT | — | not screened yet |
| EDEN.PA Edenred SE | NON-COMPLIANT | 2026-08-27 | in-house |
| FEDFINA.BO Fedbank Financial Services Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| FIVESTAR.NS Five-Star Business Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| FOA FOA | NO VERDICT | — | not screened yet |
| FUSION.NS Fusion Finance Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| GDOT GDOT | NO VERDICT | — | not screened yet |
| GENTERA.MX Gentera, S.A.B. de C.V. | NON-COMPLIANT | 2026-08-27 | in-house |
| GSY.TO goeasy Ltd. | NON-COMPLIANT | 2026-08-27 | in-house |
| HDBFS.NS HDB Financial Services Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| HUDCO.NS Housing and Urban Development Corporation Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| IFCI.NS IFCI Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| IIFL.BO IIFL Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| IIFL.NS IIFL Finance Limited | NON-COMPLIANT | 2026-09-02 | in-house |
| IRFC.NS Indian Railway Finance Corporation Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| IREDA.NS Indian Renewable Energy Development Agency Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| INDOSTAR.NS IndoStar Capital Finance Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| INTRUM.ST Intrum AB (publ) | NON-COMPLIANT | 2026-08-27 | in-house |
| JCAP JCAP | NO VERDICT | — | not screened yet |
| JF JF | NO VERDICT | — | not screened yet |
| KLAR Klarna Group plc | NON-COMPLIANT | 2026-08-28 | in-house |
| KK.MI Kruso Kapital S.p.A. | NON-COMPLIANT | 2026-08-28 | in-house |
| LTF.NS L&T Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| LU Lufax Holding Ltd | NON-COMPLIANT | 2026-08-27 | in-house |
| M&MFIN.NS Mahindra & Mahindra Financial Services Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| MANAPPURAM.BO Manappuram Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| MASFIN.NS MAS Financial Services Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| MUTHOOTMF.NS Muthoot Microfin Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| NAVI NAVI | NO VERDICT | — | not screened yet |
| 4081.SR Nayifat Finance Company | NON-COMPLIANT | 2026-08-27 | in-house |
| NORTHARC.NS Northern Arc Capital Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| OMF OMF | NO VERDICT | — | not screened yet |
| KISSHT.NS OnEMI Technology Solutions Limited | NON-COMPLIANT | 2026-08-28 | in-house |
| PAISALO.BO Paisalo Digital Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| PIRAMALFIN.NS Piramal Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| PMTS PMTS | NO VERDICT | — | not screened yet |
| POONAWALLA.BO Poonawalla Fincorp Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| POONAWALLA.NS Poonawalla Fincorp Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| PFC.BO Power Finance Corporation Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| PFC.NS Power Finance Corporation Limited | NON-COMPLIANT | 2026-09-02 | in-house |
| PRAA PRAA | NO VERDICT | — | not screened yet |
| PFS.BO PTC India Financial Services Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| QLIRO.ST Qliro AB (publ) | NON-COMPLIANT | 2026-09-08 | in-house |
| QTCI QTCI | NO VERDICT | — | not screened yet |
| RECLTD.BO REC Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| RECLTD.NS REC Limited | NON-COMPLIANT | 2026-09-02 | in-house |
| 029780.KS Samsung Card Co., Ltd. | NON-COMPLIANT | 2026-08-27 | in-house |
| SATIN.NS Satin Creditcare Network Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| SBFC.BO SBFC Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| SBFC.NS SBFC Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| SBICARD.BO SBI Cards and Payment Services Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| SBICARD.NS SBI Cards and Payment Services Limited | NON-COMPLIANT | 2026-09-02 | in-house |
| SHRIRAMFIN.BO Shriram Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| SOFI SoFi Technologies Inc | NON-COMPLIANT | 2026-09-07 | provider |
| SPFX SPFX | NO VERDICT | — | not screened yet |
| SPST SPST | NO VERDICT | — | not screened yet |
| STQN STQN | NO VERDICT | — | not screened yet |
| SUIG SUIG | NO VERDICT | — | not screened yet |
| SUNDARMFIN.NS Sundaram Finance Limited | NON-COMPLIANT | 2026-08-26 | in-house |
| SYF-PA SYF-PA | NO VERDICT | — | not screened yet |
| SYF-PB SYF-PB | NO VERDICT | — | not screened yet |
| TATACAP.NS Tata Capital Limited | NON-COMPLIANT | 2026-08-28 | in-house |
| NFPH.F Thanachart Capital Public Company Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| TFCILTD.BO Tourism Finance Corporation of India Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| UGROCAP.BO UGRO Capital Limited | NON-COMPLIANT | 2026-08-27 | in-house |
| UPST Upstart Holdings Inc | NON-COMPLIANT | 2026-09-07 | provider |
| VRM VRM | NO VERDICT | — | not screened yet |