Track card networks, digital wallets, neobanks, alternative lending, payment processors, market infrastructure, and emerging market fintech in one place. Compare revenue growth, take rates, net interest margins, and Rule of 40 scores across the full financial technology stack.
Investment Thesis
A research-first view of fintech equities — from the network-effect monopolies of Visa and Mastercard to the high-growth disruptors in digital banking, alternative credit, and emerging market payments.
Performance Dashboard
Use the basket chart to see whether the move is broad-based or being carried by a narrow set of names.
Live Screener
Scan the leaders, compare returns against growth and valuation, then open the full screener when you want to refine the universe.
| Ticker | Company | Mkt Cap | YTD | Rev G TTM | Gross M | P/S | |
|---|---|---|---|---|---|---|---|
| Visa Inc. | $617.8B | -7.1% | — | 80.4% | 15.4 | ||
| Mastercard Incorporated | $440.02B | -11.7% | — | 83.4% | 13.4 | ||
| Shopify Inc. | $139.72B | -31.5% | -2% | 48.1% | 12.1 | ||
| CME Group Inc. | $104.06B | 6.4% | — | 86.1% | 16.0 | ||
| MercadoLibre, Inc. | $92.11B | -7.9% | 39.1% | 44.5% | 3.2 | ||
| Intercontinental Exchange, Inc. | $87.96B | -2.9% | — | 61.9% | 7.0 | ||
| Robinhood Markets, Inc. | $69.39B | -33.1% | — | 83.3% | 15.5 | ||
| Nu Holdings Ltd. | $54.48B | -16.3% | — | 45.9% | 4.9 | ||
| Sea Limited | $51.09B | -35.8% | 35.8% | 42.8% | 3.0 | ||
| Nasdaq, Inc. | $50.59B | -7.9% | — | 47.9% | 6.2 | ||
| PayPal Holdings, Inc. | $42.76B | -20.1% | — | 46.6% | 1.3 | ||
| Block, Inc. | $42.45B | 9.4% | 0.3% | 42.8% | 1.8 | ||
| Fiserv, Inc. | $30.63B | -12.7% | 1.9% | 59.4% | 1.4 | ||
| Fidelity National Information Services, Inc. | $24.14B | -29% | 7.6% | 36.9% | 2.3 | ||
| Affirm Holdings, Inc. | $22.26B | -9.8% | 32.7% | 67.5% | 6.9 | ||
| Corpay, Inc. | $21.31B | 1% | 11.3% | 78.1% | 5.4 | ||
| SoFi Technologies, Inc. | $20.43B | -41.7% | — | 75.1% | 4.3 | ||
| Flutter Entertainment plc | $18.11B | -52.7% | 16.6% | 45.2% | 1.1 | ||
| Global Payments Inc. | $16.44B | -8% | -7.1% | 72.6% | 2.1 | ||
| WEX Inc. | $5.1B | -0.8% | 3.3% | 54.9% | 1.9 | ||
| Remitly Global, Inc. | $4.97B | 79.7% | 31.3% | — | 3.0 | ||
| Bill.com Holdings, Inc. | $3.79B | -24.2% | 11.8% | 81.4% | 2.6 | ||
| Shift4 Payments, Inc. | $3.75B | -34.7% | 23.2% | 29.2% | 1.1 | ||
| Upstart Holdings, Inc. | $2.98B | -32% | — | 95.2% | 2.8 | ||
| StoneCo Ltd. | $2.72B | -24.6% | -10.9% | -3.7% | 4.1 | ||
| DLocal Limited | $2.27B | -2.6% | 31.6% | 39.5% | 3.0 | ||
| LendingClub Corporation | $1.97B | -10.7% | — | 64.7% | 1.5 | ||
| PagSeguro Digital Ltd. | $1.69B | 2.4% | 8.1% | 50.6% | 0.4 |
Valuation Pulse
Aggregated DCF intrinsic value and Wall Street analyst consensus across the theme universe — see where the opportunities and risks sit before you commit capital.
DCF Intrinsic Value
18 of 28 stocks with a DCF view
7
Undervalued
2
Fair Value
9
Overvalued
Wall Street Consensus
28 stocks with analyst coverage
86%
Buy or Strong Buy
+30%
Median Target Upside
Daily Intelligence
Start with the daily narrative, then review the setups across the value chain with catalyst and valuation context before you act.
Today's Brief
Apr 10, 2026
Fintech sector sees mixed momentum. Payments giants (MA, V) ride AI and stable‑coin pushes; MA shows strong momentum but faces a changing payments landscape, while V’s OwlTing partnership could accelerate stable‑coin adoption. MercadoLibre (MELI) bets heavily on AI and shipping to drive volume, but profitability remains a concern. Retail‑brokerage Robinhood (HOOD) faces heightened risk and may miss a market moment, contrasting with Block (XYZ) that is praised for growth and upcoming Q1 results. Credit‑union‑backed Upstart (UPST) could accelerate loan growth, but legal and investor‑rights issues loom. Overall, sector sentiment is mixed, with opportunities and risks co‑existing.
Top Drivers
Mastercard shows strong momentum but faces a changing payments game.
Visa’s OwlTing partnership could drive stable‑coin adoption.
MercadoLibre’s heavy AI and shipping investments aim to boost volume.
Robinhood’s risk profile may hinder its ability to capture a market moment.
Upstart’s credit‑union push could accelerate loan growth amid legal concerns.
Featured Setups By Segment
These are the cards worth scanning first: current narrative, Street target, VCP DCF view, peer-multiple verdict, and forward estimates in one place.
Card Networks & Payment Duopolies
Global electronic payment networks providing transaction processing, settlement, and fraud management across billions of cards worldwide.
Visa shares jumped on Thursday after Q2 earnings beat estimates, driven by higher-than-expected revenue growth and strong consumer spending, reinforcing confidence in its strategic initiatives.
Street
Buy
Target $362.45 • +13% • 61 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Overvalued
-38% • 86/100 confidence
VCP Est.
FY+1 Rev +13%
Base target $451.04 • 79/100 confidence
Why Visa Stock Popped Today
fool.com • 2026-04-29 16:20
No fresh company update today.
Street
Buy
Target $656.87 • +32% • 64 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Overvalued
-35% • 83/100 confidence
VCP Est.
FY+1 Rev +14%
Base target $707.02 • 82/100 confidence
Glass Joins Mastercard Start Path to Advance Modern Infrastructure for Public Sector Finance
globenewswire.com • 2026-04-29 11:00
Digital Payments & Wallets
Consumer and merchant payment platforms, digital wallets, peer-to-peer transfer services, and next-generation payment technology companies.
PayPal announced a strategic reorganization splitting into three units and carving Venmo into a separate business, aiming to accelerate growth and unlock value. The move, coupled with a new partnership with BigCommerce, signals a focus on high‑margin merchant services and expanded agentic commerce.
Street
Hold
Target $51.67 • +11% • 70 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Undervalued
+150% • 83/100 confidence
VCP Est.
FY+1 Rev +3%
Base target $50.36 • 83/100 confidence
PayPal Reorganizes Around 3 Business Units
pymnts.com • 2026-04-29 18:43
Block (XYZ) gains momentum as Square expands its unified commerce platform, triples volume for Black Seed Bagels, and rolls out Managerbot to more sellers, boosting its growth narrative.
Street
Buy
Target $83.29 • +17% • 35 analysts
VCP DCF
overvalued
-19% • FV $58.41
Peers
Undervalued
+660% • 81/100 confidence
VCP Est.
FY+1 Rev +8%
Base target $137.51 • 58/100 confidence
Black Seed Bagels Triples Volume with Square as Unified Commerce Platform
businesswire.com • 2026-04-29 09:00
Corpay (CPAY) unveiled AI capabilities that modernize spend management, adding advanced automation and analytics to its procurement platform. The upgrade is expected to accelerate customer adoption and drive future revenue growth.
Street
Buy
Target $362.13 • +19% • 18 analysts
VCP DCF
undervalued
+73% • FV $532.54
Peers
Undervalued
+8% • 87/100 confidence
VCP Est.
FY+1 Rev +11%
Base target $442.66 • 55/100 confidence
Corpay Launches AI Capabilities to Modernize Spend Management
businesswire.com • 2026-04-28 09:10
Neobanks & Digital Banking Platforms
App-first challenger banks and brokerage platforms serving retail customers with no legacy branch infrastructure.
SoFi shares fell after the CEO announced no rate cuts this year, the company issued flat full‑year guidance despite beating revenue, and higher-than‑expected expenses dented outlook.
Street
Hold
Target $20.89 • +30% • 27 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Undervalued
+8% • 80/100 confidence
VCP Est.
FY+1 Rev +15%
Base target $15.42 • 53/100 confidence
We didn't raise guidance because we don't think there will be any rate cuts this year, says SoFi CEO
youtube.com • 2026-04-29 20:04
Nubank's announcement of a R$45 billion investment in Brazil, combined with its recent outperformance of the broader market and favorable comparison to competitor Dave, is driving the stock higher.
Street
Buy
Target $20.48 • +44% • 22 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Overvalued
-38% • 71/100 confidence
VCP Est.
FY+1 Rev +48%
Base target $19.02 • 41/100 confidence
DAVE vs. NU: Which Fintech Stock Is the Better Buy Now?
zacks.com • 2026-04-28 11:51
Robinhood shares fell sharply after Q1 earnings missed expectations, with revenue growth decelerating significantly, prompting a sell‑off and negative market sentiment.
Street
Buy
Target $117.14 • +52% • 25 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Overvalued
-38% • 80/100 confidence
VCP Est.
FY+1 Rev +19%
Base target $55.69 • 41/100 confidence
Starbucks, Robinhood & SoFi: What's Really Moving Markets Right Now
youtube.com • 2026-04-29 18:00
Buy Now Pay Later & Alternative Lending
AI-driven consumer credit, point-of-sale installment lending, and marketplace lending platforms disrupting traditional consumer finance.
Affirm is set to launch its new product, 'The Big Nothing', returning to market on May 13–15, which is expected to lift the stock as investors anticipate increased sales and brand buzz.
Street
Buy
Target $80.77 • +21% • 33 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Overvalued
-81% • 66/100 confidence
VCP Est.
FY+1 Rev +24%
Base target $66.81 • 59/100 confidence
Nothing is coming: Affirm's The Big Nothing returns May 13–15
businesswire.com • 2026-04-28 09:00
UPST is gaining attention after a $1.25B forward‑flow agreement with Fortress Investment Group and a $37M share purchase by hedge fund Halter Ferguson, indicating institutional confidence.
Street
Buy
Target $45.17 • +45% • 22 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Overvalued
-12% • 75/100 confidence
VCP Est.
FY+1 Rev +46%
33/100 confidence
UPST INVESTOR REMINDER: Upstart Holdings, Inc. Investors Have Until June 8, 2026 To Seek Lead Plaintiff Role – Contact Kirby McInerney LLP
businesswire.com • 2026-04-29 18:00
Payment Processing & Commerce Enablement
B2B payment orchestration, accounts payable automation, merchant acquiring, global payment localization, and e-commerce checkout platforms.
Shopify’s stock is buoyed by Bloomreach’s Loomi AI launch, analyst focus on agentic commerce, and expected Q1 earnings growth, driving optimism despite a recent dip.
Street
Buy
Target $164.75 • +53% • 63 analysts
VCP DCF
overvalued
-82% • FV $22.42
Peers
Undervalued
+64% • 81/100 confidence
VCP Est.
FY+1 Rev +26%
Base target $107.61 • 75/100 confidence
Is Trending Stock Shopify Inc. (SHOP) a Buy Now?
zacks.com • 2026-04-29 10:03
No fresh company update today.
Street
Buy
Target $54.22 • +41% • 32 analysts
VCP DCF
overvalued
-73% • FV $10.65
Peers
Undervalued
+28% • 73/100 confidence
VCP Est.
FY+1 Rev +18%
Base target $38.32 • 51/100 confidence
Intuit vs. BILL Holdings: Which Fintech Stock is the Better Buy?
zacks.com • 2026-04-28 14:26
FOUR is driven today by Shift4’s explosive growth and its new partnership with Inter Miami CF to enhance fan experience at Nu Stadium, boosting revenue prospects but exposing the company to high operational risk.
Street
Buy
Target $73.36 • +79% • 29 analysts
VCP DCF
undervalued
+256% • FV $160.93
Peers
Undervalued
+78% • 82/100 confidence
VCP Est.
FY+1 Rev +31%
Base target $70.48 • 63/100 confidence
Shift4's Explosive Growth Comes With High-Stakes Risk
marketbeat.com • 2026-04-29 07:15
Fiserv faces a potential legal probe by Julie & Holleman LLP into its directors and officers, amid analysts forecasting a decline in earnings for the current quarter. The combined scrutiny and earnings outlook weigh on the stock.
Street
Buy
Target $74.64 • +30% • 60 analysts
VCP DCF
undervalued
+182% • FV $175.10
Peers
Undervalued
+192% • 83/100 confidence
VCP Est.
FY+1 Rev -2%
Base target $77.24 • 61/100 confidence
FISV ALERT: Shareholder Rights Law Firm Julie & Holleman LLP Is Investigating Fiserv's Directors and Officers for Potential Wrongdoing
globenewswire.com • 2026-04-28 21:34
Market Infrastructure & Exchanges
Stock exchanges, derivatives marketplaces, and clearing houses with recurring data revenue and transaction fees insulated from credit and market risk.
No fresh company update today.
Street
Buy
Target $114.60 • +29% • 36 analysts
VCP DCF
overvalued
-35% • FV $59.22
Peers
Overvalued
-7% • 91/100 confidence
VCP Est.
FY+1 Rev -3%
Base target $105.90 • 66/100 confidence
Mountain Crest Acquisition 6 Corp. Announces Pricing of $60 Million Initial Public Offering
globenewswire.com • 2026-04-29 17:56
ICE faces scrutiny as analysts project earnings that may not meet expectations, while a DCF model values the stock at $118 versus its $157 price, suggesting overvaluation.
Street
Buy
Target $195.71 • +26% • 36 analysts
VCP DCF
fair
-10% • FV $138.79
Peers
Undervalued
+13% • 88/100 confidence
VCP Est.
FY+1 Rev +1%
Base target $190.89 • 65/100 confidence
Will Intercontinental Pull Off a Surprise This Earnings Season?
zacks.com • 2026-04-28 10:45
No fresh company update today.
Street
Hold
Target $320.25 • +12% • 35 analysts
VCP DCF
overvalued
-53% • FV $134.81
Peers
Undervalued
+23% • 85/100 confidence
VCP Est.
FY+1 Rev +7%
Base target $277.64 • 66/100 confidence
What Is Tokenization and How to Get Exposure
etftrends.com • 2026-04-29 08:44
Emerging Market Fintech
Fintech leaders digitizing financial access for underbanked populations in Latin America and Southeast Asia.
MELI shares fell 31% after CEO flagged loan‑book sales and downplayed Venezuela expansion, prompting a market‑wide sell‑off.
Street
Buy
Target $2420.00 • +33% • 33 analysts
VCP DCF
overvalued
-70% • FV $560.83
Peers
Undervalued
+113% • 78/100 confidence
VCP Est.
FY+1 Rev +29%
Base target $3137.48 • 70/100 confidence
MercadoLibre (MELI) Registers a Bigger Fall Than the Market: Important Facts to Note
zacks.com • 2026-04-29 18:47
Sea Limited (SE) is poised for Q1 2026 earnings release, with analysts rating it as a good investment amid growing user base and monetization growth.
Street
Buy
Target $147.67 • +75% • 44 analysts
VCP DCF
overvalued
-76% • FV $20.42
Peers
Undervalued
+66% • 79/100 confidence
VCP Est.
FY+1 Rev +31%
Base target $84.48 • 38/100 confidence
TOMI Environmental Solutions Targets $70 Billion U.S. Drone and Defense Budget with Autonomous SteraMist iHP Decontamination
globenewswire.com • 2026-04-29 08:30
Nubank's announcement of a R$45 billion investment in Brazil, combined with its recent outperformance of the broader market and favorable comparison to competitor Dave, is driving the stock higher.
Street
Buy
Target $20.48 • +44% • 22 analysts
VCP DCF
DCF unavailable
DCF view unavailable
Peers
Overvalued
-38% • 71/100 confidence
VCP Est.
FY+1 Rev +48%
Base target $19.02 • 41/100 confidence
DAVE vs. NU: Which Fintech Stock Is the Better Buy Now?
zacks.com • 2026-04-28 11:51
More Daily Summaries
Review the rest of the names in the theme that have fresh stock-level news coverage today.
Fidelity National Information Services, Inc.
No fresh company update today.
LendingClub Corporation
LendingClub's Q1 2026 results show a 31% jump in originations and the launch of a home‑improvement financing platform via a partnership with Wisetack, boosting revenue prospects.
Flutter Entertainment plc
FanDuel Group (FLUT) is driving growth by securing a partnership with Toronto Tempo to launch its first sportsbook and casino in women's sports, expanding its market reach and betting options. Analysts view the move as a catalyst for revenue diversification, boosting the stock’s upside.
Global Payments Inc.
Investors are eyeing next week's earnings release, with analysts projecting growth, but rising cost trends are raising concerns that could dampen upside.
WEX Inc.
WEX is positioning itself as a leader in health‑benefits payment solutions, highlighted by its 2026 SPARK event, while shareholder activism led by ISS, Glass Lewis, and Egan‑Jones pushes for governance changes, adding pressure.
Remitly Global, Inc.
RELY is gaining traction after Zacks named it among four stocks with strong net profit margins, signaling healthy profitability and attracting investors.
Earnings Calendar
Earnings are the single biggest catalyst for theme stocks. Track which names report soon and prepare before the move.
No earnings in the next 30 days
Dates can shift, so if you are tracking a specific stock, open its page for the latest earnings calendar and setup.
Theme Breakdown
These buckets separate the companies building, supplying, and monetizing the theme across the value chain.
Global electronic payment networks providing transaction processing, settlement, and fraud management across billions of cards worldwide.
Consumer and merchant payment platforms, digital wallets, peer-to-peer transfer services, and next-generation payment technology companies.
App-first challenger banks and brokerage platforms serving retail customers with no legacy branch infrastructure.
AI-driven consumer credit, point-of-sale installment lending, and marketplace lending platforms disrupting traditional consumer finance.
B2B payment orchestration, accounts payable automation, merchant acquiring, global payment localization, and e-commerce checkout platforms.
Stock exchanges, derivatives marketplaces, and clearing houses with recurring data revenue and transaction fees insulated from credit and market risk.
Fintech leaders digitizing financial access for underbanked populations in Latin America and Southeast Asia.
This page covers the full financial technology spectrum, from Visa's duopoly moat to pre-profit alternative lenders.
Visa and Mastercard sit at one end of the risk spectrum — no credit exposure, a toll on every card transaction globally, and moats that compound with every new merchant. BNPL and alternative lenders sit at the other: real credit risk, funding cost sensitivity, and earnings that compress sharply when rates rise. Payment processors and platforms sit in between: B2B names like BILL and FOUR are SaaS-like in revenue quality; B2C platforms like PYPL are consumer-facing with higher churn risk. Understanding where each company sits on this spectrum is essential before comparing P/E or EV/Sales.
Take rate, total payment volume growth, and credit quality (for lenders) are the primary KPIs.
Card networks trade on earnings growth driven by payment volume and cross-border mix (higher take rate); payment platforms trade on EV/Gross Profit adjusted for take rate. B2B processors like BILL and SHOP are SaaS-like: use NRR and Rule of 40. Alternative lenders (UPST, AFRM) need a credit quality lens — check delinquency trends and provision rates; neobanks trade on MAU growth and net interest margin. Market infrastructure (NDAQ, CME) is the most defensive: recurring data revenue, high operating leverage, and no credit exposure.
Rate sensitivity varies sharply by segment — card networks barely care; alternative lenders care enormously.
Card networks are nearly insensitive to rate cycles — they earn on volume, not spread, and inflation-driven nominal spend partially offsets rate-driven consumer caution. Alternative lenders and BNPL companies are highly sensitive: rising rates increase funding costs and compress credit quality simultaneously, squeezing margins and origination volumes. UPST and AFRM both saw dramatic revenue collapses in 2022-23 for exactly this reason; neobanks with deposit franchises like SOFI benefit from rate hike cycles through wider net interest margins. Identify where each holding sits on the rate sensitivity spectrum before forming a macro view on the basket.
Companies whose revenue is materially driven by technology applied to financial services — payments processing, digital banking, alternative credit, investment platforms, market infrastructure, and embedded finance. Spans card networks (V, MA), digital wallets (PYPL, XYZ), neobanks (SOFI, NU), BNPL (AFRM, UPST), payment processors (FISV, SHOP), exchanges (NDAQ, CME), and emerging market fintech (MELI, SE).
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25 stocksResearch and screen gold and precious metals stocks in one place — senior gold miners, silver producers, royalty and streaming companies, and critical minerals miners with live market data, theme performance, and daily intelligence in 2026.
23 stocksResearch and screen nuclear energy stocks in one place — nuclear power operators, uranium miners, small modular reactor developers, and nuclear services companies with live market data, theme performance, and daily intelligence in 2026.
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28 stocksResearch and screen renewable energy stocks in one place — solar, wind, hydrogen, utilities, and storage companies with live market data, theme performance, and daily intelligence in 2026.
25 stocksResearch and screen robotics and automation stocks in one place — industrial automation, surgical robots, warehouse automation, semiconductor equipment, and AI-driven autonomous systems with live market data, theme performance, and daily intelligence in 2026.
31 stocksResearch and screen space stocks in one place — launch providers, satellite operators, Earth observation companies, and aerospace crossovers with live market data, theme performance, and daily intelligence in 2026.
Start with the basket, verify the drivers, then screen the names that still fit your process.
