Above pivot +3.3% · day 2
119 stocks · 16 setups today · as of Nov 6, 2026
Each stock once, in its most actionable state, ranked as on the breakout page. Chart data is 15-minute delayed; setups update after the close. For information only, not a recommendation.
| Stock | Industry | Tier | Watchlist | |||||
|---|---|---|---|---|---|---|---|---|
 APPFAppFolio Inc. | Above pivot +1.4% · day 4 | -1.06% | $230.74 | 89 | $8.24B | Vertical Industry Software | Major | |
 BILLBill.com Holdings, Inc. | Above pivot +3.3% · day 2 | +2.99% | $52.41 | 87 | $5.22B | Payment Processors & Networks | Core | |
 NCNOnCino, Inc. | Closed below pivot -3.5% | -2.33% | $22.67 | 86 | $2.48B | Financial Software | Core | |
 VVisa Inc. | — | +0.01% | $422.65 | 88 | $789.11B | Payment Processors & Networks | Core | |
 MAMastercard Incorporated | — | -0.49% | $652.70 | 88 | $576.71B | Payment Processors & Networks | Core | |
 AXPAmerican Express Company | — | -1.22% | $320.99 | 60 | $216.77B | Payment Processors & Networks | Major | |
 SHOPShopify Inc. | — | +3.59% | $148.91 | 83 | $193.23B | E-commerce Software | Major | |
 ICEIntercontinental Exchange, Inc. | — | -0.99% | $172.27 | 82 | $97.15B | Exchanges & Financial Data | Major | |
 INTUIntuit Inc. | — | -3.76% | $341.50 | 62 | $93.41B | Financial Software | Major | |
 MELIMercadoLibre, Inc. | — | -1.33% | $1,510.00 | 34 | $76.55B | E-commerce & Online Marketplaces | Major | |
 HOODRobinhood Markets, Inc. | — | +3.21% | $80.91 | 38 | $72.74B | Investment Banks & Brokerages | Core | |
 NDAQNasdaq, Inc. | — | +0.27% | $107.12 | 86 | $59.88B | Exchanges & Financial Data | Major | |
 NUNu Holdings Ltd. | — | +2.47% | $12.03 | 35 | $58.26B | Consumer Finance | Core | |
 PYPLPayPal Holdings, Inc. | — | +0.47% | $59.24 | 87 | $52.26B | Payment Processors & Networks | Core | |
 XYZBlock, Inc. | — | +1.71% | $85.48 | 83 | $50.88B | Payment Processors & Networks | Core | |
 SESea Limited | — | +0.13% | $75.73 | 26 | $45.46B | E-commerce & Online Marketplaces | Major | |
 COINCoinbase Global, Inc. | — | -1.51% | $134.76 | 28 | $35.5B | Crypto & Digital Assets | Major | |
 IBKRInteractive Brokers Group, Inc. | — | +4.25% | $75.82 | 45 | $33.78B | Investment Banks & Brokerages | Core | |
 FISVFiserv, Inc. | — | +0.22% | $62.88 | 82 | $33.53B | Payment Processors & Networks | Core | |
 CPAYCorpay, Inc. | — | +1.83% | $455.16 | 91 | $29.75B | Payment Processors & Networks | Core | |
 GPNGlobal Payments Inc. | — | +2.55% | $97.40 | 87 | $24.18B | Payment Processors & Networks | Core | |
 AFRMAffirm Holdings, Inc. | — | -2.23% | $68.11 | 70 | $22.69B | Consumer Finance | Core | |
 BRBroadridge Financial Solutions, Inc. | — | -1.82% | $190.40 | 85 | $22.02B | Financial Software | Core | |
 SOFISoFi Technologies, Inc. | — | +1.06% | $16.21 | 48 | $20.79B | Consumer Finance | Core | |
 TOSTToast, Inc. | — | -1.39% | $34.67 | 83 | $20.11B | Payment Processors & Networks | Core | |
 SSNCSS&C Technologies Holdings, Inc. | — | -0.76% | $77.71 | 71 | $18.24B | Financial Software | Core | |
 GENGen Digital Inc. | — | -2.65% | $29.79 | 87 | $17.83B | Cybersecurity | Major | |
 KSPIJoint Stock Company Kaspi.kz | — | +0.11% | $91.68 | 67 | $17.42B | Consumer Finance | Core | |
 FICOFair Isaac Corporation | — | -0.40% | $704.55 | 20 | $15.22B | Exchanges & Financial Data | Major | |
 FISFidelity National Information Services, Inc. | — | -2.25% | $28.73 | 19 | $14.85B | Payment Processors & Networks | Core | |
 FUTUFutu Holdings Limited | — | +4.27% | $98.06 | 31 | $13.69B | Investment Banks & Brokerages | Core | |
 SEICSEI Investments Company | — | +0.11% | $105.30 | 80 | $12.64B | Asset Managers & Custodians | Major | |
 JKHYJack Henry & Associates, Inc. | — | -3.90% | $173.23 | 79 | $12.31B | Payment Processors & Networks | Core | |
 CHYMChime Financial, Inc. Class A Common Stock | — | +3.81% | $31.33 | 90 | $11.94B | Payment Processors & Networks | Core | |
 FRHCFreedom Holding Corp. | — | +0.95% | $178.85 | 89 | $10.96B | Investment Banks & Brokerages | Major | |
 XPXP Inc. | — | +2.44% | $15.14 | 32 | $7.92B | Investment Banks & Brokerages | Major | |
 WEXWEX Inc. | — | +1.36% | $182.22 | 81 | $6.21B | Payment Processors & Networks | Core | |
 ACIWACI Worldwide, Inc. | — | +0.84% | $60.02 | 90 | $6.1B | Payment Processors & Networks | Core | |
 KLARKlarna Group plc | — | +0.52% | $13.60 | 46 | $5.13B | Consumer Finance | Core | |
 SEZLSezzle Inc. | — | -3.59% | $149.43 | 94 | $5.02B | Consumer Finance | Core | |
 RELYRemitly Global, Inc. | — | +3.60% | $22.32 | 62 | $4.7B | Payment Processors & Networks | Core | |
 QTWOQ2 Holdings, Inc. | — | -2.25% | $73.92 | 93 | $4.61B | Financial Software | Core | |
 ENVAEnova International, Inc. | — | -1.03% | $172.48 | 45 | $4.29B | Consumer Finance | Core | |
 PAYPaymentus Holdings, Inc. | — | +0.27% | $33.47 | 83 | $4.2B | Payment Processors & Networks | Core | |
 FIGRFigure Technology Solutions, Inc. Class A Common Stock | — | +8.73% | $22.73 | 23 | $4.15B | Consumer Finance | Core | |
 DLODlocal Limited | — | +3.95% | $13.95 | 59 | $4.09B | Payment Processors & Networks | Core | |
 DAVEDave Inc. | — | +1.18% | $278.59 | 51 | $3.75B | Consumer Finance | Core | |
 NATLNCR Atleos Corporation | — | +0.40% | $47.18 | 72 | $3.48B | Financial Software | Major | |
 FOURShift4 Payments, Inc. | — | +2.70% | $43.96 | 54 | $3.04B | Payment Processors & Networks | Core | |
 EEFTEuronet Worldwide, Inc. | — | -0.39% | $70.87 | 56 | $2.7B | Payment Processors & Networks | Core | |
 FLYWFlywire Corp | — | +1.46% | $21.57 | 93 | $2.62B | Payment Processors & Networks | Core | |
 BULLWebull Corporation Class A Ordinary Shares | — | +2.29% | $4.92 | 19 | $2.62B | Investment Banks & Brokerages | Core | |
 PAYOPayoneer Global Inc. | — | -0.28% | $7.15 | 89 | $2.42B | Payment Processors & Networks | Core | |
 PAGSPagSeguro Digital Ltd. | — | -0.78% | $7.60 | 30 | $2.2B | Payment Processors & Networks | Core | |
 WUThe Western Union Company | — | -1.92% | $6.88 | 38 | $2.15B | Payment Processors & Networks | Major | |
 UPSTUpstart Holdings, Inc. | — | -1.13% | $21.89 | 26 | $2.1B | Consumer Finance | Core | |
 EVTCEVERTEC, Inc. | — | -1.41% | $33.55 | 83 | $2.07B | Payment Processors & Networks | Core | |
 IDTIDT Corporation | — | +0.43% | $82.17 | 94 | $2.04B | Telecom Carriers | Major | |
 TBBKThe Bancorp, Inc. | — | +1.07% | $48.25 | 31 | $2.01B | Regional Banks | Major | |
 ETOReToro Group Ltd. | — | +1.26% | $22.97 | 21 | $1.93B | Investment Banks & Brokerages | Core | |
 STNEStoneCo Ltd. | — | +0.27% | $7.51 | 20 | $1.83B | Payment Processors & Networks | Core | |
 MQMarqeta, Inc. | — | +0.81% | $18.59 | 82 | $1.82B | Payment Processors & Networks | Core | |
 NYAXNayax Ltd. | — | +3.27% | $47.66 | 35 | $1.74B | Payment Processors & Networks | Core | |
 INTRInter & Co, Inc. | — | +2.12% | $3.86 | 17 | $1.7B | Regional Banks | Core | |
 CASHPathward Financial, Inc. | — | -0.50% | $76.26 | 43 | $1.61B | Regional Banks | Major | |
 BLBlackLine, Inc. | — | -23.11% | $25.89 | 32 | $1.52B | Financial Software | Major | |
 TFINTriumph Financial, Inc. | — | -1.61% | $61.23 | 48 | $1.46B | Regional Banks | Major | |
 PGYPagaya Technologies Ltd. | — | +0.52% | $17.50 | 74 | $1.45B | Consumer Finance | Core | |
 ALKTAlkami Technology, Inc. | — | +0.45% | $13.41 | 27 | $1.44B | Financial Software | Core | |
 LSPDLightspeed Commerce Inc. | — | -1.53% | $10.29 | 70 | $1.42B | Payment Processors & Networks | Core | |
 UPBDUpbound Group, Inc. | — | -2.57% | $24.24 | 89 | $1.41B | Consumer Finance | Major | |
 DLXDeluxe Corporation | — | -4.12% | $26.56 | 66 | $1.22B | Business & Facility Services | Major | |
 PAYSPaysign, Inc. | — | +2.58% | $14.69 | 98 | $821M | Payment Processors & Networks | Core | |
 LULufax Holding Ltd | — | +8.23% | $9.34 | 16 | $809M | Consumer Finance | Core | |
 MITKMitek Systems, Inc. | — | +1.83% | $17.24 | 69 | $779M | Financial Software | Core | |
 FINVFinVolution Group | — | +1.38% | $2.94 | 23 | $730M | Consumer Finance | Core | |
 QFINQfin Holdings, Inc. | — | +2.20% | $5.58 | 10 | $726M | Consumer Finance | Core | |
 TIGRUP Fintech Holding Ltd. Sponsored ADR Class A | — | +4.00% | $3.90 | 23 | $714M | Investment Banks & Brokerages | Core | |
 CASSCass Information Systems, Inc. | — | -0.24% | $54.18 | 76 | $697M | Payment Processors & Networks | Core | |
 GDOTGreen Dot Corporation | — | -1.61% | $12.24 | 55 | $694M | Payment Processors & Networks | Core | |
 CCBCoastal Financial Corporation | — | -1.23% | $42.72 | 22 | $651M | Regional Banks | Major | |
 PRTHPriority Technology Holdings, Inc. | — | +0.13% | $7.88 | 94 | $649M | Payment Processors & Networks | Core | |
 OPFIOppFi Inc. | — | -1.59% | $6.17 | 25 | $531M | Consumer Finance | Core | |
 OPRTOportun Financial Corporation | — | -2.50% | $11.31 | 97 | $519M | Consumer Finance | Core | |
 TREELendingTree, Inc. | — | -4.44% | $37.01 | 77 | $516M | Online Marketplaces & Classifieds | Major | |
 RPAYRepay Holdings Corporation | — | -3.51% | $4.40 | 88 | $388M | Payment Processors & Networks | Core | |
 PSFEPaysafe Limited | — | +1.37% | $6.68 | 48 | $345M | Payment Processors & Networks | Core | |
 MVBFMVB Financial Corp. | — | +1.33% | $25.91 | 46 | $333M | Regional Banks | Major | |
 BETRBetter Home & Finance Holding Company | — | +1.42% | $19.24 | 42 | $301M | Mortgage Lenders & Servicers | Core | |
 LSAKLesaka Technologies, Inc. | — | -1.40% | $3.52 | 28 | $296M | Payment Processors & Networks | Core | |
 MFImF International Limited | — | -3.95% | $5.10 | 12 | $256M | Financial Software | Core | |
 BLNDBlend Labs, Inc. | — | -12.95% | $0.98 | 17 | $238M | Financial Software | Core | |
 IMXIInternational Money Express, Inc. | — | +0.55% | $7.34 | 11 | $221M | Payment Processors & Networks | Core | |
 MTCMMTec, Inc. | — | +4.50% | $5.34 | 92 | $210M | Financial Software | Core | |
 EXFYExpensify, Inc. | — | -8.07% | $2.05 | 94 | $198M | Financial Software | Major | |
 FINWFinWise Bancorp | — | +0.07% | $13.68 | 50 | $187M | Regional Banks | Major | |
 OWLSOBOOK Holdings Inc. | — | 0.00% | $2.18 | 7 | $179M | Payment Processors & Networks | Core | |
 CURRCurrenc Group, Inc. | — | +1.61% | $1.89 | 21 | $145M | Payment Processors & Networks | Core | |
 EXODExodus Movement, Inc. | — | +3.83% | $4.07 | 14 | $122M | Crypto & Digital Assets | Major | |
 LXLexinFintech Holdings Ltd. | — | +4.72% | $0.66 | 10 | $111M | Consumer Finance | Core | |
 RDZNRoadzen, Inc. | — | +6.31% | $1.18 | 35 | $100M | Financial Software | Major | |
 WTFWaton Financial Limited Ordinary Shares | — | +0.77% | $1.98 | 17 | $95M | Investment Banks & Brokerages | Major | |
 USIOUsio, Inc. | — | +1.02% | $2.96 | 97 | $82M | Payment Processors & Networks | Core | |
 NTWKNetSol Technologies, Inc. | — | +0.31% | $6.49 | 97 | $77M | Financial Software | Core | |
 JFINJiayin Group Inc. | — | -4.67% | $1.43 | 13 | $74M | Consumer Finance | Core | |
 XYFX Financial | — | +22.34% | $5.75 | 81 | $38M | Consumer Finance | Core | |
 YRDYiren Digital Ltd. | — | +2.37% | $0.37 | 3 | $32M | Consumer Finance | Core | |
 JFU9F Inc. | — | +7.04% | $2.13 | 26 | $25M | Financial Software | Major | |
 FLDFold Holdings, Inc. | — | -4.77% | $0.46 | 20 | $23M | Crypto & Digital Assets | Major | |
 BLNEBeeline Holdings Inc. | — | +0.49% | $0.61 | 9 | $19M | Mortgage Lenders & Servicers | Core | |
 EBONEbang International Holdings Inc. | — | -3.58% | $1.57 | 23 | $10M | Payment Processors & Networks | Core | |
 NCPLNetcapital Inc. | — | -3.08% | $1.26 | 98 | $7M | Investment Banks & Brokerages | Core | |
 PSQHPSQ Holdings, Inc. | — | +18.18% | $1.95 | 4 | $7M | Payment Processors & Networks | Core | |
 APCXAppTech Payments Corp. | — | 0.00% | $0.11 | 5 | $5M | Payment Processors & Networks | Core | |
 SNTGSentage Holdings Inc. | — | +3.16% | $1.63 | 43 | $5M | Payment Processors & Networks | Core | |
 SURGSurgePays, Inc. | — | +2.34% | $0.17 | 14 | $4M | Payment Processors & Networks | Major | |
 OLBThe OLB Group, Inc. | — | +5.41% | $0.18 | 11 | $3M | Payment Processors & Networks | Core | |
 YHCLQR House Inc. | — | -6.21% | $1.51 | 11 | $323363 | Investment Banks & Brokerages | Major | |
 SHFSSHF Holdings, Inc. | — | -1.13% | $0.03 | 0 | $15184 | Financial Software | Core |
Fintech Stocks -7.3%SPY -4.9%
Equal-weight return of the theme's stocks from the range start, against SPY. Daily market data.
| Window | Theme | SPY | vs SPY |
|---|---|---|---|
| Today | +0.4% | +0.3% | +0.1% |
| 5D | -2.0% | -2.2% | +0.2% |
| 1M | -2.7% | -5.0% | +2.3% |
| 3M | -7.3% | -4.9% | -2.4% |
| 6M | -3.6% | -0.3% | -3.3% |
| YTD | -10.9% | +7.8% | -18.7% |
| 1Y | -13.0% | +7.9% | -20.9% |
Card networks, digital payments, neobanks, payment processors, and market infrastructure reshaping financial services.
Fintech stocks screened across card networks, digital payments, neobanks, payment processing, and market infrastructure with daily updated market data, valuation metrics and performance tracking.
119 US-listed stocks, placed in this theme by our own classification of each company's business. Setups come from the same chart-pattern engine as the breakout page and update after the close.
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).
Visa (V) and Mastercard (MA) are the highest-quality businesses in fintech — network-effect duopolies with asset-light models, 40%+ operating margins, and compounding volume growth. For growth exposure, Nubank (NU) is the largest neobank in the world by users with a rapidly improving profitability profile. MercadoLibre (MELI) is the dominant Latin American fintech-commerce platform. Affirm (AFRM) is the highest-leverage BNPL play on the US consumer.
Card networks (Visa, Mastercard) set the rules, provide the settlement infrastructure, and collect a toll on every transaction — they do not issue cards and do not make loans. Payment processors (Fiserv, FIS, Global Payments) integrate with banks and merchants to handle the technical processing on both ends of that network. Payment platforms (Stripe, PYPL, Adyen) provide additional merchant-facing infrastructure on top of the networks. Each layer earns different economics at different scales.
BNPL companies take real credit risk — they fund purchases upfront and collect from consumers over time, making them sensitive to both interest rates and credit quality. AFRM and UPST both saw dramatic revenue and stock declines in 2022-23 as rates rose and charge-offs climbed. These are high-beta names: they grow aggressively in benign credit environments and compress severely when conditions tighten. Check charge-off rates, funding cost trends, and origination growth before sizing.
Latin American and Southeast Asian markets are at a much earlier stage of financial digitization — large percentages of adults remain unbanked or underserved by traditional banks. This creates a greenfield opportunity for MercadoLibre, Sea Limited, and Nubank that US fintech companies do not have. The growth rates are correspondingly higher, but so are the political, currency, and regulatory risks. MELI and SE trade at premium multiples reflecting the scale and quality of the platform builds they have achieved.