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Fintech

Every analyzed stock in Fintech — 96 companies. Each card shows price, our model's intrinsic value (IV), and how far price sits above or below it. Click any card for the full analysis. This is a research-triage view, not a buy/sell signal.

Fintech risk
Near-term vs. long-term risk for this theme
⚡ Right now ?Near-term risk over roughly the next 3 months. Blends live market conditions (volatility, how far the S&P is from its highs, credit spreads, the yield curve, sentiment), how stretched valuations are, and what the smart money is doing. Higher = greater odds of a pullback. · next 0–3 months
33 /100 Moderate ▼ -4 mild
Long-term risk ?Long-term / structural risk — the market's underlying tide. Where valuations sit versus 145 years of history (Shiller CAPE) plus multi-year trends. A high reading means weak long-run return prospects even if the market feels calm right now. · structural · vs 145yr history
52 /100 Elevated ◆ flat
▲ / ▼ = change vs ~7 days ago — red = risk rising, green = falling.
Inside the "right now" score — a 45 / 30 / 25 blend · 59 stocks valued
Conditions · 45% ?The live market weather: VIX (expected volatility), how far the S&P 500 is below its 52-week high, high-yield credit spreads, the 10-year vs 2-year yield curve, and the Fear & Greed index. Market-wide indices, not per-stock.
35 Moderate
Valuation · 30% ?How expensive stocks are versus our intrinsic-value models: the median price-to-value ratio and the share of stocks trading above what we think they are worth, across 59 stocks.
18 Low
Smart money · 25% ?What informed money is doing: short-selling activity plus corporate insiders buying or selling their own stock. Broken out below.
55 Elevated
Smart money — the three inputs
Short-selling ?Share of ALL US trading volume that is short sales (FINRA, ~12,000 symbols, market-wide). It normally sits near 45–50%, so readings above ~50% lean bearish and read as higher risk. Weighted 40% of Smart money.
54.8%
High
Buyers' strike ?Share of the sampled companies whose insiders bought NONE of their own stock on the open market in the last 12 months. The higher this runs, the more bearish (nobody's buying the dip in their own shares). Weighted 35%.
51%
Elevated
Net insider selling ?Share of the sampled companies whose insiders were net DISCRETIONARY sellers over 12 months (excludes scheduled 10b5-1 plans, which carry little signal). Around half is normal; well above that is bearish. Weighted 25%.
33%
Moderate
Black number = the raw figure; coloured bar & word = how it reads as risk. Insider inputs from 63 stocks (full universe); short-selling is market-wide.
Long-term risk: the long-term read runs high mainly because valuations sit near a historic extreme (Shiller CAPE) — a structural backdrop, not about this week.
Divergence: insiders are defensive while macro conditions (credit, curve, volatility) stay calm. Insiders are strong judges of their own companies but poor macro timers — historically this pattern favors selective stock-picking (see the opportunistic-buy signals) over exiting the market wholesale.
Scale (0–100): 0–20 Low · 20–40 Moderate · 40–60 Elevated · 60–80 High · 80–100 Extreme. "Right now" reads today's conditions; the "long-term" score is anchored to ~145 years of valuation history.
Educational use only — not investment advice. "Undervalued / fairly valued / overvalued" and every risk score reflect our models vs. price, which can be wrong or based on stale or incomplete data. Always review the company's own financials and SEC filings, and consult a licensed advisor, before acting.
Sort by: A–Z Riskiest Most overvalued Most shorted Buyers' strike Largest
This week in Fintech
Fintech — Sep 7 – Sep 11, 2026 (Wk 37): Fintech Sector Sees Mixed Activity Amid Acquisition Reports and Bank Charter Progress →
This week, the fintech sector experienced varied movements, with some companies seeing share price increases following acquisition news and progress towards banking charters, while others declined. The overall risk score for fintech increased, indicating a potentially…
ALP
Alpha Compute Corp
Valuation N/A
Financial Services Risk 30 · Moderate
Price$4.16
Model IV—
P/IV—
Limited data — see page
BLKB
BLACKBAUD INC
Undervalued
Technology Risk 42 · Elevated
Price$45.67
Model IV$62.81
P/IV0.49
Discount 27% Return to IV: +37.5%
Market implies +0.8%/yr vs model +7.1% · below model
BTGO
BITGO HOLDINGS, INC.
Valuation N/A
Financial Services
Price$7.65
Model IV—
P/IV—
Limited data — see page
BULL
Webull Corp
Deeply undervalued
Financial Services Risk 26 · Moderate
Price$9.22
Model IV$11.56
P/IV0.55
Discount 20% Return to IV: +25.4%
Market implies +6.2%/yr vs model +12.0% · below model
BULLW
Webull Corp
Deeply undervalued
Financial Services Risk 42 · Elevated
Price$3.25
Model IV$7.94
P/IV0.41
Discount 59% Return to IV: +144.8%
Market implies -14.2%/yr vs model +2.6% · below model
CASH
PATHWARD FINANCIAL, INC.
Fairly valued
Financial Services Risk 46 · Elevated
Price$79.42
Model IV$75.46
P/IV1.09
Premium +5% Return to IV: -5.0%
CNDT
CONDUENT Inc
Valuation N/A
Technology Risk 61 · High
Price$1.57
Model IV—
P/IV—
Market implies -1.8%/yr vs model +0.0% · in line
CPAY
CORPAY, INC.
Fairly valued
Technology Risk 51 · Elevated
Price$408.22
Model IV$439.07
P/IV0.82
Discount 7% Return to IV: +7.6%
Market implies +12.2%/yr vs model +16.3% · below model
CRCL
Circle Internet Group, Inc.
Valuation N/A
Financial Services Risk 50 · Elevated
Price$90.60
Model IV—
P/IV—
Market implies +77.5%/yr vs model +50.0% · above model
CXT
Crane NXT, Co.
Overvalued
Industrials Risk 46 · Elevated
Price$51.99
Model IV$44.08
P/IV0.88
Premium +18% Return to IV: -15.2%
Market implies +7.2%/yr vs model +5.5% · in line
DAAQ
Digital Asset Acquisition Corp.
Valuation N/A
Financial Services
Price$10.44
Model IV—
P/IV—
Limited data — see page
DAAQU
Digital Asset Acquisition Corp.
Valuation N/A
Financial Services
Price$11.76
Model IV—
P/IV—
Limited data — see page
DAVE
Dave Inc./DE
Deeply undervalued
Financial Services Risk 38 · Moderate
Price$350.71
Model IV$418.92
P/IV0.67
Discount 16% Return to IV: +19.4%
Market implies +16.7%/yr vs model +25.0% · below model
DAVEW
Dave Inc./DE
Valuation N/A
Financial Services Risk 43 · Elevated
Price$1.87
Model IV—
P/IV—
Market implies -50.0%/yr
DCX
Digital Currency X Technology Inc.
Valuation N/A
Consumer Cyclical Risk 39 · Moderate
Price$0.54
Model IV—
P/IV—
Market implies +18.0%/yr vs model +8.0% · above model
DFDVW
DeFi Development Corp.
Overvalued
Financial Services Risk 47 · Elevated
Price$0.97
Model IV$0.83
P/IV1.16
Premium +16% Return to IV: -14.0%
Market implies +5.5%/yr vs model +50.0% · below model
DLO
dLocal Ltd
Valuation N/A
Technology Risk 26 · Moderate
Price$14.86
Model IV—
P/IV—
Limited data — see page
DLX
DELUXE CORP
Deeply undervalued
Communication Services Risk 34 · Moderate
Price$23.62
Model IV$49.52
P/IV0.49
Discount 52% Return to IV: +109.7%
Market implies -8.2%/yr vs model +3.3% · below model
ETSY
ETSY INC
Fairly valued
Technology Risk 57 · Elevated
Price$74.00
Model IV$66.75
P/IV1.02
Premium +11% Return to IV: -9.8%
Market implies +10.9%/yr vs model +11.4% · in line
EVCM
EverCommerce Inc.
Fairly valued
Technology Risk 63 · High
Price$7.56
Model IV$6.62
P/IV1.70
Premium +14% Return to IV: -12.4%
Market implies +6.5%/yr vs model +6.9% · in line
EVTC
EVERTEC, Inc.
Deeply undervalued
Technology Risk 38 · Moderate
Price$29.27
Model IV$80.16
P/IV0.31
Discount 63% Return to IV: +173.9%
Market implies -2.7%/yr vs model +15.1% · below model
EXFY
Expensify, Inc.
Deeply undervalued
Technology Risk 27 · Moderate
Price$2.16
Model IV$1.90
P/IV0.61
Premium +13% Return to IV: -11.9%
Market implies -1.2%/yr vs model +2.0% · below model
FINV
FinVolution Group
Fairly valued
Financial Services Risk 71 · High
Price$3.40
Model IV$3.41
P/IV1.54
Discount 0% Return to IV: +0.3%
Market implies +7.8%/yr vs model +9.8% · in line
FIS
Fidelity National Information Services, Inc.
Deeply undervalued
Technology Risk 27 · Moderate
Price$38.14
Model IV$97.34
P/IV0.44
Discount 61% Return to IV: +155.2%
Market implies -4.4%/yr vs model +10.0% · below model
FISV
FISERV INC
Deeply undervalued
Technology Risk 31 · Moderate
Price$51.58
Model IV$179.19
P/IV0.32
Discount 71% Return to IV: +247.4%
Market implies -7.3%/yr vs model +12.4% · below model
FLD
Fold Holdings, Inc.
Deeply overvalued
Financial Services Risk 57 · Elevated
Price$0.54
Model IV$0.23
P/IV4.29
Premium +141% Return to IV: -58.5%
Market implies +11.7%/yr vs model +15.0% · below model
FLYW
Flywire Corp
Deeply overvalued
Technology Risk 64 · High
Price$17.87
Model IV$6.40
P/IV2.51
Premium +179% Return to IV: -64.2%
Market implies +33.0%/yr vs model +25.0% · above model
FNGR
FingerMotion, Inc.
Deeply undervalued
Technology Risk 41 · Elevated
Price$0.15
Model IV$0.77
P/IV1.00
Discount 81% Return to IV: +432.8%
Market implies -34.4%/yr vs model +20.9% · below model
FOUR
Shift4 Payments, Inc.
Valuation N/A
Technology Risk 49 · Elevated
Price$45.05
Model IV—
P/IV—
Market implies -50.0%/yr vs model +25.0% · below model
GPN
GLOBAL PAYMENTS INC
Undervalued
Technology Risk 40 · Elevated
Price$88.98
Model IV$114.53
P/IV0.66
Discount 22% Return to IV: +28.7%
Market implies +2.2%/yr vs model +7.0% · below model
GRAB
Grab Holdings Ltd
Valuation N/A
Technology
Price$3.05
Model IV—
P/IV—
Limited data — see page
HKD
AMTD Digital Inc.
Deeply undervalued
Financial Services Risk 31 · Moderate
Price$1.69
Model IV$3.43
P/IV0.53
Discount 51% Return to IV: +103.2%
Market implies +3.7%/yr vs model +20.3% · below model
IDT
IDT CORP
Overvalued
Communication Services Risk 46 · Elevated
Price$70.51
Model IV$45.70
P/IV1.21
Premium +54% Return to IV: -35.2%
Market implies +5.1%/yr vs model +0.4% · above model
IIIV
i3 Verticals, Inc.
Deeply overvalued
Technology Risk 64 · High
Price$15.65
Model IV$8.37
P/IV2.43
Premium +87% Return to IV: -46.5%
Market implies +6.8%/yr vs model +2.0% · above model
IMXI
International Money Express, Inc.
Deeply undervalued
Technology Risk 46 · Elevated
Price$14.10
Model IV$55.06
P/IV0.27
Discount 74% Return to IV: +290.5%
Market implies -8.3%/yr vs model +12.7% · below model
INTU
INTUIT INC.
Deeply undervalued
Technology Risk 26 · Moderate
Price$321.57
Model IV$713.19
P/IV0.44
Discount 55% Return to IV: +121.8%
Market implies +0.3%/yr vs model +13.4% · below model
JFIN
Jiayin Group Inc.
Deeply undervalued
Financial Services Risk 30 · Moderate
Price$1.44
Model IV$11.73
P/IV0.37
Discount 88% Return to IV: +714.4%
Market implies -12.5%/yr vs model +25.0% · below model
JKHY
JACK HENRY & ASSOCIATES INC
Deeply undervalued
Technology Risk 27 · Moderate
Price$164.55
Model IV$248.29
P/IV0.55
Discount 34% Return to IV: +50.9%
Market implies +3.0%/yr vs model +9.9% · below model
JMIA
Jumia Technologies AG
Valuation N/A
Consumer Cyclical Risk 37 · Moderate
Price$7.45
Model IV—
P/IV—
Limited data — see page
KLAR
Klarna Group plc
Valuation N/A
Financial Services Risk 31 · Moderate
Price$13.83
Model IV—
P/IV—
Limited data — see page
KSPI
Joint Stock Co Kaspi.kz
Valuation N/A
Technology Risk 41 · Elevated
Price$98.76
Model IV—
P/IV—
Limited data — see page
LIFE
Ethos Technologies Inc.
Deeply overvalued
Financial Services Risk 54 · Elevated
Price$40.25
Model IV$11.23
P/IV1.68
Premium +259% Return to IV: -72.1%
Market implies +37.1%/yr vs model +25.0% · above model
LSAK
LESAKA TECHNOLOGIES INC
Deeply overvalued
Financial Services Risk 60 · High
Price$4.27
Model IV$1.36
P/IV3.60
Premium +214% Return to IV: -68.2%
LSPD
Lightspeed Commerce Inc.
Valuation N/A
Technology Risk 42 · Elevated
Price$10.11
Model IV—
P/IV—
Limited data — see page
LX
LexinFintech Holdings Ltd.
Deeply undervalued
Financial Services Risk 35 · Moderate
Price$0.79
Model IV$19.21
P/IV0.11
Discount 96% Return to IV: +2,321.4%
Market implies -50.0%/yr vs model +7.1% · below model
MELI
MERCADOLIBRE INC
Deeply undervalued
Technology Risk 32 · Moderate
Price$1,897.37
Model IV$5,908.70
P/IV0.29
Discount 68% Return to IV: +211.4%
Market implies +3.1%/yr vs model +25.0% · below model
MI
NFT Ltd
Valuation N/A
Financial Services Risk 42 · Elevated
Price$2.05
Model IV—
P/IV—
Market implies +28.3%/yr vs model +15.0% · above model
MQ
Marqeta, Inc.
Valuation N/A
Technology Risk 55 · Elevated
Price$16.33
Model IV—
P/IV—
Market implies +32.3%/yr vs model +7.0% · above model
NCPL
Netcapital Inc.
Valuation N/A
Financial Services Risk 33 · Moderate
Price$0.45
Model IV—
P/IV—
Market implies +40.2%/yr vs model +2.0% · above model
NEWT
NewtekOne, Inc.
Undervalued
Financial Services Risk 35 · Moderate
Price$12.17
Model IV$19.54
P/IV0.71
Discount 38% Return to IV: +60.6%
NEWTG
NewtekOne, Inc.
Fairly valued
Financial Services Risk 33 · Moderate
Price$25.21
Model IV$28.38
P/IV0.88
Discount 11% Return to IV: +12.6%
NEWTH
NewtekOne, Inc.
Fairly valued
Financial Services Risk 44 · Elevated
Price$25.28
Model IV$28.38
P/IV0.89
Discount 11% Return to IV: +12.3%
NEWTI
NewtekOne, Inc.
Fairly valued
Financial Services Risk 48 · Elevated
Price$25.24
Model IV$28.38
P/IV0.89
Discount 11% Return to IV: +12.5%
NEWTO
NewtekOne, Inc.
Deeply overvalued
Financial Services Risk 73 · High
Price$26.00
Model IV$16.89
P/IV1.52
Premium +54% Return to IV: -35.0%
NEWTP
NewtekOne, Inc.
Fairly valued
Financial Services Risk 33 · Moderate
Price$25.03
Model IV$28.38
P/IV0.87
Discount 12% Return to IV: +13.4%
NNI
NELNET INC
Deeply undervalued
Financial Services Risk 37 · Moderate
Price$127.31
Model IV$233.95
P/IV0.56
Discount 46% Return to IV: +83.8%
Market implies -3.5%/yr vs model +5.0% · below model
NU
Nu Holdings Ltd.
Valuation N/A
Financial Services
Price$14.62
Model IV—
P/IV—
Limited data — see page
OLB
OLB GROUP, INC.
Valuation N/A
Technology Risk 46 · Elevated
Price$0.28
Model IV—
P/IV—
Market implies -50.0%/yr vs model +50.0% · below model
OPFI
OppFi Inc.
Valuation N/A
Financial Services Risk 38 · Moderate
Price$7.98
Model IV—
P/IV—
Market implies -50.0%/yr vs model +13.2% · below model
PAGS
PagSeguro Digital Ltd.
Valuation N/A
Technology Risk 44 · Elevated
Price$10.12
Model IV—
P/IV—
Limited data — see page