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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
38 /100 Moderate ▲ +1 slight
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.
50 Elevated
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.
55.0%
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%.
52%
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%.
32%
Moderate
Black number = the raw figure; coloured bar & word = how it reads as risk. Insider inputs from 62 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.
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…
PAXH
PREAXIA HEALTH CARE PAYMENT SYSTEMS INC.
Valuation N/A
Consumer Cyclical Risk 39 · Moderate
Price$0.22
Model IV—
P/IV—
Market implies +150.0%/yr vs model +15.0% · above model
PAYP
PayPay Corp
Valuation N/A
Technology Risk 58 · Elevated
Price$18.68
Model IV—
P/IV—
Limited data — see page
PAYS
Paysign, Inc.
Undervalued
Technology Risk 26 · Moderate
Price$13.01
Model IV$17.90
P/IV0.41
Discount 27% Return to IV: +37.6%
Market implies +12.8%/yr vs model +24.0% · below model
PHR
Phreesia, Inc.
Deeply undervalued
Technology Risk 39 · Moderate
Price$10.31
Model IV$41.42
P/IV0.24
Discount 75% Return to IV: +301.8%
Market implies -27.4%/yr vs model +21.7% · below model
PMTS
CPI Card Group Inc.
Deeply undervalued
Communication Services Risk 37 · Moderate
Price$22.50
Model IV$39.95
P/IV0.42
Discount 44% Return to IV: +77.6%
Market implies -3.2%/yr vs model +9.2% · below model
PRTH
Priority Technology Holdings, Inc.
Deeply undervalued
Technology Risk 34 · Moderate
Price$5.94
Model IV$12.42
P/IV0.51
Discount 52% Return to IV: +109.0%
Market implies -0.3%/yr vs model +15.3% · below model
PSFE
Paysafe Ltd
Valuation N/A
Technology Risk 62 · High
Price$6.34
Model IV—
P/IV—
Market implies -29.1%/yr vs model +3.4% · below model
RELY
Remitly Global, Inc.
Fairly valued
Technology Risk 35 · Moderate
Price$22.25
Model IV$25.84
P/IV0.77
Discount 14% Return to IV: +16.1%
Market implies +16.9%/yr vs model +25.0% · below model
RKT
Rocket Companies, Inc.
Valuation N/A
Financial Services Risk 62 · High
Price$13.18
Model IV—
P/IV—
Market implies +59.6%/yr vs model +0.0% · above model
RPAY
Repay Holdings Corp
Valuation N/A
Technology Risk 40 · Elevated
Price$3.78
Model IV—
P/IV—
Market implies +98.2%/yr vs model +9.0% · above model
RSKD
RISKIFIED LTD.
Fairly valued
Technology Risk 36 · Moderate
Price$6.09
Model IV$5.07
P/IV0.96
Premium +20% Return to IV: -16.8%
Market implies -0.1%/yr vs model +10.7% · below model
RVI
Robinhood Ventures Fund I
Valuation N/A
Unknown
Price$28.28
Model IV—
P/IV—
Limited data — see page
SE
Sea Ltd
Undervalued
Technology Risk 31 · Moderate
Price$102.65
Model IV$137.58
P/IV0.66
Discount 25% Return to IV: +34.0%
Market implies +8.7%/yr vs model +16.5% · below model
SHOP
SHOPIFY INC.
Deeply overvalued
Technology Risk 55 · Elevated
Price$133.89
Model IV$24.63
P/IV4.82
Premium +444% Return to IV: -81.6%
Market implies +42.9%/yr vs model +21.7% · above model
STNE
StoneCo Ltd.
Valuation N/A
Technology
Price$10.10
Model IV—
P/IV—
Limited data — see page
SURG
SurgePays, Inc.
Valuation N/A
Communication Services Risk 69 · High
Price$0.15
Model IV—
P/IV—
Market implies -50.0%/yr vs model +2.8% · below model
TASK
TaskUs, Inc.
Undervalued
Technology Risk 45 · Elevated
Price$8.14
Model IV$10.14
P/IV0.62
Discount 20% Return to IV: +24.5%
Market implies +5.3%/yr vs model +11.8% · below model
TBBK
Bancorp, Inc.
Deeply overvalued
Financial Services Risk 68 · High
Price$50.63
Model IV$27.13
P/IV2.03
Premium +87% Return to IV: -46.4%
TFIN
Triumph Financial, Inc.
Deeply overvalued
Financial Services Risk 68 · High
Price$66.07
Model IV$24.78
P/IV2.88
Premium +167% Return to IV: -62.5%
TGL
TREASURE GLOBAL INC
Valuation N/A
Technology Risk 33 · Moderate
Price$2.73
Model IV—
P/IV—
Market implies +32.8%/yr vs model +2.0% · above model
THRY
Thryv Holdings, Inc.
Undervalued
Technology Risk 40 · Elevated
Price$1.79
Model IV$5.17
P/IV0.75
Discount 65% Return to IV: +188.7%
Market implies -27.3%/yr vs model -2.3% · below model
TIGR
UP Fintech Holding Ltd
Fairly valued
Financial Services Risk 41 · Elevated
Price$4.83
Model IV$4.62
P/IV1.11
Premium +5% Return to IV: -4.3%
Market implies +15.4%/yr vs model +18.7% · below model
TOST
Toast, Inc.
Fairly valued
Technology Risk 51 · Elevated
Price$32.12
Model IV$23.17
P/IV1.12
Premium +39% Return to IV: -27.9%
Market implies +23.6%/yr vs model +25.0% · in line
TROO
Troops, Inc. /Cayman Islands/
Valuation N/A
Financial Services Risk 40 · Elevated
Price$2.09
Model IV—
P/IV—
Market implies +15.8%/yr vs model +46.8% · below model
TTAN
ServiceTitan, Inc.
Deeply overvalued
Technology Risk 49 · Elevated
Price$54.68
Model IV$43.67
P/IV1.87
Premium +25% Return to IV: -20.1%
Market implies +2.6%/yr vs model +27.1% · below model
USIO
Usio, Inc.
Valuation N/A
Financial Services Risk 40 · Elevated
Price$2.37
Model IV—
P/IV—
Limited data — see page
V
VISA INC.
Valuation N/A
Technology
Price$370.45
Model IV—
P/IV—
Limited data — see page
VCX
Fundrise Innovation Fund, LLC
Valuation N/A
Unknown
Price$33.50
Model IV—
P/IV—
Limited data — see page
VYX
NCR Voyix Corp
Deeply undervalued
Technology Risk 45 · Elevated
Price$8.55
Model IV$13.07
P/IV0.55
Discount 35% Return to IV: +52.8%
Market implies -5.6%/yr vs model +2.0% · below model
WEAV
Weave Communications, Inc.
Undervalued
Technology Risk 29 · Moderate
Price$7.31
Model IV$8.12
P/IV0.74
Discount 10% Return to IV: +11.1%
Market implies -2.1%/yr vs model +19.8% · below model
WEX
WEX Inc.
Overvalued
Technology Risk 40 · Elevated
Price$191.52
Model IV$151.79
P/IV0.96
Premium +26% Return to IV: -20.7%
Market implies +13.5%/yr vs model +13.4% · in line
WIX
Wix.com Ltd.
Deeply undervalued
Technology Risk 31 · Moderate
Price$76.58
Model IV$106.92
P/IV0.52
Discount 28% Return to IV: +39.6%
Market implies +5.4%/yr vs model +12.0% · below model
WYFI
WhiteFiber, Inc.
Valuation N/A
Financial Services Risk 42 · Elevated
Price$17.59
Model IV—
P/IV—
Market implies +29.1%/yr vs model +50.0% · below model
XYF
X Financial
Deeply undervalued
Financial Services Risk 26 · Moderate
Price$5.06
Model IV$23.34
P/IV0.21
Discount 78% Return to IV: +361.3%
Market implies -8.0%/yr vs model +18.8% · below model
XYZ
Block, Inc.
Deeply overvalued
Technology Risk 56 · Elevated
Price$79.49
Model IV$24.08
P/IV3.14
Premium +230% Return to IV: -69.7%
Market implies +25.5%/yr vs model +9.3% · above model
ZSQR
Z Squared Inc.
Valuation N/A
Financial Services Risk 37 · Moderate
Price$3.07
Model IV—
P/IV—
Market implies +15.3%/yr vs model +50.0% · below model