Filtered library · Theme
Fintech & consumer credit theme · 27 dossiers
Dossiers in the Fintech & consumer credit theme cluster — 27 names moving on shared catalysts.
DormantLast produced 3 September 2026, 17 days ago — outside the 14-day window the model counts as current work.
All 27 are dated research with a published kill line — the level named in advance that would prove the call wrong.
All dossiers DAVE Dave Inc. fresh LOW Dave Inc.'s growth-and-credit-quality recovery case is invalidated by the September 18, 2026 weekly close of $337.82 below its published $358 boundary. JPMorgan's September 15 initiation adds favorable coverage but does not reverse that… SEZL Sezzle Inc. fresh LOW Sezzle's profitable-growth recovery thesis requires a daily close above $129.87 before a weekly close below $114 invalidates it. The 2026-09-18 adjusted close of $116.55 lost the August shelf again, reversing the intermediate repair… FBIZ First Business Financial Services, Inc. fresh MEDIUM First Business Financial Services’ earnings re-rating depends on Q3 sustaining its 3.78% margin and exceeding $19.8 million in pre-tax pre-provision earnings. The thesis fails on a weekly close below $68 or deterioration below those Q2… OPRT Oportun Financial Corporation MEDIUM Oportun Financial Corporation's margin-repair re-rating needs a weekly close above the $8.09 market high and Q3 results meeting its 2026-08-05 guidance. A weekly close below $7.00 or Q3 adjusted EBITDA below $43 million invalidates the… PMTS CPI Card Group Inc. MEDIUM Levered card manufacturer re-rating on cash generation: Q2 revenue $149.2M (+15%) with net leverage cut to 2.7x from 3.6x and FY free-cash-flow guidance lifted to $45–50M on 2026-08-06. Adjusted EBITDA grew just 7% against that 15% top… PYPL PayPal Holdings, Inc. MEDIUM PayPal's standalone turnaround rests on profit guidance reiterated on 2026-09-09 despite checkout pressure. The case plays out if the 2026-10-27 results preserve its approximately $5.38 annual adjusted earnings-per-share outlook before a… LPRO Open Lending Corporation fresh SUPREME Open Lending Corporation’s $3.15 cash-acquisition story concluded with ANV’s confirmed completion on 2026-07-30. The public-equity narrative remains closed unless an official reversal or documented restoration of trading reopens it. ACIW ACI Worldwide, Inc. MEDIUM Special-situation breakup narrative accelerating: Reuters (2026-07-17) reports ACI exploring a ~$1.5B sale of its Biller unit, which would surface sum-of-the-parts value and re-rate the faster-growing Payments Software segment. Q1 beat +… BILL BILL Holdings, Inc. MEDIUM BILL Holdings’ margin recovery needs customer stabilisation at the next quarterly report after the September 11 close erased August’s rebound. A weekly close above $52 before a weekly close below $44 would confirm the price-recovery case;… FIGR Figure Technology Solutions, Inc. fresh MEDIUM Figure Technology Solutions' Kiavi expansion needs Q3 marketplace volume to meet the $4.8–5.2 billion guidance excluding Kiavi while preserving Q2's 55% adjusted EBITDA margin. A weekly close below $30 or failure of either operating test… KMX CarMax Inc. fresh MEDIUM Turnaround re-rating went live in July: KMX broke the $50–$53 shelf to close $57.33 on 2026-07-17 (+17.2% in five sessions) after a Q1 FY27 blowout (EPS $1.31 vs ~$0.95, revenue $8.01B +6.2%), CEO Keith Barr buying 9,400 shares at $53.005… RELY Remitly Global, Inc. fresh MEDIUM Operating-leverage leg intact but stalling: since the 2026-08-05 Q2 raise to $1.978–1.988B / $410–415M, the only new information has been supply — a Form 4 dated 2026-08-26 shows CFO Mehta selling 25,000 shares at $26.15, one dated… SE Sea Limited fresh MEDIUM Three-engine re-acceleration — Shopee GMV +30%, Monee loan book +71%, Garena's best quarter in 5 years — drove a Q1 beat (2026-05-12) and a +19% one-month recovery off the $77 low. Fundamentally accelerating, but the stock is short-term… WEX WEX Inc. MEDIUM Hated fuel-card/fintech inflecting: the 2026-07-22 Q2 beat (Adj EPS $5.35 vs $5.05) and FY26 guide raise to $19.68-$20.08 discredit the EV-kills-fuel-cards and rate-cut-kills-float bear case; PTs jumped to $200-210 (Mizuho/KBW, 7/24).… AFRM Affirm Holdings, Inc. fresh LOW The +80%-off-March recovery re-rate has matured and rolled over: Morgan Stanley pulled its Overweight ('valuation call') on 2026-06-25, and price faded ~30% from the $100 high back onto the reclaimed 200-day near $70 while targets stayed… CHYM Chime Financial, Inc. fresh LOW Busted-IPO fintech: operations accelerating (Q1 rev +25% to $647M, first GAAP profit, FY guide raised to $2.66–2.69B) but the stock trades ~19% below its $27 IPO and bases near post-IPO lows — a compressed multiple, not an accelerating… DNUT Krispy Kreme, Inc. fresh LOW Krispy Kreme’s refranchising story requires cash generation and lower leverage, but its August recovery thesis was invalidated by the $3.02 weekly close on 2026-09-18 below the published $3.25 threshold. September promotions continued… ENVA Enova International, Inc. LOW Enova International’s credit-growth recovery requires a weekly close above $235.43 and Q3 confirmation of its raised growth outlook and credit resilience. A weekly close below $223 invalidates the case before that confirmation. FLYW Flywire Corporation Voting fresh LOW Flywire's execution re-rating requires Q3 growth confirmation and a recovery above the $19.54 market high. Growth above 16% excluding foreign-exchange effects and ancillary services, retention of full-year guidance, and a weekly close… FOUR Shift4 Payments, Inc. LOW Payments roll-up at ~$50, a hair above its $46.26 52-week low set on a 2026 guide-down. The Global Blue tax-free-shopping integration ("Shift4 One," launched 2026-07-14) is the transformation leg, but the 2026-07-30 Q2 print is the binary… GEN Gen Digital Inc. fresh LOW Gen Digital’s security-funded financial-services pivot supports a recovery thesis, tested by Q2 revenue against August’s guidance. The price case succeeds with a weekly close above the September 18 adjusted high of $31.41 before a weekly… GRND Grindr Inc. fresh LOW Grindr’s premium-subscription pivot underpins a recovery thesis, but EDGE monetization remains unmeasured. A daily close above $17.94 by 2026-09-30 would complete the recovery case; a weekly close below $14.50 or expiry without that… GTN Gray Media, Inc. LOW Gray Media's political-advertising and consolidation story needs Q3 guidance delivery and a weekly recovery above $5.00. A weekly close below $4.50 invalidates the remaining repricing thesis; Q3 revenue below management's $935 million… LAD Lithia Motors, Inc. LOW Lithia Motors’ finance-led re-rating requires dealership revenue to recover alongside lending income. The next quarterly results test that combination; a weekly close below $340 invalidates the price thesis. RPAY Repay Holdings Corporation fresh LOW The Visa-headline pop has round-tripped — $4.01 on 2026-08-21 back to $3.88 on 2026-09-04 — while the deal file stayed silent: the only company items since are an 2026-08-26 NxtEdge AP partnership and a 2026-09-03 IR hire, leaving… VAC Marriott Vacations Worldwide Corporation fresh LOW Marriott Vacations Worldwide’s earnings-led re-rating failed its $106 weekly price test at the 2026-09-11 close of $103.59. The next quarterly results must establish whether the operating recovery still supports the $805–830 million… WRLD World Acceptance Corporation LOW World Acceptance Corporation’s credit-recovery and repurchase thesis needs Q2 revenue above $139.2 million with delinquency no higher than June’s readings. Those results would confirm the operating case if they arrive before a weekly close…