Stocks · Theme
Fintech, payments & credit stocks · 43 research notes
43 Fintech, payments & credit stocks moving on the same story, each with a dated research note: thesis, kill line and next catalyst.
Active themeStage: saturated, as of 15 November 2026.
All 43 have a dated research note with a published kill line: the note's own test, stated in advance, of what would prove it wrong: a price level, a business fact, or both.
All stocksCHYMChime FinancialMedium Chime Financial's revenue growth sped up to 32% and its 2026 outlook rose a third time, giving the shares a modest edge over the S&P 500 over three months; the fourth-quarter 2026 report, against a $757–767 million forecast, settles it.CVNACarvanaMedium Carvana is taking share in a flat used-car market, with third-quarter retail units up 39% and more units guided for the fourth quarter. The February 2027 report shows whether volume growth outruns falling profit per car.EVEREverQuoteMedium EverQuote's third-quarter revenue of $218.1 million and adjusted EBITDA of $35.5 million beat the top of its guidance, giving the shares a modest edge over the S&P 500; the fourth-quarter report shows whether profit holds within a lower…FISVFiservMedium Fiserv's revenue decline has levelled off and management is cutting costs and selling or shutting weak units; the fourth-quarter report, expected around February 2027, settles whether Merchant Solutions returns to its guided 6% to 8%…GENGen DigitalMedium Gen Digital's raised fiscal 2027 outlook and its step back from a large GoDaddy deal give the shares a modest edge over the S&P 500; the Q3 FY27 report in early 2027 tests the $5.465–5.515 billion revenue range.GPNGlobal PaymentsMedium Global Payments trades on a reported $40 billion CD&R and GTCR buyout, and nine brokers raised targets after in-line third-quarter results on 5 November 2026; a signed deal at a premium, or word that talks have ended, settles the case.INTUIntuitMedium Intuit's shares hold a modest edge over the S&P 500 as AI agents, Credit Karma Tax and the Sequence deal target price-driven customer losses; the 19 November 2026 fiscal Q1 report settles it against the $4.294–$4.313 billion revenue guide.MAMastercardMedium Mastercard's card network and faster-growing services keep revenue rising at low double digits, giving its shares a modest edge over the S&P 500; the 16 November 2026 settlement hearing and the late-January report with 2027 guidance settle…MAXMediaAlphaMedium MediaAlpha's shares are modestly more likely than not to beat the S&P 500 over three months because insurers keep raising ad spending on its marketplace, shown by its 28 October 2026 beat and an 84% rise in home ad spend. The…OPRTOportun FinancialMedium Oportun Financial's Q3 2026 beat and raised full-year guidance put its profit recovery on firmer ground as lending grows again; the Q4 report, expected around March 2027, tests whether $49–$54 million of adjusted EBITDA and an 11.05%…SEZLSezzleMedium Sezzle's third-quarter beat, with credit-loss provisions at 2.7% of transaction volume, 955,000 subscribers and a $7.20 2027 EPS target, gives Sezzle Inc. shares a modest edge over the S&P 500. Fourth-quarter credit, reported around late…TREELendingTreeMedium LendingTree's insurance-led growth, falling debt and first planned buyback since 2022 give its shares a modest edge over the S&P 500 even after they gave back part of the post-report rally. The fourth-quarter report settles whether the…UPBDUpbound GroupMedium Upbound Group's tighter Acima lending is lifting profit and cash flow as lease volume shrinks, Brigit adds growth, and executives kept buying stock; the late-February 2027 Q4 report shows whether Acima volume levels off as guided.AFRMAffirm HoldingsLow Affirm Holdings' shares are more likely to lag the S&P 500: growth beat in the 5 November 2026 report, but delinquency rose to 2.9% and funding costs climbed. The February 2027 holiday-quarter report shows whether credit steadies.AXPAmerican ExpressLow American Express shares are more likely to lag the S&P 500 over the next three months, as card spending growth slowed to 8% and the 2026 guidance raise rests on a one-time gain; the fourth-quarter report and 2027 outlook, expected in late…BETRBetter Home & Finance HoldingLow Better Home & Finance shares are more likely to lag the S&P 500 over three months: volume fell from $496 million in July to $345 million in October and cash is shrinking. The weekly Better 2.0 scorecards will show whether the cost cuts…FIGRFigure Technology SolutionsLow Figure Technology Solutions shares are more likely to lag the S&P 500 because the company guided its fourth-quarter take rate down to 3.1%–3.4% on 12 November 2026 despite beating forecasts; operating data expected around 7 January 2027…LIFEEthos TechnologiesLow Ethos Technologies' shares look more likely to lag the S&P 500: record third-quarter growth came from the short-seller-disputed agency channel while receivables and insider sales kept rising. The next customer-concentration disclosure and…LMNDLemonadeLow Lemonade's shares are more likely to lag the S&P 500 as a 65% loss ratio and a new S-3 registration offset its Q4 2026 profit target; the 17 November 2026 investor day and Q4 results settle it.NRDSNerdWalletLow NerdWallet's shares are more likely to lag the S&P 500: its 5 November 2026 outlook guided fourth-quarter revenue down 13% with no fix date for auto insurance. The fourth-quarter report, estimated for late February 2027, shows whether 2027…NUNu HoldingsLow Nu Holdings shares are more likely to lag the S&P 500 over the next three months, as rising 90-day delinquencies and a post-election Brazil discount outweigh record profit. The 8 December 2026 Investor Day is the next test of that view.SOFISoFi TechnologiesLow SoFi Technologies' shares are more likely to lag the S&P 500 after a hot October inflation report made a December Fed hike near-certain, despite a 2027 outlook above consensus. The 9 December 2026 Fed decision and the fourth-quarter report…UPSTUpstart HoldingsLow Upstart Holdings is more likely to lag the S&P 500 over the next three months: it cut its 2026 outlook and October lending slowed. November originations and the fourth-quarter report will show whether the slowdown deepens or reverses.VVisaLow Visa's shares are more likely to trail the S&P 500 than lead it over three months: at about 34 times trailing earnings the price reflects the franchise, while Visa's fiscal 2027 outlook slows earnings growth in a heavy contract-renewal…PMTSCPI Card GroupMedium CPI Card Group is more likely to beat the S&P 500 over three months: card-manufacturing cash is cutting its 10% debt, and 2026 free cash flow is guided to $50–55 million. The fourth-quarter report, expected around early March 2027, settles…PYPLPayPal HoldingsMedium PayPal's cost cuts and buybacks, which lifted its 2026 adjusted EPS outlook to about $5.60, leave the shares modestly more likely to beat the S&P 500 over three months; the fourth-quarter report around 2 February 2027 settles it.RELYRemitly GlobalMedium Remitly Global's Q3 adjusted EBITDA of $120.8M beat its $92–94M guide and full-year guidance rose, so the shares are modestly more likely than not to beat the S&P 500; the Q4 report settles whether margins hold.RSKDRiskifiedMedium Riskified's third-quarter beat and third guidance raise make its shares modestly more likely than not to beat the S&P 500: revenue rose 41% to $115.2 million and 2026 guidance rose to $427–433 million. Gross margin, down to 43% from 50%,…WEXMedium WEX Inc. is more likely to beat the S&P 500 over three months on organic fuel-card growth and share repurchases, though fuel prices drove much of its 28 October 2026 beat; the fourth-quarter report, estimated for early February 2027, shows…DAVELow Dave Inc. is more likely to lag the S&P 500 over three months: the shares closed at $267.37 on 12 November 2026 despite a third-quarter beat and raised outlook, as DOJ/FTC and subpoena headlines weigh; a court ruling or the fourth-quarter…EFXEquifaxLow Equifax shares are more likely to lag the S&P 500 over the next three months: the October rebound already prices in 8% non-mortgage growth, and FHFA's pending bi-merge ruling and the February 2027 guidance settle the case.ENVAEnova InternationalLow Enova International's shares are more likely to lag the S&P 500 after breaking below their September low on 6 November 2026, despite a third-quarter growth beat and a new $500 million buyback; fourth-quarter charge-offs against the third…FOURShift4 PaymentsLow Shift4 Payments' growth recovery stalled on 5 November 2026 (organic growth 9%, guidance cut again), so the shares are more likely to lag the S&P 500; the early-2027 fourth-quarter report decides whether record cash flow and buybacks carry…INTRInterLow Inter & Co.'s shares are more likely to lag the S&P 500 over three months: profit grew 26% in the 12 November 2026 report, but late overdue loans rose to 5.3% and Brazilian rates and the real set the price. The fourth-quarter report,…KMXCarMaxLow CarMax's 3 November 2026 Shift into GEAR plan holds profit per car flat rather than restoring it, so earnings growth must come from volume, costs and buybacks. The quarter ending 30 November 2026 is the first results test; the shares look…MQMarqetaLow Marqeta's revenue growth is slowing to 3–5% and Cash App issuance will shrink further in 2027, so the shares are more likely to lag the S&P 500; the 2027 outlook due in February settles whether gross profit growth recovers.PAGSPagSeguro DigitalLow PagSeguro Digital's shares are more likely to lag the S&P 500, with payments growth stalled, overdue loans rising and Citigroup and UBS at Neutral with $8 targets. The 16 November 2026 third-quarter report tests whether volume and credit…PAYPaymentus HoldingsLow Paymentus, the bill-payment processor, is more likely to lag the S&P 500 over three months: third-quarter revenue growth slowed to 19.8% despite a profit beat, and the fourth-quarter report, expected near late February 2027, settles…PAYSPaysignLow Paysign's shares are more likely to lag the S&P 500 over three months because the loss of 113 plasma centers outweighs its third-quarter beat. The fourth-quarter report, expected in early March 2027, shows whether new copay programs and…RPAYRepay HoldingsLow Repay Holdings' Q3 report on 9 November 2026 beat estimates, but the core consumer segment grew 0.3% organically and growth and cash-conversion targets were cut. The 7 December 2026 Investor Day shows whether management can restore the…SESeaLow Sea Limited's Q3 report on 10 November 2026 beat on revenue and showed Shopee profit rising, but Monee's bad-loan ratio rose to 1.3% and EPS missed, so a rebound from $76.80 is unproven. The Q4 report, due around March 2027, settles…STNEStoneCoLow StoneCo's shares are more likely to lag the S&P 500 over three months: its over-90-day loan-loss ratio rose to 9.92% in the third quarter and adjusted gross profit fell 8.0%, despite a raised 2026 earnings outlook. Brazil's late-January…WRLDWorld AcceptanceLow World Acceptance's shares are more likely to lag the S&P 500 over three months: the 23 October 2026 report showed delinquency rising to 18.9% and revenue flat at $139.2 million, and the shares have fallen further since. The fiscal…