Fintech & payments
Card networks, payment processing, digital wallets, and app-based banking, lending and investing.
Cash and paper are giving way to cards, digital wallets and app-based finance. This theme covers card networks, payment processors, and the companies offering banking, lending and investing through apps.
Companies
130
Core
102
With a moat
46%
Average quality
43
10 wide moat · 50 narrow moat · 70 no moat · Open in screener →
Core The theme describes the company's main business. Partial A meaningful part of the business, but not the main one.
Companies
| Company | Exposure | Industry | Moat | Quality | Market cap |
|---|---|---|---|---|---|
| V VISA INC. | Core | Payments & Fintech | Wide | 79 | $793.8B |
| MA Mastercard Inc | Core | Payments & Fintech | Wide | 78 | $540.0B |
| AXP AMERICAN EXPRESS CO | Core | Payments & Fintech | Wide | 73 | $213.7B |
| MELI MERCADOLIBRE INC | Core | E-commerce & Online Marketplaces | Wide | 61 | $92.5B |
| HOOD Robinhood Markets, Inc. | Core | Brokers & Investment Banks | Narrow | 56 | $86.8B |
| NU Nu Holdings Ltd. | Core | Large & International Banks | Narrow | 64 | $58.1B |
| PYPL PayPal Holdings, Inc. | Core | Payments & Fintech | Narrow | 62 | $48.3B |
| XYZ Block, Inc. | Core | Payments & Fintech | Narrow | 52 | $46.6B |
| IBKR Interactive Brokers Group, Inc. | Core | Brokers & Investment Banks | Wide | 89 | $36.9B |
| CPAY CORPAY, INC. | Core | Payments & Fintech | Narrow | 63 | $26.4B |
| AFRM Affirm Holdings, Inc. | Core | Payments & Fintech | None | 33 | $24.6B |
| GPN GLOBAL PAYMENTS INC | Core | Payments & Fintech | Narrow | 56 | $22.4B |
| FIS Fidelity National Information Services, Inc. | Core | Payments & Fintech | Narrow | 42 | $18.6B |
| SOFI SoFi Technologies, Inc. | Core | Consumer & Specialty Finance | None | 32 | $18.5B |
| TOST Toast, Inc. | Core | Payments & Fintech | Narrow | 44 | $18.2B |
| FUTU Futu Holdings Ltd | Core | Brokers & Investment Banks | Narrow | 66 | $14.7B |
| CHYM Chime Financial, Inc. | Core | Consumer & Specialty Finance | Narrow | 41 | $11.2B |
| WSE Wise Group plc | Core | Payments & Fintech | Narrow | 63 | $11.2B |
| JKHY JACK HENRY & ASSOCIATES INC | Core | Payments & Fintech | Wide | 78 | $10.7B |
| KLAR Klarna Group plc | Core | Payments & Fintech | None | 19 | $7.4B |
| FINV FinVolution Group | Core | Consumer & Specialty Finance | None | 54 | $6.4B |
| WEX WEX Inc. | Core | Payments & Fintech | Narrow | 55 | $6.2B |
| FIGR Figure Technology Solutions, Inc. | Core | Consumer & Specialty Finance | Narrow | 47 | $5.8B |
| ACIW ACI WORLDWIDE, INC. | Core | Payments & Fintech | Narrow | 63 | $5.3B |
| RELY Remitly Global, Inc. | Core | Payments & Fintech | Narrow | 44 | $5.2B |
| AX Axos Financial, Inc. | Core | Regional Banks & Thrifts | None | 62 | $5.0B |
| DAVE Dave Inc./DE | Core | Consumer & Specialty Finance | None | 64 | $4.6B |
| ENVA Enova International, Inc. | Core | Consumer & Specialty Finance | None | 46 | $4.4B |
| SEZL Sezzle Inc. | Core | Payments & Fintech | None | 62 | $4.3B |
| PAY Paymentus Holdings, Inc. | Core | Payments & Fintech | Narrow | 60 | $4.0B |
| BILL BILL Holdings, Inc. | Core | Payments & Fintech | Narrow | 44 | $3.9B |
| QTWO Q2 Holdings, Inc. | Core | Software | Narrow | 50 | $3.9B |
| DLO dLocal Ltd | Core | Payments & Fintech | Narrow | 67 | $3.4B |
| ETOR eToro Group Ltd. | Core | Brokers & Investment Banks | None | 38 | $3.3B |
| STNE StoneCo Ltd. | Core | Payments & Fintech | Narrow | 33 | $3.3B |
| FOUR Shift4 Payments, Inc. | Core | Payments & Fintech | Narrow | 43 | $3.1B |
| BULL Webull Corp | Core | Brokers & Investment Banks | None | 32 | $3.1B |
| PAGS PagSeguro Digital Ltd. | Core | Payments & Fintech | Narrow | 48 | $2.8B |
| INTR Inter & Co, Inc. | Core | Regional Banks & Thrifts | None | 54 | $2.5B |
| NYAX Nayax Ltd. | Core | Software | None | 34 | $2.5B |
| EEFT EURONET WORLDWIDE, INC. | Core | Payments & Fintech | Narrow | 52 | $2.4B |
| PAYO Payoneer Global Inc. | Core | Payments & Fintech | None | 39 | $2.4B |
| UPST Upstart Holdings, Inc. | Core | Consumer & Specialty Finance | None | 14 | $2.3B |
| FLYW Flywire Corp | Core | Payments & Fintech | Narrow | 42 | $2.2B |
| NCNO nCino, Inc. | Core | Software | Narrow | 47 | $2.2B |
| TBBK Bancorp, Inc. | Core | Regional Banks & Thrifts | None | 64 | $2.0B |
| MQ Marqeta, Inc. | Core | Payments & Fintech | Narrow | 45 | $1.9B |
| WU Western Union CO | Core | Payments & Fintech | None | 40 | $1.9B |
| WLTH WEALTHFRONT CORP | Core | Consumer & Specialty Finance | None | 31 | $1.6B |
| LOB Live Oak Bancshares, Inc. | Core | Regional Banks & Thrifts | Narrow | 57 | $1.6B |
| CASH PATHWARD FINANCIAL, INC. | Core | Regional Banks & Thrifts | None | 66 | $1.5B |
| ALKT ALKAMI TECHNOLOGY, INC. | Core | Payments & Fintech | Narrow | 41 | $1.5B |
| EVTC EVERTEC, Inc. | Core | Payments & Fintech | Narrow | 60 | $1.4B |
| LSPD Lightspeed Commerce Inc. | Core | Payments & Fintech | Narrow | 22 | $1.4B |
| ATLC Atlanticus Holdings Corp | Core | Consumer & Specialty Finance | None | 41 | $1.4B |
| PGY Pagaya Technologies Ltd. | Core | Consumer & Specialty Finance | None | 48 | $1.3B |
| VYX NCR Voyix Corp | Core | Computer Hardware & Storage | None | 19 | $1.1B |
| PAYS Paysign, Inc. | Core | Payments & Fintech | None | 40 | $867M |
| MITK MITEK SYSTEMS INC | Core | Computer Hardware & Storage | Narrow | 47 | $754M |
| LU Lufax Holding Ltd | Core | Consumer & Specialty Finance | None | 11 | $754M |
| TIGR UP Fintech Holding Ltd | Core | Brokers & Investment Banks | Narrow | 71 | $722M |
| PAR PAR TECHNOLOGY CORP | Core | Computer Hardware & Storage | Narrow | 27 | $719M |
| CASS CASS INFORMATION SYSTEMS INC | Core | Payments & Fintech | Narrow | 61 | $701M |
| GDOT GREEN DOT CORP | Core | Consumer & Specialty Finance | None | 30 | $690M |
| QFIN Qfin Holdings, Inc. | Core | Consumer & Specialty Finance | None | 67 | $680M |
| PRTH Priority Technology Holdings, Inc. | Core | Payments & Fintech | None | 32 | $646M |
| CCB COASTAL FINANCIAL CORP | Core | Regional Banks & Thrifts | None | 51 | $644M |
| VBNK VersaBank | Core | Regional Banks & Thrifts | None | 50 | $600M |
| FDCT FDCTECH, INC. | Core | Software | None | 39 | $490M |
| OPFI OppFi Inc. | Core | Consumer & Specialty Finance | None | 48 | $475M |
| IIIV i3 Verticals, Inc. | Core | Payments & Fintech | Narrow | 35 | $446M |
| LSAK LESAKA TECHNOLOGIES INC | Core | Payments & Fintech | None | 26 | $402M |
| LPRO Open Lending Corp | Core | Consumer & Specialty Finance | None | 30 | $371M |
| PSFE Paysafe Ltd | Core | Payments & Fintech | None | 28 | $365M |
| RPAY Repay Holdings Corp | Core | Payments & Fintech | Narrow | 40 | $364M |
| IMXI International Money Express, Inc. | Core | Payments & Fintech | Narrow | 50 | $291M |
| BLND Blend Labs, Inc. | Core | Software | None | 29 | $237M |
| EXFY Expensify, Inc. | Core | Software | None | 38 | $227M |
| INBK First Internet Bancorp | Core | Regional Banks & Thrifts | None | 33 | $224M |
| CURR Currenc Group Inc. | Core | Payments & Fintech | None | 18 | $220M |
| BETR Better Home & Finance Holding Co | Core | Consumer & Specialty Finance | None | 2 | $201M |
| XYF X Financial | Core | Consumer & Specialty Finance | None | 54 | $200M |
| FINW Finwise Bancorp | Core | Regional Banks & Thrifts | None | 29 | $147M |
| RTB RYVYL Inc. | Core | Consumer & Specialty Finance | None | 18 | $107M |
| LX LexinFintech Holdings Ltd. | Core | Consumer & Specialty Finance | None | 49 | $106M |
| USIO Usio, Inc. | Core | Payments & Fintech | None | 26 | $82M |
| BCRD BlueOne Card, Inc. | Core | Payments & Fintech | None | 8 | $80M |
| NTWK NETSOL TECHNOLOGIES INC | Core | Software | None | 41 | $79M |
| JFIN Jiayin Group Inc. | Core | Consumer & Specialty Finance | None | 54 | $72M |
| RPMT REGO PAYMENT ARCHITECTURES, INC. | Core | Payments & Fintech | None | 4 | $68M |
| YRD Yiren Digital Ltd. | Core | Consumer & Specialty Finance | None | 31 | $66M |
| ASFH ASIAFIN HOLDINGS CORP. | Core | Internet & Interactive Media | None | 28 | $40M |
| KPLT Katapult Holdings, Inc. | Core | Payments & Fintech | None | 7 | $36M |
| FLD Fold Holdings, Inc. | Core | Digital Assets & Crypto | None | 20 | $28M |
| BLNE Beeline Holdings, Inc. | Core | Consumer & Specialty Finance | None | 20 | $24M |
| UPYY UPAY | Core | Software | None | 11 | $16M |
| NCPL Netcapital Inc. | Core | Consumer & Specialty Finance | None | 26 | $16M |
| OLB OLB GROUP, INC. | Core | Payments & Fintech | None | 15 | $11M |
| APCX AppTech Payments Corp. | Core | Payments & Fintech | None | 26 | $6M |
| GBUX GIVBUX, INC. | Core | Payments & Fintech | None | 14 | $5M |
| KCRD Kindcard, Inc. | Core | Specialty Retail | None | 27 | $3M |
| LGHL Lion Group Holding Ltd | Core | Brokers & Investment Banks | None | 22 | $1M |
| SHOP SHOPIFY INC. | Partial | Software | Wide | 60 | $199.4B |
| COF CAPITAL ONE FINANCIAL CORP | Partial | Large & International Banks | Narrow | 43 | $122.6B |
| USB US BANCORP DE | Partial | Large & International Banks | Narrow | 58 | $90.1B |
| ICE Intercontinental Exchange, Inc. | Partial | Exchanges & Financial Data | Wide | 66 | $88.9B |
| INTU INTUIT INC. | Partial | Software | Wide | 75 | $87.0B |
| SE Sea Ltd | Partial | E-commerce & Online Marketplaces | Narrow | 49 | $54.8B |
| NDAQ NASDAQ, INC. | Partial | Exchanges & Financial Data | Wide | 65 | $52.1B |
| VOD VODAFONE GROUP PUBLIC LTD CO | Partial | Telecom & Cable | Narrow | 41 | $27.7B |
| TIGO MILLICOM INTERNATIONAL CELLULAR SA | Partial | Telecom & Cable | Narrow | 57 | $16.2B |
| GRAB Grab Holdings Ltd | Partial | E-commerce & Online Marketplaces | Narrow | 27 | $12.6B |
| ALLY Ally Financial Inc. | Partial | Regional Banks & Thrifts | Narrow | 41 | $11.4B |
| APPF APPFOLIO INC | Partial | Payments & Fintech | Narrow | 69 | $7.5B |
| TTAN ServiceTitan, Inc. | Partial | Software | Narrow | 45 | $7.5B |
| NAVN Navan, Inc. | Partial | Travel & Leisure | Narrow | 35 | $6.7B |
| VEON VEON Ltd. | Partial | Telecom & Cable | None | 45 | $6.1B |
| CUBI Customers Bancorp, Inc. | Partial | Regional Banks & Thrifts | None | 44 | $2.5B |
| BLKB BLACKBAUD INC | Partial | Payments & Fintech | Narrow | 50 | $2.4B |
| IDT IDT CORP | Partial | Telecom & Cable | Narrow | 55 | $2.0B |
| RBCAA REPUBLIC BANCORP INC /KY/ | Partial | Regional Banks & Thrifts | None | 59 | $1.8B |
| EVCM EverCommerce Inc. | Partial | Payments & Fintech | Narrow | 46 | $1.7B |
| TFIN Triumph Financial, Inc. | Partial | Regional Banks & Thrifts | None | 45 | $1.5B |
| ESQ Esquire Financial Holdings, Inc. | Partial | Regional Banks & Thrifts | None | 54 | $1.4B |
| DLX DELUXE CORP | Partial | Commercial & Environmental Services | None | 35 | $1.0B |
| UPBD UPBOUND GROUP, INC. | Partial | Consumer & Specialty Finance | None | 34 | $932M |
| MVBF MVB FINANCIAL CORP | Partial | Regional Banks & Thrifts | None | 37 | $378M |
| PSQH PSQ Holdings, Inc. | Partial | Media, Publishing & Advertising | None | 18 | $11M |
| SURG SurgePays, Inc. | Partial | Telecom & Cable | None | 9 | $6M |
| CUEN Cuentas Inc. | Partial | Telecom & Cable | None | 5 | $5M |
130 companies.
Price versus fair value for every company is in the screener.