Filtered library · Theme
Fintech & consumer credit theme · 36 dossiers
Dossiers in the Fintech & consumer credit theme cluster — 36 names moving on shared catalysts.
Theme runProduced by the theme run on 3 September 2026, maturing.
All 36 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 story supports a recovery case, completed by a weekly close above the September 3 reference close of $390.86 before a weekly close below $358 invalidates it. The September 9, 2026 close of $361.88… SEZL Sezzle Inc. fresh LOW Sezzle's recovery thesis is that profitable growth can repair its post-earnings price structure. A daily close above the 2026-08-17 recovery level of $129.87 would establish the case before a weekly close below $114 invalidates it; the… FBIZ First Business Financial Services, Inc. MEDIUM Post-2026-07-30 re-rating in a micro-cap Wisconsin business bank: Q2 EPS $1.84 vs $1.54 consensus, NIM +22bp to 3.78%, record $19.8M pre-provision earnings, followed by target raises to $74 (KBW), $80 (DA Davidson) and $84 (Piper). Shares… LMND Lemonade, Inc. MEDIUM The $50 shelf has held six weeks: $53.14 on 2026-09-02, RSI(14) 50.6, three reference closes since 2026-08-21 inside a $0.41 band. The state cadence restarted — Florida car 2026-08-26, Kansas renters 2026-09-01, Missouri car plus… LTH Life Time Group Holdings, Inc. MEDIUM Premium-club compounder re-rating as the 2021-IPO sponsors clear out: comps +9.1% and FY2026 guidance raised on 2026-07-30, then Leonard Green placed 5.1M shares at $43.16 on 2026-08-10 and dropped below 5%. Price now sits on that… MANE Veradermics, Incorporated MEDIUM Extended-release oral minoxidil story: Study '302' showed +30.3/+33.0 hairs/cm² vs +7.3 placebo at Month 6 (2026-04-27, p<0.0001), and the confirmatory Study '304' topline guided to 2H26 is the binary. The 2026-09-04 close of $98.51 sits… 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 The takeover leg is dead — Advent/Stripe walked on 2026-08-28 and the stock broke 12.71% to $53.66 — leaving a standalone legacy-payments turnaround on the raised FY26 guide (~$5.38 adj EPS, ~$15.6B transaction-margin dollars). The tape… QNST QuinStreet, Inc. MEDIUM The 2026-08-06 beat-and-raise stands unrevised while the tape has faded since mid-August: the 2026-09-04 close was $18.73, 14.9% under the $22.02 high, with all six published targets ($21–$24) sitting above it. Northland's 2026-09-01… OPRT Oportun Financial Corporation LOW Margin repair at a non-prime lender is intact on the numbers but the post-Q2 bid has drained: after the 2026-08-05 beat (adj EPS $0.42 vs $0.33, adj EBITDA $49M vs a $34–$39M guide), the stock peaked at $8.09 on 2026-08-07 and closed $7.36… PAYS Paysign, Inc. LOW The momentum leg has broken while the fundamental leg stays untested: the shares gave back 11.4% from the $14.14 high to a 2026-09-02 close of $12.53, RSI(14) 44.2 from 96.7 on 2026-08-21, after the 2026-08-26–27 Midwest IDEAS appearance… LPRO Open Lending Corporation SUPREME Terminal and now deregistered: ANV's $3.15 all-cash tender took ~85.65% by 2026-07-27, the §251(h) merger closed 2026-07-30, Form 25-NSE went in the same day and Form 15-12G on 2026-08-10. Last public close $3.14 on 2026-07-29. Nothing… PAYO Payoneer Global Inc. SUPREME Merger-arb into a dated gate: the 2026-09-14 special meeting is eight days out, HSR early termination was granted 2026-07-28, and the 2026-09-04 close of $7.17 leaves $0.23 to Nuvei's $7.40 all-cash offer — the tightest spread since… 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 The post-print fade was retraced in five sessions: the last completed close was $50.31 on 2026-08-28 versus $47.82 on 2026-08-21, still under every mark in the $54–$60 target band set between 2026-08-20 and Wolfe's $60 on 2026-08-25. Year… EVER EverQuote, Inc. MEDIUM The 2026-08-03 Q2 print resolved the plateau binary bullish: revenue $195.1M (+25% YoY) broke the three-quarter ~$190M band, adjusted EBITDA hit a record $30.1M, and Q3 was guided $198–208M above the $201.6M consensus. The leg is now… FIGR Figure Technology Solutions, Inc. MEDIUM Kiavi closed 2026-09-01, eleven weeks ahead of the merger end date, and the tape did not pay for it: the 2026-09-04 close of $35.96 sits below the 2026-08-28 close of $36.05 and 51.3% under the $73.91 high. Q2 marketplace volume was $4.3B,… FLYW Flywire Corporation Voting MEDIUM Execution re-rating rather than a thematic bid: the 2026-08-04 Q2 print delivered TPV $8.2B (+38.2%) and a raised FY guide of 21–27% FX-neutral growth, and five desks marked targets up between 2026-08-05 and 2026-08-31. Price sits 5.1%… GEN Gen Digital Inc. MEDIUM Legacy pivot re-rating extended to a new high: the 2026-08-06 guidance raise (FY27 $5.375-5.475B) carried the adjusted close to $30.65 on 2026-09-04, 2.2% under the $31.33 52-week high with RSI 73.8, while the consensus target lifted to… KMX CarMax Inc. 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… LAD Lithia Motors, Inc. MEDIUM Legacy dealer group re-rating on non-store earnings: the 2026-07-29 Q2 beat ($10.03 adj EPS vs $8.78) came from Driveway Finance while same-store revenue fell 1.6%. The 2026-08-25 hire of Toyota Financial Services' former CEO over DFC, F&I… RELY Remitly Global, Inc. 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 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. 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. 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… ENVA Enova International, Inc. LOW Credit normalisation plus 20%+ origination growth is intact, but the re-rating has rolled over: $232.72 on 2026-08-28 is 12.3% under the $265.45 high with RSI 35.3, and the late-August slide was sector-wide (OneMain -4.9%, Credit… EXFY Expensify, Inc. LOW Legacy expense-SaaS pivot re-rated on the 2026-08-06 Q2 print: revenue $33.9M beat $33.688M, paid-member decline halved to -2% YoY, FY26 FCF guide doubled to $12M-$14M, ~7% of shares retired, and New Expensify ARR from net-new customers… 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… GRND Grindr Inc. LOW Q2 beat-and-raise (2026-08-06: revenue $138.1M +33%, FY guide ~$540M) has fully round-tripped — $15.25 on 2026-09-04, inside the July shelf and 15.0% under the $17.94 high. Two new dated items: the UK group action resolved 2026-09-02 for… GTN Gray Media, Inc. LOW August's double catalyst — the FCC's 2-1 repeal of the 39% ownership cap (2026-08-06) and the Q2 beat-and-raise (2026-08-07) — keeps decaying: the 2026-08-28 close of $4.83 sits 20.5% under the $6.07 52-week high with RSI(14) at 45.6… MMYT MakeMyTrip Limited LOW MakeMyTrip's mid-year recovery bounce has stalled: after reclaiming the 200-day near $55, MMYT rolled back to ~$49, below both the 50- and 200-day, straight into an August 3 Q1 FY2027 print where consensus models EPS down ~76% YoY on ~137x… PAY Paymentus Holdings, Inc. LOW Beaten-down bill-pay compounder: Q1 2026 revenue +30.2% YoY yet shares carved a $20.11 June 52-week low on margin-mix fear. Now ~40% off that low into a binary ~Aug-4 Q2 print — the read is a recovering base, not a chase. RPAY Repay Holdings Corporation 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 LOW Post-Q2 re-rating is giving back: the 2026-08-28 close of $110.09 is 9.0% under the 2026-08-14 close of $120.99, MarketBeat consensus sits at $101.45 (2026-08-29), and 10%-owner Impactive Capital sold 750,000 shares at $111.49 on… WRLD World Acceptance Corporation LOW Three-month price change decayed from +27.1% to +12.3% in two weeks, leaving a maturing narrative with no company-dated binary before the 2026-10-22 Q2 print and $181 as the gap-fill line.