Fintech Disruptor Stocks
Payment processors, digital lenders, neobank plays, and financial technology companies disrupting traditional banking and capital markets with technology-first approaches.
| Ticker | Company | Price | Mkt Cap | Rev. Growth | P/E | Upside |
|---|---|---|---|---|---|---|
| RKT | Rocket Companies | $13.80 -0.5% | $39.05B | 167.1% | — | 45.3% |
| AFRM | Affirm Holdings | $65.22 -2.92% | $21.84B | 32.6% | 59.3x | 27.2% |
| FUTU | Futu Holdings | $89.76 -27.53% | $12.58B | 53.1% | 8.8x | 157.6% |
| STEP | StepStone Group | $53.74 -1.83% | $6.74B | 55.8% | — | 35.1% |
| HLNE | Hamilton Lane | $90.32 +1.95% | $5.04B | -2.2% | 16.1x | 50.1% |
| RELY | Remitly Global | $21.58 +0.05% | $4.54B | 25.2% | 45x | 32.3% |
| PFSI | PennyMac Financial Services | $85.93 -1.25% | $4.46B | -16.6% | 9.1x | 35.3% |
| OPEN | Opendoor Technologies | $4.53 -0.88% | $4.37B | -37.6% | — | 6.4% |
| FOUR | Shift4 Payments | $43.23 -0.69% | $4.29B | 32.2% | 49.7x | 40.7% |
| ENVA | Enova International | $157.55 -2.09% | $3.92B | 25.8% | 12.8x | 28.2% |
| BILL | Bill.com Holdings | $36.11 -0.93% | $3.6B | 13.5% | — | 52.6% |
| DBRG | DigitalBridge Group | $15.70 -0.03% | $3.06B | 58.9% | 29.6x | 1.9% |
| DAVE | Dave Inc | $228.46 -5.16% | $2.9B | 46.7% | 14.7x | 49.4% |
| UPST | Upstart Holdings | $28.56 -1.01% | $2.73B | 44.6% | 69.7x | 40.8% |
| FLYW | Flywire Corporation | $16.12 -0.25% | $1.99B | 41% | 67.2x | 17.9% |
| TNET | TriNet Group | $42.77 +2.24% | $1.96B | -4.9% | 12.7x | 18.3% |
| QFIN | 360 Finance | $11.65 -5.74% | $1.42B | -8.7% | 1.8x | 99.1% |
| LADR | Ladder Capital | $10.13 +1.5% | $1.29B | 1.7% | 23x | 21.6% |
| NAVI | Navient Corporation | $8.44 +1.08% | $793.3M | -0.8% | — | 11.8% |
| WRLD | World Acceptance Corporation | $159.91 +1.14% | $719.6M | 7.5% | 22.9x | -11.8% |
| NRDS | NerdWallet | $8.35 +1.83% | $549.4M | 6.2% | 9x | 57.7% |
| IMXI | International Money Express | $15.22 -0.07% | $458M | -14.9% | 17.9x | 5.1% |
| PSFE | Paysafe | $7.47 +1.98% | $386.3M | 10.4% | — | 34.3% |
| RMNI | Rimini Street | $3.63 +1.11% | $336M | 1.2% | 10.1x | 73.6% |
| LPRO | Open Lending | $2.11 +8.76% | $249.4M | -16% | — | 15.6% |
| MFIN | Medallion Financial | $9.43 -0.95% | $224.9M | -6.4% | 6.4x | 19.3% |
Analysis and Context
This thematic screener currently shows 26 stocks meeting our specific criteria — updated daily. The average P/E ratio is 25.6x. The average revenue growth rate is 19.8%. Sector Financial Services is most represented (14 companies). Analysts see an average of 37.1% upside. The average net margin is 12%. Thematic investing provides exposure to structural megatrends — from the energy transition and AI to defense modernization and space commercialization. Watch for whether the theme is already fully priced in or still in the early stage of institutional adoption. Always combine thematic filters with fundamental analysis to separate overvalued hype from genuine value.
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