Company library · Payments & Fintech
Payments & Fintech: the moats, the numbers, the verdicts.
19 companies covered. Every report re-run after the latest earnings.
Affirm paid Max Levchin $38,834 in cash for fiscal 2025, no bonus, and one long-term award: options on 12,500,000 shares booked at a grant-date value of $451.1M, which expired in f
The bet you're really making is that Ally, the biggest bank in America with no branches, keeps making car loans that earn more than it pays the savers who bank with it online. You'
The bet you're really making is that rich Americans keep spending on their American Express cards, and keep paying a yearly fee that grew 15% last quarter, just to hold them. You'r
Bread Financial Holdings, Inc. BFH
The bet you're really making is that American shoppers keep putting everyday purchases on store credit cards, the kind offered at the register for a discount at BJ's, Victoria's Se
Capital One Financial Corporation COF
The bet you're really making is that owning Discover, one of only four card networks in America that runs its own payment rails, lets Capital One earn the merchant discount fee and
Enova International, Inc. ENVA
The bet you're really making is that Enova keeps lending money online to people and small businesses that ordinary banks turn away, and keeps getting paid back. You're betting that
The bet you're really making is that Green Dot is worth more than the market says, because it owns a bank and a cash-reload network that still throw off real money, and it is worki
The bet you're really making is that the millions of shops and websites that run their card payments through Global Payments keep doing it, now that the company has bought Worldpay
The bet you're really making is that Klarna keeps adding stores and shoppers, 1.2 million merchants and 120 million consumers, and gets each consumer to spend more inside its app.
The bet you're really making is that more of what people buy, everywhere in the world, keeps moving off cash and onto cards and phones, and Mastercard takes a few pennies of every
The bet you're really making is that Navient's mountain of old student loans, which it stopped adding to, pays back more cash over the next several years than the entire company co
The bet you're really making is that working-class Americans who borrow from OneMain a few thousand dollars at a time at annual percentage rates near 25% to 35% keep paying those l
The bet you're really making is that hundreds of millions of people keep using PayPal and Venmo to pay for things online, and that PayPal keeps most of the small cut it takes on ea
The bet you're really making is that millions of younger Americans keep using Sezzle to split a store purchase into four payments, and keep paying it back. You're betting they keep
SoFi paid Anthony Noto $30,275,733 for 2025, and the two bars carrying 70% of his cash bonus are revenue and a profit figure struck before the stock handed to staff, while the long
The bet you're really making is that Upstart's computers judge who will repay a loan better than a credit score does, and that banks keep paying Upstart to do the judging. You are
The bet you're really making is that people worldwide keep tapping Visa cards more times each year, and that Visa keeps taking its small cut on every tap. You're betting that cut h
World Acceptance Corporation WRLD
The bet you're really making is that World Acceptance keeps lending small amounts of cash to people with bad credit, from about a thousand storefronts across the American South and
The bet you're really making is that Western Union keeps handing you a dividend worth about 13% a year faster than its money-transfer business shrinks. You're betting the millions