Core Viewpoint - The article identifies 13 beaten-down stocks recommended by analysts for investment, highlighting the potential for recovery amid a strong market outlook driven by the AI boom and favorable monetary conditions. Market Overview - The S&P 500 has shown strong double-digit gains, averaging 13% growth per year over the last decade, while the Nasdaq has increased by over 18% due to the performance of key tech stocks [2] - Wall Street strategists predict continued strong market performance in 2026, with JPMorgan forecasting a 13% to 15% rise in the S&P 500, supported by corporate earnings growth [2] - UBS Group AG anticipates the S&P 500 could exceed 7,500 next year, driven by robust US earnings growth and increased capital flow into tech stocks [3] Stock Performance Insights - Despite overall market gains, some stocks have underperformed, with certain stocks dropping to 52-week lows, losing over 30% of their value [3] - John Stoltzfus from Oppenheimer Asset Management suggests that recent declines in stock prices are minor adjustments rather than signs of a significant downturn [4] Methodology for Stock Selection - The selection of the 13 best beaten-down stocks involved screening companies trading within 0%–10% of their 52-week lows and down more than 30% year-to-date, focusing on those popular among hedge funds in Q3 2025 [6] Individual Stock Highlights - **Snap Inc. (NYSE:SNAP)**: Current share price is $7.60, with a year-to-date loss of -33.26% and an upside potential of 27.94%. Analysts expect Snap to reach 474 million daily active users in Q4, despite a slight decline [9][11] - **PayPal Holdings, Inc. (NASDAQ:PYPL)**: Current share price is $59.86, with a year-to-date loss of -30.17% and an upside potential of 30.19%. PayPal is seeking to establish a bank in the US to enhance its lending operations and reduce reliance on third parties [13][15][16]

Core Insights - Comviva has been awarded the IBS Intelligence Global FinTech Innovation Award 2025 for 'Best In-Class Cross Border Payments' due to its collaboration with Global Money Exchange Co. LLC (GMEC) in Oman [1][4] Group 1: Company Achievements - The award recognizes Comviva's ®mobiquity Pay for transforming the cross-border payment ecosystem beyond traditional remittance services [2][4] - The deployment of the Global Pay Oman App allows GMEC to provide international money transfers, forex ordering, and a range of financial services through a unified platform [2][3] Group 2: Industry Impact - Comviva's solution enhances operational efficiency and customer retention in the competitive cross-border payments market by integrating multiple payment use cases into a single digital wallet [3] - The recognition emphasizes the growing necessity of cross-border payments, particularly for migrant and trade-linked economies, highlighting the importance of user experience and operational resilience [4]

Core Insights - Five stocks have been added to the Zacks Rank 1 (Strong Buy) List, indicating strong potential for investment returns Group 1: Company Performance - Oceaneering International, Inc. (OII) has seen a 11.7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Topgolf Callaway Brands Corp. (MODG) has experienced a significant 59% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - OppFi Inc. (OPFI) has recorded a 10.6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Vista Energy, S.A.B. de C.V. (VIST) has seen a substantial 48.7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2]

Group 1: Vista Energy, S.A.B. de C.V. (VIST) - Vista Energy is an oil and gas exploration and production company with a Zacks Rank 1 [1] - The Zacks Consensus Estimate for its current year earnings has increased by 48.7% over the last 60 days [1] - The company has a price-to-earnings ratio (P/E) of 6.64, compared to 6.90 for the industry, and possesses a Value Score of A [1] Group 2: OppFi Inc. (OPFI) - OppFi is a FinTech company that also carries a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its next year earnings has increased by 10.6% over the last 60 days [2] - The company has a price-to-earnings ratio (P/E) of 6.84, compared to 12.10 for the industry, and possesses a Value Score of A [2] Group 3: Macy's, Inc. (M) - Macy's is an omnichannel retail company with a Zacks Rank 1 [2][3] - The Zacks Consensus Estimate for its current year earnings has increased by 10.2% over the last 60 days [2] - The company has a price-to-earnings ratio (P/E) of 11.02, compared to 22.90 for the industry, and possesses a Value Score of A [3]

Core Viewpoint - FinTech company Mercury is seeking to establish itself as a national bank by applying for a national bank charter and federal deposit insurance, aiming to enhance its offerings and stability for its clients [1][2]. Company Overview - Mercury was founded in 2019 and initially provided checking and savings accounts through FDIC-insured partner banks, later expanding its services to include investment accounts, business charge cards, international wires, lending, consumer banking, and financial software for businesses [3][4]. - The company currently serves over 200,000 clients, including startups, venture capital firms, eCommerce companies, and small businesses [4]. Leadership and Strategy - Mercury has appointed Jon Auxier, a veteran from SoFi, as its chief banking officer, who will also become CEO and president of Mercury Bank upon regulatory approval [4][5]. - Auxier emphasized that few FinTechs possess the financial strength and operational discipline to pursue a charter at this scale, highlighting Mercury's profitability and strong balance sheet as foundational elements for its banking ambitions [6]. Product Development - The company aims to provide a powerful self-service banking option tailored for founders and individuals in the tech sector, as evidenced by the launch of Mercury Personal in April 2024 [6][7].

Group 1 - FinTech industry is currently facing challenges due to credit cycles and high capital requirements [1] - Pagaya Technologies (PGY) has developed a distinctive strategy that allows it to overcome these challenges [1] Group 2 - The article emphasizes the importance of identifying profitable and undervalued investment opportunities in the U.S. market [1]

Core Insights - Blackstone is reportedly in discussions to offer its funds through Revolut's platform as part of Revolut's development of a private banking service aimed at affluent clients [2][3] - The talks between Blackstone and Revolut are in the early stages, and there is no guarantee of an agreement being reached [2] - Revolut's recent valuation reached $75 billion following a share sale, significantly up from $45 billion the previous year, indicating strong growth and ambition in the financial services sector [3][4] Company Developments - Revolut is focusing on expanding its offerings to include private banking services for individuals with over $1 million in liquid assets, positioning itself as a competitor to traditional private banking institutions [3] - The company has recently launched a waitlist for an "ultra-premium" business card and gained authorization to operate as a multiple banking institution in Mexico, showcasing its growth strategy [5] - Blackstone has been active in the private credit market, gaining SEC approval for its private credit solution that will invest across various credit types, indicating its commitment to expanding its investment strategies [6][8] Strategic Partnerships - Blackstone announced a partnership with Phoenix Financial to collaborate on a range of credit strategies, further diversifying its investment approach [7] - The partnership reflects Blackstone's strategy to leverage its scale and insights to capitalize on opportunities in the expanding private credit market [8]

Core Insights - SoFi has launched SoFiUSD, a dollar-pegged stablecoin, making it the first national bank to issue a stablecoin on a public, permissionless blockchain [2][3] - The stablecoin aims to provide infrastructure for banks, FinTechs, and enterprise platforms, enabling 24/7 fund movement with near-instant settlement at fractional-cent pricing [2][3] - SoFiUSD will enhance liquidity management and improve service delivery for customers, with plans for it to be available to all SoFi members soon [3][4] Company Developments - SoFi is leveraging its decade-long infrastructure to address challenges in financial services, such as slow settlement and fragmented providers, by combining regulatory strength with transparent on-chain technology [4] - The stablecoin is intended to serve as a secured dollar-denominated asset for consumers in countries with volatile currencies [4] - In addition to the stablecoin, SoFi has previously become the first nationally-chartered bank to offer consumer cryptocurrency trading, expanding its digital financial services [5] Industry Context - The rise of private chains in the financial sector has been noted, indicating significant growth in enterprise blockchain adoption over the past two years [6] - Major financial institutions like JPMorgan Chase and HSBC are increasing their blockchain efforts, with JPMorgan launching a tokenized money market fund and HSBC testing a new cross-border payment solution [7] - There is a recognition that existing open blockchain networks may not align with the operational realities of regulated finance, leading to a preference for private blockchain solutions [8]

Group 1 - The company, Multitude Capital Oyj, has selected Finland as its home Member State for regulatory purposes under the European transparency directive and Finnish Securities Markets Act [1] - Multitude Capital Oyj serves as the funding vehicle for Multitude Group, issuing bonds to enhance liquidity for the Group's operations [2] - Multitude AG is a European FinTech company providing digital lending and online banking services, operating through three business units: Consumer Banking, SME Banking, and Wholesale Banking [3] Group 2 - Multitude Group employs over 700 people across 25 countries and offers services in 17 countries, achieving a combined turnover of 264 million euros in 2024 [3] - The company was founded in Finland in 2005, is registered in Switzerland, and is listed on the Prime Standard segment of the Frankfurt Stock Exchange under the symbol 'MULT' [3]

Core Insights - Multitude AG, a European FinTech company, has announced its financial report publication dates for 2026, including preliminary and full-year results [1] - The company operates through three independent business units: Consumer Banking (Ferratum), SME Banking (CapitalBox), and Wholesale Banking (Multitude Bank) [2] - Multitude achieved a combined turnover of 274 million euros in 2024 and employs over 700 people across 25 countries [2] Financial Reporting Schedule - Silent Period: 10.02.2026 – 11.03.2026, followed by preliminary results on 12.03.2026 [1] - Full year 2025 results will be published on 26.03.2026 for Multitude AG, Multitude Bank p.l.c., and Multitude Capital Oyj [1] - Annual General Meeting is scheduled for 24.04.2026 [1] Business Operations - Multitude provides digital lending and online banking services to consumers, SMEs, and other FinTechs, targeting those overlooked by traditional banks [2] - The company is registered in Switzerland and listed on the Prime Standard segment of the Frankfurt Stock Exchange under the symbol 'MULT' [2] - Services are offered in 17 countries, showcasing the company's extensive reach in the FinTech sector [2]