Core Insights - Investing in undervalued stocks with strong fundamentals is a strategy for long-term wealth creation, providing a margin of safety against market volatility while positioning for potential upside [2] - The focus on companies with robust fundamentals helps filter out those that are deteriorating, allowing investors to capitalize on stocks that can rebound from economic setbacks [3] OppFi (OPFI) - OppFi is enhancing its credit approval process through its proprietary AI and machine learning-based Model 6, which improved auto approval rates to 79.1% in Q3 2025 from 76.8% year-over-year [4] - The company experienced a 136.9% increase in net income, attributed to a 500 basis point reduction in total expenses as a percentage of revenues [4] - Management raised its adjusted net income guidance for 2025 to $137-$142 million from an earlier estimate of $95-$97 million, and adjusted EPS expectations increased to $1.54-$1.60 from $1.06-$1.07 [6] - OPFI is currently trading at a P/E ratio of 6.29X, significantly lower than the industry average of 20.73X, despite an 8% decline in stock price over the past three months [7] Green Dot (GDOT) - GDOT's B2B segment saw a revenue growth of over 30% in Q3 2025, driven by the Arc platform and strategic partnerships [12] - The company has a strong balance sheet with cash and equivalents of $1.6 billion and no current debt, resulting in a long-term debt to equity ratio of 7% compared to the industry average of 70.7% [14] - GDOT's revenue for 2025 is estimated at $2.1 billion, indicating a 20.4% year-over-year increase, with EPS expected to rise by 1.5% [17] Evertec (EVTC) - Evertec reported an 8% year-over-year revenue growth in Q3 2025, supported by expansions in Latin America and acquisitions [19] - The company has a strong liquidity position with cash and equivalents of $500 million and current debt of $24 million, resulting in a current ratio of 2.91 [20] - EVTC's revenue for 2025 is projected at $924 million, suggesting a 9.3% year-over-year gain, with EPS expected to rise by 9.5% [23]

Core Insights - StoneCo Ltd. experienced significant deposit growth in the first nine months of 2025, driven by increased usage of the Pix payment system, strategic bundling, and a cash sweep strategy [2][3] - The company's total client deposits reached R$9 billion, marking a 32% year-over-year increase, with deposits representing 7.1% of micro, small, and medium-sized businesses' total payment volume [2][7] - StoneCo's cash sweep strategy has successfully converted 84% of retail deposits into time deposits, which is expected to yield an annual net benefit of 75-125 basis points per R$1 billion converted [2][3] Deposit Growth and Strategy - Pix transaction volume surged by 64% year over year, significantly outpacing card transaction growth, which has positively impacted client deposit flows and overall financial service engagement [2][7] - The cash sweep strategy initiated in early 2025 is aimed at reducing funding expenses and supporting credit portfolio growth, thereby improving margins and capital structure [2][3] Competitive Landscape - Nu Holdings Ltd. reported a 34% year-over-year increase in deposits, reaching $38.8 billion, showcasing its ability to scale deposit volumes effectively across Latin America [4] - MercadoLibre, Inc. is leveraging Pix to enhance deposit growth by offering attractive remuneration on balances, resulting in a 20% year-over-year increase in monthly active fintech users to 72 million [5] Stock Performance and Valuation - StoneCo's stock has increased by 76% over the past year, significantly outperforming the industry average growth of 3.9% [6] - The company's valuation appears attractive, with a forward 12-month price-to-earnings (P/E) ratio of 7.2X, compared to the industry average of 32.91X [8] Earnings Estimates - The Zacks Consensus Estimate for StoneCo's earnings for 2025 and 2026 has remained unchanged over the past 30 days, indicating stability in earnings expectations [9]

Blue Gold Limited: Initiation of Vertically Integrated Gold Fintech Company; $20 Price Target | $BGL The revised valuation reflects growing institutional interest in gold-backed financial solutions and integrated digital infrastructure. Image by Blue Gold Limited NEW YORK, Dec. 19, 2025 (GLOBE NEWSWIRE) -- Blue Gold Limited (Nasdaq: BGL), a vertically integrated gold fintech company, today announced that an updated independent analyst report has set a revised price target of up to $20 per share. Th ...

Forget cold-calling or dialing for dollars, AI may soon become a broker’s best assistant thanks to New York City fintech Finny. https://t.co/6YoZjl0sU1 ...

2018 2019 in fintech was late spring. You get into 2020 and COVID and that was utter insanity of a of a story. >> Like 25% of all venture dollars in that period went into fintech which is >> Wow. 25%. >> The stat after that is not a good stat which is um starting in like the second half of 2022 like basically 0% of venture dollars went into >> drought maybe. >> Yeah. Yeah. Fintech winter was the second half of 2022. Most of 23 and 24 things started to thaw a little bit and like now we're very much back in s ...

Core Insights - SoFi Technologies Inc. aims for 30% member growth and 20% revenue growth as stated by the CEO at a recent conference [1]

NEW YORK, Dec. 19, 2025 (GLOBE NEWSWIRE) -- Aether Holdings, Inc. (Nasdaq: ATHR) (“Aether” or the “Company”), an emerging financial technology holding company developing data-driven platforms and media assets for investors, today announced the appointment of Wayne Huo as an independent member of its Board of Directors. Mr. Huo brings significant digital-asset, capital-markets and public company experience to Aether’s Board of Directors. He is expected to help guide Aether’s management in refining product st ...

Core Insights - Exodus Movement, Inc. has partnered with MoonPay to launch a USD-backed stablecoin aimed at enhancing digital dollar experiences within the Exodus ecosystem [1] - The stablecoin will be issued and managed by MoonPay, utilizing M0's open stablecoin infrastructure [1] - This initiative builds on Exodus Pay, allowing users to spend and send money using stablecoins while maintaining self-custody [1] Company Overview: Exodus Movement, Inc. - Exodus is a financial technology firm focused on providing secure and user-friendly crypto software solutions [1] - Since its inception in 2015, Exodus has aimed to make digital assets accessible through multi-asset crypto wallets that prioritize design and ease of use [1] - The company offers self-custodial wallets, enabling customers to control their funds and perform crypto transactions [1] Company Overview: MoonPay - MoonPay, founded in 2019, is a financial technology company facilitating value transfer across fiat and digital assets [1] - The company claims to have over 30 million customers in 180 countries and supports more than 500 enterprise clients in the crypto and fintech sectors [1] - MoonPay provides a comprehensive integration for on- and off-ramps, trading, crypto payments, and stablecoin infrastructure, connecting traditional payment systems with blockchains [1] Strategic Expansion - The digital dollar will be available through MoonPay's distribution network, enhancing access and utility for users, partner applications, and merchants [1] - MoonPay's enterprise stablecoin business was launched in November 2025, focusing on issuing and managing fully reserved digital dollars across multiple blockchains [1] - The integration with M0 allows MoonPay to provide the necessary technology and distribution for enterprises to quickly bring stablecoin solutions to market [1]

Core Insights - BLAQclouds is launching ApolloCASH, a zero-knowledge protocol for real-time, noncustodial cross-border payments, transitioning from testing to full retail launch on December 20, 2025 [5][6] - ApolloCASH aims to modernize cross-border remittances by providing a secure, privacy-preserving infrastructure that operates 24/7, addressing traditional crypto payment limitations [9][25] Group 1: Product Features - ApolloCASH utilizes zero-knowledge verification and single-use liquidity pools to eliminate custodial risk, slippage, and settlement delays, enabling secure peer-to-peer payments and merchant payouts [5][10] - The protocol is designed to facilitate instant, trust-minimized value transfer while maintaining privacy and compliance, integrating with popular payment platforms like PayPal, Venmo, and Alipay [9][10][22] - Each transaction creates a single-use liquidity pool, ensuring no liquidity fragmentation and reducing counterparty risk [21][22] Group 2: Technical Architecture - ApolloCASH operates as a layered protocol, consisting of an off-chain layer for fiat payment initiation, a verification layer for cryptographic validation, and an on-chain settlement layer for minting and liquidity pool creation [15][19] - The system architecture includes features like replay-attack prevention and time-bound redemption codes to enhance security [23][24] Group 3: Fee Structure and Use Cases - ApolloCASH employs a gross-amount fee model where fees are paid upfront by the sender, with a clear fee structure based on the amount sent, ranging from $5.95 for transactions up to $100 to $149.95 for transactions up to $10,000 [21][22] - Potential use cases for ApolloCASH include peer-to-peer payments, merchant invoicing, payroll, cross-border remittances, and NFT-gated payments [22][25] Group 4: Future Developments - The roadmap for ApolloCASH includes multiple phases, such as integrating with ZEUSxPay V3, expanding marketplace integrations, and enabling enterprise settlement and cross-chain expansion [24][25] - BLAQclouds aims to position ApolloCASH as a core financial primitive within its ecosystem, bridging traditional finance and decentralized systems [28][27]

TORONTO, ON / ACCESS Newswire / December 19, 2025 / Datametrex AI Limited (the "Company" or "Datametrex'') (TSXV:DM)(FSE:D4G)(OTC PINK:DTMXF) is pleased to announce further to its news releases dated September 15, 2025, September 22, 2025, September 29, 2025 November 11, 2025, November 14, 2025, and December 10, 2025, it has completed the acquisition via a wholly owned subsidiary, Paymetrex Payment Solutions Inc., ("Paymetrex") of the Yuzu payment processing solution from Firstpayment Inc. ("Firstpayment"), ...