- Fintech companies are outperforming traditional finance on the stock market this year
- The trend could continue, as fintech companies are expected to benefit significantly from AI
- Which fintech stocks should you watch most closely on Wall Street?
The financial sector has struggled this year, but fintech companies stand out. Many fintech stocks have gone up even though the market remains risky.
Fintech companies have clear advantages over traditional banks. They use modern technology, run with fewer physical assets, and can grow quickly. They can also launch new products faster. This helps them gain customers and earn more from services that add higher value.
Artificial intelligence gives them an extra edge. Traditional banks often deal with old systems and slow processes. Fintech companies can adopt AI much faster. This helps them improve credit checks, offer more personalized services, increase conversions, and lower costs.
In simple terms, fintech companies are expected to gain much more from AI than traditional financial firms. This advantage could help them keep performing better in the near future. Many experts also believe the market has not fully understood how much AI can help fintechs, which means their earnings reports could surprise on the upside.
At the same time, even though cryptocurrencies are going through a slow phase right now, any comeback in digital assets would benefit fintech companies more than traditional financial firms, which still remain cautious in this space.
So, we decided to look at fintech stocks listed on Wall Street to find the best opportunities in the coming months. For this, we used the Investing.com stock screener and applied specific filters to narrow down the list.
- Market capitalization over $1 billion
- Fintech industry
- Upside potential of more than 20% based on Fair Value (synthesis of valuation models)
- Health score above 2.5/5
This search allowed us to identify 6 opportunities:
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These US fintech stocks are currently undervalued by about 24.6% to 59.2%, based on InvestingPro’s Fair Value estimates. It is also worth noting that analysts see strong potential in all of them, even though this was not part of the main research.
One of these companies is , which focuses on self-service banking solutions like ATMs, ATM-as-a-Service, and cash distribution networks for banks and retailers. The company has shown steady performance recently. Its revenue has grown by around 4%, and its net income is expected to rise sharply in 2025, supported by growth in recurring services and outsourced solutions.
Another example is , which offers cloud-based bill payment solutions used by utilities, telecom companies, and government agencies. The company is seeing strong growth, with revenue rising more than 28% in the fourth quarter of 2025 and 37% for the full year. Its EBITDA has also improved significantly, supported by higher transaction volumes and a growing customer base.
However, some other stocks on the list may be stronger opportunities right now. Two of them stand out in particular. They are undervalued by more than 50% based on Fair Value estimates and still offer potential upside of over 40%, according to analysts.
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Disclaimer: This article is written for informational purposes only; it does not constitute a solicitation, offer, advice, counsel or recommendation to invest as such it is not intended to incentivize the purchase of assets in any way. I would like to remind you that any type of asset, is evaluated from multiple perspectives and is highly risky and therefore, any investment decision and the associated risk remains with the investor.
