Embedded-Finance Infrastructure
These innovative companies provide the essential API infrastructure that enables any business to seamlessly integrate financial services into their products. Carefully selected by our analysts, these stocks represent the invisible technology powering the next generation of banking, lending, and insurance experiences.
About This Group of Stocks
Our Expert Thinking
We've focused on the companies building the technological foundation that allows non-financial businesses to offer banking, lending, and insurance products within their apps. These API providers and white-label platforms are expanding the total addressable market for financial services dramatically.
What You Need to Know
This portfolio targets pure-play technology providers—not the consumer-facing brands using their tools. These B2B infrastructure players handle complex backend processes like payment processing, loan origination, and regulatory compliance, enabling seamless financial experiences.
Why These Stocks
These companies are strategically positioned as force-multipliers in the digital economy. As consumer demand for integrated financial services grows, these infrastructure providers benefit from widespread adoption across industries, potentially unlocking substantial growth opportunities.
Top Picks from This Group
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SoFi Technologies, Inc.
SOFI
Current price
$21.81
Through its Galileo technology platform, it provides critical API-based infrastructure for card issuing and digital banking to other fintech companies...
Through its Galileo technology platform, it provides critical API-based infrastructure for card issuing and digital banking to other fintech companies.
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12 Month Growth Potential
Use the growth calculator to see how much investing in these assets could return over one year.
If you invested across these assets:
in 12 months it could be worth:
+62.32%
Group Performance Snapshot
Average 12 Month Profit
On average, analysts expect assets in this group to grow 62.32% over the next year.
Stocks Rated Buy by Analysts
13 of 15 assets in this group are rated Buy by professional analysts.
Group Growth vs Bank interest
This group averaged a 7.7% return last month, beating the typical 4% bank rate.
Why You'll Want to Watch These Stocks
Expanding Market Opportunity
As more brands look to add financial services to their apps, these infrastructure companies are positioned to capture a rapidly growing market. The embedded finance revolution is just beginning.
The Hidden Tech Powering Everything
While consumer fintech apps get all the attention, these companies provide the crucial behind-the-scenes infrastructure that makes it all possible. They're the essential building blocks of modern finance.
Early Days of a Major Shift
Industry experts predict that embedded finance could be a trillion-dollar opportunity. These companies are at the forefront of transforming how financial services are delivered.
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