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.
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.
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.
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.
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.
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.
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.
Summary of total market capitalisation and large-cap dominance for the Embedded-Finance Infrastructure basket.
UPST: $5.04B
SOFI: $34.12B
AFRM: $24.26B
Get the full story on this Basket. Read our detailed article on its risks and potential.
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Part of Exinity Group 2015, serving over a million customers globally.
Earn 6% AER on uninvested cash with daily interest payments.
SK Hynix has unveiled a record-breaking 40 trillion won share buyback fueled by soaring demand for its AI memory chips. This historic capital return creates a compelling investment theme centered on high-bandwidth memory producers and the specialized equipment manufacturers that enable their advanced production.
Home Depot's recent earnings beat highlights consistent consumer spending on smaller household repair and maintenance projects. This ongoing trend presents promising opportunities for various home improvement retailers and building material suppliers.
BHP Group recently posted a massive earnings beat driven by record copper profitability, allowing the miner to raise its dividend to a four-year high. This performance highlights a structural shift toward electrification metals, creating opportunities for industrial equipment suppliers and competing copper producers.
+5
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SOFI TECHNOLOGIES INC
SOFI
Current Price
$18.40
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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Use the growth calculator to see how much investing in these assets could return over one year, based on aggregated analyst sentiment provided by Refinitive Ltd.
If you invested across these assets:
In 12 months it might be worth:
+34.18%
On average, analysts expect assets in this group to grow 34.18% over the next year.
12 of 13 assets in this group are rated Buy by professional analysts.
