Might it be time to buy fintech?


Fintech was down big today despite many of these names already being down 60-70% from their highs.

I was looking at $UPST earlier and if you take the run rate of their Q4 earnings they have a PE of around 35 which seems very reasonable for a profitable company projecting strong growth in 2022. I know they have several risks and with recession concerns looming it's understandable why people are nervous.

That said, the selling was indiscriminate in this sector today and while I haven't researched all of the names in depth, these kinds of moves can sometimes present opportunities.

Are you buying any of these, and if so what is your bull thesis?

As I mentioned, $UPST seems to be approaching a level where it should see some valuation support here. $HOOD and $AFRM look like they might be decent acquisition plays. $SQ still seems a bit expensive, but has a good track record of innovation and has a experienced CEO at the helm. Not looked into $COIN or $SOFI much but $COIN seems likely to be a long-term winner and seems to be fairly reasonably valued if you believe it will continue to grow.

Today's moves:

  • $SQ: -6.37%
  • $SOFI: -9.14%
  • $UPST: -11.20%
  • $AFRM: -15.57%
  • $COIN: -7.46%
  • $HOOD: -8.55%


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