3 Incredible Fintech Stocks to Buy Today
With many fintech stocks down sharply over the past year, the hosts discuss three potential opportunities: Shift4 (FOUR), Toast (TOST), and Mercado Libre (MELI). They highlight FOUR’s low valuation around 10x free cash flow despite 30%+ growth and its niche in customized payment systems for large venues like resorts and stadiums, while noting concerns about moat durability and margins. They argue TOST has become a restaurant operating system with payments, hardware, and high-margin recurring software modules, plus potential growth in delivery, ordering, and groceries. For MELI, they emphasize Mercado Pago’s fast-growing fintech segment in Latin America, recent expansion into lending and insurance products, and a valuation that has compressed significantly versus 2020 amid investor worries about credit risk.
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00:00 Fintech Selloff Opportunities
00:17 Shift4 Value Case
01:16 Shift4 Moat and Venues
03:06 Shift4 Risks and Durability
04:07 Toast Restaurant OS
05:50 Toast Profit Model
06:39 Toast Growth and Delivery
08:15 Mercado Libre Fintech Angle
08:45 Mercado Pago and Adoption
10:10 Lending and Insurance Risks
11:28 Valuation and Wrap Up
12:03 Promo and Closing
