Next Fintech Stocks to Watch: Finding the Next SoFi

PUBLISHED Jul 14, 2025, 12:10:48 AM        SHARE

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Wouldn’t it be nice if we could rewind the clock one year and buy SoFi stock at around $6 per share? Back then, signs of SoFi’s transformation into a profitable, growing fintech powerhouse were already visible. My co-host Julia and I decided to channel that energy into uncovering the next SoFi—a fintech gem with similar upside but still flying under the radar.

Criteria for Selecting the Next Fintech Winner

To narrow the field, we established five non-negotiable criteria. Each prospective stock must:

  1. Be a fintech company
  2. Exhibit strong, sustained revenue growth
  3. Report profitability on the books
  4. Trade with healthy daily volume
  5. Remain undercovered, with no massive rally yet

These filters steer us toward companies ready for institutional attention, not sleepy financial dinosaurs or sky-high momentum darlings that already delivered a 200%+ surge.


Welcome to the Market Monkey Channel

Hello and welcome! I’m Vadim, your guide on Market Monkey. Today we’re unveiling two fintech companies that tick all our boxes. We’ve already invested in one and are primed to buy the other when circumstances align.

Before we dive in, a friendly reminder:

  • This video does not constitute financial advice.
  • Always do your own due diligence.
  • Ask questions in the comments—Julia and I respond to everyone.
  • If you find our analysis helpful, press Like and Subscribe.

1. Nu Holdings (Banco Nu)

What Is Nu Holdings?

Nu Holdings is the parent company of Banco Nu, a leading digital bank in Latin America. In Brazil, roughly 60% of adults have an account with Nu Bank. The expansion into Colombia (12% market share) and Mexico (6%) has just begun. Their product suite mirrors top fintech players, offering:

  • Digital money accounts
  • Credit and debit cards
  • Personal and corporate loans
  • Investment services

Why Nu Holdings Meets Our Criteria

1. Fast-Track Growth

  • December 2020 revenue: $380 million
  • Latest 12-month revenue: over $10 billion

2. Proven Profitability

  • Turned profitable 2.5 years ago
  • TTM net profit: $2.1 billion on $10 billion revenue

3. Robust Trading Volume

  • Average daily volume: ~60 million shares

4. Under-the-Radar Price Action

  • One year ago: $12 per share
  • Today: $13 per share (range $9–$15)
  • No 200% rally yet—room to run

Julia has already bought shares, and I’m long call options, so we’re personally invested in Nu Holdings’ next leg up.

Dig Deeper: Julia’s Seeking Alpha Analysis

Julia’s in-depth write-up on Seeking Alpha covers:

  • Segment-by-segment revenue drivers
  • Margin trajectories across markets
  • Long-term expansion roadmaps

Today is the last day of Seeking Alpha’s summer sale, which includes a 7-day free trial and extra discount via our affiliate link. If you haven’t tried their Premium content, now’s the time.

We Want Your On-the-Ground Feedback

If you’re in Brazil, Colombia, or Mexico and use Banco Nu, we’d love to hear about your experience. Comment below:

  • Why you chose Nu Bank
  • What features you value most
  • Any pain points or challenges

2. Wise PLC

Introducing Wise PLC

Wise PLC (formerly TransferWise) is a UK-based fintech specializing in low-cost international money transfers, multi-currency accounts, and a debit card that works globally. Their platform integrates directly with major banks—think Raiffeisen, Morgan Stanley—and powers point-of-sale systems in retailers around the world.

How Wise PLC Fits Our Criteria

1. Exceptional Revenue Growth

  • From $40 million eight and a half years ago
  • To $1.5 billion in the latest fiscal period

2. Longstanding Profitability

  • Profitable since 2016
  • Steady net income growth

3. Anticipated Trading Volume

  • High liquidity on the London Stock Exchange
  • Plans for a US primary listing expected this year

4. Moderate Price Performance

  • YTD: ~60% gain
  • Last 6 months: flat trading range

Because Wise hasn’t yet exploded post-listing in the US, it aligns with our “undercovered” criterion.

Our Investment Plan

We’re waiting for Wise’s US listing—no exact date yet—then we’ll pull the trigger. The seamless access in US brokerage accounts should unleash significant institutional demand.

Expand Your Research: Julia’s Seeking Alpha Thesis

Julia’s comprehensive analysis on Seeking Alpha dives into:

  • Regulatory moat across currency corridors
  • Competitive edge of multi-currency balances
  • Profit margin evolution

The comment section under her article is a goldmine of firsthand user insights and peer debate.


Side-by-Side Comparison

Criteria Nu Holdings Wise PLC
Fintech Vertical Digital banking (LatAm) Global money transfers & multi-currency
Revenue Growth $380 M → $10 B in 4.5 years $40 M → $1.5 B in 8.5 years
Profitability Profitable 2.5 years Profitable since 2016
Avg Daily Volume ~60 M shares High on LSE; expected surge in US
Stock Rally Flat ($12 → $13, range $9–$15) +60% YTD, flat past 6 months

Why Now Is the Time to Act

The fintech sector is maturing. Growth-phase, profitable innovators that are still under the institutional radar represent the best blend of upside and risk control. Both Nu Holdings and Wise PLC check every box:

  • They’re executing proven business models
  • They deliver on revenue and profit metrics
  • They maintain ample liquidity for big buyers
  • They haven’t yet seen blow-off runs

That combination is rare—and exactly what we hunting for when we dream about finding our own time machine.


Join the Conversation

  • Got questions on our analysis? Drop them below—no spam, no bots, just real discourse.
  • If you’ve used Banco Nu or Wise services, share your stories.
  • Press Like if you enjoyed this deep dive, and Subscribe for weekly fintech finds.

Here’s to uncovering the next 200% winner—cheers!

https://youtu.be/P3p9zCx9iMw?si=_xlH58qu9yGvAhJS

NU, Buy

Nu Holdings Ltd.
Return: 21.72%

NU, Buy

Return: 21.72%


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