3 Fintech Stocks In Focus After Monzo Sale Talk Including SoFi Stock

When a possible £8b to £10b Monzo sale to Nu Holdings hits the headlines, it sends a clear signal that listed digital banking and fintech platforms remain in play. Capital is actively hunting for scalable app first lenders, and that can reshape sentiment around peers exposed to the same trend. This article walks through 3 stocks from the screener that appear most directly linked to the Monzo and Nubank story.

The three stocks below are just a starting sample pulled from this theme, while the full screen surfaced 22 more listed digital banking and fintech platforms with equally compelling narratives that are not covered here. To identify your own high conviction ideas in this space, head straight into the Listed digital banking and fintech platforms screener

SoFi Technologies (SOFI)

Overview: SoFi Technologies runs an app first financial platform that lets members borrow, bank, invest, manage money, use credit, and access related services.

Operations: SoFi generates about US$2.4b from Lending, US$1.7b from Financial Services, and US$400 million from its Technology Platform, with Corporate/Other reducing totals.

Market Cap: US$21.4b

SoFi Technologies fits this digital banking and fintech theme because it blends a consumer super app with the plumbing other financial firms increasingly rely on. This is exactly where listed app first lenders are trying to head as capital looks for scalable platforms.

"Through its acquisitions of Galileo and Technisys, SoFi operates the foundational software for the next generation of finance. By licensing this vertically integrated technology stack, SoFi generates highly predictable SaaS revenue, which is completely protected from consumer credit risk and interest rate swings."

What really matters now is how one unresolved pressure on that model ultimately shapes pricing power, margins, and appetite for those services.

That pressure point is exactly where the story gets interesting, and the full narrative for SoFi Technologies shows how SoFi Technologies could turn it into accelerating leverage across the platform.

Dave (DAVE)

Overview: Dave runs a mobile-first U.S. fintech platform that offers budgeting tools, ExtraCash advances, gig work matching, and digital checking.

Operations: Dave generates about US$644 million from service based and transaction based activity, all from its U.S. consumer finance platform.

Market Cap: US$4.1b

Dave fits this listed digital banking and fintech theme because its app aims to replace overdraft-heavy banking with small, data driven advances and everyday money tools for users who live close to payday.

"Anticipated gains from CashAI v5.5, which leverages deeper transaction data analytics and more variables for risk segmentation, are likely to improve credit performance, enable larger and more frequent ExtraCash advances, and reduce credit losses, supporting higher net margins and gross profit."

What really moves the story from here is how one shift in funding mix and risk appetite filters through to those unit economics.

That funding shift is the real swing factor, and the full narrative for Dave explains how it could accelerate Dave’s unit economics while reframing where the biggest risk actually sits.

DLocal (DLO)

Overview: DLocal runs a digital payments platform that lets global merchants accept and send money across emerging markets using local methods and currencies.

Operations: DLocal generates about US$1.36b from payment processing, with revenue spread across Brazil, Mexico, Argentina and wider Latin America.

Market Cap: US$4.1b

DLocal matters for this digital banking and fintech screen because it supplies the cross border payment rails that many app first lenders and merchants depend on to reach customers in emerging markets.

"dLocal's rapid expansion of its solution set (SmartPix for Pix, Buy Now Pay Later partnerships, stablecoin payment infrastructure) and continued onboarding of new alternative payment methods position it to benefit from accelerating digitization of payments in emerging markets. This supports sustained top-line growth and potential for higher take rates on new products, which would be positive for revenue and gross margin."

The real test now is how one less visible pressure on pricing and client mix ultimately shapes the strength of those margins.

That pricing pressure is only the surface, and the full narrative for DLocal unpacks how DLocal’s merchant mix, take rates and new products could be quietly accelerating the story.

Seeking Alternatives Before The Crowd

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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