Finance Services stocks: intrinsic value, ROIC & growth
98 U.S. finance services companies with at least three years of SEC filings, ranked by size. 31 of the 51 with a current price trade below their Graham intrinsic value. The median company earned a -7.2% average return on invested capital and grew revenue 22.1% a year.
Updated October 18, 2026
98companies
31below Graham value
-7.2%median 10-yr ROIC
22.1%median revenue CAGR
Most undervalued finance services stocks
| Ticker | Company | Upside | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|---|
| AXP | American Express | +4% | $313.59 | $325.09 | 4% below | $218.3B | 16.0% | 6.1% |
Highest-ROIC finance services stocks
| Ticker | Company | 10-yr ROIC | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|---|
| WULF | TERAWULF INC. | 123.2% | $11.68 | $2.33 | 401% above | $4.6B | 123.2% | 27.1% |
| MARA | MARA Holdings, Inc. | 52.8% | $7.53 | $28.58 | 74% below | $2.7B | 52.8% | 5.4% |
| AXP | American Express | 16.0% | $313.59 | $325.09 | 4% below | $218.3B | 16.0% | 6.1% |
| WD | Walker & Dunlop, Inc. | 15.6% | $32.66 | — | — | $1.1B | 15.6% | 22.5% |
| BUR | Burford Capital Ltd | 10.8% | $3.00 | — | — | $673.7M | 10.8% | -0.4% |
| OPRT | Oportun Financial Corp | 8.1% | $9.08 | — | — | $434.6M | 8.1% | -30.6% |
All finance services stocks
| Ticker | Company | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|
| AXP | American Express | $313.59 | $325.09 | 4% below | $218.3B | 16.0% | 6.1% |
| COIN | Coinbase | $173.16 | $147.81 | 17% above | $49.7B | -262.4% | 54.2% |
| MSTR | Strategy Inc | $136.83 | $13.07 | 947% above | $38.0B | -7.2% | -0.8% |
| STRF | Strategy Inc | $103.60 | $13.07 | 693% above | $28.8B | -7.2% | -0.8% |
| SOFI | SoFi Technologies, Inc. | $14.55 | $12.95 | 12% above | $18.2B | -5.4% | 127.1% |
| CRCL | Circle Internet Group, Inc. | $82.22 | $9.96 | 726% above | $13.0B | 148.6% | 135.2% |
| HUT | Hut 8 Corp. | $67.75 | $112.93 | 40% below | $7.1B | 2.1% | 47.2% |
| CHYM | Chime Financial, Inc. | $29.67 | — | — | $7.0B | 66.6% | 30.8% |
| ABTC | American Bitcoin Corp. | $7.56 | — | — | $6.8B | -102.1% | 50.7% |
| IREN | IREN Ltd | $26.99 | $12.95 | 108% above | $6.0B | -14.9% | 157.6% |
| DAVE | Dave Inc./DE | $367.40 | $449.41 | 18% below | $5.3B | -5.9% | 38.0% |
| RIOT | Riot Platforms, Inc. | $13.72 | $11.29 | 22% above | $4.7B | -132.6% | 244.7% |
| WULF | TERAWULF INC. | $11.68 | $2.33 | 401% above | $4.6B | 123.2% | 27.1% |
| CORZ | Core Scientific, Inc./tx | $13.48 | $6.64 | 103% above | $4.3B | -241.4% | 39.5% |
| CIFR | Cipher Digital Inc. | $8.98 | — | — | $3.4B | -9.7% | 319.3% |
| MARA | MARA Holdings, Inc. | $7.53 | $28.58 | 74% below | $2.7B | 52.8% | 5.4% |
| CLSK | CLEANSPARK, INC. | $8.40 | $38.10 | 78% below | $2.7B | -67.3% | 176.2% |
| UPST | Upstart Holdings, Inc. | $23.56 | — | — | $2.5B | -4.8% | 36.7% |
| PGY | Pagaya Technologies Ltd. | $17.23 | $30.89 | 44% below | $1.4B | -73.3% | 68.9% |
| NAKA | Nakamoto Inc. | $7.13 | $11.77 | 39% below | $1.4B | -2228.4% | -30.5% |
| GPGI | GPGI, Inc. | $12.47 | — | — | $1.4B | -42.4% | -20.9% |
| PWP | Perella Weinberg Partners | $13.26 | $8.21 | 62% above | $1.3B | -14.9% | 5.9% |
| KEEL | Keel Infrastructure Corp. | $2.31 | — | — | $1.3B | -17.1% | 38.0% |
| BTMCQ | Bitcoin Depot Inc. | — | — | — | — | 316.0% | -1.7% |
| WD | Walker & Dunlop, Inc. | $32.66 | — | — | $1.1B | 15.6% | 22.5% |
| RHLD | Resolute Holdings Management, Inc. | $113.67 | — | — | $968.8M | 92.1% | 9.9% |
| SBET | Sharplink, Inc. | $7.57 | $3.04 | 149% above | $754.9M | 1.4% | 100.3% |
| BUR | Burford Capital Ltd | $3.00 | — | — | $673.7M | 10.8% | -0.4% |
| GDOT | GREEN DOT CORP | $12.20 | $2.71 | 350% above | $672.2M | -12.4% | 12.0% |
| WLTH | WEALTHFRONT CORP | $10.63 | $43.51 | 76% below | $604.7M | -111.3% | 29.8% |
| BMNR | BITMINE IMMERSION TECHNOLOGIES, INC. | $21.66 | $444.76 | 95% below | $531.0M | -48.5% | 142.4% |
| CD | Chaince Digital Holdings Inc. | $6.93 | — | — | $457.7M | -21.7% | 277.9% |
| HIVE | HIVE Digital Technologies Ltd. | $2.03 | $9.63 | 79% below | $457.6M | -6.1% | 61.3% |
| OPRT | Oportun Financial Corp | $9.08 | — | — | $434.6M | 8.1% | -30.6% |
| WYFI | WhiteFiber, Inc. | $11.76 | $1.66 | 608% above | $371.4M | -4.5% | 64.9% |
| COSG | Cosmos Group Holdings Inc. | $0.06 | — | — | $268.5M | 20.0% | -22.5% |
| BTBT | Bit Digital, Inc | $0.96 | $6.31 | 85% below | $247.5M | -26.0% | 52.1% |
| EXOD | Exodus Movement, Inc. | $5.22 | — | — | — | 23.8% | 47.1% |
| SNFCA | SECURITY NATIONAL FINANCIAL CORP | $9.19 | $16.44 | 44% below | $234.2M | 11.3% | 1.3% |
| CPSS | CONSUMER PORTFOLIO SERVICES, INC. | $9.15 | $2.33 | 293% above | $220.3M | 14.7% | 0.3% |
| UTKN | Universal Token | $1.51 | — | — | $153.1M | 807.7% | — |
| OPFI | OppFi Inc. | $5.65 | $32.88 | 83% below | $149.8M | 427.9% | 22.1% |
| GHI | Greystone Housing Impact Investors LP | $4.97 | $11.08 | 55% below | $139.4M | — | 4.2% |
| GEMI | Gemini Space Station, Inc. | $3.57 | — | — | $134.1M | 69.7% | 35.3% |
| AGPU | Axe Compute Inc. | $7.68 | $210.68 | 96% below | $133.9M | -661.5% | -13.4% |
| GREE | Greenidge Generation Holdings Inc. | — | $11.29 | — | — | -140.6% | 23.9% |
| DGXX | Digi Power X Inc. | $2.62 | $3.71 | 29% below | $116.5M | -100.0% | -7.6% |
| TRON | Tron Inc. | $1.11 | — | — | $113.4M | -99.3% | -7.9% |
| LDI | loanDepot, Inc. | $0.53 | $3.48 | 85% below | $99.2M | -2.6% | -1.9% |
| ASST | Strive, Inc. | $24.09 | — | — | $91.3M | -141.5% | 63.9% |
| MGLD | Marygold Companies, Inc. | $1.98 | $1.00 | 98% above | $82.6M | 35.2% | 24.4% |
| AVX | AVAX ONE TECHNOLOGY LTD. | $4.44 | — | — | $73.9M | -170.2% | 1099.1% |
| BENF | Beneficient | $1.05 | $125.92 | 99% below | $70.9M | 160.2% | -60.6% |
| DFDV | DeFi Development Corp. | $3.77 | — | — | $69.6M | -273.2% | 74.3% |
| FGNXP | FG Nexus Inc. | $26.00 | — | — | $69.3M | -20.1% | -25.0% |
| BKKT | Bakkt, Inc. | $5.59 | — | — | $67.6M | -1101.8% | 141.4% |
| TONX | TON Strategy Co | $2.68 | — | — | $67.3M | -109.0% | 160.6% |
| MGTE | Marblegate Capital Corp | $0.90 | $4.98 | 82% below | $63.9M | 0.5% | 131.1% |
| MVNC | Marvion Inc. | $0.18 | — | — | $60.4M | 95.2% | 243.2% |
| CNTN | Canton Strategic Holdings, Inc. | $1.70 | — | — | $54.3M | -305.1% | — |
| EMPD | Empery Digital Inc. | $2.92 | — | — | $54.0M | -754.6% | 21.4% |
| SUIG | SUI Group Holdings Ltd. | $1.34 | $1.00 | 34% above | $53.9M | 119.6% | 121.8% |
| HSDT | Solana Co | $2.24 | — | — | $49.4M | 3361.3% | 2.0% |
| FWDI | Forward Industries, Inc. | $6.91 | — | — | $46.9M | -16.6% | -4.5% |
| ORBS | Eightco Holdings Inc. | $0.74 | $0.37 | 100% above | $46.8M | -783.8% | 43.1% |
| BTCS | BTCS Inc. | $1.13 | $9.13 | 88% below | $37.5M | 149.3% | 53.2% |
| VRME | VerifyMe, Inc. | — | $16.28 | — | — | -306.6% | 96.8% |
| USBC | USBC, Inc. | $0.44 | $0.67 | 34% below | $27.7M | 166.0% | -5.2% |
| SLNH | Soluna Holdings, Inc | $0.67 | $1.33 | 50% below | $19.5M | -195.8% | 17.3% |
| LMFA | LM FUNDING AMERICA, INC. | — | $3.81 | — | — | -82.7% | 6.8% |
| BCG | Binah Capital Group, Inc. | $1.02 | $0.76 | 34% above | $17.3M | -8.3% | 6.7% |
| ZSQR | Z Squared Inc. | $4.03 | — | — | $17.1M | -4.3% | 106.5% |
| FGNX | FG Nexus Inc. | $6.06 | — | — | $16.2M | -20.1% | -25.0% |
| HYPD | HYPERION DEFI, INC. | $2.84 | $198.20 | 99% below | $14.2M | 47.6% | -16.5% |
| TAOX | TAO Synergies Inc. | $3.34 | — | — | $11.0M | -56.7% | — |
| UPXI | UPEXI, INC. | $0.97 | $0.87 | 11% above | $7.7M | -68.3% | 16.4% |
| ANY | Sphere 3D Corp. | $2.05 | $190.50 | 99% below | $6.0M | -119.1% | -19.2% |
| BGDE | Big Digital Energy, Inc. | $4.56 | — | — | $5.4M | -58.8% | 200.4% |
| MGTI | MGT CAPITAL INVESTMENTS, INC. | $0.00 | — | — | $3.6M | 812.3% | -13.3% |
| IONI | I-ON Digital Corp. | $0.11 | — | — | $3.4M | -65.1% | -15.4% |
| CRSF | Crisp Momentum Inc. | $0.01 | — | — | $3.3M | 507.8% | 8.0% |
| NCPL | Netcapital Inc. | $2.17 | $20.93 | 90% below | $3.0M | -102.8% | 39.0% |
| HSCS | HeartSciences Inc. | $3.02 | $364.99 | 99% below | $2.8M | 168.8% | -26.0% |
| AIXC | AIxCrypto Holdings, Inc. | $1.16 | — | — | $2.8M | -261.0% | 7.6% |
| STQN | STRATEGIC ACQUISITIONS INC /NV/ | $0.38 | $0.37 | 3% above | $2.5M | -172.4% | -25.9% |
| WDLF | Decentral Life, Inc. | $0.00 | — | — | $2.2M | 5214.8% | 35.2% |
| VMNT | Vemanti Group, Inc. | $0.02 | $0.16 | 88% below | $1.4M | -460.7% | -8.8% |
| BTCT | BTC Digital Ltd. | $0.74 | — | — | $1.1M | 12.0% | -23.3% |
| PAPL | Pineapple Financial Inc. | $0.89 | $16.40 | 95% below | $592.6K | -328.6% | -6.0% |
| SHFS | SHF Holdings, Inc. | $0.14 | — | — | $420.7K | 5.4% | 2.3% |
| ABIT | Athena Bitcoin Global | $0.00 | $0.08 | — | $409.5K | 64.4% | 151.3% |
| STSS | Sharps Technology Inc. | — | — | — | — | -133.6% | — |
| BNBX | BNB PLUS CORP. | $0.10 | $683.26 | 100% below | $54.4K | 1790.5% | -7.2% |
| NBND | NetBrands Corp. | $0.00 | $1.28 | — | $29.8K | 3157.3% | -41.3% |
| GSMT | Global-Smart.Tech | — | — | — | — | 80.6% | — |
| ZSTK | ZeroStack Corp. | $4.00 | — | — | $11.0K | -200.9% | 41.2% |
| CBLO | C2 Blockchain, Inc. | $0.03 | — | — | — | 211.2% | — |
| TBH | Brag House Holdings, Inc. | — | $216.36 | — | — | 114.3% | -100.0% |
Stock lists
Undervalued Stocks Below Graham Intrinsic Value
Highest ROIC Stocks (10-Year Average)
Highest Free Cash Flow Yield Stocks
Fastest-Growing Stocks by 10-Year Revenue