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Earned Wage Access '26: Secured Short Term Lending
7 tickers · $127.77B total market cap
Group: Earned Wage Access
The Earned Wage Access and Secured Short Term Lending theme presents a compelling investment case driven by strong consumer demand for flexible liquidity, technological advancements in AI-driven underwriting, and strategic market expansion into BNPL. While regulatory scrutiny and credit quality remain key risks, the sector's robust financial performance and innovative funding models suggest a bullish outlook.
Earned Wage Access '26: Secured Short Term Lending tracks 7 publicly listed stocks in this theme: CASH, CHYM, DAVE, GEN, NU, UPBD, XYZ. See the constituent table for details.
Thesis update: 2026-03-02
Constituents
Build 20260520T081747
| Company | Previous Quarter Report Date | Next Expected Report Date | Last Quarter Earnings Move % | Earnings Move % | Intra-Quarter Move % | Since Last Report % | Market cap | Weight |
|---|---|---|---|---|---|---|---|---|
Nu Holdings Ltd.NU | 05/14/2026 (AMC) | 05/14/2026 (AMC) | -10.03% | -4.91% | -13.68% | 0.82% | $59.52B | 14.2857 |
Block, Inc.XYZ | 05/07/2026 (AMC) | 05/07/2026 (AMC) | 16.82% | 5.68% | 10.11% | -7.59% | $41.17B | 14.2857 |
Gen Digital Inc.GEN | 05/07/2026 (AMC) | 05/07/2026 (AMC) | 8.11% | 15.95% | -16.74% | 7.23% | $14.73B | 14.2857 |
Chime Financial, Inc. Class A Common StockCHYM | 05/06/2026 | 05/06/2026 | 4.83% | -8.56% | -1.81% | -11.05% | $6.44B | 14.2857 |
Dave Inc.DAVE | 05/05/2026 (AMC) | 05/05/2026 (AMC) | 5.86% | -11.75% | 25.22% | -2.95% | $3.21B | 14.2857 |
Pathward Financial, Inc.CASH | 04/22/2026 | 04/22/2026 | 7.28% | -10.36% | 14.99% | -8.22% | $1.70B | 14.2857 |
Upbound Group, Inc.UPBD | 04/30/2026 (AMC) | 04/30/2026 (AMC) | 2.61% | 1.32% | -13.26% | -11.05% | $995.1M | 14.2857 |
| Average | 5.07% | -1.81% | 0.69% | -4.69% | $18.25B | 14.2857 | ||
| Median | 5.86% | -4.91% | -1.81% | -7.59% | $6.44B | 14.2857 | ||
| Std Dev | 7.43% | 9.32% | 15.15% | 6.29% | $21.31B | 0.0% | ||
| Min | -10.03% | -11.75% | -16.74% | -11.05% | $995.1M | 14.2857 | ||
| Max | 16.82% | 15.95% | 25.22% | 7.23% | $59.52B | 14.2857 | ||
| % Positive Tickers | 85.71% | 42.86% | 42.86% | 28.57% |
* Provisional value: before LstRpt% reaches its 2-day post-report lock window (BMO/AMC adjusted), EarningsPerf is calculated from current vs pre-report and then locks to final LstRpt%.