Nasdaq Correction Have You Worried? 3 Unstoppable Stocks to Buy Hand Over Fist Right Now.

Oscar Health began 2026 with 3.4 million members and guides $250–$450 million in income from operations for 2026, trading at roughly $3.3B market cap. Adyen reported H2 revenue growth of 21% YoY with ~55% EBITDA margins and now trades at a P/E of ~26 after a >50% drawdown from highs. Remitly grew revenue 26% YoY to $442M with a record 9% operating margin, market cap ~$3.1B and shares down ~69% from peak. Context: the Nasdaq-100 is >10% off highs amid Iran-related oil/inflation concerns, creating a broad market correction opportunity for select names.

Analysis

Market dislocations in tech-and-payments are creating idiosyncratic opportunities rather than a uniform sector reset. For enterprise processors, the key optionality is take-rate mix: small increases in cross-border, value-add services (wallets, BNPL, SMB onboarding) can expand EBITDA margins materially because most incremental revenue drops to the bottom line once platform costs are amortized. That levered mix effect makes earnings sensitive to product adoption curves over 6–18 months rather than raw top-line growth alone.

For remittance specialists, the pivot from cash rails to digital is a structural advantage but brings new margin and credit vectors. Introducing credit-forward products (e.g., “send now, pay later”) converts a pure payment flow into a lending book, exposing companies to vintage credit losses and funding spread volatility; under stress (FX shocks, local employment drawdowns) loss rates can spike within 2–3 quarters and reverse headline profitability. Regulatory and AML upgrades will also raise per-transaction operating cost, concentrating advantage with scale players who can amortize compliance spend across volume.

Healthcare insurers with tech-first distribution have asymmetric upside from enrollment and pricing resets but asymmetric downside from claim-cost inflation and provider contracting. In the near term (quarters), benefit accruals and reinsurance terms matter most; over 12–36 months, durable unit economics depend on churn, medical-loss-ratio stabilization, and whether tech gains meaningfully compress SG&A per member. Macro shocks (energy-driven inflation, subsidy policy shifts) can flip investor sentiment quickly, so trade structures should account for event risk and optionality rather than binary long-only exposure.

Key Decisions for Investors

• Long RELY (12–18 month LEAPs) financed by selling nearer-term (3–6 month) out-of-the-money calls: targets asymmetric upside if digital remittance adoption and higher-margin products scale, with downside limited to premium paid. R/R: ~2.5x upside if product mix expands; downside limited to premium (~100% of cost) — hedge further with a 20% OTM put if concerned about credit vintage risk.
• Long OSCR equity with protective put (12 month, ~20% OTM) or buy-write structure: this captures rerating potential from pricing/attrition stabilization while capping tail risk from claim-cost shocks or subsidy policy reversals. R/R: aim for 30–60% upside over 12 months with max loss capped to put strike scenario.
• Pair trade — long ADYEY (or equivalent global processor) / short legacy remittance or cash-rail operator (e.g., WU or MGI) for 6–12 months: captures margin expansion from platform leverage and product mix versus incumbents facing structural share loss and higher compliance cost. Position sizing: 60/40 dollar-neutral; target relative outperformance of 25–40% over 12 months.
• Event hedge: buy short-dated puts on consumer discretionary/merchant-exposed names (e.g., SPOT or other high-frequency merchants) to protect payment-volume sensitive exposure over the next 3 months if oil/geopolitical inflation triggers discretionary pullback. Expect these puts to appreciate quickly in a demand-shock scenario; limit cost by staggering expiries.