Consumer & Business Credit Providers

Own lenders whose core businesses finance households and businesses, rather than exchanges or payment-processing networks. Bank of America, Citigroup and Wells Fargo trade at forward earnings multiples of 9.8x, 9.4x and 10.4x, respectively, providing a valuation-led entry after their recent declines. The opportunity depends on resilient borrowers and disciplined underwriting; worsening credit losses remain the principal risk. Launch basket (equal weight): BAC, C, WFC, JPM, NU, COF, AXP Rules: 1. No inverse, leveraged or volatility ETFs. 2. Only names tradable at the enrolled brokers (Moomoo): no OTC listings, no dead tickers, nothing on the refused list.