LATR - ETF AI Analysis
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Corgi Buy Now Pay Later ETF (LATR)
Rating:70Neutral
Price Target:―
Positive Factors
Strong Year-to-Date Performance
The ETF has delivered solid gains so far this year, showing that its buy now, pay later theme has recently worked well for investors.
Top Holdings with Strong Momentum
Several key positions, such as Bread Financial, Sezzle, and Block, have shown strong performance, helping support the fund’s overall returns.
Moderate Expense Ratio
The fund’s expense ratio is reasonable for a specialized thematic ETF, allowing investors to access this niche area without extremely high ongoing costs.
Negative Factors
High Sector Concentration in Financials
With a large majority of assets in financial companies, the ETF is heavily exposed to risks specific to that sector.
Significant Exposure to Weak or Lagging Holdings
Several notable positions, including Sea, Shopify, Synchrony Financial, and Nu Holdings, have shown weak performance, which can drag on the fund’s results.
Limited Geographic Diversification
The ETF is overwhelmingly invested in U.S. companies, offering little protection if the U.S. market or economy faces a downturn.
LATR vs. SPDR S&P 500 ETF (SPY)
AUM905.14K
RegionGlobal
Expense Ratio0.35%
Beta1.00
IssuerCorgi
Inception DateMay 06, 2026
Dividend YieldN/A
Asset ClassEquity
Index TrackedNo Underlying Index
Share Statistics
EPS (TTM)N/A
Shares OutstandingN/A
10 Day Avg. Volume430
30 Day Avg. Volume885
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
33.66Price Target Upside― Downside
Rating ConsensusModerate Buy
Number of Analyst Covering22
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
LATR Summary
The Corgi Buy Now Pay Later ETF (LATR) is an actively managed fund that focuses on companies involved in “buy now, pay later” and point-of-sale financing, a theme tied to the growth of online shopping and flexible payment options. It mainly holds financial and technology firms that help people split purchases into installments and help merchants offer quick credit at checkout. Well-known holdings include Visa and Mastercard. Someone might invest for potential growth from the rising use of digital payments and BNPL services. However, this ETF can be volatile and is heavily exposed to fintech and consumer credit trends, so its value can rise or fall sharply.
How much will it cost me?This ETF has an expense ratio of 0.35%, which means you’ll pay about $3.50 per year for every $1,000 you invest. That’s higher than the cost of many simple index ETFs because this fund is actively managed, with managers picking and adjusting holdings in the buy now, pay later and fintech space.
What would affect this ETF?This ETF could benefit if online shopping keeps growing, more shoppers choose buy now, pay later options, and large payment companies like Visa and Mastercard continue to expand their digital payment networks worldwide. On the other hand, it could be hurt by higher interest rates that strain consumer borrowing, new regulations that restrict BNPL lending, rising loan losses in consumer finance, or a downturn in global economic growth that reduces spending at checkout.
LATR Top 10 Holdings
LATR leans heavily on global payments giants Visa and Mastercard, which have been steady to rising anchors for the fund and help smooth out some of the fintech turbulence. On the flashier side, BNPL pure plays like Affirm and Sezzle are more of a roller coaster—Sezzle has been a bright spot lately, while Affirm’s momentum has been mixed. Shopify and Sea, both tied to e-commerce and digital wallets, have been lagging, which can tug on returns. Overall, this is a globally diversified but thematically concentrated bet on digital payments and buy now, pay later.
Name | Company Name | Weight % | Market Value | Market Cap | Yearly Gain | Overall Rating |
|---|---|---|---|---|---|---|
| Visa | 11.42% | $106.18K | $675.95B | 6.90% | 70 Outperform | |
| Mastercard | 10.99% | $102.18K | $486.97B | -2.27% | 75 Outperform | |
| Sea | 5.56% | $51.74K | $63.50B | -44.04% | 69 Neutral | |
| Affirm Holdings | 5.13% | $47.75K | $24.22B | -13.25% | 71 Outperform | |
| Shopify | 5.09% | $47.31K | $189.39B | -1.47% | 77 Outperform | |
| Bread Financial Holdings | 4.80% | $44.60K | $3.95B | 68.21% | 72 Outperform | |
| Block | 4.69% | $43.63K | $46.58B | 1.36% | 72 Outperform | |
| Sezzle Inc. | 4.65% | $43.24K | $3.70B | 27.51% | 80 Outperform | |
| Synchrony Financial | 4.57% | $42.52K | $23.64B | -2.77% | 72 Outperform | |
| Nu Holdings | 4.49% | $41.73K | $68.40B | -11.56% | 79 Outperform |
LATR Technical Analysis
Negative
―
Price Trends
27.77
Negative
Market Momentum
-0.48
Positive
36.93
Neutral
7.14
Positive
Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For LATR, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 27.14, equal to the 50-day MA of 27.77, and equal to the 200-day MA of ―, indicating a neutral trend. The MACD of -0.48 indicates Positive momentum. The RSI at 36.93 is Neutral, neither overbought nor oversold. The STOCH value of 7.14 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LATR.
LATR Peer Comparison
Comparison Results
Performance Comparison
LATR
Corgi Buy Now Pay Later ETF
26.08
1.27
5.12%
FFND
Future Fund Active ETF
―
―
―
FITZ
Fitz-Gerald Must Have Portfolio ETF
―
―
―
HECO
SPDR Galaxy Hedged Digital Asset Ecosystem ETF
―
―
―
BCFN
Baron Financials ETF
―
―
―
GSIB
Themes Global Systemically Important Banks ETF
―
―
―
Glossary
BuyAn ETF rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF is likely to deliver higher returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldAn ETF rated as a "Hold" s expected to perform in line with the overall market or a specific benchmark. This rating indicates that the ETF is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellAn ETF rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF may deliver lower returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
DisclaimerThis AI Analyst ETF Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in ETFs carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: ―
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