Tax-loss harvesting alternatives for CACC

Among the 28 Specialized Finance peers screened, NATL (NCR Atleos) has tracked CACC most closely over the past year, with a return correlation of 0.38. The strongest fund stand-in is IPAY (ETFMG Prime Mobile Payments) at 0.47 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
NATL	NCR Atleos	Transaction & Payment Processing Services	0.38	0.32	—	—
GPN	Global Payments	Transaction & Payment Processing Services	0.37	0.45	0.40	0.40
EEFT	Euronet Worldwide	Transaction & Payment Processing Services	0.33	0.42	0.42	0.40
XYZ	Block Inc. (Square)	Transaction & Payment Processing Services	0.32	0.37	0.41	0.34
WD	Walker & Dunlop, Inc.	Commercial & Residential Mortgage Finance	0.32	0.43	0.46	0.43
EQH	Equitable Holdings	Diversified Financial Services	0.32	0.43	0.46	0.48
FOUR	Shift4	Transaction & Payment Processing Services	0.31	0.32	0.34	0.27
JEF	Jefferies	Multi-Sector Holdings	0.31	0.42	0.43	0.43
TOST	Toast, Inc.	Transaction & Payment Processing Services	0.30	0.35	0.37	—
FISV	Fiserv	Transaction & Payment Processing Services	0.29	0.24	0.28	0.32
NMIH	NMI Holdings, Inc.	Commercial & Residential Mortgage Finance	0.29	0.38	0.39	0.40
RELY	Remitly	Transaction & Payment Processing Services	0.27	0.18	0.24	—
PYPL	PayPal Holdings	Transaction & Payment Processing Services	0.27	0.34	0.37	0.32
CPAY	Corpay	Transaction & Payment Processing Services	0.26	0.39	0.42	0.39
EVTC	EVERTEC, Inc.	Transaction & Payment Processing Services	0.26	0.31	0.32	0.36
MA	Mastercard Inc.	Transaction & Payment Processing Services	0.26	0.33	0.36	0.38
VOYA	Voya Financial	Multi-Sector Holdings	0.26	0.37	0.40	0.45
WEX	WEX Inc.	Transaction & Payment Processing Services	0.24	0.36	0.38	0.39
ESNT	Essent Group Ltd.	Commercial & Residential Mortgage Finance	0.23	0.37	0.44	0.37
SEZL	Sezzle	Transaction & Payment Processing Services	0.22	0.24	0.22	—
PAYO	Payoneer Global Inc.	Transaction & Payment Processing Services	0.22	0.25	0.27	—
ACT	Enact Holdings, Inc.	Commercial & Residential Mortgage Finance	0.22	0.32	0.31	—
FIS	Fidelity National Info	Transaction & Payment Processing Services	0.21	0.27	0.28	0.32
WU	Western Union	Transaction & Payment Processing Services	0.19	0.29	0.32	0.34
HASI	Hannon Armstrong Sustainable Infrastructure Capital, Inc.	Specialized Finance	0.19	0.31	0.35	0.34
V	Visa Inc.	Transaction & Payment Processing Services	0.19	0.32	0.34	0.38
EFC	Ellington Financial, Inc.	Specialized Finance	0.18	0.34	0.39	0.32
JKHY	Jack Henry & Associates	Transaction & Payment Processing Services	0.15	0.21	0.25	0.27

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
IPAY	ETFMG Prime Mobile Payments	Payments	SUB-IND	0.47	0.54	0.54	0.50
KBE	SPDR S&P Bank ETF	Banks	INDUSTRY	0.44	0.55	0.54	0.53
VFH	Vanguard Financials ETF	Financials Sector	SECTOR	0.43	0.54	0.56	0.54
KRE	SPDR S&P Regional Banking ETF	Regional Banks	SUB-IND	0.43	0.54	0.52	0.52
XLF	Financial Select Sector SPDR	Financials Sector	SECTOR	0.42	0.51	0.53	0.52
FINX	Global X FinTech ETF	FinTech	SUB-IND	0.41	0.50	0.51	0.46
IYF	iShares US Financials ETF	Financials Sector	SECTOR	0.41	0.51	0.54	0.55
KBWB	Invesco KBW Bank ETF	Large Banks	INDUSTRY	0.39	0.53	0.52	0.52
IAI	iShares Broker-Dealers & Exchanges	Capital Markets	INDUSTRY	0.35	0.47	0.50	0.49
ARKF	ARK Fintech Innovation ETF	FinTech (Active)	SUB-IND	0.35	0.45	0.48	0.42
KIE	SPDR S&P Insurance ETF	Insurance	INDUSTRY	0.27	0.35	0.42	0.47
IAK	iShares US Insurance ETF	Insurance	INDUSTRY	0.19	0.28	0.36	0.44

NEXT STEPS

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Replacement research for CACC's peers

NATL GPN EEFT XYZ WD EQH FOUR JEF TOST FISV NMIH RELY PYPL CPAY EVTC MA VOYA WEX ESNT SEZL PAYO ACT FIS WU HASI V EFC JKHY

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.