The best BNPL stocks depend on your portfolio and investment goals — while volatility can be ideal for day traders, long-term investors will want to look to stocks with steadier gains over time.
Top 6 stocks of Dec 2025
The top
buy now, pay later
stocks included on this page all trade on the S&P 500, have an analyst recommendation of "Buy" or better and are sorted by year-to-date performance.
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Set up a funding method to pay for the transaction. Deposit funds into your account by linking your banking information.
Choose the stocks you want to buy. Search for the stock by name or ticker symbol like PYPL or SQ.
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Take a deeper dive into BNPL stocks
If you're interested in investing in the buy now, pay later industry, take a closer look at what companies in this industry do and how the stocks have historically performed. Keep in mind that positive past performance doesn't guarantee that a stock will continue to rise in the future.
1. PayPal (PYPL)
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. It operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards.
PayPal stock opened the day at $60.08 after a previous close of $0.00. The latest price was $61.69 (25-minute delay). PayPal is listed on the NASDAQ, has a trailing 12-month revenue of around USD32.9 billion and employs 24,400 staff.
SQ stock opened the day at $0.00 after a previous close of $0.00. The latest price was $0.00 (25-minute delay). SQ is listed on the NYSE and employs 0 staff.
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app.
Affirm stock opened the day at $70.06 after a previous close of $70.86. The latest price was $69.03 (25-minute delay). Affirm is listed on the NASDAQ, has a trailing 12-month revenue of around USD$3.5 billion and employs 2,206 staff.
Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions.
Visa IncClass A stock opened the day at $332.60 after a previous close of $0.00. The latest price was $345.63 (25-minute delay). Visa IncClass A is listed on the NYSE, has a trailing 12-month revenue of around USD$40 billion and employs 34,100 staff.
Shopify Inc. , a commerce technology company, provides tools to start, scale, market, and run a business of various sizes in Canada, the United States, Europe, the Middle East, Africa, the Asia Pacific, and Latin America. The Company offers Shopify platform that enables merchants to manage products and inventory, process orders and payments, fulfill and ship orders, build customer relationships, source products, leverage analytics, and reporting and access financing for running their business across all of their sales channels, including web and mobile storefronts, physical retail locations, social media storefronts, and marketplaces.
Shopify stock opened the day at $167.48 after a previous close of $168.42. The latest price was $164.75 (25-minute delay). Shopify is listed on the NASDAQ, has a trailing 12-month revenue of around USD$10.7 billion and employs 8,100 staff.
American Express Company, together with its subsidiaries, operates as integrated payments company in the United States, Europe, the Middle East and Africa, the Asia Pacific, Australia, New Zealand, Latin America, Canada, the Caribbean, and Internationally. It operates through four segments: U. S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services.
American Express Company stock opened the day at $376.50 after a previous close of $375.57. The latest price was $384.89 (25-minute delay). American Express Company is listed on the NYSE, has a trailing 12-month revenue of around USD$65.3 billion and employs 75,100 staff.
While it’s possible to turn a profit investing in BNPL stocks, keep in mind that — like any investment — BNPL stocks are not immune to risk. These stocks are subject to fluctuating conditions — both in the market and in the buy now, pay later industry, so carefully vet your picks before you invest. And if you’re new to investing, or if it’s been awhile since you’ve taken a critical look at your investing accounts, compare brokers to make sure you’re getting the best features in your trading account.
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