8 bnpl stocks to watch

Considering investing in bnpl stocks? While the best bnpl stocks depend on your portfolio and investment goals, we've identified some bnpl stocks that are worth keeping an eye on in the buy now, pay later sector. Keep reading to learn more about bnpl stocks and how to start investing.

8 popular bnpl stocks to watch

We round up a selection of stocks in or related to the buy now, pay later industry, weighting the list more heavily towards popular mid- and large-cap stocks.

Best stock	1-year return	Market cap	Exchange	Volume	Buy now on CIBC Investor's Edge
PayPal (PYPL.US)	-29.95% PayPal's 1-year return based on the closing price as of December 4, 2024.	$59.9 billion (USD)	NASDAQ	10,553,329	Buy now
Klarna Group (KLAR.US)	(data unavailable)	$13.9 billion (USD)	NYSE	(data unavailable)	Buy now
Affirm (AFRM.US)	(data unavailable)	$23.4 billion (USD)	NASDAQ	(data unavailable)	Buy now
Sezzle (SEZL.US)	(data unavailable)	$2.1 billion (USD)	NASDAQ	(data unavailable)	Buy now
Visa IncClass A (V.US)	6.61% Visa IncClass A's 1-year return based on the closing price as of December 4, 2024.	$649.1 billion (USD)	NYSE	7,082,250	Buy now
American Express Company (AXP.US)	20.71% American Express Company's 1-year return based on the closing price as of December 4, 2024.	$254.2 billion (USD)	NYSE	872,294	Buy now
Mastercard (MA.US)	4.38% Mastercard's 1-year return based on the closing price as of December 4, 2024.	$491.8 billion (USD)	NYSE	2,225,900	Buy now
N/A (SHOP.TO)	(data unavailable)	(data unavailable)	N/A	(data unavailable)	Buy now

The values in this table are accurate as of the market close on December 4, 2025, or the most recent data available. Volume refers to the number of shares traded during the day.

What to look for when investing in bnpl stock

The buy now, pay later industry is affected by a range of complex factors such as trade policies, regulations, and fluctuating supply and demand. So when considering bnpl stocks to buy, it's important that you have access to vital information about a company's financial health, leadership team, and market positioning.

Also keep in mind that, while volatility can be ideal for day traders, long-term investors will want to look for stocks to offer steadier gains over time.

How to invest in bnpl stock

1. Research the buy now, pay later industry. Before investing, learn about the bnpl stock sector, its trends and the companies within it. Look at each company's financial health, potential for growth and past performance to identify stocks that fit your investment goals.
2. Choose a stock trading platform. Compare trading fees, access to trading tools and user interface options. We've identified reliable trading platforms to help narrow down your options below or check out the best stock trading apps in Canada to find one that suits your needs.
3. Open and fund your account. Sign up with your personal details and link a bank account or funding method to deposit money before you start trading.
4. Select the bnpl stock(s) to buy. Search by company name or ticker symbol, like PYPL or KLAR. Compare key metrics such as market cap, price history and earnings per share to pick the best stock for your strategy.
5. Buy the stock and monitor performance. Place your order to buy the stock and track its performance over time. Consider setting alerts, signing up for industry newsletters or using platform research tools to stay up to date on market changes.

Our top picks for where to buy bnpl stocks

Are bnpl stocks a good investment?

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.

What are the best bnpl stocks?

A lot of factors go into picking the best bnpl stocks. Stock performance can be impacted by factors like market conditions, company decisions and global events. Plus, what may be a strong bnpl stock investment for one person might not be suitable for another.

That said, we rounded up this list of popular bnpl stocks in or related to the buy now, pay later industry to help narrow down your options:

• PayPal (PYPL)
• Klarna Group (KLAR)
• Affirm (AFRM)
• Sezzle (SEZL)
• Visa IncClass A (V)
• American Express Company (AXP)
• Mastercard (MA)
• N/A (N/A)

Keep in mind that this is not a "best" list or a recommendation. It highlights some bnpl stocks for informational purposes only and does not indicate past or future performance or investment advice. We do not guarantee any investment performance.

We've outlined detailed company and stock performance details for each bnpl stock below. Keep reading to decide if any of these companies are the right investment for you.

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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.

Closing stock price	$62.58
Market Capitalization The total market value of PayPal's outstanding shares	$59.9 billion
Gross profit (TTM)	$13.7 billion
Profit margin	14.96%
Revenue (TTM)	$32.9 billion
Earnings per share (TTM)	$4.98
52-week stock price range	$55.72 – $93.44

All dollar amounts in this table are in USD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on November 30, 2025.

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Klarna Group (KLAR)

Klarna Group plc operates as a technology-driven payments company in the United Kingdom, the United States, Germany, Sweden, and internationally. The company provides payment, advertising, and digital retail banking solutions to consumers and merchants. It offers Klarna App that creates holistic commerce destination experience for consumers.

Market Capitalization The total market value of Klarna Group's outstanding shares	$13.9 billion
Gross profit (TTM)	$2.2 billion
Profit margin	-3.17%
Revenue (TTM)	$3 billion
Earnings per share (TTM)	-$0.30
52-week stock price range	$27.90 – $57.20

All dollar amounts in this table are in USD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on December 4, 2025.

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Affirm (AFRM)

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.

Market Capitalization The total market value of Affirm's outstanding shares	$23.4 billion
Gross profit (TTM)	$1.7 billion
Profit margin	6.74%
Revenue (TTM)	$3.5 billion
Earnings per share (TTM)	$0.69
52-week stock price range	$30.90 – $100.00

All dollar amounts in this table are in USD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on December 4, 2025.

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Sezzle (SEZL)

Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company offers payment solution in-store and at online retail stores; and through proprietary payments solution that connects consumers with merchants for instantly extends credit at the point-of-sale.

Market Capitalization The total market value of Sezzle's outstanding shares	$2.1 billion
Gross profit (TTM)	$299.9 million
Profit margin	27.66%
Revenue (TTM)	$418.6 million
Earnings per share (TTM)	$3.25
52-week stock price range	$24.86 – $186.74

All dollar amounts in this table are in USD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on December 4, 2025.

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Visa IncClass A (V)

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.

Closing stock price	$330.39
Market Capitalization The total market value of Visa IncClass A's outstanding shares	$649.1 billion
Gross profit (TTM)	$39.1 billion
Profit margin	50.15%
Revenue (TTM)	$40 billion
Earnings per share (TTM)	$10.20
52-week stock price range	$297.38 – $374.10

All dollar amounts in this table are in USD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on November 30, 2025.

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American Express Company (AXP)

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.

Closing stock price	$365.27
Market Capitalization The total market value of American Express Company's outstanding shares	$254.2 billion
Gross profit (TTM)	$41.9 billion
Profit margin	16.14%
Revenue (TTM)	$65.3 billion
Earnings per share (TTM)	$14.90
52-week stock price range	$219.32 – $377.23

All dollar amounts in this table are in USD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on November 27, 2025.

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Mastercard (MA)

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from a physical card and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions.

Closing stock price	$543.97
Market Capitalization The total market value of Mastercard's outstanding shares	$491.8 billion
Gross profit (TTM)	$31.5 billion
Profit margin	45.28%
Revenue (TTM)	$31.5 billion
Earnings per share (TTM)	$15.67
52-week stock price range	$463.61 – $600.98

All dollar amounts in this table are in USD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on November 30, 2025.

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N/A (N/A)

N/A. . .

All dollar amounts in this table are in N/A. TTM refers to the "trailing 12 months." All values are accurate as of the market close on December 4, 2025.

Compare trading platforms to buy BNPL stock

Compare special offers, low fees and a wide range of investment options among popular trading platforms in Canada. Note that the dollar amounts in the table below are in CAD.

Related: Compare the best stock trading platforms in Canada

Bottom line

If you're considering adding bnpl stocks to your portfolio, make sure you thoroughly look into any companies before investing to help mitigate risk. We've compiled a list of bnpl stocks to help narrow down your options. Then choose a legitimate stock trading platform to start investing. After that it comes down to monitoring the buy now, pay later industry to know when to buy, sell or hold.

Related: How to buy stocks in Canada

Frequently asked questions about bnpl stocks

• What are bnpl stocks?

  Bnpl stocks are shares of companies that either directly work in the bnpl sector or operate within related industries. Investors interested in buying bnpl stocks may be looking to take advantage of market trends or lock in investments for the long haul.

• What is the top bnpl stock to buy in 2025?

  Unfortunately, it's almost impossible to choose a single "top" bnpl stock to invest in due to factors like market fluctuations, company management and shifting economic trends. These can all change—sometimes overnight—how a stock performs. It's best to do your own research to decide which companies fit within your risk tolerance. Reviewing a company's financial reports and past stock performance can help you decide if it's worth investing in.

• Where can I find information and regular updates about the buy now, pay later industry?

  You can keep track of the latest buy now, pay later news and updates by signing up for financial newsletters, visiting financial news sites, reading company investor relations pages and using market research platforms. Many online brokerages also offer sector reports, stock screeners and alerts to help you track movements in your stock performance or updates in or related to the buy now, pay later industry.

Check these other commodities and investment sectors

If you're thinking about diversifying your portfolio and investing in sectors beyond bnpl stocks, here are some others you can consider:

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