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 on Questrade
PayPal (PYPL.US)	-16.04% PayPal's 1-year return based on the closing price as of November 5, 2025.	$48.8 billion (USD)	NASDAQ	15,362,700	Buy now
Klarna Group (KLAR.US)	-62.79% Klarna Group's 1-year return based on the closing price as of November 5, 2025.	$5 billion (USD)	NYSE	8,400,373	Buy now
Affirm (AFRM.US)	5.69% Affirm's 1-year return based on the closing price as of November 5, 2025.	$24.7 billion (USD)	NASDAQ	6,742,139	Buy now
Sezzle (SEZL.US)	117.73% Sezzle's 1-year return based on the closing price as of November 4, 2025.	$4.4 billion (USD)	NASDAQ	522,008	Buy now
Visa IncClass A (V.US)	21.63% Visa IncClass A's 1-year return based on the closing price as of November 5, 2025.	$795.3 billion (USD)	NYSE	7,076,200	Buy now
American Express Company (AXP.US)	-9.08% American Express Company's 1-year return based on the closing price as of November 5, 2025.	$219.9 billion (USD)	NYSE	3,873,053	Buy now
Mastercard (MA.US)	21.57% Mastercard's 1-year return based on the closing price as of November 5, 2025.	$573.3 billion (USD)	NYSE	4,573,861	Buy now
Shopify (SHOP.TO)	(data unavailable)	$280 billion (CAD)	Toronto Stock Exchange	1,673,897	Buy now

The values in this table are accurate as of the market close on October 29, 2026, 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)
• Shopify (SHOP)

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. The company 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 and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards.

It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names.

Closing stock price	$57.01
Market Capitalization The total market value of PayPal's outstanding shares	$48.8 billion
Gross profit (TTM)	$13.9 billion
Profit margin	13.78%
Revenue (TTM)	$34.3 billion
Earnings per share (TTM)	$5.24
52-week stock price range	$38.12 – $67.46

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 October 29, 2026.

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Klarna Group (KLAR)

Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company offers payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration.

It also provides advertising solutions that include sponsored search, affiliate programs, and brand advertisement; digital retail banking solutions, such as deposit and saving account, financial insights, and Klarna balance that allow consumer to hold monetary balance with Klarna balance solutions; and payment channels, including Klarna payment, Klarna app, Klarna card, and Klarna in-store.

Closing stock price	$13.65
Market Capitalization The total market value of Klarna Group's outstanding shares	$5 billion
Gross profit (TTM)	$1.5 billion
Profit margin	-3.52%
Revenue (TTM)	$4 billion
Earnings per share (TTM)	-$0.37
52-week stock price range	$12.06 – $38.19

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 October 28, 2026.

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Affirm (AFRM)

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants.

The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time.

Closing stock price	$75.59
Market Capitalization The total market value of Affirm's outstanding shares	$24.7 billion
Gross profit (TTM)	$2.1 billion
Profit margin	45.29%
Revenue (TTM)	$4.3 billion
Earnings per share (TTM)	$5.53
52-week stock price range	$42.10 – $90.44

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 3, 2026.

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Sezzle (SEZL)

Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options.

It also provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform.

Closing stock price	$133.86
Market Capitalization The total market value of Sezzle's outstanding shares	$4.4 billion
Gross profit (TTM)	$398.7 million
Profit margin	30.35%
Revenue (TTM)	$531.9 million
Earnings per share (TTM)	$4.56
52-week stock price range	$49.50 – $195.71

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 October 28, 2026.

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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.

It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a platform which facilitates money movement, enabling clients to collect, hold, convert, and send funds across its network; and issuing solutions, such as airport lounge access, dining reservations, shopping experiences, event tickets, and seller offers.

Closing stock price	$413.59
Market Capitalization The total market value of Visa IncClass A's outstanding shares	$795.3 billion
Gross profit (TTM)	$44.8 billion
Profit margin	51.20%
Revenue (TTM)	$45.9 billion
Earnings per share (TTM)	$12.32
52-week stock price range	$292.74 – $426.78

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 October 29, 2026.

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American Express Company (AXP)

American Express Company, together with its subsidiaries, operates as an 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.

The company offers credit and charge cards and complementary products and services, including travel, dining, and lifestyle and expense management products and services; and banking and other payment and financing products and services, including deposits and non-card lending.

Closing stock price	$332.59
Market Capitalization The total market value of American Express Company's outstanding shares	$219.9 billion
Gross profit (TTM)	$45.1 billion
Profit margin	16.82%
Revenue (TTM)	$72.9 billion
Earnings per share (TTM)	$17.75
52-week stock price range	$288.37 – $383.18

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 3, 2026.

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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 products and 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 an existing account and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions.

Closing stock price	$672.68
Market Capitalization The total market value of Mastercard's outstanding shares	$573.3 billion
Gross profit (TTM)	$36.3 billion
Profit margin	46.73%
Revenue (TTM)	$36.3 billion
Earnings per share (TTM)	$19.71
52-week stock price range	$463.04 – $661.34

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 3, 2026.

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Shopify (SHOP)

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.

It also provides Shopify Payments, a fully integrated payment processing service that allows merchants to accept and process payment cards online and offline.

Closing stock price	C$220.37
Market Capitalization The total market value of Shopify's outstanding shares	C$280 billion
Gross profit (TTM)	C$6.3 billion
Profit margin	14.53%
Revenue (TTM)	C$13.3 billion
Earnings per share (TTM)	C$2.05
52-week stock price range	C$129.01 – C$255.95

All dollar amounts in this table are in CAD. TTM refers to the "trailing 12 months." All values are accurate as of the market close on October 29, 2026.

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. 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 2026?

  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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