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.
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) | -16.55% | $50.3 billion (USD) | NASDAQ | 8,198,566 | Buy now |
| Klarna Group (KLAR.US) | (data unavailable) | $7.7 billion (USD) | NYSE | 2,651,810 | Buy now |
| Affirm (AFRM.US) | 1.54% | $26.3 billion (USD) | NASDAQ | 2,373,101 | Buy now |
| Sezzle (SEZL.US) | 22.46% | $5.2 billion (USD) | NASDAQ | 559,870 | Buy now |
| Visa IncClass A (V.US) | 8.67% | $690 billion (USD) | NYSE | 6,062,771 | Buy now |
| American Express Company (AXP.US) | 18.09% | $227.9 billion (USD) | NYSE | 1,485,347 | Buy now |
| Mastercard (MA.US) | 0.24% | $499.7 billion (USD) | NYSE | 1,898,488 | Buy now |
| Shopify (SHOP.TO) | -5.10% | $235.8 billion (CAD) | Toronto Stock Exchange | 4,969,697 | Buy now |
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.
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:
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.
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 | $57.93 |
|---|---|
| Market Capitalization | $50.3 billion |
| Gross profit (TTM) | $13.8 billion |
| Profit margin | 14.36% |
| Revenue (TTM) | $34.1 billion |
| Earnings per share (TTM) | $5.33 |
| 52-week stock price range | $38.22 – $78.53 |
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 provides 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 ranges from three to 48 months.
It also offers 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 | $20.37 |
|---|---|
| Market Capitalization | $7.7 billion |
| Gross profit (TTM) | $1.4 billion |
| Profit margin | -5.18% |
| Revenue (TTM) | $3.8 billion |
| Earnings per share (TTM) | -$0.52 |
| 52-week stock price range | $12.06 – $57.20 |
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.
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 | $78.47 |
|---|---|
| Market Capitalization | $26.3 billion |
| Gross profit (TTM) | $1.9 billion |
| Profit margin | 9.63% |
| Revenue (TTM) | $4 billion |
| Earnings per share (TTM) | $1.10 |
| 52-week stock price range | $42.10 – $100.00 |
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 | $174.40 |
|---|---|
| Market Capitalization | $5.2 billion |
| Gross profit (TTM) | $357.3 million |
| Profit margin | 30.83% |
| Revenue (TTM) | $480.9 million |
| Earnings per share (TTM) | $4.19 |
| 52-week stock price range | $49.50 – $195.71 |
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 | $368.54 |
|---|---|
| Market Capitalization | $690 billion |
| Gross profit (TTM) | $43.5 billion |
| Profit margin | 50.78% |
| Revenue (TTM) | $44.5 billion |
| Earnings per share (TTM) | $11.75 |
| 52-week stock price range | $293.28 – $373.97 |
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 | $348.99 |
|---|---|
| Market Capitalization | $227.9 billion |
| Gross profit (TTM) | $44.2 billion |
| Profit margin | 16.14% |
| Revenue (TTM) | $70.9 billion |
| Earnings per share (TTM) | $16.77 |
| 52-week stock price range | $287.55 – $384.36 |
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 | $570.48 |
|---|---|
| Market Capitalization | $499.7 billion |
| Gross profit (TTM) | $35.1 billion |
| Profit margin | 46.34% |
| Revenue (TTM) | $35.1 billion |
| Earnings per share (TTM) | $18.14 |
| 52-week stock price range | $463.74 – $598.04 |
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$201.97 |
|---|---|
| Market Capitalization | C$235.8 billion |
| Gross profit (TTM) | C$5.9 billion |
| Profit margin | 10.77% |
| Revenue (TTM) | C$12.4 billion |
| Earnings per share (TTM) | C$1.44 |
| 52-week stock price range | C$129.01 – C$253.10 |
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