The Top Fintech Companies to Invest in for 2025 The Motley Fool

But it might be the most important AI stock in the US owns critical energy infrastructure assets positioned to feed the coming AI energy spike. Currently, about 70% of Pine Labs’ revenue comes from its digital infrastructure and transaction services, while the remaining 30% is generated from its issuing and acquiring businesses, Rau said. The Gurugram-based fintech has set a price band of ₹210–₹221 (about $2.00–$2.50) a share, valuing the company at approximately ₹254 billion (around $2.9 billion) at the upper end of the range. This represents a decline of about 40% from its last private valuation of over $5 billion in 2022. By end use, the market is segmented into banks, financial institutions, insurance companies, and others.

Crypto is not insured by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation. With that said, fintech has the potential to disrupt parts of the payment and money transfer, lending, personal finance, insurance, and real estate services industries. The rapid growth of fintech thus far suggests investors may want to consider exploring these relatively new waters.

Investing Tools

Financial organizations are hesitant to use AI tools directly with customers because of regulatory sensitivities. Within a year, Morgan Stanley introduced its “Debrief” assistant, which OpenAI powers. Financial technology can bridge the gap between unbanked and underbanked populations in many parts of the Middle East & Africa, offering access to essential financial services.

Global X Funds – Global X FinTech ETF

Such opportunities could involve blockchain technology or decentralized finance. The company makes its mark as a platform that consumers can use to buy, store, and sell cryptocurrencies. This share price is likely only to grow as Upstart continues to lock in financial partners.

Sezzle is a buy now-pay later (BNPL) fintech company that launched in 2016. Its digital payment platform provides an alternative for millions of consumers with limited access to traditional credit. Fintech, or financial technology, has become an integral part of everyday life, and many US fintech stocks are seeing success.

• The financial technology industry has never been static; rather, it thrives on challenging the status quo.
• Fintech companies include, for instance, those that create and run person-to-person payment applications and those that develop innovative digital payment processing solutions.
• StrictlyVC concludes its 2025 series with an exclusive event featuring insights from leading VCs and builders, and opportunities to forge meaningful connections.
• Cloud computing offers fintech service providers the ability to scale their infrastructure and services according to demand.
• There is also the potential for established financial companies to adopt fintech strategies or leverage their dominant positions.

High Growth Fintech Stocks

In South America, financial technology facilitates cross-border payments, reducing remittance costs and supporting international trade and financial transactions in a region with significant cross-border activities. These factors play a vital role in the prominent growth of the market in the region. These companies may face scepticism from customers who are used to traditional financial institutions. These factors are anticipated to restrict the market growth in the coming years. Ensuring data privacy and compliance with data protection regulations such as GDPR can be challenging.

It achieved this by providing customers in the region with an easy-to-use app, as an increasing portion of the population gains access to cellphones. It also offers better loan rates, which was a massive problem in the region when only a few banks were essentially operating as an oligopoly. Looking forward, SoFi will focus on cross-selling more products and deepen its customer relationships. It will also focus on expanding its technology platform segment, enabling non-bank entities to offer banking products to their customers and further broadening its reach in the financial ecosystem. SoFi Technologies (SOFI 1.42%) has become a one-stop shop for customers’ financial needs.

While the world is distracted by flashy AI tickers, a few smart investors are quietly scooping up shares of the one company powering it all from behind the scenes. Each ChatGPT query, each model update, each robotic breakthrough consumes massive amounts of energy. You can discover everything about this company and its groundbreaking technology right now. In fact, Verge argues this company’s supercheap AI technology should concern rivals.

Interactive Brokers Group

All these factors are expected to support the regional market growth during the forecast period. North America, particularly Silicon Valley, is a global centre for fintech innovation. Financial technology leverages this environment to drive continuous innovation in financial services. The growing need for customization, regulatory compliance, cross-selling opportunities, and FinTech industry trends are some of the key factors driving market growth in the region. Acquiring a bank charter a few years ago was a significant move, as it enabled SoFi to build deposits, fund lending, expand its balance sheet, and access low-cost capital.

CEO Brian Moynihan and his team have done a great job of improving asset quality and focusing on efficiency. Bank of America has been named the No. 1 bank for “Online Banking and Mobile Banking Functionality” by Javelin, as well as the “Best Consumer Digital Bank in the U.S.” by Global Finance. With more than $11 billion in cash and investments on the balance sheet and more than $6 billion in annualized free cash flow, PayPal has the financial flexibility to pursue opportunities as they arise.

• Founded in 2015, Root is the parent company of Root Insurance Company, which through the Root app brings data science and technology to the auto insurance market.
• Microsoft (MSFT -0.60%), Uber (UBER -6.89%), and McDonald’s (MCD +0.48%) all rely on Adyen for their payment processing needs.
• This has only helped boost its customer count and the number of products used by customers.
• Root achieved net income profitability for the first time in its history on both a quarter-to-date and year-to-date basis.
• Will these emerging fintech companies become established within the financial services world?

She has covered a wide variety of industries in the investment space including mining, cannabis, tech and pharmaceuticals. She helps to educate investors about opportunities in a variety of growth markets. Melissa holds a bachelor’s degree in English education as well as a master’s degree in the teaching of writing, both from Humboldt State University, California. In its October 2024 operating data report released on November 11, Robinhood reported funded customers at the end of October were 24.4 million, which was up over 1 million year-over-year. Additionally, assets under custody totaled US$159.7 billion, up 5 percent from September 2024 and up 89 percent year-over-year. The following month, the company reported its November 2024 operating data, which showed funded customers had grown to 24.8 million and assets under custody hit US$195 billion.

The company’s Q financials report was also a significant catalyst for the stock. Root achieved net income profitability for the first time in its history on both a quarter-to-date and year-to-date basis. Shares in Root grew by nearly 69 percent from US$40.49 on October 30 to US$68.39 on October 31. One little-known company—almost entirely overlooked by most AI investors—could be the ultimate backdoor play.

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

But, unlike the other major payment processing tech companies, Adyen focuses almost exclusively on large businesses. Microsoft (MSFT -0.60%), Uber (UBER -6.89%), and McDonald’s (MCD +0.48%) all rely on Adyen for their payment processing needs. You may recall that eBay dropped PayPal as its preferred payment processor several years ago; that was in favor of Adyen.

Many countries in the region have high mobile penetration rates, making financial technology solutions that cater to mobile users highly accessible. These institutions can tailor these services to meet their specific needs and adapt to evolving market demands. Nu Holdings is expanding its offerings to deepen customer engagement and cross-sell. Beyond core banking and credit products, it now offers NuTravel, NuCel (a mobile service), and Nu Marketplace (a platform for curated shopping and services). These additions complement its financial services business as it diversifies its earnings.

This is one of the latest examples where fintech—which is short for financial technology—is encroaching on the territory of banks and other traditional financial services. Priority Technology Holdings is a payments and banking fintech firm that provides services to more than 1.1 million active customers spanning small to medium businesses, business to business and enterprises. Its platform allows for the collecting, storing, lending and sending of money. Dave saw its revenues for the quarter rise by 41 percent year-over-year to US$92.5 million, the company’s fourth consecutive quarter of year-over-year revenue growth. In response, the value of the fintech stock surged from US$62.80 to US$90.43 per share. For this article, we sifted through the Fintech ETFs and online rankings to form an initial list of the 25 Fintech fintech stocks Stocks.

In fact, it’s sitting on a war chest of cash—equal to nearly one-third of its entire market cap. Trust me — you’ll want to read this report before putting another dollar into any tech stock. What most investors don’t realize is that one under-owned company holds the key to this $250 trillion revolution. This suggests a more relaxed regulatory framework, which could stimulate a resurgence of fintech activity. However, there are some good reasons Bank of America is more of a fintech than it seems.