On October 10, FinTech Global, a global leading provider of FinTech information services, reported that the fintech industry had a quiet week with only $292 million raised in 13 deals. The start of October has been less active for fintech investments.
For the workweek ending on October 10, the biggest deal was by Feedzai, a Portugal-based fintech company that uses AI to prevent financial crime. Feedzai raised $75 million in new funding, which helped grow its valuation to more than $2 billion.
The second largest funding for the week went to Filigran, a US cybersecurity company focused on AI-driven threat intelligence and risk management. It raised $58 million in Series C funding.
The third largest was Yendo, a US-based fintech company that created the first vehicle-secured credit card. Yendo raised $50 million in Series B funding as it plans to speed up its expansion into digital banking.
Geographically, 10 of these 13 deals happened in the US. The UK had two deals while Portugal recorded one deal.
Now, let’s look at the 12 best fintech stocks to buy according to analysts.
Our Methodology
To compile our list of the 12 best fintech stocks to buy according to analysts, we looked for the biggest fintech companies. We reviewed our own rankings, financial media reports, ETFs, and various online resources to compile a list of the best fintech stocks. Next, we focused on the top 12 stocks that analysts believe have the most potential for growth. We ranked the 12 best fintech stocks to buy based on their average price target upside potential according to analysts as of October 15, 2025.
Additionally, we mentioned the hedge fund sentiment surrounding each stock, which was taken from Insider Monkey’s Q2 2025 database of 983 elite hedge funds.
Why do we care about what hedge funds do? The reason is simple: our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds. Our quarterly newsletter’s strategy selects 14 small-cap and large-cap stocks every quarter and has returned 427.7% since May 2014, beating its benchmark by 264 percentage points (see more details here).
12 Best Fintech Stocks to Buy According to Analysts
12. Toast, Inc. (NYSE:TOST)
Average Price Target Upside Potential According to Analysts: 34.96%
Number of Hedge Fund Holders: 67
Toast, Inc. (NYSE:TOST) ranks among the best fintech stocks to buy according to analysts. On October 15, Freedom Capital Markets initiated coverage of Toast, Inc. (NYSE:TOST), giving the stock a Buy rating and setting the price target at $45.
Freedom Capital Markets highlighted Toast, Inc.’s (NYSE:TOST) successful penetration of the US restaurant market with its cloud-based point-of-sale system. The firm mentioned that the company has reached about 15% of restaurant locations in the US since 2011.
The research firm sees multiple growth catalysts for Toast, Inc. (NYSE:TOST). These include further US market share gains in its core small and medium-sized business segment. There are also big opportunities in enterprise, food and beverage retail, and international markets.
Freedom Capital Markets believes these opportunities can help drive sustained growth in key performance indicators, especially net new locations and annualized recurring revenue. Toast, Inc. (NYSE:TOST) may even surpass its medium-term targets shared at its May 2024 Investor Day.
Toast, Inc. (NYSE:TOST) is an American company that offers financial technology solutions and restaurant management software. It provides a cloud-based, all-in-one digital technology platform designed for the restaurant industry, offering software and financial technology solutions that help restaurants across point of sale, payments, operations, digital ordering and delivery, marketing and loyalty, and team management.
11. Shift4 Payments, Inc. (NYSE:FOUR)
Average Price Target Upside Potential According to Analysts: 41.42%
Number of Hedge Fund Holders: 55
Shift4 Payments, Inc. (NYSE:FOUR) ranks among the best fintech stocks to buy according to analysts. On October 10, Raymond James reduced its price target on Shift4 Payments, Inc. (NYSE:FOUR) from $126 to $120 while keeping a Strong Buy rating ahead of the company’s Q3 2025 results.
This decision to lower the price target reflects expected weakness in Global Blue, which Shift4 Payments, Inc. (NYSE:FOUR) acquired in July. This weakness prompted Raymond James to lower its Q3 revenue estimates by about 1.5%. The firm also reduced its adjusted EBITDA estimates by approximately 2.0%.
Raymond James has also taken a more cautious view for fiscal 2026 and 2027 Global Blue estimates, decreasing its revenue and EBITDA forecasts by 2-3% for both years.
The research firm pointed out that while this weakness in Global Blue is “not ideal,” Shift4 Payments, Inc.’s (NYSE:FOUR) core business is performing as anticipated. Raymond James is still optimistic about the company’s long-term growth, especially regarding revenue synergies, including Dynamic Currency Conversion (DCC) and cross-selling to Global Blue merchants.
Shift4 Payments, Inc. (NYSE:FOUR) is a financial technology company that provides integrated payments and commerce solutions.
10. Fiserv, Inc. (NYSE:FI)
Average Price Target Upside Potential According to Analysts: 43.41%
Number of Hedge Fund Holders: 94
Fiserv, Inc. (NYSE:FI) ranks among the best fintech stocks to buy according to analysts. On October 1, TD Cowen reaffirmed its Buy rating with a $188 price target for Fiserv, Inc. (NYSE:FI).
This decision follows Fiserv, Inc.’s (NYSE:FI) Forum 2025 event, which showcased the company’s innovation and unification plans. TD Cowen believes these strategies improve the company’s growth outlook.
The research firm is now more confident about Fiserv, Inc.’s (NYSE:FI) position for the medium term. TD Cowen analysts highlighted the wide range of products the company offers, innovation efforts, and better integration between the company’s Financial Services and Merchant Solutions segments.
TD Cowen specifically mentioned “ingredients that support continued Clover momentum and an acceleration in FS,” referring to Fiserv, Inc.’s (NYSE:FI) Clover payment processing system and its Financial Services segment.
Fiserv, Inc. (NYSE:FI) is a global financial technology and payments company that offers solutions for banking, merchant acquiring, global commerce, billing and payments, and point-of-sale.
9. nCino, Inc. (NASDAQ:NCNO)
Average Price Target Upside Potential According to Analysts: 44.69%
Number of Hedge Fund Holders: 36
nCino, Inc. (NASDAQ:NCNO) ranks among the best fintech stocks to buy according to analysts. On October 10, William Blair upgraded nCino, Inc. (NASDAQ:NCNO) from Market Perform to Outperform.
William Blair believes the recent sell-off in bank technology stocks was overdone and now offers an attractive entry point.
William Blair pointed out that nCino, Inc. (NASDAQ:NCNO) generated $53 million in free cash flow in fiscal 2025 and is aiming to reach the Rule of 40 by the end of fiscal 2027.
The Rule of 40 means that the sum of the annual revenue growth rate and profit margin should exceed 40% for a healthy Software-as-a-Service (SaaS) company.
In April, nCino, Inc. (NASDAQ:NCNO) lowered its fiscal 2026 subscription revenue growth guidance to 10%, or about 6% on an organic basis, down from 12% in 2025.
William Blair expects the company to deliver high-single-digit subscription growth over the long term. This growth is expected to be supported by international expansion, stronger penetration in credit unions, and cross-selling in mortgages.
The firm also believes nCino, Inc.’s (NASDAQ:NCNO) more conservative forecasting approach increases the chances of beat-and-raise quarters ahead.
nCino, Inc. (NASDAQ:NCNO) is a financial technology company that provides a cloud-based platform for financial institutions. It helps community banks, credit unions, independent mortgage banks, and large financial entities to digitize and automate their business processes like client onboarding, loan origination, account opening, and portfolio management.
8. Marqeta, Inc. (NASDAQ:MQ)
Average Price Target Upside Potential According to Analysts: 47.06%
Number of Hedge Fund Holders: 31
Marqeta, Inc. (NASDAQ:MQ) ranks among the best fintech stocks to buy according to analysts. On October 13, Goldman Sachs downgraded Marqeta, Inc. (NASDAQ:MQ) from Neutral to Sell and lowered its price target from $7.50 to $5.00
This decision comes after recent changes in Marqeta, Inc.’s (NASDAQ:MQ) relationship with Block, Inc. (XYZ), which is adding a new issuing partner and that will result in Marqeta, Inc. (NASDAQ:MQ) losing processing share for new accounts. Goldman Sachs pointed out that Marqeta, Inc. (NASDAQ:MQ) could see a potential 2% headwind to gross profit in 2026.
Goldman Sachs also mentioned fears about delayed contract renewals. This could create a 4% gross profit headwind for Marqeta, Inc. (NASDAQ:MQ) in 2026.
The investment research firm sees Marqeta, Inc. (NASDAQ:MQ) as “one of the best outsourced card issuance platforms in the industry, particularly for cloud-based fintechs.” However, Goldman Sachs also pointed out two main concerns. One is the company’s premium pricing, which leads to price compression with big partners. The other is growing competition in the industry, which can hurt long-term growth.
Marqeta, Inc. (NASDAQ:MQ) is a financial technology company that provides a modern open API platform that helps businesses instantly issue cards and process payments.
7. Payoneer Global Inc. (NASDAQ:PAYO)
Average Price Target Upside Potential According to Analysts: 59.93%
Number of Hedge Fund Holders: 37
Payoneer Global Inc. (NASDAQ:PAYO) ranks among the best fintech stocks to buy according to analysts. On October 6, Needham reaffirmed its Buy rating on Payoneer Global Inc. (NASDAQ:PAYO) with a price target of $10.
This decision came after the firm met with Payoneer Global Inc.’s (NASDAQ:PAYO) CEO John Caplan, FP&A executive Gadi Livne, and investor relations representative Caius Slater. They discussed a range of topics, including how recent US tariff increases on China are impacting the company.
Needham noted the tariffs are not as big a challenge for Payoneer Global Inc. (NASDAQ:PAYO) as initially feared. The company has also identified ways to raise its take-rates over time.
Stablecoins were mentioned as a possible driver for Payoneer Global Inc.’s (NASDAQ:PAYO) future growth. New products and collaborations could help the company grow its market share in a market that Needham sees as large and growing.
Needham pointed out that Payoneer Global Inc.’s (NASDAQ:PAYO) valuation is inexpensive, with an enterprise value to EBITDA ratio around 6.5x the firm’s fiscal year 2026 estimate.
Payoneer Global Inc. (NASDAQ:PAYO) is a financial technology company that provides a cross-border payments platform. It helps businesses, freelancers, and online sellers manage their funds across multiple currencies and complete online and international transactions.
6. Upstart Holdings, Inc. (NASDAQ:UPST)
Average Price Target Upside Potential According to Analysts: 61.74%
Number of Hedge Fund Holders: 34
Upstart Holdings, Inc. (NASDAQ:UPST) ranks among the best fintech stocks to buy according to analysts. On October 13, Citizens reaffirmed its Market Perform rating for Upstart Holdings, Inc. (NASDAQ:UPST).
This decision comes as consumer finance company stocks have pulled back from their recent highs. This performance is driven by rising concerns about subprime credit trends.
Citizens pointed out that there are “isolated indications of rising delinquencies among selected subprime auto and personal loan lenders.” Upstart Holdings, Inc. (NASDAQ:UPST) was mentioned among the companies affected by this trend. The firm also noted that the lending market is focusing more on undocumented borrowers.
Citizens highlighted the “increasing speculation over the resumption of student loan repayments, and renewed focus on tariff impacts on prices” are additional factors that are contributing to a cautious outlook on consumer lenders like Upstart Holdings, Inc. (NASDAQ:UPST).
Upstart Holdings, Inc. (NASDAQ:UPST) is a financial technology company that operates a cloud-based AI lending platform in the US. It partners with banks and credit unions to offer personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
5. Remitly Global, Inc. (NASDAQ:RELY)
Average Price Target Upside Potential According to Analysts: 63.29%
Number of Hedge Fund Holders: 39
Remitly Global, Inc. (NASDAQ:RELY) ranks among the best fintech stocks to buy according to analysts. On October 1, Citizens JMP reaffirmed its Market Outperform on Remitly Global, Inc. (NASDAQ:RELY) with a price target of $23.
The firm sees Remitly Global, Inc. (NASDAQ:RELY) as “one of the strongest secular growth vehicles in FinTech.” Citizens JMP also pointed out that the company’s business has grown “more quickly and more profitably than many had anticipated.”
The price target of $23 is about 15 times the firm’s estimated adjusted EBITDA for Remitly Global, Inc. (NASDAQ:RELY) in 2026.
Remitly Global, Inc. (NASDAQ:RELY) is a financial technology and payments company that provides digital financial services with its cross-border payments app that facilitates money transfers in more than 170 countries around the world.
4. Alkami Technology, Inc. (NASDAQ:ALKT)
Average Price Target Upside Potential According to Analysts: 71.75%
Number of Hedge Fund Holders: 20
Alkami Technology, Inc. (NASDAQ:ALKT) ranks among the best fintech stocks to buy according to analysts. On October 1, Alkami Technology, Inc. (NASDAQ:ALKT) announced a new partnership with Hanscom Federal Credit Union (HFCU). This partnership aims to support the launch of HFCU’s new mobile banking app.
The app, designed to make banking easy and fun through a gamified approach, will offer members personalized tools for financial wellness. HFCU’s new mobile app will have features like goal-setting tools and interactive rewards, which go beyond basic transactional banking. Integrated with Alkami Technology, Inc.’s (NASDAQ:ALKT) digital infrastructure, these experiences will offer security, engagement, and reliability.
This partnership will also see HFCU adopt Alkami Technology, Inc.’s (NASDAQ:ALKT) Online Banking Platform, which will help provide a smooth and secure digital banking experience across channels.
Alkami Technology, Inc. (NASDAQ:ALKT) is an American financial technology company that provides a digital sales and service platform for US banks and credit unions. The company’s platform integrates onboarding, digital banking, and data and marketing.
3. Priority Technology Holdings, Inc. (NASDAQ:PRTH)
Average Price Target Upside Potential According to Analysts: 75.20%
Number of Hedge Fund Holders: 20
Priority Technology Holdings, Inc. (NASDAQ:PRTH) ranks among the best fintech stocks to buy according to analysts. On October 2, Priority Technology Holdings, Inc. (NASDAQ:PRTH) reported that it has successfully closed its acquisition of certain assets of DMSJV, LLC, also referred to as Dealer Merchant Services (DMS).
As part of the transaction, Priority Technology Holdings, Inc. (NASDAQ:PRTH) acquired largely all of the assets, including revenue agreements and customer relationships. DMS is a vertically focused reseller in the auto and truck dealership sector.
The leadership team from Dealer Merchant Services, Amberly Allen and Laura Sherman, will also join Priority Technology Holdings, Inc. (NASDAQ:PRTH) as part of this deal.
Tim O’Leary, the Chief Financial Officer of Priority, said:
“We expect the acquisition of DMS to provide approximately $3 million of incremental revenue and just over $1 million of incremental adjusted EBITDA in Q4 2025.”
Priority Technology Holdings, Inc. (NASDAQ:PRTH) is a financial technology company that offers payments and banking solutions for businesses through its connected commerce platform for payables, merchant services, and banking & treasury solutions. It helps streamline collecting, storing, lending, and sending money to create revenue opportunities.
2. Clearwater Analytics Holdings, Inc. (NYSE:CWAN)
Average Price Target Upside Potential According to Analysts: 75.98%
Number of Hedge Fund Holders: 51
Clearwater Analytics Holdings, Inc. (NYSE:CWAN) ranks among the best fintech stocks to buy according to analysts. On October 6, Clearwater Analytics Holdings, Inc. (NYSE:CWAN) reported that T. Rowe Price Associates, Inc. has successfully implemented the company’s CWAN platform.
T. Rowe Price is a well-known global asset management firm that manages $1.73 trillion in client assets as of August 31, 2025. The CWAN platform will offer advanced capabilities and support T. Rowe Price’s stable value operations.
Clearwater Analytics Holdings, Inc. (NYSE:CWAN) is working towards creating an integrated platform that would change how investment management technology works for its clients.
By using the CWAN platform, T. Rowe Price has gained big improvements across participant service and operations. The platform has helped improve productivity while reducing risks.
Clearwater Analytics Holdings, Inc. (NYSE:CWAN) is a software and financial technology company that provides a cloud-native platform for institutional investors across global public and private markets.
1. Q2 Holdings, Inc. (NYSE:QTWO)
Average Price Target Upside Potential According to Analysts: 76.99%
Number of Hedge Fund Holders: 29
Q2 Holdings, Inc. (NYSE:QTWO) ranks among the best fintech stocks to buy according to analysts. On September 24, JPMorgan reduced its price target on Q2 Holdings, Inc. (NYSE:QTWO) from $115 to $110 while keeping an Overweight rating.
The firm’s analyst told investors in a research note that the operating environment for digital banking companies seems to be improving.
JPMorgan likes Q2 Holdings, Inc. (NYSE:QTWO) because of its strong competitive position and its advantage in artificial intelligence. However, the firm reduced its forecast for the company’s subscription revenue growth in 2026 from 14.1% to 13.4%. This aligns more closely with the company’s reaffirmed guidance.
Q2 Holdings, Inc. (NYSE:QTWO) is an American financial technology and software company that provides digital banking and lending solutions to banks, credit unions, and financial companies in the US and internationally.
While we acknowledge the potential of QTWO as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than QTWO and that has a 100x upside potential, check out our report about this cheapest AI stock.
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