In this article, we are going to look at the 5 Most Promising Fintech Stocks to Buy Now. For a longer list and more details on how we picked these stocks, you can go to 10 Most Promising Fintech Stocks to Buy Now.
5. Shopify Inc. (NASDAQ:SHOP)
Number of Hedge Fund Holders: 88
Shopify Inc. (NASDAQ:SHOP) is one of the most promising fintech stocks to buy now. On July 7, Bank of America reinstated coverage of Shopify Inc. (NASDAQ:SHOP) with a Buy rating and a $150 price target.
The research firm said that Shopify Inc. (NASDAQ:SHOP) is in a good position to benefit from the shift toward AI-driven agentic commerce. The price target is based on a 22 times 2027 estimated enterprise value-to-gross profit multiple, which is higher than the 18.1 times average for software companies.
The price target implies a 22 times 2027E enterprise value to gross profit multiple, a premium to the software peer group average of 18.1x. Analyst Tal Liani said Shopify Inc.’s (NASDAQ:SHOP) premium is justified because of the company’s faster revenue growth expectations. Bank of America expects the company’s revenue to increase 28.3% in 2026 and 24% in 2027, both above the average growth expected for its peers.
Analysts are debating whether AI could weaken Shopify Inc.’s (NASDAQ:SHOP) role in the commerce stack by moving discovery and transactions to AI-native interfaces. The firm believes these concerns about a possible “platform bypass” have contributed to the stock’s decline year-to-date, which has created “an attractive entry point.”
The analyst pointed out that “as discovery shifts to agentic interfaces, value accrues to the transaction and infrastructure layers, where Shopify is deeply embedded.”
Shopify Inc. (NASDAQ:SHOP) is a Canadian multinational commerce and financial technology company that offers an all-in-one e-commerce platform and a wide range of financial tools and services.
4. MercadoLibre, Inc. (NASDAQ:MELI)
Number of Hedge Fund Holders: 102
MercadoLibre, Inc. (NASDAQ:MELI) is one of the most promising fintech stocks to buy now. On July 8, Citi maintained its Hold rating on MercadoLibre, Inc. (NASDAQ:MELI) with a price target of $1,950 on the stock.
The research firm noted that MercadoLibre, Inc. (NASDAQ:MELI) continues to deliver solid credit performance, with no signs of weakening. In its Q1 2026 results, the company said its fintech business remained strong. Monthly active users (MAUs) climbed 29% year-over-year to reach 83 million. MercadoLibre, Inc. (NASDAQ:MELI) added nearly 20 million users in one year. The company also said that growth accelerated in both Brazil and Mexico, while new customers are showing the highest levels of retention and engagement the company has seen.
Assets under management (AUM) reached nearly $20 billion, up 77% year-over-year. The company said this growth was more than double the pace of MAU growth, showing that users are keeping more of their money in Mercado Pago. According to MercadoLibre, Inc. (NASDAQ:MELI), customers are attracted by deposit returns that are difficult for incumbent banks to match.
The company also said the expansion of its credit portfolio reflects higher user engagement and the company’s ability to monetize its cross-sell of fintech services. MercadoLibre, Inc. (NASDAQ:MELI) credit portfolio grew 87% year-over-year to $14.6 billion in the first quarter of 2026, marking the largest quarterly increase in nominal terms.
MercadoLibre, Inc. (NASDAQ:MELI) is the leading e-commerce and financial technology company in Latin America with a presence in 18 countries.
3. Nu Holdings Ltd. (NYSE:NU)
Number of Hedge Fund Holders: 104
Nu Holdings Ltd. (NYSE:NU) is one of the most promising fintech stocks to buy now. On June 26, Needham initiated coverage on Nu Holdings Ltd. (NYSE:NU), giving the stock a Buy rating and setting the price target at $17.
The research firm pointed out that the company operates as a neobank and a digital lending platform with a strong focus on Brazil. According to Needham, Nu Holdings Ltd. (NYSE:NU) is the world’s largest neobank, serving more than 135 million customers. It has a leading position in Brazil, where about 60% of the country’s adult population uses its platform.
The firm noted that Nu Holdings Ltd.’s (NYSE:NU) large and profitable customer base can support its growth in other Latin American markets, including Mexico and Colombia. Needham also pointed to the company’s strategic investment in Tyme, a large neobank operating in South Africa and the Philippines.
Needham also said it expects Nu Holdings Ltd. (NYSE:NU) to begin operating in the United States within the next year through organic expansion.
Nu Holdings Ltd. (NYSE:NU) is a financial technology company that operates a digital banking platform. The company has a fully digital model and offers a wide range of financial services to customers in Brazil, Mexico, and Colombia.
2. Mastercard Incorporated (NYSE:MA)
Number of Hedge Fund Holders: 157
Mastercard Incorporated (NYSE:MA) is one of the most promising fintech stocks to buy now. On July 8, Barclays initiated coverage of Mastercard Incorporated (NYSE:MA), giving the stock an Overweight rating and a price target of $640.
The research firm said that after a broad reset across the sector, it has become important for investors to identify and select stocks with durable business models and long-term growth potential. Barclays initiated coverage of the US payments and fintech industry.
Earlier, on June 30, Piper Sandler analyst Bill Carcache also initiated coverage of Mastercard Incorporated (NYSE:MA) with an Overweight rating and a price target of $597.
Piper Sandler said it has a “selectively constructive” outlook on the payments and consumer finance sector. The firm said its Overweight-rated companies are those that can turn “durable network activity, customer engagement, credit discipline, capital return, operating leverage, or GAAP EPS scaling into share appreciation without requiring broad multiple expansion.”
Mastercard Incorporated (NYSE:MA) is an American multinational financial services company that provides transaction processing and payment-related products and services to individuals, businesses, and organizations worldwide.
1. Visa Inc. (NYSE:V)
Number of Hedge Fund Holders: 181
Visa Inc. (NYSE:V) is one of the most promising fintech stocks to buy now. As of July 10, 2026, Wall Street analysts are bullish on Visa Inc. (NYSE:V), with the stock holding a consensus Buy rating. Analysts have set a median 12-month price target of $410, which suggests a potential upside of 18% from the current stock price.
On July 8, Barclays analyst Nik Cremo initiated coverage of Visa Inc. (NYSE:V), giving the stock an Overweight rating and setting the price target at $420. While initiating coverage of the US payments and fintech industry, the analyst noted that after a broad reset across the sector, investors should focus on identifying and picking companies with durable business models and long-term growth potential. Barclays highlighted Visa Inc. (NYSE:V) as one of its preferred names.
Earlier, on July 6, Baird lifted its price target on Visa Inc. (NYSE:V) from $370 to $412 while keeping its Outperform rating on the stock.
The research firm expects Visa Inc. (NYSE:V) to report fiscal third-quarter revenue and earnings per share that exceed market expectations by more than 1%. Baird also forecasts a slight increase to the company’s fiscal 2026 revenue guidance and continues to see Visa Inc. (NYSE:V) as a long-term compounder with strong secular trends.
Visa Inc. (NYSE:V) is an American multinational digital payments company that provides a wide range of payment products and payment processing to facilitate electronic payments in over 200 countries and territories.
While we acknowledge the potential of V to grow, 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 V and that has 100x upside potential, check out our report about the cheapest AI stock.
READ NEXT: 12 Most Profitable Cheap Stocks to Buy Right Now and Top 10 Hot Stocks with the Highest Upside Potential.
Disclosure: None.
