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Dear Fellow Investor,
Buy now, pay later stocks (BNPL) are still explosive, we said in early December.
For one, from a market valuation of about $156.58 billion in 2023, the BNPL market is expected to rally to more than $1 trillion by 2028.
Two, Americans are taking on substantial amounts of debt.
“All major loan categories tracked in the report saw increases as well. Credit card balances topped $1.2 trillion, rising 7.3% from the fourth quarter of last year and logging the smallest yearly increase since 2021,” reported CNN. “Higher levels of household debt are to be expected as they can reflect factors such as population growth, strong economic conditions, holiday-related spending and the rise of e-commerce.”
Three, more Americans are turning to buy now, pay later borrowing.
According to the Consumer Financial Protection Bureau, “Among consumers with a credit record, 21.2 percent financed at least one purchase with a BNPL loan, up from 17.6 percent in 2021. About 20 percent of borrowers in 2022 were heavy users originating more than one BNPL loan on average each month, an increase from 18 percent in 2021. The average number of originations per borrower increased from 8.5 to 9.5.”
So, it comes as no surprise that BNPL stocks are still exploding higher. Keep reading for two of the top ways to invest in the BNPL boom.
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Company: Affirm Holdings (SYM: AFRM)
When we last mentioned Affirm Holdings (SYM: AFRM), it traded at $67.50. Today, it’s up to $79.65 and could easily push higher.
Helping, JMP analysts upgraded the AFRM stock to market perform, calling it a “long-term secular winner at the expense primarily of the credit card industry.” Analysts at William Blair initiated an outperform rating on Affirm, adding, “We believe that alternatives to traditional consumer finance and bank cards will gain momentum as younger demographics seek better, more transparent financial experiences," said the financial services firm.
Mode Mobile
This tech company grew 32,481%...
No, it’s not Nvidia… It's Mode Mobile, last year's fastest-growing software company according to Deloitte.
Their disruptive $martphone, has helped users earn and save $325M+ through simple, everyday use. That led to 32,481% revenue growth between 2019 and 2022 and presence in 170+ countries.
🚀 Invest at $0.26/share before their $20M campaign milestone!
ETF: iShares FinTech Active ETF (SYM: BPAY)
Or, if you’d rather diversify at a lower cost, there’s the iShares FinTech Active ETF (SYM: BPAY).
With an expense ratio of 0.7%, the ETF offers exposure to technology disruption around the world and across multiple areas in finance, such as payments, banking, investments, insurance and software. Some of its 37 holdings include PaylPal, Charles Schwab, Capital One, Synchrony Financial, Block, and Global Payments.
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Are there any other growing markets you think are hot right now? Hit "reply" to this email and let us know!
