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6 top BNPL stocks to buy in 2024

Ready to invest in the buy now, pay later industry? Learn how to invest in BNPL stocks in just a few steps.

The best BNPL stocks depend on your portfolio and investment goals — while volatility can be ideal for day traders, long-term investors will want to look to stocks with steadier gains over time.

The top buy now, pay later stocks included on this page all trade on the S&P 500, have an analyst recommendation of "Buy" or better and are sorted by year-to-date performance.

  1. PayPal (PYPL)
  2. Block (SQ)
  3. Affirm (AFRM)
  4. Visa IncClass A (V)
  5. Shopify (SHOP)
  6. American Express Company (AXP)

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How to invest in BNPL stocks

  1. Choose an online stock trading platform. Choose from our Top Picks above, use our comparison table below or jump straight to the best stock trading apps of 2024.
  2. Sign up for an account. Provide your personal information and sign up.
  3. Set up a funding method to pay for the transaction. Deposit funds into your account by linking your banking information.
  4. Choose the stocks you want to buy. Search for the stock by name or ticker symbol like PYPL or SQ.
  5. Place your order. Buy the stock. It's that simple.

Take a deeper dive into BNPL stocks

If you're interested in investing in the buy now, pay later industry, take a closer look at what companies in this industry do and how the stocks have historically performed. Keep in mind that positive past performance doesn't guarantee that a stock will continue to rise in the future.

1. PayPal (PYPL)

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It 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, PayPal and Venmo branded credit products comprising its installment products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards.

PayPal stock opened the day at $84.91 after a previous close of $87.13. The latest price was $87.13 (25-minute delay). PayPal is listed on the NASDAQ, has a trailing 12-month revenue of around USD31.5 billion and employs 27,200 staff.

  • Market capitalization: $85,667,045,376
  • P/E ratio: 20.4426
  • PEG ratio: 1.4306

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2. Block (SQ)

Block, Inc. , together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally. It operates through two segments, Square and Cash App.

Block stock opened the day at $86.84 after a previous close of $87.64. The latest price was $89.65 (25-minute delay). Block is listed on the NYSE, has a trailing 12-month revenue of around USD$23.9 billion and employs 12,000 staff.

  • Market capitalization: $54,109,765,632
  • P/E ratio: 52.2755
  • PEG ratio: 0.505

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3. Affirm (AFRM)

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app.

Affirm stock opened the day at $65.61 after a previous close of $64.95. The latest price was $65.90 (25-minute delay). Affirm is listed on the NASDAQ, has a trailing 12-month revenue of around USD$2.5 billion and employs 2,006 staff.

  • Market capitalization: $19,892,307,968

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4. Visa IncClass A (V)

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.

Visa IncClass A stock opened the day at $318.17 after a previous close of $320.65. The latest price was $320.65 (25-minute delay). Visa IncClass A is listed on the NYSE and has a trailing 12-month revenue of around USD$35.9 billion.

  • Market capitalization: $599,879,647,232
  • P/E ratio: 31.8376
  • PEG ratio: 2.0528

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5. Shopify (SHOP)

Shopify Inc. , a commerce company, provides a commerce platform and services in Canada, the United States, Europe, the Middle East, Africa, the Asia Pacific, Australia, China, and Latin America. The company's platform enables merchants to displays, manages, markets, and sells its products through various sales channels, including web and mobile storefronts, physical retail locations, pop-up shops, social media storefronts, native mobile apps, buy buttons, and marketplaces; and enables to manage products and inventory, process orders and payments, fulfill and ship orders, new buyers and build customer relationships, source products, leverage analytics and reporting, manage cash, payments and transactions, and access financing.

Shopify stock opened the day at $109.63 after a previous close of $109.25. The latest price was $110.18 (25-minute delay). Shopify is listed on the NYSE, has a trailing 12-month revenue of around USD$7.8 billion and employs 8,300 staff.

  • Market capitalization: $141,303,005,184
  • P/E ratio: 110.0202
  • PEG ratio: 1.1192

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6. American Express Company (AXP)

American Express Company, together with its subsidiaries, operates as 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.

American Express Company stock opened the day at $292.35 after a previous close of $298.80. The latest price was $298.65 (25-minute delay). American Express Company is listed on the NYSE, has a trailing 12-month revenue of around USD$59.2 billion and employs 74,600 staff.

  • Market capitalization: $202,725,179,392
  • P/E ratio: 21.1915
  • PEG ratio: 1.9075

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Bottom line

While it’s possible to turn a profit investing in BNPL stocks, keep in mind that — like any investment — BNPL stocks are not immune to risk. These stocks are subject to fluctuating conditions — both in the market and in the buy now, pay later industry, so carefully vet your picks before you invest. And if you’re new to investing, or if it’s been awhile since you’ve taken a critical look at your investing accounts, compare brokers to make sure you’re getting the best features in your trading account.

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Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.

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