Fintech Stocks Present an Attractive Long-Term Investment Opportunity for Steady Returns
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 12 2025
0mins
Source: NASDAQ.COM
Impact of Fintech: Fintech is revolutionizing financial services by enhancing accessibility, efficiency, and inclusivity, particularly for unbanked populations in emerging economies through mobile banking and digital wallets.
Company Highlights - StoneCo: StoneCo is focusing on its core operations in payments, banking, and credit, targeting a significant revenue opportunity while expanding its client base and enhancing profitability through a growing banking ecosystem.
Company Highlights - Block: Block is leveraging its Square and Cash App platforms to create a comprehensive fintech ecosystem, driving growth through innovative features and expanding its distribution network to enhance user engagement.
Company Highlights - PayPal: PayPal is evolving into a full-scale commerce platform with new features like PayPal Ads Manager and enhanced cross-border payment capabilities, while also integrating AI and crypto solutions to broaden its market reach.
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Analyst Views on PYPL
Wall Street analysts forecast PYPL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PYPL is 72.86 USD with a low forecast of 51.00 USD and a high forecast of 100.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
29 Analyst Rating
6 Buy
19 Hold
4 Sell
Hold
Current: 55.510
Low
51.00
Averages
72.86
High
100.00
Current: 55.510
Low
51.00
Averages
72.86
High
100.00
About PYPL
PayPal Holdings, Inc. offers a technology platform. The Company’s products are designed to enable digital payments and simplify commerce experiences for consumers and merchants to make selling, shopping, and sending and receiving money simple, personalized, and secure, online or offline, including mobile. It provides consumers with a digital wallet that enables them to send payments to merchants securely using a variety of funding sources, which include a bank account, a PayPal or Venmo account balance, its consumer credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products. It operates a global, two-sided network at scale that connects consumers and merchants with 434 million active accounts across approximately 200 markets. Its brands include PayPal, Braintree, Venmo, Xoom, Hyperwallet, PayPal Zettle, PayPal Honey, and Paidy. It offers financing products through the PayPal Working Capital (PPWC) and PayPal Business Loan (PPBL).
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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