Top Fintech Growth Stocks to Buy Now in a Post-Pandemic World

The post-pandemic financial landscape is being reshaped by a seismic shift toward automation, digital transformation, and embedded finance. Traditional institutions, burdened by legacy systems and slow adoption of technology, are struggling to keep pace with agile fintechs that prioritize innovation, scalability, and user-centric solutions. For investors seeking long-term value, the opportunities lie in companies that are not only adapting to this new era but actively redefining it. Below, we analyze six fintech stocks that exemplify this paradigm shift and offer compelling growth potential.

1. Visa Inc. (V): The Digital Payments Behemoth

Visa remains a cornerstone of the global payments ecosystem, but its 2025 relevance is driven by its relentless focus on automation and AI. The company's Visa Token Service secures card data for platforms like Apple Pay and Google Pay, ensuring it stays at the forefront of digital wallet adoption. Beyond this, Visa has embedded AI into over 100 products, primarily for fraud prevention, and has invested $3.5 billion to modernize its data infrastructure.

With Zacks Consensus Estimates projecting 10.3% revenue growth and 12.9% EPS growth in 2025, Visa's strategic investments position it as a buy. The company's exploration of stablecoin settlement and crypto partnerships further cements its role in the future of money.

2. Upstart Holdings, Inc. (UPST): AI-Driven Lending Revolution

Upstart's ascent in 2025 is a testament to the power of machine learning in redefining credit accessibility. By analyzing non-traditional data points like education and employment history, the platform approves loans for borrowers excluded by traditional scoring models while maintaining robust credit performance.

The Zacks Consensus Estimate forecasts 59.5% revenue growth and a staggering 890% EPS increase in 2025, driven by expansion into auto and small business lending. While the stock carries a Zacks Rank of 3 (Hold), its disruptive potential and high-margin model make it a speculative but high-reward bet.

3. Robinhood Markets Inc. (HOOD): Democratizing Finance for the Digital Age

Robinhood's evolution from a commission-free stock app to a one-stop financial ecosystem underscores its commitment to embedded finance. In 2025, the company expanded into options trading, crypto, retirement accounts, and DeFi integration, targeting millennials and Gen Z who demand seamless, on-demand services.

With 22.3% revenue growth and 12.8% EPS growth projected, Robinhood's user base of 25 million is a testament to its disruptive appeal. However, regulatory scrutiny and margin pressures necessitate a cautious approach.

4. BGC Group Inc. (BGC): Automating Capital Markets

BGC's Fenics platform is a game-changer in institutional trading, automating transactions in fixed income, foreign exchange, and derivatives. The platform's ability to reduce latency and operational costs has attracted major banks and hedge funds, driving BGC's 26.5% revenue growth in 2025.

The Zacks Rank of 3 (Hold) reflects its strong fundamentals but also its reliance on volatile capital markets. For investors with a medium-term horizon, BGC's automation-driven model offers a compelling edge.

5. Nu Holdings Ltd. (NU): Embedded Finance in Emerging Markets

Nu Holdings, through its NuBank, has disrupted Latin America's financial sector by offering app-based services to 118.6 million customers. Its digital-first approach reduces operational costs by 40% compared to traditional banks, enabling aggressive pricing and rapid scale.

With 28.5% revenue growth and 20% EPS growth projected, Nu's focus on lending, interchange fees, and marketplace services creates a diversified revenue stream. However, macroeconomic volatility in emerging markets remains a risk.

6. SoFi Technologies, Inc. (SOFI): The Embedded Finance Powerhouse

SoFi's Galileo platform is a B2B engine for embedded finance, powering seamless integrations for fintechs and financial institutions. This diversification has driven 26.2% revenue growth and 80% EPS growth in 2025, making SoFi a key player in the embedded finance boom.

The company's 10 million members and expanding product suite (e.g., insurance, ESG investing) position it as a long-term winner in the digital finance space.

Why These Stocks Outperform

The common thread among these companies is their agility in leveraging automation, AI, and embedded finance to solve real-world financial challenges. Unlike traditional institutions, they prioritize user experience, scalability, and data-driven decision-making. For example, AffiniPay (embedded finance) and Alloy (RegTech) demonstrate how niche solutions can dominate markets by addressing specific pain points.

Investment Strategy: Buy, Hold, or Watch

• Strong Buys (Visa, Upstart): For long-term investors seeking steady growth and innovation.
• Holds (Robinhood, BGC): For those with a medium-term outlook and risk tolerance for volatility.
• Speculative Plays (Nu, SoFi): For investors comfortable with emerging market risks and embedded finance trends.

Conclusion

The fintech sector's post-pandemic renaissance is not a fad but a fundamental shift in how financial services are delivered. By investing in companies that harness automation, digital transformation, and embedded finance, investors can capture long-term value while outperforming traditional institutions. As the 2025 rankings show, the future belongs to those who innovate—or are disrupted by it.