iShares FinTech Active ETF (BPAY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
iShares FinTech Active ETF (BPAY) trades at $27.10 with AI Score 44/100 (Grade C). The iShares FinTech Active ETF (BPAY) aims to maximize total return by investing in companies involved in innovative financial technologies. Market cap: $9.21M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 1, 2026Analyst Coverage for BPAY: BPAY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BPAY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
BPAY: 1/3 scored disciplines lean bearish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
iShares FinTech Active ETF (BPAY) Financial Services Profile
iShares FinTech Active ETF (BPAY) is a fund focused on companies driving innovation in the financial services industry through emerging technologies. With a concentrated portfolio, BPAY offers investors targeted exposure to the fintech sector, seeking to capitalize on the digital transformation of finance, albeit with a higher beta of 1.47.
What Is the Investment Thesis for BPAY?
The iShares FinTech Active ETF (BPAY) presents an investment opportunity centered on the growth of the fintech industry. The fund's active management approach aims to capitalize on the rapid innovation and disruption occurring within financial services. Key value drivers include the increasing adoption of digital payment solutions, the expansion of blockchain technology, and the rise of AI-powered financial services. However, the ETF's high beta of 1.47 indicates higher volatility compared to the broader market, posing a risk for investors. The success of BPAY hinges on its ability to identify and invest in companies that can successfully navigate the evolving fintech landscape and deliver sustainable growth. The fund's performance will be closely tied to the overall health and growth of the fintech sector, as well as its ability to outperform passive fintech investment strategies.
Based on FMP financials and quantitative analysis
BPAY Key Highlights
Market Cap of $9.21M indicates a relatively small fund size, potentially leading to higher volatility.
- Beta of 1.47 suggests the ETF is more volatile than the overall market, which may appeal to investors seeking higher returns but also implies greater risk.
- Actively managed ETF provides potential for outperformance compared to passive fintech ETFs through strategic stock selection.
- Focus on innovative and emerging technologies within financial services offers exposure to high-growth areas of the fintech sector.
- No dividend yield may deter income-focused investors, but aligns with the fund's focus on growth-oriented companies.
Who Are BPAY's Competitors?
BPAY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ARKF ARK Blockchain & Fintech Innovation ETF | $44.17 | +1.05% | $805M | 44 |
| FINX Global X - FinTech ETF | $26.81 | +0.57% | $179M | — |
| TPAY Roundhill Investments - S&P 500 Target 10 Managed Distribution ETF | $54.15 | -0.29% | $14.8M | 46 |
| ALTEX Firsthand Alternative Energy Fund | $12.93 | -1.90% | $8.98M | 82 |
| IDKFF ThreeD Capital Inc. | $0.07 | +13.85% | $6.98M | 70 |
| BCG Binah Capital Group, Inc. | $1.40 | +0.72% | $23.5M | 78 |
| EEA The European Equity Fund, Inc. | $11.15 | -0.59% | $74.7M | 67 |
| HNNA Hennessy Advisors, Inc. | $9.89 | -1.30% | $78.2M | 81 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BPAY's Key Strengths?
Active management provides potential for outperformance.
- Focus on innovative fintech companies offers exposure to high-growth areas.
- Diversified portfolio reduces risk compared to investing in individual fintech stocks.
What Are BPAY's Weaknesses?
High beta indicates higher volatility compared to the overall market.
- Relatively small market cap may limit liquidity.
- Actively managed ETFs typically have higher expense ratios than passively managed ETFs.
What Could Drive BPAY Stock Higher?
Increasing adoption of digital payment solutions and mobile banking.
- Expansion of blockchain technology and cryptocurrency adoption.
- New regulations supporting fintech innovation and growth.
- Growing investment in AI and machine learning for financial services.
What Are the Key Risks for BPAY?
Regulatory uncertainty surrounding fintech and cryptocurrency.
- Increased competition from established financial institutions.
- High volatility in the fintech sector.
- Cybersecurity threats and data breaches.
- Economic downturn impacting consumer spending and investment in fintech.
What Are the Growth Opportunities for BPAY?
- Expansion into Emerging Markets: BPAY can capitalize on the increasing adoption of fintech solutions in emerging markets, where traditional financial services are often underdeveloped. These markets present significant growth opportunities for fintech companies, particularly in areas such as mobile payments, microfinance, and digital banking. By strategically allocating capital to companies targeting these markets, BPAY can tap into a high-growth segment of the fintech industry. The emerging markets fintech sector is projected to experience double-digit growth over the next decade, driven by increasing smartphone penetration and rising demand for financial inclusion.
- Increased Investment in Blockchain Technology: BPAY can increase its exposure to companies developing and implementing blockchain technology in financial services. Blockchain has the potential to revolutionize various aspects of finance, including payments, trading, and asset management. By investing in companies that are pioneering blockchain solutions, BPAY can position itself to benefit from the long-term growth of this transformative technology.
- Growing Adoption of AI in Financial Services: BPAY can capitalize on the increasing adoption of artificial intelligence (AI) in financial services. AI is being used to automate tasks, improve decision-making, and enhance customer experience in areas such as fraud detection, risk management, and personalized financial advice. By investing in companies that are developing and implementing AI solutions for financial services, BPAY can benefit from the growing demand for AI-powered financial tools.
- Rise of Digital Payment Solutions: BPAY can further capitalize on the ongoing shift towards digital payment solutions. The increasing adoption of mobile wallets, online payment platforms, and contactless payment technologies is driving significant growth in the digital payments sector. By investing in companies that are at the forefront of this trend, BPAY can benefit from the continued expansion of digital payments.
- Strategic Partnerships and Acquisitions: BPAY can benefit from strategic partnerships and acquisitions within the fintech industry. As the fintech sector matures, companies are increasingly looking to partner with or acquire other firms to expand their capabilities, reach new markets, and gain access to new technologies. By investing in companies that are actively pursuing strategic partnerships and acquisitions, BPAY can position itself to benefit from the potential synergies and growth opportunities that these deals can create. The fintech M&A market is expected to remain active in the coming years, driven by increasing consolidation and growing demand for fintech solutions.
What Threats Does BPAY Face?
- Regulatory changes could impact the fintech sector.
- Increased competition from established financial institutions and other fintech companies.
- Economic downturn could reduce demand for fintech solutions.
What Are BPAY's Competitive Advantages?
- Expertise in identifying and analyzing promising fintech companies.
- Active management approach allows for flexibility in responding to changing market conditions.
- Diversified portfolio provides exposure to a range of fintech sub-sectors and companies.
What Does BPAY Do?
The iShares FinTech Active ETF (BPAY) is designed to provide investors with exposure to companies at the forefront of technological innovation within the financial services sector. This actively managed ETF seeks to identify and invest in firms that are developing and implementing cutting-edge technologies that are reshaping how financial services are delivered and consumed. BPAY focuses on companies involved in areas such as digital payments, blockchain technology, peer-to-peer lending, robo-advisors, and other fintech solutions. The ETF aims to generate total return by strategically allocating capital to companies with high growth potential within the fintech landscape. By actively managing its portfolio, BPAY seeks to outperform passive fintech investment strategies, capitalizing on emerging trends and disruptive technologies within the financial industry. The fund's investment decisions are guided by a team of experienced portfolio managers who conduct in-depth research and analysis to identify companies with strong fundamentals and promising growth prospects. BPAY offers investors a convenient and diversified way to participate in the growth of the fintech sector, while also benefiting from the expertise of active management.
What Products and Services Does BPAY Offer?
- Invests in companies that are involved in innovative and emerging technologies used in the financial services industry.
- Seeks to maximize total return through active management of its portfolio.
- Focuses on companies that are developing and implementing cutting-edge fintech solutions.
- Allocates capital to companies with high growth potential within the fintech landscape.
- Conducts in-depth research and analysis to identify promising fintech investments.
- Provides investors with a diversified way to participate in the growth of the fintech sector.
How Does BPAY Make Money?
- Generates revenue through management fees charged to investors.
- Aims to outperform passive fintech investment strategies through active stock selection.
- Focuses on identifying and investing in companies with strong fundamentals and promising growth prospects within the fintech sector.
What Industry Does BPAY Operate In?
The iShares FinTech Active ETF (BPAY) operates within the rapidly expanding fintech industry, which is characterized by the integration of technology into financial services. The industry is experiencing significant growth, driven by factors such as increasing demand for digital payment solutions, the rise of blockchain technology, and the adoption of AI-powered financial services. The competitive landscape includes both established financial institutions and emerging fintech startups. BPAY aims to differentiate itself through its active management approach, seeking to identify and invest in companies with the highest growth potential within the fintech sector.
Who Are BPAY's Key Customers?
- Institutional investors seeking exposure to the fintech sector.
- Retail investors interested in investing in innovative financial technologies.
- Financial advisors looking to diversify their clients' portfolios with fintech investments.
How iShares FinTech Active ETF Is Valued
iShares FinTech Active ETF carries a market capitalization of $9.21M, placing it in the micro-cap category. Relative to its peer group, BPAY's quantitative score of 44/100 is below the peer average of 61/100.
Key Financial Metrics
Return on equity for iShares FinTech Active ETF stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. BPAY trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
BPAY Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the fund's strategy, indicating potential growth ahead.
- Community sentiment has shifted positively, with many traders discussing innovative fintech trends driving interest in the sector.
- The ETF's diverse holdings in emerging fintech companies position it well to capitalize on the digital transformation of finance.
- Recent developments in regulatory frameworks are seen as favorable, potentially enhancing the attractiveness of fintech investments.
Bear Case
- Concerns over market volatility in the tech sector have led to cautious sentiment among investors, impacting the ETF's appeal.
- Some community members express skepticism about the long-term viability of certain fintech companies within the ETF's portfolio.
- Increased competition in the fintech space could pressure the performance of the ETF, leading to bearish sentiment.
- Recent economic indicators suggest a potential slowdown, raising doubts about the growth projections for the fintech sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
BPAY Latest News
No recent news available for BPAY.
BPAY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BPAY.
Price Targets
Wall Street price target analysis for BPAY.
BPAY MoonshotScore
What does this score mean?
The MoonshotScore rates BPAY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Common Questions About BPAY (Financial Services)
What does the AI Score mean for BPAY?
BPAY holds an AI Score of 44/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. The iShares FinTech Active ETF (BPAY) aims to maximize total return by investing in companies involved in innovative financial technologies. The ETF provides exposure to the rapidly evolving …
What does iShares FinTech Active ETF do?
The iShares FinTech Active ETF (BPAY) is an actively managed exchange-traded fund that invests in companies involved in innovative and emerging technologies within the financial services industry. BPAY seeks to maximize total return by strategically allocating capital to companies that are driving the digital transformation of finance.
What do analysts say about BPAY stock?
Analyst coverage of BPAY is limited due to its niche focus and relatively small size. However, the consensus view is generally positive on the long-term growth potential of the fintech sector. Key valuation metrics, such as price-to-earnings ratio and price-to-sales ratio, are less relevant for an ETF, as the focus is on the overall growth of the underlying portfolio companies.
What are the main risks for BPAY?
The iShares FinTech Active ETF (BPAY) faces several risks, including regulatory uncertainty surrounding fintech and cryptocurrency, increased competition from established financial institutions and other fintech companies, high volatility in the fintech sector, cybersecurity threats and data breaches, and economic downturns impacting consumer spending and investment in fintech.
What are the key factors to evaluate for BPAY?
iShares FinTech Active ETF (BPAY) holds an AI score of 44/100 (low). The iShares FinTech Active ETF (BPAY) presents an investment opportunity centered on the growth of the fintech industry. Not financial advice.
How frequently does BPAY data refresh on this page?
BPAY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BPAY's recent stock price performance?
iShares FinTech Active ETF (BPAY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Active management provides potential for outperformance. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BPAY overvalued or undervalued right now?
iShares FinTech Active ETF (BPAY) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research BPAY before investing?
Before investing in iShares FinTech Active ETF (BPAY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The information provided is based on available data and analysis, but there is no guarantee of future performance.
- The fintech sector is subject to rapid change and disruption, which could impact the ETF's performance.
- Investors should consult with a financial advisor before making any investment decisions.