Top 5 Fintech Stocks Set to Outperform Over the Next 12–36 Months

Top 5 Fintech Stocks Set to Outperform Over the Next 12–36 MonthsMELI • NU • SQ (Block) • PYPL • AFRMWelcome back to Wealth Dome, where I build and protect wealth.Today’s breakdown is all about Fintech — one of the fastest-growing sectors in the world.I’ll walk you through:* My Top 5 Fintech Stocks* A complete $5,000 portfolio allocation* Fundamentals + technicals* Growth forecasts, risks, and ideal buy zones* My personal weightings for each positionThis is not financial advice, just how I would structure a high-conviction fintech portfolio with a 12–36 month outlook.Let’s dive in.⭐ 1. MercadoLibre (MELI) — Core Position, 40% Target WeightMercadoLibre remains my #1 fintech pick, combining:* 40–50% YoY fintech revenue growth* MercadoPago processing billions monthly* Growing credit portfolio with improving margins* 50%+ gross margins in e-commerce* One of the strongest ecosystem moats in Latin AmericaThink of MELI as:Amazon + PayPal + Shopify in a $600B emerging market.Technical Outlook* Consolidating after a pullback* Uptrend intact on 5-year chart* Ideal for long-term DCA* Strong EPS growth: $41 (2025) → $125 (2028)Risks* FX volatility* Competition: NU Bank, Shopee* ValuationMy Allocation:✔ 1 share✔ $2,058 → 41% of portfolio⭐ 2. NU Holdings (NU) — 25% Target WeightThe fastest-growing neobank in the world.Fundamentals* 100M+ customers* ROE above 30%* Extremely low cost-to-serve* Massive scale potentialEPS forecast2025 → $0.602026 → $0.842027 → $1.092028 → $1.62Buy Zones* Best levels: $11–$13* Current price: $15.30 (still strong long-term value)Risks* Credit defaults* Valuation* Regulatory uncertaintyMy Allocation:✔ 65 shares✔ $1,000 → 20% (after correcting earlier)⭐ 3. Block (SQ) — 20% Target WeightBlock is a full fintech ecosystem:* Cash App: huge user engagement* Square: expanding merchant solutions* Crypto integration* Consistent gross profit growthTechnical Setup* Oversold: RSI ~23* Strong long-term support in the $50–$40 range* High volatility = high opportunityRisks* Execution risk* PayPal & Apple Pay competition* Volatility is massiveMy Allocation:✔ 17 shares✔ $979 → 20%⭐ 4. PayPal (PYPL) — 15% Target WeightPayPal is no longer a hyper-growth stock — but it’s a value fintech play.Strengths* Strong cash flow* Cost optimization* High global adoption* Dividend yield: 0.92%Technical View* Near long-term lows* Almost oversold* Great risk/reward for long-term value investorsRisks* Losing users to Apple Pay & Block* Margin compression* CEO executionMy Allocation:✔ 12 shares✔ $750 → 15%⭐ 5. Affirm (AFRM) — 10% Target WeightThe purest BNPL (Buy Now Pay Later) stock in the U.S.Strengths* Amazon + Shopify partnerships* Growing GMV* Expanding merchant network* Improving marginsTechnical View* Beautiful bullish trend* Bouncing off 50-day MA* Strong multi-year growth runwayRisks* Very high volatility* Credit risk* Competition from Apple’s BNPL productMy Allocation:✔ 3 shares✔ $197 → 10%📊 Final Portfolio SummaryThis is an aggressive fintech portfolio, optimized for growth in a 1–3 year window. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe