The Motley Fool·2025-12-13 16:20Core Insights - The fintech sector is expected to grow significantly, with a projected CAGR of 16.2% from 2025 to 2032, as consumers increasingly shift from traditional banks to digital financial services [2][3] Robinhood - Robinhood has disrupted traditional brokerage models with commission-free trades and a user-friendly app, doubling its funded customers from 12.5 million in 2020 to 25.2 million in 2024 [5] - By Q3 2025, Robinhood's funded customers reached 26.8 million, with Gold subscribers increasing by 77% year-over-year to 3.9 million [6] - Analysts forecast Robinhood's revenue and adjusted EBITDA to grow at CAGRs of 27% and 37% respectively from 2024 to 2027, driven by its expansion into a comprehensive fintech platform [7][8] Affirm - Affirm specializes in "buy now, pay later" (BNPL) services, allowing consumers to make purchases in installments without credit cards, which appeals to lower-income consumers and merchants seeking lower fees [9][10] - From fiscal 2021 to fiscal 2025, Affirm's active consumers grew from 7.1 million to 23 million, and its gross merchandise volume increased from $8.3 billion to $36.7 billion [10] - Analysts predict Affirm's revenue and adjusted EBITDA to grow at CAGRs of 25% and 131% respectively from fiscal 2025 to fiscal 2028, indicating strong growth potential [12][13]