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BPAY - ETF AI Analysis
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BlackRock Future Financial and Technology ETF (BPAY)
Rating:62Neutral
Price Target:―
Positive Factors
Focused Exposure to Future Finance Theme
The fund targets companies in financial services and technology that are involved in digital payments, online trading, and other future-focused financial technologies, giving investors a concentrated play on this growth theme.
Blend of Traditional and New-Economy Financial Names
Holdings range from established firms like Capital One and Charles Schwab to newer platforms like Nu Holdings, Mercadolibre, Robinhood, and eToro, providing a mix of more mature and more innovative business models.
Global but U.S.-Led Portfolio
While most of the ETF is invested in U.S. companies, it also includes meaningful positions in markets like the UK, the Netherlands, Japan, Italy, and Switzerland, adding some international diversification.
Negative Factors
Recent Weak Performance
The ETF has shown negative returns over the past month, three months, and year to date, indicating recent performance has been weak.
Concentration in Financial and Technology Sectors
Nearly all of the fund is invested in financial and technology stocks, which can make it more sensitive to downturns in these specific areas of the market.
Higher Expense Ratio for a Thematic ETF
The fund’s expense ratio is on the higher side compared with many broad-market ETFs, meaning more of the return is used to cover fees.
BPAY vs. SPDR S&P 500 ETF (SPY)
AUM9.66M
RegionGlobal
Expense Ratio0.55%
Beta1.20
IssueriShares
Inception DateAug 16, 2022
Dividend Yield6.85%
Asset ClassEquity
Index TrackedNo Underlying Index
Share Statistics
EPS (TTM)N/A
Shares OutstandingN/A
10 Day Avg. Volume3,708
30 Day Avg. Volume3,220
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
35.79Price Target Upside― Downside
Rating ConsensusModerate Buy
Number of Analyst Covering43
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
BPAY Summary
BPAY is the BlackRock Future Financial and Technology ETF, focused on the fast‑growing financial technology (FinTech) theme rather than a traditional index. It mainly holds U.S. companies that blend finance and tech, such as PayPal and Charles Schwab, along with digital payment, online banking, and trading platforms like Robinhood. Someone might invest in BPAY to seek growth from the shift toward digital payments and online financial services, while still getting diversification across many FinTech names. A key risk is that it is heavily concentrated in FinTech, so its price can swing a lot and may fall if this sector struggles.
How much will it cost me?The BlackRock Future Financial and Technology ETF (BPAY) has an expense ratio of 0.7%, which means you’ll pay $7 per year for every $1,000 invested. This is higher than the average expense ratio for ETFs because BPAY is actively managed, focusing on a niche market in the FinTech sector that requires specialized research and expertise.
What would affect this ETF?BPAY's focus on the FinTech sector positions it to benefit from growing adoption of digital payment systems, blockchain technology, and cybersecurity solutions, which are becoming increasingly important in the global economy. However, the ETF could face challenges from rising interest rates, regulatory changes targeting financial technology companies, or economic slowdowns that impact consumer spending and innovation in the sector.
BPAY Top 10 Holdings
BPAY is a pure play on the future of money, with a heavy tilt toward U.S.-listed fintech and digital finance names. On the positive side, Nu Holdings and LendingClub have been rising, giving the fund a lift alongside steadier players like Charles Schwab. But the story is more mixed among the big payment and trading platforms: PayPal and Block have been losing steam, while Robinhood and Global Payments are clearly lagging, and eToro isn’t helping either. Overall, the ETF is concentrated in financials and tech, with a global but U.S.-centric footprint.
Name | Company Name | Weight % | Market Value | Market Cap | Yearly Gain | Overall Rating |
|---|---|---|---|---|---|---|
| Global Payments | 3.89% | $375.75K | $20.16B | -36.81% | 70 Outperform | |
| Block | 3.85% | $372.15K | $39.02B | -33.07% | 72 Outperform | |
| Charles Schwab | 3.81% | $367.63K | $183.86B | 23.77% | 74 Outperform | |
| Capital One Financial | 3.70% | $357.10K | $138.85B | 7.18% | 71 Outperform | |
| Nu Holdings | 3.57% | $344.64K | $89.87B | 39.58% | 79 Outperform | |
| PayPal Holdings | 3.46% | $334.48K | $50.60B | -40.70% | 76 Outperform | |
| Mercadolibre | 3.36% | $324.41K | $115.01B | 13.91% | 77 Outperform | |
| LendingClub | 3.17% | $305.86K | $2.26B | 15.13% | 70 Outperform | |
| Sezzle Inc. | 2.94% | $283.87K | $2.37B | 71.83% | 80 Outperform | |
| eToro | 2.91% | $281.16K | $2.63B | ― | 75 Outperform |
BPAY Technical Analysis
Negative
―
Price Trends
27.30
Negative
28.58
Negative
28.50
Negative
Market Momentum
-0.36
Positive
30.05
Neutral
20.99
Neutral
Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For BPAY, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 27.32, equal to the 50-day MA of 27.30, and equal to the 200-day MA of 28.50, indicating a bearish trend. The MACD of -0.36 indicates Positive momentum. The RSI at 30.05 is Neutral, neither overbought nor oversold. The STOCH value of 20.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BPAY.
BPAY Peer Comparison
Comparison Results
Performance Comparison
BPAY
BlackRock Future Financial and Technology ETF
25.69
-1.01
-3.78%
FFND
Future Fund Active ETF
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AIFD
TCW Artificial Intelligence ETF
―
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HECO
SPDR Galaxy Hedged Digital Asset Ecosystem ETF
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IQM
Franklin Intelligent Machines ETF
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―
―
FDFF
Fidelity Disruptive Finance ETF
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Glossary
BuyAn ETF rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF is likely to deliver higher returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldAn ETF rated as a "Hold" s expected to perform in line with the overall market or a specific benchmark. This rating indicates that the ETF is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellAn ETF rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF may deliver lower returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst ETF Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in ETFs carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: ―
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