BPAY - ETF AI Analysis

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BlackRock Future Financial and Technology ETF (BPAY)

Rating:57Neutral

Price Target:―

BPAY, the BlackRock Future Financial and Technology ETF, has a solid but not top-tier rating, reflecting a mix of strong growth names and some notable risks. High-quality holdings like Nu Holdings, Sezzle, Mercadolibre, Mastercard, and Visa boost the fund’s appeal through strong financial performance, positive earnings sentiment, and growth initiatives, though several face concerns around overvaluation or bearish technical trends. The main risk factor is the fund’s focus on financial and fintech names, where some holdings such as Rakuten Bank carry higher leverage and weaker technical signals, which can add volatility and hold back the overall rating.

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)

AUM8.57M

RegionGlobal

Expense Ratio0.55%

Beta1.22

IssueriShares

Inception DateAug 16, 2022

Dividend Yield7.53%

Asset ClassEquity

Index TrackedNo Underlying Index

Share Statistics

EPS (TTM)N/A

Shares OutstandingN/A

10 Day Avg. Volume1,439

30 Day Avg. Volume3,497

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

32.14

Price Target Upside― Downside

Rating ConsensusModerate Buy

Number of Analyst Covering41

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 leaning hard into the future of money, with payment networks and digital banks setting the tone. Global Payments and fast-rising Rakuten Bank are helping pull the fund forward, while Nu Holdings and Sezzle add some punch with more volatile but recently rising fintech exposure. On the flip side, traditional names like Capital One and Charles Schwab have been lagging, acting as a bit of a brake. Overall, it’s a globally diversified but thematically concentrated bet on fintech, with a clear tilt toward payments and next-gen banking platforms.

Name	Company Name	Weight %	Market Value	Market Cap	Yearly Gain	Overall Rating
GPN	Global Payments	4.71%	$404.76K	$21.38B	-24.18%	70 Outperform
COF	Capital One Financial	4.03%	$346.23K	$116.74B	8.40%	71 Outperform
SCHW	Charles Schwab	3.97%	$341.23K	$166.86B	27.60%	74 Outperform
SEZL	Sezzle Inc.	3.57%	$307.00K	$2.48B	88.67%	80 Outperform
LC	LendingClub	3.13%	$269.52K	$1.69B	31.10%	70 Outperform
MELI	Mercadolibre	2.94%	$252.97K	$90.64B	-11.02%	77 Outperform
XYZ	Block	2.93%	$251.76K	$39.74B	10.55%	72 Outperform
MA	Mastercard	2.82%	$242.11K	$465.83B	-4.47%	75 Outperform
V	Visa	2.75%	$236.51K	$604.89B	-8.10%	70 Outperform
NU	Nu Holdings	2.69%	$231.59K	$70.80B	34.88%	79 Outperform

BPAY Technical Analysis

Technical Analysis Sentiment

Negative

Last Price―

Price Trends

50DMA

25.79

Negative

100DMA

26.96

Negative

200DMA

28.52

Negative

Market Momentum

MACD

-0.59

Negative

RSI

38.88

Neutral

STOCH

50.92

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 23.94, equal to the 50-day MA of 25.79, and equal to the 200-day MA of 28.52, indicating a bearish trend. The MACD of -0.59 indicates Negative momentum. The RSI at 38.88 is Neutral, neither overbought nor oversold. The STOCH value of 50.92 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

Name	Price	Price Target	AUM	Expense Ratio	Overall Rating
BPAY	―	―	$8.57M	0.55%	57 Neutral
FFND	―	―	$90.27M	1.00%	68 Neutral
AIFD	―	―	$89.83M	0.75%	72 Outperform
YNOT	―	―	$86.44M	0.75%	74 Outperform
CSNR	―	―	$83.89M	0.50%	58 Neutral
FDFF	―	―	$40.93M	0.50%	69 Neutral

Performance Comparison

BPAY

BlackRock Future Financial and Technology ETF

23.37

0.71

3.13%

FFND

Future Fund Active ETF

―

AIFD

TCW Artificial Intelligence ETF

―

YNOT

Horizon Digital Frontier ETF

―

CSNR

Cohen & Steers Natural Resources Active ETF

―

FDFF

Fidelity Disruptive Finance ETF

―

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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