U.S. Consumer Spending Tops $21.86T: 5 Fintech Stocks Under $75

U.S. personal consumption expenditures reached $21.86 trillion in March 2026, with financial-services spending at about $1.82 trillion, supporting optimism for digital payments and fintech growth. The piece argues that large pure-play fintech leaders trade at premium valuations (around a 29x P/E and ~$623.8 billion market cap), leaving opportunity in cheaper fintech names trading under $75. The article highlights five such stocks (SoFi, PayPal, Affirm, Marqeta, Green Dot), noting strong revenue and transaction-volume growth for several, buyback/dividend catalysts at PayPal, and accelerated loan originations at SoFi. It flags execution and credit risks and stresses due diligence, but overall presents a bullish view toward smaller fintechs capturing excess consumer spending and share-of-wallet gains.