Revolut’s new full banking licence in Australia puts fintech disruption in the spotlight and raises fresh questions about how established banks and digital finance platforms might respond. With A$400mn earmarked for local expansion and 1.2 million existing customers, this move could reshape competition in savings and credit products, with ripple effects across the Asia Pacific banking sector. For investors, it creates a useful moment to reassess which fintech stocks might benefit as this global player pushes harder into regulated banking. This article walks through 3 stocks from our Fintech Sector screener that appear positively exposed to this news.

Sezzle (SEZL)

Overview: Sezzle is a US based fintech company that lets shoppers split purchases into interest free installments at checkout, offering options like Pay in Four or Pay in Five across online and in store channels, while giving merchants access to younger, credit shy consumers.

Operations: Sezzle generates about US$480.9 million in revenue from lending to end customers in the United States.

Market Cap: US$5.9b

Revolut’s full banking licence in Australia highlights how fast fintech players are pushing into traditional banking territory, and Sezzle sits right in the middle of that shift. The company has become a key buy now, pay later and digital payments provider for younger consumers, with products like On Demand and Premium designed to lift customer lifetime value, and partnerships that include AI powered underwriting and bank relationships. At the same time, high P/E expectations, funding that relies on external borrowing rather than deposits, rising credit losses and concentrated exposure to North American regulation keep risk firmly on the table. This is exactly why investors watching Sezzle closely will want to understand what the market may be pricing in and what it might be missing.

Sezzle’s rising profile in regulated fintech could be masking what the market is really pricing into its business model and credit risk. Get the full picture with the 2 key rewards and 2 important warning signs

HUB24 (ASX:HUB)

Overview: HUB24 is an Australian wealth platform and technology company that helps financial advisers manage client money in one place, combining investment administration, superannuation and data tools with cloud based accounting and compliance services.

Operations: HUB24 generates about A$368.8 million from its Platform segment, A$81.0 million from Tech Solutions and A$3.5 million from Corporate activities, all from customers in Australia.

Market Cap: A$6.9b

Revolut’s move into full service banking in Australia should keep attention on fintechs that already help advisers and clients shift assets away from traditional banks, and HUB24 is squarely in that group. The company combines rapid earnings growth, high quality profits and a growing adviser base with a rich valuation and no deposit funding. This makes its P/E and external funding model important risk checks. Management talks confidently about competing with larger platforms and sees disruption at incumbents as a source of new flows, helped by continued investment in technology and governance depth, including experienced board hires. For investors watching how wealth and banking services are changing, HUB24 offers a focused way to follow that shift, but the expectations built into the share price deserve close scrutiny.

HUB24’s earnings engine and adviser growth story are getting plenty of attention, but the pricing side of that story is easier to overlook. See how the expectations baked into the stock line up in the analyst forecasts for HUB24

DLocal (DLO)

Overview: DLocal is a Uruguay based fintech company that helps global digital businesses accept and send payments in emerging markets, handling cards, bank transfers, cash and alternative payment methods across online platforms. Its technology connects merchants in areas like e commerce, streaming, ride hailing and fintech to local payment options their customers already use.

Operations: DLocal generates about US$1.2b from payment processing, with revenue spread across Brazil, Mexico, Argentina, other Latin American countries and non Latin American markets.

Market Cap: US$4.2b

DLocal operates at the intersection of two trends: global digital commerce and fintech adoption in emerging markets. Analysts highlight factors such as earnings and revenue growth, high returns on equity and a fully cloud based payments platform as key positives. At the same time, the company is not a bank, relies on higher risk external funding and faces pressure on margins and take rates, so investors may wish to consider how much growth is already reflected in the price. Revolut’s expansion into regulated banking illustrates the role cross border payment specialists like DLocal can play for merchants, and that balance between growth potential and funding or governance risk is an important part of the investment narrative.

DLocal’s growth story in emerging market payments could be masking how the market is really pricing its funding structure and margin pressure. See how that balance stacks up in the analysis report for DLocal

The three fintech stocks covered here are just a starting sample, with the full Fintech Sector screener highlighting 20 more companies with equally compelling stories around digital banking, payments, lending and wealth platforms. To explore a wider opportunity set, you can use Simply Wall St to identify and analyze the specific catalysts, funding structures and business narratives that are most relevant to your highest conviction ideas.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.