Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Fund Details
Upturn AI Summary
BlackRock Future Financial and Technology ETF(BPAY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BPAY
10/08/2026: BPAY (1-star) is currently NOT-A-BUY. Pass it for now.
The BlackRock Future Financial and Technology ETF (BPAY) is an actively managed fund focused on the transformation of the financial sector through digital innovation. By concentrating on fintech infrastructure, payments, and banking technology, it seeks to capture long-term secular growth. Its primary strengths lie in the institutional research expertise of BlackRock and the flexibility of active management to navigate sector shifts. However, investors should be aware of risks including higher sector concentration, volatility compared to broad indices, and relatively lower liquidity. It is most suitable for investors with a high risk tolerance who are looking to add targeted, thematic growth exposure to their portfolios while monitoring regulatory developments in the fintech space.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The portfolio is heavily skewed toward companies in high-growth phases of digital transformation. |
| Momentum investor | Strong fit while signal remains positive | The fund's holdings often correlate with strong market momentum cycles in the technology and financial sectors. |
| Value investor | Weak fit | Many fintech companies held in this fund prioritize growth over traditional valuation metrics like P/E ratios. |
| Dividend/Income investor | Weak fit | The focus on growth companies typically results in low or non-existent dividend yields. |
| Low-risk investor | Weak fit | The concentration in a single, high-growth sector leads to volatility inconsistent with low-risk objectives. |
Investor Profile
Ideal Investor Profile
Growth-oriented investors with a high risk tolerance who want targeted exposure to the fintech disruption theme.
Suitability
Best for long-term investors looking to complement a core portfolio with thematic exposure rather than active short-term traders.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | High | Technology and fintech stocks are prone to significant price swings based on sentiment and earnings growth expectations. |
| Market risk | Medium / high | General market downturns frequently impact high-multiple growth stocks more severely than the broader market. |
| Concentration | High | The fund is limited to the fintech sector, lacking the diversification of broad-market holdings. |
| Tracking/expense | Medium | The active management expense ratio is higher than passive index-tracking alternatives. |
| Liquidity | Medium | Lower trading volume in this specific ETF can make executing large orders more costly. |
| Business/sector quality | Medium / high | The industry is subject to rapid regulatory shifts and intense competitive pressure from legacy financial institutions. |
Risk Analysis
Volatility
BPAY exhibits above-average volatility due to its concentrated exposure to high-growth fintech companies.
Market Risk
The fund is highly sensitive to macroeconomic shifts, specifically those affecting technology valuations and consumer financial habits.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Industry | Digital Payments & Transaction Processing | 45 | This core exposure captures companies facilitating the shift from cash to digital and mobile payment systems. |
| Industry | Fintech Infrastructure & Software | 30 | These holdings represent the foundational technology platforms enabling modern financial services. |
| Industry | Innovative Banking & Lending | 20 | This segment includes disruptive lenders and digital banks utilizing data analytics for improved financial access. |
| Cash/collateral | Cash and Cash Equivalents | 5 | Maintains liquidity for operational needs and portfolio rebalancing. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type ETF | Historic Profit -3.95% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | ETF Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/08/2026 |
ETF Fundamentals 
Source: EOD Historical Data • Updated Oct 8, 2026
Fund Basics
| Metric | Value |
|---|---|
| Fund Size (AUM) | $8.82M |
| Issuer | BlackRock |
| Expense Ratio | 0.7000000000000001% |
| Distribution Yield | 3.15% |
| Inception | Aug 16, 2022 |
Performance
| Period | Total Return |
|---|---|
| YTD | -8.98% |
| 1 Year | -19.84% |
| 3 Year | +10.00% |
Risk Metrics
| Metric | Value |
|---|---|
| 1Y Volatility | 20.79% |
| 3Y Volatility | 23.96% |
| 3Y Sharpe Ratio | 0.32 |
Market Cap Distribution
| Cap Size | Weight |
|---|---|
| Large Cap | 27.53% |
| Mid Cap | 27.37% |
| Small Cap | 17.21% |
| Micro Cap | 15.86% |
Top Sectors
| Sector | Weight |
|---|---|
| Financial Services | 48.55% |
| Technology | 40.99% |
| Industrials | 6.87% |
| Consumer Cyclicals | 3.59% |
Asset Allocation
Portfolio Characteristics
| Metric | Value |
|---|---|
| Portfolio P/E | 10.01x |
| Portfolio P/B | 1.72x |
| Portfolio P/S | 1.13x |
| Holdings Turnover | 83.0% |
Top Holdings
| Holding | Weight |
|---|---|
| Global Payments | 4.47% |
| Robinhood Markets | 4.41% |
| Chime Financial. Class A Common Stock | 4.39% |
| Capital One Financial | 4.26% |
| Block | 4.23% |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.