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Source document· February 3, 2026

United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip

View original at globenewswire.com
United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip Dublin, Feb…
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What we drew from this source

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  • U.S. shoppers used BNPL for about $10.1 billion in spending between early November and Cyber Monday 2025, up around 9% year on year

    80% confidence

  • The market is forecast to grow at a CAGR of 15.1% from 2026-2031, expanding from USD 107.38 billion in 2025 to approximately USD 258.40 billion by end of 2031

    80% confidence

  • Roughly one-fifth of consumers with a credit record used BNPL in 2022

    80% confidence

  • Competitive intensity will increase as banks deepen instalment capabilities and wallets embed issuer-based BNPL

    80% confidence

  • BNPL delivery is expected to converge further with card and wallet infrastructure, reducing standalone differentiation and favouring firms with strong ecosystem partnerships

    80% confidence

  • BNPL users are more likely to have subprime or deep-subprime credit scores and higher balances on other unsecured debt

    80% confidence

  • The buy now pay later market achieved a CAGR of 23.8% during 2022-2025

    80% confidence

  • The BNPL payment market in United States is expected to grow by 19.1% on annual basis to reach US$127.94 billion in 2026

    80% confidence
What we know · the intelligence behind this page
Live from the substrate
What we're seeing
Q4 2026 Biotech Catalyst Window: ESMO Data, the Ivonescimab PDUFA and Small-Cap Delistings
Mid-October to November 2026 is a dense catalyst period for clinical-stage biotech. Positive late-stage readouts (ALOFT-IPF, TELIGAN, MIUDELLA, the duvakitug extension) and the ESMO 2026 presentations lead up to the FDA's 14 November PDUFA date for the ivonescimab BLA. At the opposite end of the market, Spago Nanomedical is moving to delist from Nasdaq First North, which shows how hard it is for micro-cap developers to fund themselves. Value is concentrating in companies with late-stage data and near-term regulatory outcomes.
Our read on the data ›
Signals we're tracking
EPKINLY Regulatory-Clinical Success Cascade
High probability of expanded label indications, additional combination approvals, and competitive positioning strength in follicular lymphoma market. Predicts positive commercial uptake and potential accelerated review for related indications.
Patterns we're watching ›
Where sources disagree
Ford Motor Company
Both facts give cash for Ford Motor Company at the same point in time (2025-12-31; FY 2025 year-end and Q4 2025 year-end are the same date). Both are labelled USD, but the values are 23,356,000,000 and 23.356, which cannot both be true in USD. The two numbers agree once the second is read as billions (23.356 bn = 23,356,000,000), so the economic content is consistent and the conflict is a unit/scale error in the Q4 2025 record. The period is not the reason for the conflict: a Q4 and an FY figure at the same year-end date should match.
We flag conflicts openly ›
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