Key Takeaways PYPL is transforming into a full-service platform, with BNPL and Venmo driving strong Q1 performance. UPST automated 92% of loans in Q1 2025, with originations expanding into auto, HELOCs and more. PayPal's partnerships and international push contrast with Upstart's rapid growth but thinner early margins.In the rapidly evolving world of fintech, investors are constantly searching for companies with innovative models and sustainable growth potential. Two such players — PayPal (PYPL) and Upsta ...