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These four letters have led savvy investors to a windfall over the past decade
  • Just consider, early public companies adopting this innovative new four-letter business model have shot up 377%... 935%... even 2,365%... over the past 10 years alone!
  • Think you missed the boat? Think again! A little-known Swedish company sitting at the intersection of both this business model AND artificial intelligence just went public back in September of 2025.
  • The Motley Fool is so excited about this company we do something we hardly EVER do – recommend a stock directly after it IPOs.

Dear fellow investor,

One radical new business model is taking the investing world by storm, sending newly public companies soaring 377%… 935%... even 2,365%, all within the past decade alone.

It’s not anything to do with subscriptions or memberships… nor SaaS (software-as-a-service), PaaS (platform-as-a-service), IaaS (infrastructure-as-a-service)... or anything with the word “service” in the name.

In fact, a reported 87 million Americans – that’s a full quarter of the country – are already using this innovative new form of financing.

It’s called “Buy Now, Pay Later” (BNPL), and it’s revolutionizing consumerism as we know it around the globe.

‘Buy now, pay later’ boom shows shoppers are swapping impulse buys for strategy

– The Washington Post

Consumers Spend Twice as Much When Paying with Credit Card-Linked Installments Versus Traditional Buy Now, Pay Later Plans, According to Retailers

– PR Newswire

U.S. Shoppers Turn To Buy Now, Pay Later For Groceries As High Costs Bite

– Forbes

Unsurprisingly, newly public BNPL companies have exploded in value as the business model has come into the mainstream across the past decade.

Hot Motley Fool recommendation Sezzle has shot up 377% (nearly 5X) since IPO’ing just back in 2023…

Sydney-based Zip Co Limited is up 935% (10X) since going public in 2015.

And Afterpay skyrocketed 2,365% (24X) from 2017 to 2022, before ultimately being acquired by Block.

5X… 10X… even 24X.

After seeing returns like that, you’re probably wondering…

Have I already missed out?

Think again.

You see, over the past few years, The Motley Fool has been closely monitoring a little-known BNPL company based in Stockholm.

We’ve been on the trail for so long because they initially intended to IPO back in 2022, but delayed due to the negative market environment.

(You probably remember how sky-high inflation forced the Fed to dramatically raise interest rates around that time period, sending the market tumbling.)

Their patience could be our gain.

That’s because this Swedish BNPL provider just went public this past September.

And with the additional time between when they first expected to go public and when they actually did go public, they’ve been able to incorporate AI into their software far more thoroughly than if they’d IPO’d back in 2022 – making their product that more powerful.

(Recall that ChatGPT didn’t go live until November 2022 – sending the AI market soaring in the process.)

So if you haven’t yet joined Motley Fool co-founder Tom Gardner on his highly successful Sezzle recommendation…

This could be a unique second chance to get in on the ground floor with the BNPL business model that’s taking Wall St. (and global consumerism) by storm.

Now, we need to address the elephant in the room…

If you’ve been with the Fool for any lengthy amount of time, you know we rarely recommend recent IPOs.

But Tom and his “Hidden Gems” analyst team are simply so excited by this intersection of the BNPL business model with a mindfully built-out AI strategy that it was too much to pass up.

Tom himself even pointed out in the BUY recommendation that:

“Investing immediately after an IPO can be risky, particularly when hype about the offering sends share prices into the stratosphere. However, that hasn't happened with XXXXXX.

Indeed, it seems that the IPO price just about nailed investor demand for the BNPL stock, as prices have actually eased slightly lower in the weeks since the offering.”

– Motley Fool CEO Tom Gardner

If you’d like to get access to Tom and team’s full write-up on this BNPL stock and why we think it could be a great investment right now, we’ve put together a timely new report with our full due diligence called...

1 Top Motley Fool 'Hidden Gem'

For instant access, simply complete the order form directly below.

You’ll get a sneak peek inside our Stock Advisor service, as well as getting access to this incredibly timely stock recommendation our experts think could prove to be a lucrative investment for years to come.

Just scroll down below to get access now!

*Returns as of 12/03/2025 unless otherwise noted.

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The Premium Team has no position in any of the stocks mentioned. Tom Gardner has no position in any of the stocks mentioned. The Motley Fool has positions in Sezzle. The Motley Fool has a disclosure policy.