Fintechs, or financial technology stocks, have been pretty hit or miss in recent years. And many have been hit and miss, meaning they are extremely volatile, prone to big swings either way.

Two volatile fintechs, both of which show promise, are Marqeta (NASDAQ: MQ) and Bill.com (NYSE: BILL). It has pretty much been nothing but a miss for Marqeta investors since the company went public in June of 2021 with the stock getting crushed the past two years, while Bill.com has had its share of ups and downs since it went public in December of 2019.

But you have to look beyond the short-term returns -- in a bear market, no less -- to the long-term potential of these stocks. Which of the two is a better buy? Let's take a look.

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Source Fool.com