The financial technology, or fintech, industry has had a wild ride in recent years. Low interest rates helped companies develop new products and services, but then rapid interest rate hikes by the US Federal Reserve curbed fintech growth.

However, a handful of companies have emerged from the crisis stronger and are on track to become potential winners for investors. Here are three fintech stocks that could perform well in the coming years.

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1. SoFi Technologies

SoFi Technologies (SOFI) offers its customers a variety of fintech services, from savings accounts to investments and loans. And even though people can choose between different online banks these days, SoFi continues to attract customers.

The company added 643,000 new customers in the second quarter, a 41% increase from the same period last year, bringing SoFi’s total customer base to an impressive 8.8 million. Equally impressive was the company’s revenue growth in the quarter, which rose 20% to $598.6 million.

However, long-term investors should consider SoFi’s profitability. The company just closed its third consecutive quarter of profits and has made impressive progress in a short period of time. Net income was $17.4 million last quarter, compared to a loss of $47.5 million in the same quarter last year.

Despite SoFi’s momentum, the company’s shares are still trading at a discount. SoFi’s price-to-sales (P/S) ratio is just 2.8 at current prices, compared to a P/S ratio of 4 during the same period last year. Given the company’s strong customer base and profitability, I believe SoFi will develop into a strong fintech company over the next few years.

2. PayPal Holdings

As an established player in digital payments PayPal (PYPL 0.69%) has had to adapt to a fast-growing fintech space and fend off more competitors than ever before. To navigate a brave new world of payments, the company hit the reset button across its entire leadership team last year.

Under the new leadership of CEO Alex Chriss, PayPal is turning things around. In the second quarter, PayPal’s earnings and revenue according to generally accepted accounting principles (GAAP) exceeded analysts’ estimates, rising 17 percent and 8 percent, respectively. The company’s transactions per active account also rose 11 percent.

But it’s not just PayPal’s recent growth that investors should pay attention to. The company is also on solid financial footing, with free cash flow of $1.4 billion in the quarter and cash and cash equivalents of over $18 billion.

With new leadership getting PayPal back on track, long-term investors have a chance to buy PayPal stock while it’s still down. The stock has fallen 70% over the past three years. But with the turnaround already underway, betting on the company’s current recovery could be a smart move in a few years.

3. Visa

visa‘S (V 0.17%) Payment processing companies charge fees when businesses make sales through their payment platforms. The company is a leader in this space, holding about 40% of the market, ahead of all its U.S. competitors.

Cashless payments are growing rapidly around the world, and will reach $2.2 trillion by 2027, according to Statista, up from $1.5 trillion today. And Visa’s leadership in the payments space gives the company a leg up on its competitors as this trend grows.

Visa also has other opportunities that it taps into with its “other revenue” category, which includes consulting services, marketing and licensing. Other revenue rose 31% in the fiscal third quarter (ended June 30) and now represents about 9% of Visa’s total revenue.

Although Visa is well positioned in the payments space, the company’s share price has fallen by about 6% over the past six months, giving investors the chance to buy Visa shares at a relative discount.

While all of these fintech stocks have great growth potential over the next few years, it’s worth noting that the market could experience some volatility as investors process rising unemployment and potential interest rate cuts from the Federal Reserve. Instead of fixating on the short-term noise, focus on the long-term potential of the fintech market.