Revolut

Revolut is a global fintech company revolutionizing personal and business finance through its all-in-one financial superapp. For investors looking to buy Revolut stock or invest in Revolut's growth, understanding the company's leadership in digital finance, innovative product offerings, and global reach is essential. With over 28 million individual users and 500,000 business users across 200+ countries, Revolut has established itself as a leader in the fintech sector.

Company Overview

  • Founded: 2015

  • Headquarters: London, England

  • Industry: Fintech

  • Total Funding: $1.7 billion

  • Current Valuation: $33 billion

  • Employee Count: 1,001-5,000

  • Website: www.revolut.com

Highlights for Revolut

  • Valued at $33 billion following a successful Series E funding round.

  • Over 28 million individual users and 500,000 business users.

  • Global operations spanning 200+ countries and regions.

  • Rapid revenue growth, exceeding $1 billion in 2022.

  • Expanding product suite including banking, investments, and crypto services.

Product & Technology

Core Offerings:

  • Personal Finance: Budgeting tools, salary advances, bill splitting, and personalized debit cards.

  • Crypto Services: Access to 90+ cryptocurrencies with 30 fiat currency payment options.

  • Investment Services: Commission-free stock trading with access to 1,500+ global stocks.

  • Commodities: Buy and sell gold and silver.

  • Spend Management: For businesses to track, manage, and analyze financial operations.

  • International Transfers: Low-fee money transfers across multiple countries.

Technology Stack:

  • Mobile-first banking infrastructure.

  • Real-time transaction processing.

  • Advanced budgeting and analytics tools.

  • Scalable backend architecture supporting millions of transactions daily.

Competitive Advantages

  • Global Reach: Presence in over 200 countries and regions.

  • All-in-One Financial Platform: Combining banking, investments, and payments.

  • Innovative Features: Budgeting tools, salary advances, and automated analytics.

  • Cost Efficiency: Low fees for international transactions.

  • Strong Customer Base: Rapidly growing individual and business user adoption.

Market Opportunity

The global fintech market is growing rapidly, with digital banking and financial services adoption increasing across all demographics. The spend management platform market alone was valued at $15.9 billion in 2021, and Revolut's platform is positioned to capture significant market share across multiple verticals.

Market Trends:

  • Rising adoption of digital wallets and neobanking.

  • Increased demand for transparent, low-fee international transfers.

  • Growth in cryptocurrency adoption for retail and institutional investors.

  • Expansion of automated financial analytics and spend management.

Financial Overview

  • Annual Revenue: Exceeded $1 billion in 2022.

  • Revenue Growth: From £220 million in 2020 to £850 million+ in 2022.

  • Gross Margin: Improved from 33% in 2020 to 70% in 2021.

Funding History and Investment Rounds

  • Seed Round: $2.15 million, valuation at $7.69 million.

  • Series A: $16.8 million, valuation at $49.21 million.

  • Series B: $87.32 million, valuation at $441.37 million.

  • Series C: $337.32 million, valuation at $1.7 billion.

  • Series D: $917.32 million, valuation at $5.5 billion.

  • Series E: $1.7 billion, valuation at $33 billion.

Leadership Team

Nikolay Storonsky, CEO & Co-founder:

  • Former Equity Derivatives Trader at Credit Suisse and Lehman Brothers.

  • Studied Physics at Moscow Institute of Physics and Technology.

Mikko Salovaara, CFO:

  • Former Investor at Elliott Advisors and 3G Capital.

  • Studied at Yale University.

Vladyslav Yatsenko, CTO & Co-founder:

  • Former Senior Software Engineer at Credit Suisse.

  • Studied Computer Science at National University of Kyiv-Mohyla Academy.

Additional Considerations

Growth Drivers:

  • Expansion into new markets and regions.

  • Increasing adoption of digital banking and crypto services.

  • Rising demand for commission-free trading and financial automation.

Risks and Challenges:

  • Regulatory uncertainties in global financial markets.

  • Intense competition in fintech and neobanking sectors.

  • Dependence on subscription-based revenue models.

Future Outlook

  • Expansion of product offerings across personal and business finance.

  • Increased adoption of cryptocurrency and stock trading services.

  • Entry into emerging fintech markets.

  • Potential public market debut.


Jeremy Nelson