Fintech Valuation
Payments, lending, neobanks, and financial technology companies valued for M&A, 409A, and financial reporting.
Fintech companies valued
Transaction value assessed
Audit-ready
Fintech valuation complexity
Financial technology companies face unique challenges from regulatory requirements to platform economics.
Complex Revenue Models
Payment processing, interchange, platform fees, and embedded finance create multi-layered revenue streams requiring careful analysis.
Regulatory Environment
Banking licenses, money transmitter requirements, and compliance frameworks materially impact business models and risk.
Rapid Market Evolution
Fast-moving competitive dynamics and evolving customer expectations require forward-looking valuation approaches.
Technology & Scale
Network effects, platform economics, and technology infrastructure create significant valuation complexity.
Fintech-specific methodology
We combine financial services expertise with technology valuation frameworks.
Revenue & Economics Analysis
We evaluate payment flows, take rates, and unit economics across the value chain.
- Transaction volume analysis
- Take rate decomposition
- Net revenue retention
- Customer economics modeling
Regulatory Assessment
Analysis of licensing requirements, compliance costs, and regulatory risk factors.
- License requirements review
- Compliance cost analysis
- Regulatory capital needs
- Policy change scenarios
Platform & Network Analysis
Evaluation of network effects, platform dynamics, and competitive positioning.
- Network effect assessment
- Platform stickiness metrics
- Competitive moat analysis
- Market share dynamics
Valuation Methodologies
Multiple approaches calibrated for fintech business model characteristics.
- Revenue and TPV multiples
- DCF with scenario analysis
- Sum-of-parts valuation
- Comparable transactions
Fintech sectors we serve
Payment Companies
Payment processors, gateways, and acquiring businesses
Lending Platforms
Consumer and SMB lending platforms and marketplaces
Banking & Neobanks
Digital banks and banking-as-a-service providers
Wealth & Insurance
Wealthtech, insurtech, and embedded finance
B2B Fintech
Infrastructure, treasury, and enterprise fintech
Crypto & Blockchain
Exchanges, custodians, and blockchain infrastructure
Need a fintech valuation?
Let's discuss your fintech valuation needs and timeline.