Revolut's $75B Valuation Reflects Global Fintech Ambitions and Regulatory Struggles

Revolut has launched a secondary share sale that has elevated its valuation to $75 billion, offering employees and early investors the opportunity to sell up to 20% of their holdings. The transaction, valued at $1,381.06 per share, positions the UK-based fintech as one of the most valuable private financial technology firms globally. The offering, announced to staff in mid-August, reflects sustained investor confidence despite broader market uncertainties and regulatory scrutiny. The valuation marks a significant increase from its $45 billion valuation in the previous year and aligns with the company’s broader strategy to expand its services and secure regulatory approval in key markets.

The secondary share sale is part of Revolut’s ongoing efforts to provide liquidity to its workforce and early stakeholders. Employees, who have held significant equity stakes since the company’s inception in 2015, now have the chance to cash out a portion of their holdings. A Revolut spokesperson confirmed the process, stating that the company will not provide further comments until the sale concludes. The move is seen as a strategic step to reward long-standing staff while also signaling confidence in the firm’s future growth trajectory.

Revolut’s valuation surge follows a period of strong financial performance, with annual profits more than doubling in 2024 to £1 billion. This increase was driven by strong demand in crypto trading, higher interest income, and steady growth in card fees. The fintech firm’s ability to diversify its revenue streams has been a key factor in attracting investor interest. The company has expanded its offerings beyond traditional payments to include wealth management, crypto trading, and investment services, all of which have contributed to its growing profitability.

The valuation increase also highlights Revolut’s progress in securing regulatory approvals in the UK. While the firm has held licenses in several European countries, it has faced delays in obtaining a full UK banking license. A restricted license was granted in July 2024, allowing it to operate under certain conditions. The firm has expressed frustration with the pace of regulatory decisions, particularly concerning its ability to hold customer deposits and expand into more lucrative financial products such as loans and mortgages. Revolut’s CEO, Nik Storonsky, has suggested that a U.S. IPO may be more viable than a UK listing due to the regulatory environment and market size.

The company’s valuation climb comes at a time of heightened regulatory scrutiny in the fintech sector. Revolut has invested heavily in compliance to address concerns around accounting issues, EU regulatory breaches, and corporate culture. These efforts have been accompanied by a public relations campaign to improve its reputation, including steps to enhance employee welfare and governance practices. The secondary share sale is not a traditional funding round but rather a mechanism to assess investor appetite while maintaining the firm’s private status.

Looking ahead, Revolut’s valuation and financial performance suggest that it remains a strong contender in the global fintech landscape. The company’s digital-first model and broad service offerings have enabled it to scale rapidly across multiple markets. With continued expansion in the U.S., Australia, and Asia, Revolut is positioning itself as a global financial services hub rather than a single-use product. The firm’s ability to adapt to regulatory challenges and market dynamics will be crucial in sustaining its growth and achieving its long-term ambitions.

Source: [1] Revolut valuation jumps to $75bn with staff set for payout opportunity (https://www.theguardian.com/business/2025/sep/01/revolut-valuation-jumps-75bn-staff-set-for-payout-opportunity) [2] Revolut Share Sale Lifts Valuation to $75 Billion as ... (https://www.fintechweekly.com/magazine/articles/revolut-valuation-75b-share-sale) [3] Revolut Mulls Next Moves on US Banking Acquisition (https://www.pymnts.com/news/banking/2025/revolut-considers-hiring-advisers-on-us-banking-acquisition/)