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Public Comps and Valuation Multiples for Online Lending

Benchmark revenue and EBITDA valuation multiples for public comps like
Rocket Companies, SoFi, Jio Financial Services, Figure Technology and PB Fintech.

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Online Lending

Viewing 50 of 62 companies with full data

Company	Market Cap	Enterprise Value	LTM Revenue	EV/LTM Revenue	EV/LTM EBITDA
Rocket Companies	$44B	$65B	$8B	7.7x	31.2x
SoFi	$20B	$22B	$4B	5.6x	17.8x
Jio Financial Services	$17B	$19B	$318M	61.0x	—
Figure Technology	$8B	$8B	$591M	13.5x	26.7x
PB Fintech	$8B	$8B	$740M	10.6x	128.3x
Klarna	$5B	$2B	$4B	0.6x	18.5x
Nelnet	$4B	$12B	$2B	7.0x	—
Enova International	$4B	$9B	$3B	2.7x	10.4x
Bread Financial	$4B	$7B	$4B	1.9x	—
Sezzle	$3B	$3B	$501M	6.5x	15.4x
Upstart	$3B	$5B	$1B	4.0x	18.5x
Lufax Holding	$2B	$13B	$4B	3.2x	—
Zip	$2B	$4B	$928M	4.3x	25.6x
LendingClub	$2B	$2B	$1B	1.9x	—
Wealthfront	$2B	$1B	$373M	3.4x	7.5x
Yixin Group	$2B	$6B	$2B	3.2x	19.7x
Qfin Holdings	$2B	$2B	$3B	0.9x	—
PROG Holdings	$1B	$2B	$3B	0.9x	7.8x
Pagaya	$1B	$928M	$1B	0.7x	2.4x
FinVolution Group	$1B	$343M	$2B	0.2x	0.9x
Avarda Bank	$1B	$1B	$343M	3.3x	—
Upbound	$1B	$3B	$5B	0.6x	5.3x
United International Holding	$887M	$864M	$195M	4.4x	—
OppFi	$797M	$1B	$619M	1.7x	4.4x
loanDepot	$759M	$5B	$1B	3.6x	—
Green Dot	$715M	($641M)	$2B	(0.3x)	(3.7x)
Propel Holdings	$677M	$1B	$634M	1.6x	7.1x
Better Home & Finance	$567M	$979M	$196M	5.0x	(12.2x)
Pepper Money	$552M	$13B	$285M	45.9x	—
LendingTree	$543M	$896M	$1B	0.8x	6.3x
Funding Circle	$532M	$697M	$289M	2.4x	12.8x
TROOPS	$511M	$507M	—	—	—
eGuarantee	$482M	$414M	$73M	5.6x	—
goeasy	$387M	$4B	$1B	3.1x	—
LexinFintech	$344M	$732M	$2B	0.4x	2.7x
Blend Labs	$334M	$276M	$126M	2.2x	16.8x
Net Protections Holdings	$278M	$201M	$163M	1.2x	6.7x
Oportun	$263M	$3B	$951M	3.1x	—
Jiayin Group	$257M	$351M	—	—	—
Humm Group	$227M	$3B	$374M	9.0x	74.4x
Solvar	$206M	$560M	$142M	3.9x	8.0x
X Financial	$193M	$219M	—	—	—
Yiren Digital	$173M	($312M)	—	—	—
Multitude	$154M	($139M)	$281M	(0.5x)	(1.6x)
DeFi Development	$132M	$249M	$13M	19.8x	(28.6x)
Plenti Group	$111M	$2B	$221M	9.0x	114.9x
Credit Clear	$86M	$68M	$40M	1.7x	9.7x
Veefin	$84M	$90M	—	—	—
Vroom	$63M	$832M	—	—	—
Harmoney Corp	$56M	$637M	$92M	6.9x	59.6x
Beforepay	$53M		$34M
LendInvest	$49M		$62M
MoneyMe	$49M		$159M
Katapult	$30M		$296M
Wisr	$25M		$76M
ITF Group	$22M		—
NEO Finance	$11M		—
SaveLend	$10M		—
Raize-Instituicao	$8M		—
Butn	$6M		—
Fast Finance24	$2M		—
AI Unlimited Group	$157K		—