Revolut, the digital-bank darling posts a private valuation of $75 billion after a share sale, putting it ahead of legacy titans such as Barclays, NatWest and Deutsche Bank.

The $75 Billion Drop

On November 24, 2025, fintech juggernaut Revolut announced it had completed a secondary share sale that values the company at an eye-watering $75 billion. In British-centric money terms, that translates to roughly £57 billion.

This is no small bump. In August 2024, Revolut’s valuation stood at about $45 billion. The latest mark thus represents a 66 to 67 per cent leap in just over a year.

The share sale was not about raising new funds from scratch. Rather, it provided an exit route for early investors and employees to cash out, effectively marking how much the market now values their stakes.

Bigger Than Barclays

That $75 billion price-tag does more than just pop eyeballs. It puts Revolut on a pedestal, above some of Europe’s biggest, most storied banks. Analysts and commentators have explicitly compared the valuation to that of major lenders like Barclays, Lloyds Banking Group, NatWest Group and even Deutsche Bank.

That puts Revolut in rarefied air. A ten-year-old app-born startup now dwarfs institutions that have shaped banking for centuries.

Why Investors Are Throwing Money at Revolut

What’s driving this surge in value? It is not magic. Several very solid signals.

  • Revenue & Profit Growth: Revolut’s pretax profit topped £1.1 billion in the last fiscal cycle. That kind of profitability combined with a global user base, estimated at over 65 million users in 2025, gets serious attention.
  • Investor Confidence and Big-Name Backers: The secondary share sale brought in heavy hitters such as Coatue Management, Greenoaks Capital, Dragoneer Investment Group, and Fidelity Management & Research Company. Even the venture arm of technology powerhouse Nvidia jumped on board.
  • Fintech Appeal: As banking migrates to apps and services that combine payments, banking, crypto-trading, transfers and budgeting, Revolut seems positioned right at the crossroads of the future. That makes it not just a bank alternative but a potential global financial platform.

Taken together those factors make investors comfortable betting at valuation levels that would make many public banks sweat.

But All That Glitters Isn’t Gold

Valuation and hype are one thing. Long-term banking credibility is another. As impressive as the numbers are, Revolut still has important boxes to check.

Despite its growth, Revolut does not yet operate as a fully fledged UK bank. Its banking license remains in a “mobilization phase,” simple signals that regulatory approval does not yet translate to full banking maturity.

Also, many customers still do not treat their Revolut account as their primary banking account. That reduces the argument that Revolut has usurped traditional banks. Changing entrenched habits takes time and trust, two things that even a high valuation cannot guarantee.

Finally, much of Revolut’s profit seems tied to trading fees, crypto transactions, card fees and interest income from higher rates. Those revenue streams can be volatile. If macroeconomic conditions change, or crypto traffic cools off, Revolut will need more stable fundamentals, deposits, loans, mortgages, to back up that sky-high valuation.

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What This Means for Banks, Fintech and the Future

For traditional banks, Revolut’s meteoric rise is a warning sign: if a ten-year-old fintech can attract more investor money than century-old institutions, it underscores a shift in how money is managed, stored and moved.

For fintech, Revolut’s valuation confirms there is still massive upside. For global investors, digital-first, lean, cross-border platforms look like a safer, faster bet than slow-moving legacy banks.

For Revolut itself, the challenge now is converting this valuation into long-term, stable banking infrastructure. If it can snag a full license, expand deposit bases, offer loans and mortgages, then that $75 billion evaluation will start to feel less like conjecture and more like a foundation for a real banking giant.

If not, it might just go down as one of the boldest, and most expensive, fintech bets ever placed.

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Source: Finance Magnates