The global fintech market continues to expand rapidly (≈$340B in 2024), driven by innovations in digital banking, payments, and lending. Leading firms demonstrate exceptional year-over-year growth in revenue, user base, funding, and valuation. Below we highlight notable public companies and private startups around the world with the strongest recent growth, using metrics such as revenue increases, customer growth, and new funding rounds.

Public Fintech Companies

Affirm (AFRM) – USA

A leading buy-now-pay-later (BNPL) platform. In FY2024 Affirm’s revenue jumped to $2.323 B, a 46% increase year-over-year. This growth reflects strong loan originations across its merchant partners.

• Headquarters: San Francisco, California, USA

• Founded: 2012

• Total Funding: Over $1.5 billion (pre-IPO)

• Valuation: $17.4 billion market cap (May 2025)

• Users: 22 million active consumers (Q3 FY2025), up 2 million from the previous quarter.

• Product Features: BNPL, Affirm Card (GMV up 115% YoY), savings accounts7

• Recent News:
  1. New partnerships with World Market and UATP to expand flexible payment options in retail and travel sectors.
  2. Affirm Card adoption surging; Apple, Amazon, and Shopify partnerships continue to drive growth.
  3. Q3 FY2025 GMV reached $8.6B (+36% YoY); revenue up 36% YoY; company on track for GAAP profitability by end of fiscal year.
  4. Stock price up 33% in the past month despite softer forward guidance

Adyen (ADYEN) – Netherlands

A global payments processor. Adyen reported a full-year 2024 net revenue of €1,996.1 M, which was up 23% YoY, processing €1,285.9 B in volume (33% YoY). The company continues to expand both e-commerce and in-store payment services worldwide.

• Headquarters: Amsterdam, Netherlands

• Founded: 2006

• Total Funding: Privately funded (IPO in 2018)

• Valuation: $59.6 billion market cap (May 2025)

• Product Features: Online & POS payments, risk tools, unified commerce

Upstart (UPST) – USA

An AI-driven lending marketplace. Upstart’s 2024 revenue reached $637 M (+24% YoY). Its Q4’24 revenue of $219 M (vs $140 M in Q4’23) reflects surging loan volume as the platform expands in auto and personal lending.

• Headquarters: San Mateo, California, USA

• Founded: 2012

• Total Funding: ~$160 million (pre-IPO)

• Valuation: Market capitalization is fluctuating

• Product Features: AI-powered lending for personal and auto loans

Wise (WISE) – UK

A cross-border payments platform. In FY2024, Wise’s underlying income grew 31% to £1,172.7 M, and total revenue rose 24% to £1,052 M. This was driven by a 29% jump in active customers (to 12.8 M) (electroiq.com) and higher transaction volume.

• Headquarters: London, UK

• Founded: 2011

• Total Funding: Over $1.1 billion (pre-IPO)

• Valuation: Public company – market cap fluctuates

• Users: 12.8 million (2024)

• Product Features: International transfers, multi-currency accounts, Wise card

Nubank (NU) – Brazil

A large digital bank. Nubank reached $11.5 B in 2024 revenue (58% YoY growth). It now serves ~114 M customers globally (a 22% increase) and nearly doubled net income to ~$2.0 B (businesswire.com). Its rapid expansion in Latin America (e.g. 10 M users in Mexico) has fueled this growth.

• Headquarters: São Paulo, Brazil

• Founded: 2013

• Total Funding: Over $2.3 billion (pre-IPO)

• Valuation: Public company – market cap varies

• Users: ~119 million customers (2025)

• Product Features: Digital bank with cards, loans, savings, insurance

• Recent News: Received regulatory approval for a full banking license in Mexico

Fast-Growing Private Fintech Companies

Stripe (USA)

A major payments infrastructure provider. In 2024 Stripe’s merchants processed roughly $1.4 trillion in volume, a 38% increase over 2023. The company remains privately valued near $70 B (mid-2024) (chargeflow.io) and continues adding large enterprise customers.

• Headquarters: South San Francisco, USA & Dublin, Ireland

• Founded: 2010

• Total Funding: Over $2.2 billion

• Valuation: $91.5 billion (Feb 2025)

• Users: Millions of businesses worldwide

• Product Features: Payment processing, payment APIs, fraud detection, checkout, billing, reporting

• Recent News:

  • Launched $1B+ employee liquidity program

  • Processed $1.4T in total payment volume (TPV) in 2024

Checkout.com (UK)

A cross-border payments firm. Checkout.com reported +45% net revenue growth in 2024 (checkout.com) and achieved profitability by year-end. Over 40 merchant clients now process $1B+ each on its platform (checkout.com), underscoring its rapid scaling globally.

• Headquarters: London, UK

• Founded: 2012

• Total Funding: Over $1 billion

• Valuation: $9.35 billion (2023)

• Users: 40+ merchants processing $1B+

• Product Features: Global payments, fraud detection, analytics

• Recent News:

  • Achieved profitability in 2024

  • Added 300+ enterprise clients

Klarna (Sweden)

A pioneering BNPL and consumer finance platform. In 2024 Klarna grew revenue 24% to $2.81 B, and recorded a $21 M net profit (versus a large loss in 2023) as it prepared for a US stock listing. Its valuation surged from $5.5 B to $46.5 B over two years, highlighting renewed investor confidence.

• Headquarters: Stockholm, Sweden

• Founded: 2005

• Total Funding: Over $4.2 billion

• Valuation: $15 billion (March 2025)

• Users: 93 million globally

• Product Features: BNPL, Klarna Card, shopping app

• Recent News:

  • Preparing for US IPO

  • Signed an exclusive BNPL deal with Walmart

Revolut (UK)
A challenger digital bank. Revolut’s FY2024 revenue jumped 72% to £3.1 B. It turned a profit (£790 M) and expanded to ~42 M customers (up 38%). A late-2024 secondary share sale implied a valuation of ~$45 B for this highly scaled startup.

• Headquarters: London, UK

• Founded: 2015

• Total Funding: Over $1.7 billion

• Valuation: ~$45 billion (late 2024)

• Users: 52.5 million (2024)

• Product Features: Banking, investments, FX, crypto, loans, insurance

Plaid (USA)

An open banking and financial data API provider. Plaid powers connectivity between financial institutions and fintech apps like Robinhood, Venmo, and Coinbase. The company has expanded internationally and deepened its product stack in fraud prevention and payments.

• Headquarters: San Francisco, USA

• Founded: 2013

• Total Funding: $735 million+

• Valuation: $13.4 billion (2021)

• Users: 12,000+ financial institutions and apps

• Product Features: Financial data APIs, identity verification, account linking, payments

• Recent News: Entered direct payments and payouts market to compete with Stripe and Tink

Brex (USA)

A corporate cards/financial OS provider. In 2024 Brex’s revenue tripled year-over-year as it added large enterprise clients (now ~150 public companies). It expects roughly $500 M net revenue in 2025 and will turn cash-flow positive as growth accelerates.

• Headquarters: San Francisco, USA

• Founded: 2017

• Total Funding: Over $1.5 billion

• Valuation: Not publicly disclosed

• Users: 150+ public company clients

• Product Features: Corporate cards, expense tools, cash accounts

Monzo (UK)

A consumer challenger bank. Monzo’s FY2024 revenue reached £880 M, up 147% over the prior year. It reported a £15.4 M profit (its first full-year profit) and saw card spending rise 42% YoY. Monzo gained ~2.3 M new customers in 2024, reflecting its broadening product range in banking services.

• Headquarters: London, UK

• Founded: 2015

• Total Funding: Over $1.1 billion

• Users: 9.3 million (2024)

• Product Features: Personal banking, Monzo Flex (BNPL), savings, loans

ANNA Money (UK)

A business banking platform for SMEs. ANNA reported £10.7 M in revenue with a 140% 3-year sales growth rate. In 2024, it acquired GetCape to strengthen its expense and payroll stack. The company has raised over £26M to date and continues to expand rapidly in the UK fintech market.

• Headquarters: Cardiff, UK

• Founded: 2017

• Total Funding: £26 million+

• Users: 100,000+ small businesses

• Product Features: Business accounts, AI invoicing, tax, bookkeeping

• Recent News: Acquired GetCape to expand business finance services

Airwallex (Australia)

A global payments and FX platform. In FY2024 Airwallex’s Singapore business more than doubled revenue (+153% YoY), driven by strong adoption among SMEs. Airwallex’s growth has been triple-digit across APAC, reflecting rising demand for its cross-border payment solutions.

• Headquarters: Singapore

• Founded: 2015

• Total Funding: $900 million+

• Valuation: Estimated $5.5 billion (last known valuation)

• Users: Businesses across Asia-Pacific, Europe, and North America

• Product Features: FX, virtual cards, borderless payments, business accounts

Qonto (France)

A neobank serving SMEs and freelancers across Europe. Qonto reported strong growth in customers and revenue in 2024, driven by expansion in Italy, Germany, and Spain. Its focus remains on simplifying business finance in the EU.

• Headquarters: Paris, France

• Founded: 2016

• Total Funding: Over $630 million

• Valuation: $5 billion (Series D, January 2022)

• Users: Over 400,000 businesses in Europe

• Product Features: Business accounts, invoicing, debit cards, team expense management

• Recent News: Acquired German startup Penta to solidify presence in DACH region

Ramp (USA)

A finance automation platform for businesses. Ramp continues to grow rapidly, with significant traction among mid-sized and large U.S. companies looking to automate spend management. Its revenue more than doubled in 2024, and it recently raised a large round to accelerate product development and AI features.

• Headquarters: New York, USA

• Founded: 2019

• Total Funding: Over $1.7 billion

• Valuation: $7.65 billion (August 2023)

• Users: 25,000+ businesses

• Product Features: Corporate cards, spend management, expense automation, real-time reporting

• Recent News: Launched AI-powered procurement and vendor tools, expanding from cards into broader finance stack

Rho (USA)

A unified financial platform for businesses. Rho integrates corporate banking, AP/AR automation, expense management, and treasury into one interface. It’s growing fast among high-growth startups and mid-market firms.

• Headquarters: New York, USA

• Founded: 2018

• Total Funding: $225 million

• Valuation: Estimated near $1 billion (based on latest round, Jan 2024)

• Users: Thousands of U.S.-based businesses

• Product Features: Corporate banking, AP automation, expense cards, treasury tools

• Recent News: Raised Series B to scale automation and AI finance features for CFOs