There is more money in fintech than there has been in four years, but look at how it is distributed. The ten largest deals took 58% of all value. Good companies between $10M and $50M in revenue are not getting underpriced; they are getting skipped unless they map directly onto a strategic buyer’s stated roadmap.
Key Market Drivers
- Strategic Thesis Alignment: Acquirers with high conviction buy against pre-defined strategic gaps rather than general opportunistic outreach.
- Embedded Banking & Wealth: Platforms integrating ledger infrastructure, compliance tooling, and real-time payments command premium revenue multiples.
- PE Platform Rollups: Financial sponsors are assembling end-to-end FinTech stacks to cross-sell to regional and national institutions.
