Facio
+26%
est. 2Y upside i
Salary advance to employees in Brazil.
Rank
#1457
Sector
Fintech
Est. Liquidity
~2Y
Data Quality
Data: MediumFacio offers a moderate expected 26% upside over 2 years, but with high risk due to severe preference overhang ($20.5M vs $16.2M valuation) and missing growth data.
Last updated: July 20, 2026
If Facio captures category leadership and an IPO window opens, exit multiple expands to 6x on $7.7M revenue, implying $46.2M exit, net 165% upside after 20% dilution.
Base case exit multiple converges to 3.5x, in line with low-growth Brazilian fintech comps, on $7.7M revenue implies $27M exit, net 46% upside after 20% dilution.
If growth disappoints and multiple compresses to 1.5x, exit value $11.6M is below $20.5M total funding, leaving common stock worthless (preference stack liquidation).
Preference Stack Risk
severeFunding Intensity
12650%Total funding of $20.5M exceeds current valuation of $16.2M, so common stock is underwater on a liquidation preference basis.
Dilution Risk
highWith $5.4M ARR and $20.5M funding, cash burn likely necessitates a future round, diluting existing common by ~20%.
Secondary Liquidity
noneNo secondary market activity reported; liquidity event likely via acquisition or IPO, timeline uncertain.
Questions to Ask at the Interview
Strategic questions based on Facio's data — designed to show you've done your homework.
- 1
“How does Facio plan to achieve profitability given the low gross margin?”
- 2
“What is the strategy for obtaining a financial institution license in Brazil?”
- 3
“How does the equity structure handle dilution from future rounds?”
Community
Valuation Sentiment
Our model estimates +26% upside. What do you think?
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Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.