-1%

est. 2Y upside i

FinTechSeries B

Mos is an app that gives college students access to the largest pool of financial aid and scholarships in America.

Rank

#2319

Sector

Fintech

Est. Liquidity

~3Y

Data Quality

Data: Low

The expected upside is strongly negative (-65%) due to a stale valuation, missing financials, high incumbent threat, and preference stack overhang.

Last updated: July 19, 2026

Bull (10%)+1%

If IPO window opens and Mos maintains its 16x multiple, revenue could reach $41M, implying $656M exit. However, incumbent threat and stale mark make this unlikely.

Base (45%)-1%

Multiple compresses to 4x, exit $164M, a 59% loss from entry valuation.

Bear (45%)-1%

Multiple falls to 2x, exit $82M below $84M preference stack, common equity wiped out.

Est. time to liquidity~3.0 years

Preference Stack Risk

high

Funding Intensity

21%

Total funding of $84M represents 21% of the stale $400M valuation, creating a significant overhang.

Dilution Risk

low

No recent funding round suggests cash runway may be adequate for 2+ years.

Secondary Liquidity

none

No secondary market activity observed.

Other — 2 roles

View all 2 open roles at Mos →

Last updated: March 10, 2026

Questions to Ask at the Interview

Strategic questions based on Mos's data — designed to show you've done your homework.

  • 1

    “How does Mos plan to differentiate from established banks and fintech companies targeting students?”

  • 2

    “What is the current unit economics and path to profitability given the subscription revenue model?”

  • 3

    “Given the preference stack of $84M on a $400M valuation, what is the realistic outcome for common stock holders in a liquidity event?”

Community

Valuation Sentiment

Our model estimates -1% 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.