-52%

est. 2Y upside i

FinTechEdTechSeries B

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

Rank

#1394

Sector

Fintech, EdTech

Est. Liquidity

~3Y

Data Quality

Data: Medium

Mos operates in a large and critical market for Gen Z, offering a comprehensive financial aid and banking platform.

Last updated: March 10, 2026

Bull (20%)+250%

Mos successfully expands its 'financial super app' vision beyond financial aid and banking, capturing significant market share among Gen Z for broader financial needs. This drives revenue to over $100M by 2028, justifying a $1.4B+ valuation at a premium multiple, leading to a strong acquisition or IPO.

Base (50%)+75%

Mos maintains its position as a leading platform for student financial aid and banking, growing steadily within its niche. Revenue reaches approximately $50M-$60M by 2028, leading to an acquisition at a $700M valuation, providing a moderate return for equity holders.

Bear (30%)-60%

Increased competition from established fintechs and traditional banks, coupled with slower-than-expected user acquisition or monetization, limits Mos's growth. Revenue stagnates below $30M, leading to a down round or an acquisition at a significantly reduced valuation of $160M or less, severely impacting common stock value due to liquidation preferences.

Est. time to liquidity~3.0 years

Preference Stack Risk

high

Funding Intensity

21%

Investors hold $84M in liquidation preferences. In an exit at the current $400M valuation, $84M would go to preferred shareholders first, leaving $316M for common shareholders. If the exit valuation is below $84M, common shareholders would receive nothing.

Dilution Risk

moderate

As a Series B company 4 years post-funding, it is likely Mos will require at least one more significant funding round (Series C or D) before a liquidity event, which would result in further dilution for existing equity holders.

Secondary Liquidity

none

No information was found regarding active secondary markets or tender offers for Mos shares.

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

    “Given the competitive landscape with both traditional banks and other fintechs like Greenlight, how does Mos plan to sustain its 'moderate' competitive moat and differentiate its offering, particularly for the premium advisory services?”

  • 2

    “The last reported funding was in early 2022. How has the company's revenue growth trajectory evolved since then, and what are the key drivers for reaching profitability or the next funding milestone?”

  • 3

    “With $84M in total funding on a $400M valuation, what is the company's strategy for managing future dilution, and what is the anticipated timeline and preferred path (IPO vs. acquisition) for a liquidity event for employees?”

Community

Valuation Sentiment

Our model estimates -52% upside. What do you think?

Anonymous. Do not share material non-public information.

Community Discussion

Comments are reviewed before they appear publicly.

0/2000

Loading comments...

Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.