Oper

-34%

est. 2Y upside i

FinTechSeries A

Rank

#3005

Sector

Fintech Software

Est. Liquidity

~4Y

Data Quality

Data: Low

Equity upside is deeply negative (-33.8% expected) due to stale valuation, near-zero growth, and a preference stack that annihilates common shares.

Last updated: July 19, 2026

Bull (10%)+56%

AI-driven leadership in European mortgage digitization wins major clients, expanding multiple to 6x. Net upside 56.4% after 20% dilution.

Base (45%)+12%

Steady but slow growth, multiple converges to 4.5x. Net upside 12.3% after dilution, reflecting stable but unexciting returns.

Bear (45%)-100%

Low growth and severe preference stack lead to common equity wipeout. Exit below $14.7M funding leaves shares worthless.

Est. time to liquidity~4.0 years

Preference Stack Risk

severe

Funding Intensity

368%

Total funding of $14.7M nearly equals estimated valuation of $15M, leaving almost no equity for common in liquidation.

Dilution Risk

high

Low revenue growth and likely cash burn suggest a down round or equity raise within 24 months.

Secondary Liquidity

none

No secondary market activity reported; illiquid until exit event.

Other — 1 role

Last updated: February 22, 2026

Questions to Ask at the Interview

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

1
“How does Oper's AI underwriting compare to incumbent banks' in-house solutions?”
2
“What is the customer acquisition cost and average contract length?”
3
“How does the equity structure handle future down rounds, and what is the current option pool size?”

Our model estimates -34% 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.