payjoy
+95%
est. 2Y upside i
Rank
#483
Sector
Fintech
Est. Liquidity
~3Y
Data Quality
Data: MediumPayJoy offers a 94.8% expected upside over 2 years, driven by 40% growth and profitability.
Last updated: July 19, 2026
Exit multiple holds at 6x on $917M revenue, giving enterprise value of $5.5B. After $711.5M preference, common equity is $4.79B. Capped at +100% by stage constraint.
Exit multiple converges to 4x on $917M revenue, enterprise value of $3.67B. After preference, common equity is $2.96B, yielding 188.8% upside.
Exit multiple compresses to 2x on $917M revenue, enterprise value of $1.83B. After $711.5M preference, common equity is $1.12B, only 9.6% upside.
Preference Stack Risk
severeFunding Intensity
6950%Total preferred stock liquidation preference is $711.5M, representing ~69.5% of the current $1.024B valuation, severely diluting common equity in a downside scenario.
Dilution Risk
lowCompany is profitable, so no near-term equity dilution expected.
Secondary Liquidity
noneNo secondary market activity reported.
Go To Market — 46 roles
- Analista de Operações – Fraude & Risk Ops · São Paulo
- Brand Marketing Director · Mexico City
- Business Analyst (Sales) · São Paulo
- +43 more →
Product Development — 26 roles
- Android Security Engineer · Manila
- Cloud Infrastructure Staff Engineer · San Francisco, CA
- Principal Product Manager - Identity · Mexico City
- +23 more →
Operations — 9 roles
- Clerk Support Manager - D2C Global · Mexico City
- Clerk Support Representative · Lima
- Clerk Support Representative · Panama City
- +6 more →
Finance — 8 roles
- Accounting Manager · Ecuador
- Accounts Payable Manager -Travel and Expenses · Mexico City
- Corporate Finance Director · San Francisco, CA
- +5 more →
People — 5 roles
- Banco de Talentos - Pessoas com Deficiência · São Paulo
- HRIS Systems Analyst · Mexico City
- Human Resources Business Partner · Jakarta
- +2 more →
Counsel — 4 roles
- Compliance Director · San Francisco, CA
- Regulatory & Strategic Contracts Manager · Mexico City
- Regulatory Affairs Officer · Jakarta
- +1 more →
Financial Products — 2 roles
- Fraud Operations Representative · Johannesburg
- Risk Analyst (Advanced SQL) · Mexico City
Last updated: March 10, 2026
Questions to Ask at the Interview
Strategic questions based on payjoy's data — designed to show you've done your homework.
- 1
“How would you expand PayJoy's technology to other asset classes beyond smartphones?”
- 2
“What are the unit economics of a typical loan, and how do they vary by market?”
- 3
“How do you view the trade-off between equity upside and the risk of preference stack dilution?”
Community
Valuation Sentiment
Our model estimates +95% 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.