PENTA
+64%
est. 2Y upside i
Stage: exit. Country: Germany
Rank
#798
Sector
Fintech
Est. Liquidity
~2Y
Data Quality
Data: MediumPenta's equity offers a reasonable expected upside of ~64% over 2 years, but with high risk due to intense competition and thin moat.
Last updated: July 19, 2026
Driven by continued SME banking adoption and integration with Qonto, revenue grows to $82M with exit multiple of 7x, yielding 170% upside net of 15% dilution.
Revenue reaches $82M with multiple converging to 5x, resulting in 88% upside net of dilution, reflecting steady growth.
Intense competition from incumbents and startup rivals compresses multiple to 3x, limiting upside to 7% net of dilution.
Preference Stack Risk
highFunding Intensity
36%Total funding of $71.7M represents 35.5% of the $202M valuation, creating significant preference overhang for common shareholders.
Dilution Risk
moderateLast round was in 2020; though acquisition provides capital, additional dilution is possible before liquidity.
Secondary Liquidity
limitedAcquisition by Qonto offers a liquidity event, but no secondary market for Penta shares.
Questions to Ask at the Interview
Strategic questions based on PENTA's data — designed to show you've done your homework.
- 1
“How will Penta differentiate from established banks and neobanks to sustain growth?”
- 2
“What is the path to profitability and how does the acquisition by Qonto affect the business model?”
- 3
“Given the acquisition, how will your equity be structured and what is the expected liquidity timeline?”
Community
Valuation Sentiment
Our model estimates +64% 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.