Revolut的投资者已完成一笔二级市场股票出售，对这家英国金融科技公司的估值达到1150亿美元，比一年前另一笔股票出售时获得的估值高出53%。该公司正准备于2027年在美国推出一家银行。
Revolut’s investors have completed a secondary share sale that values the British fintech at $115 billion, 53% more than the price tag it had gained in another share sale a year ago, as the company prepares to launch a U.S. bank in 2027.
参与此次股票出售的投资者包括Glade Brook Capital Partners、Coatue、Durable Capital Partners、T. Rowe Price Associates和Baillie Gifford，此次出售没有为Revolut带来新资金。该公司拒绝透露售出了多少股票。
Investors including Glade Brook Capital Partners, Coatue, Durable Capital Partners, T. Rowe Price Associates, and Baillie Gifford led the share sale, which brought no new money into Revolut. The company declined to say how much stock was sold.
Revolut由尼克·斯托龙斯基和弗拉德·亚岑科于2015年创立，已从一款转账应用发展成为金融服务平台，在40多个国家拥有超过8000万零售客户。该公司已在欧洲建立银行业务，今年在英国、墨西哥、澳大利亚和新西兰推出了银行，并在法国、哥伦比亚和阿根廷获得了银行牌照。
Founded in 2015 by Nik Storonsky and Vlad Yatsenko, Revolut has grown from a money-transfer app into a financial services platform with more than 80 million retail customers across over 40 countries. It has established banking operations across Europe, and launched banks in the U.K., Mexico, Australia and New Zealand this year, as well as secured banking licenses in France, Colombia and Argentina.
该公司今年早些时候还开始在印度推出金融服务，并已获得美国货币监理署的有条件批准，可设立一家全国性银行，计划在2027年上半年推出，但尚需最终监管批准。
The company also began rolling out financial services in India earlier this year, and has received conditional approval from the U.S. Office of the Comptroller of the Currency to establish a national bank, which it plans to launch in the first half of 2027, subject to final regulatory approval.
这家总部位于伦敦的公司盈利能力日益增强，2025年营收为60亿美元，利润率达到38%。
The London-based company has grown increasingly profitable, achieving profit margins of 38% on revenue of $6 billion in 2025.
尽管Revolut的业务很大一部分围绕消费者构建，但其2017年推出的企业银行部门已成为越来越赚钱的业务。Revolut Business负责人、公司合伙人詹姆斯·吉布森在最近接受TechCrunch采访时表示，该部门约占Revolut毛利润的20%。
Even though Revolut has built much of its business around consumers, its business banking division, launched in 2017, has become an increasingly lucrative endeavor. The division accounts for about 20% of Revolut’s gross profit, James Gibson, head of Revolut Business and a partner at the company, told TechCrunch in a recent interview.
Revolut Business 现已在欧洲、英国、新加坡、澳大利亚、新西兰和美国提供服务。公司向 TechCrunch 透露，该部门每月处理的交易额超过 360 亿英镑（约合 486 亿美元），其中仅美国市场就超过 10 亿英镑（约合 13.5 亿美元）。该部门年化收入超过 9.5 亿英镑（约合 12.8 亿美元），持有的客户存款超过 180 亿英镑（约合 243 亿美元）。
Available across Europe, the UK, Singapore, Australia, New Zealand, and the U.S., Revolut Business processes more than £36 billion (about $48.6 billion) in transactions each month, including over £1 billion (around $1.35 billion) in the U.S. alone. The division generates more than £950 million (about $1.28 billion) in annualized revenue and holds more than £18 billion (roughly $24.3 billion) in customer deposits, the company told TechCrunch.
公司表示，Revolut Business 在美国的新客户中，近一半是新注册成立的公司。
Nearly half of Revolut Business’ new customers in the U.S. are newly incorporated companies, the company said.
Gibson 表示，Revolut 正寻求将其企业银行服务拓展至更多市场，包括墨西哥、巴西和印度，但他未透露具体时间表。他还称，这家金融科技公司的目标是到 2027 年将企业客户数量从目前的 80 多万户增至 100 万户。
Revolut is looking to bring its business banking services to more markets, including Mexico, Brazil and India, Gibson said, though he did not specify when the company expects that to happen. The fintech also aims to grow its business customer base from over 800,000 businesses to a million by 2027, he said.
随着公司估值攀升，Revolut 正在权衡上市事宜。Storonsky 曾考虑在纽约和伦敦双重上市，并表示倾向于以美国为主要上市地。不过，据报道可能将 Revolut 估值定在 2000 亿美元的首次公开募股（IPO），最早也要等到 2028 年，具体取决于市场状况。
The company’s rising valuation comes as it weighs a public listing. Storonsky has considered a dual listing in New York and London and indicated a preference for a primary listing in the U.S. However, an IPO, which could reportedly value Revolut at $200 billion, would come no earlier than 2028, depending on market conditions.