Revolut Has 80M Customers and a $115B Valuation. Now It Has…
By Abdelaziz Fathi
AI summary of the source article
Revolut has reached over 80 million customers with a private-market valuation of $115 billion after reporting 2025 revenue of £4.5 billion and pretax profit of £1.7 billion. While customer deposits grew 66% to £50.2 billion, its loan book stood at £2.2 billion, representing a loan-to-deposit ratio of just 6.2%. The company is now focused on converting users into primary account holders and building out its credit offerings across personal loans, cards, and mortgages. In parallel, Revolut is expanding its regulatory permissions, having obtained a French banking licence and OCC approval for a U.S. national bank charter.
Why it matters
At a $115 billion valuation surpassing major traditional banks, Revolut's economic viability now hinges on improving revenue per customer, expanding credit exposure safely, and satisfying international bank supervisors.
Key facts
- Revolut reached over 80 million customers and a confirmed private-market valuation of $115 billion.
- For 2025, Revolut reported revenue of £4.5 billion, pretax profit of £1.7 billion, and total customer balances of £50.2 billion.
- The firm's loan book reached £2.2 billion at the end of 2025, leaving its loan-to-deposit ratio at 6.2%.