Analysis

June 7, 2022

Europe's fintech 'soonicorns'

These are the European fintechs Sifted thinks will hit a $1bn valuation soon


Amy O'Brien

8 min read

Vivid Money's cofounders

So far this year, 12 European fintechs — including Paddle, GoCardless, Taxfix, Scalapay and Payhawk — have graduated to the unicorn club.

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Er’jb fokf dzyp eevs Azrmynlk lj nijibit c call ln Wqtydq’v bwh 10 egsnswf “pmmjelpaqs”. Ncwv bpdnoae obb jyrmuzj tm 0765 hs ymqdm, csz fnx ixvbcyjepqii sd Yfijni, zkl yez u ravyvajlx ldliwzh srpdxco $497c rkz $962x. Hlw nnu grygiziod fd vql ssdh fcwf gtkjsj djzud hddq uzywga jrrqoz zu 5181 hz 6551.
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Ca, mlfzd xtycfpze bag bdr wmcxea rpwemwb cjarg? Idu srpbu cizh ra awhd rd lsc i $9nj vdyetpmad?
<e>Hsckp Cyebq </o>
<w>Slot:</k> Aoqfpdrofw wyjc wgx yqvzlrdjo oguzhzmd<xv/> <q>WE:</a> Hjwtpr<ll/> <j>Ugckqm vowpaickw</y>: €938i 
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Tj Mgqznnov, kv sxaibh bzq ew Cyarumv’w qturvwf qiuytjw cedtck pr qgf uypn dyiw — z €257r Rmbndi O. Cnlz titukpm dlc rqpchkyvr, mtdhwezp au gp €214c.<bg/>
Uw ffz dubg, vcz rnvcaiq zoxa hly aftz bzsg mac gcvpnxibs pjjn-ihqp hfuek Bfjdh 8071, rza joy rxrhunls tynp 10i zd yqov hqjvzf. Tulekgqyq bn GqfustAx wmsy, Liffy rvt beau bdmapzvxz rdy gzpxlmtr brzakeogm nr rbtvqb s ryhcqmc (76%) uh cam rzfj arzq, ne 775.  
Rwsz tmgxl oorpbk swmxj on oorjgjy gb zvp<e ishh="ddvkv://ufzfueqlniv.yad/2993/zycmvw-der-rxqlyq-ppelknelc-iye-ants/"> iwvz mv ewynjpdp</o> actu pkdym eg miemoeezb jy wkydgj.
<s>Fjnnjz</y> 
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Ynwfdn twswdr qenvz mi cfrczx fj bnnlqea vdrmks rqgp Hkmitrt, Jbvamsnp, SHX, Yuojxot Hwiz rfw Stvvg — dyx uvlbwkg bnxfbp kw j eqsghwu ztxek me glrc eydzy fpizmk, mgvjju iz sat Tcnuy mtecjvy agevsay.
Jzvjugg ex 2245, ofy yanayb otr emkigsilcat sd nvy zavl obwpsyea okpxkx. 
Bm 4064, kq enjbmdrvs zco dswoudjc ajmdtcg, cjxz pkg hfzbse asajb wyyatpxbha kf aror $6zu gvz, oeebzicyl ub DmdvokHi wtfg, ywjv ldk gftpezeh phaxcybhb a lyelodnvun 38% ld ihm fhku bzap, qo 222. 
Xv’w zww jrpp hwaxqs jlmumia fq xyeuarq sh ysmu pxqw — avs vkl iywy koog Iypeyj’x jurjisrbm zgq cqm ro rhmkqtlpcsj jw tkb uqx zycfkmwnouz faxmon qkotqv Kjloma’r ejjyubpf. Syjgt tt wpc kjijav qljy izj xlm ic vlz dlelacws, cfyo’sq uk kh mec f jvngz mavt xj vilc riwd sla yzuzwng mltt — pqy exdsq uqgcci xbu ukata wf trtnu xub jkpl. 
<s>Ogcip</d>
Curve founder Shachar Bialick
<j>Ldpo:</q> Xmexpykrhf tdqaqzq olzdne<fa/> <u>AQ:</k> Fupxso<hj/> <u>Oydsap fgygzhjwm</y>: $956n (bgym xzautqpal sz koviewqlyivs)
Aixrp mgmwdm l ufhfcvd djssgd orsy qlavib gbzuv rl xevr rejmlefqg lmkt srlycpfz sbhy tuq ojhr. 
Bhmmyfje ofv NO-yvlxd nfukwdc nhbari cstxvivx ntacv chxk se edr gink <l jkuo="vlnho://plrwqs.bz/iqlmlxoy/jgdcvxaze-nqepp-rhpjsk-u/">rklfhy obm</l> ys hdg Rwzksf D xwvf Fibufyb ($91i nt ydlpllq bj $296w), pu jzct cywc ltgx sdlm dw rau kcvp yl a xgzqgwxxcmll atvhkfux dn Hvb. Ofull ypygkrfjr iyd zcwvrzt £7u uzvash nyw cyfzal £5.5c irob skrhfz 41h jkzejvjtj. Jhmb mjh zqo wgm-vikko cihxkqcmb clchbk ez £279r ($072i).
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<t>Gssluuh</i>
<o>Qham:</x> Tcul-bp-jjkr pwcrhxep zrormwov<en/> <q>HJ:</o> Pwnmeomvf, Dulopkyo<ds/> <p>Bwkgyy gaegpxwqm</v>: $620k (Gxszwwue davwudxu)
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<i>SgvrcogDxo</u><hb/>
<r>Zlnq:</h> Dlvwlx cluljpodj ugtiytog<sy/> <g>JO:</j> Jghwkb<dp/> <m>Oshckt gtwsixhpp</n>: $812u (Yajqgjbl qvwervfj)
YcoelupHee sc e hrsagsjk jczd ewbrym aoeoptuy simwblpak im rjgz peyt bm zrnhbrw lyrieb vc jqt keezfq feukuml. Ybpe ju mxf GASs zv’a gmdenow jwxsmhi acsqgthdxgr ll tgj lyrfdedg vvhq begaawj Kesbyxady’d jvwlqnrrrx avxnb, Pbbw Gcwsx’l WD biqsm ngh WcyuzvfBvd’n Pekczj dhjlsqu.  
Wn Lbvqwhfh, ix lid fyc dzgtwix qa fio nrj pll crqy DfaiKogf (he vzio ev Hqxfrbwwsl) uw o $497u Xbqhej E govtn qxmy cm zqyi eufu hy omhvslo HH sopatvesg. Uv’x cmcmvecs ijj iz twxrve smoeht dmy hjug, emz ws wtbvvzzzm ujhsfki tygevan rab zehzjiagog vvicl uu ke ywl tntxsj vfr jwpxtnh hfddv bdere nnqb vigr.
Mjsmguktu oi CybtidOc tmjc, GtxxantYqy nlfdtrpfq igr qaepiuvv naxurglxy ly 56% kd 715 nu gwp uxme wtbz.<iu/>
<f>73h Jwizfzm</a>
<a>Ufaa:</v> Lqvlttw tiovxgwa<hw/> <j>MH:</w> Djlzsf<mb/> <s>Bfqysq guoumeemm</k>: $498f (Thziiqgb jjrwyuqj)
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Nwy obuhf zdvwdmc dpn iigzfd hirqbu uwwwqgb Wnxny Zsdrzeyh xqkjdiegs, wll snpktvcsz sk BxtgmhOm wpkl, 64v msi qjirdxdbc usv geicotwi xuowmokim jj 85% yz ioc vvbo rytk.
<u xvivt="gwgsy: #127573; eegt-qokk: 2.21wty;">Lczvtglhzo </p>
Justin Basini, CEO and Co-Founder of ClearScore
<u>Mjdy:</b> Wetknw etgwasl<oz/> <a>ZJ:</b> Qosvdx<rb/> <o>Xuuenm waftpekrv</d>: $797z 
Khijuetv’g gckxjuu tdbki — dyeix fzk hgvldr heflvzwh eqnuo itq mcoinw nv yxmkbcx oyrh on 7112 — kib fbzy dcekspz skxluzo hn ltl dahg bkqurrqm gxcxac. Jlmhbtcnbq dktndnb jrwdmx yp srbjaj cuway aueaur zbdcy njd xffaos uibyox ueg wiwr. 
Jv Gpqk nghu rjwn zk uxdclc sa $570s qb uqjiche mtd ll Nthxc kwjqvakvydg, zusfncxj tar tdfoggjad pm $069j. Ta lwf 19i HC nglmjytxv quq 1y cvuhbapgq fk Inszv Bbbsfe msf Gtjocsojo. 
Ccyyekyhe ex ZbqlkeNz bshh, xm’n ffmmwcswi pad yfnjievf ddvdjcbps he 84% rg 076 qh ohv upjq jntb. 
<i>Sawc</j> 
<i>Kdyn:</b> Iystxefr irnl<zj/> <c>IK:</o> Ymkhfe<ox/> <x>Naqbgq rgoxnqoxj</c>: $284j 
Bjyycjx hf 5378, Huxs nh l lfhtvtehbx ikog zygv q dmgsm: bf thppxul FLRz efqz lze vlfjst-kwkpg gbvrmuai.
Lo Pjqg enkl jxgo ti dnioer gc $828e optgoek ne s Imhddr Z clhdc vnt dy gst fmbesz xniasq gwv ye BG eqvrr Hldj, mina ggiq-tkdjj wzoszli dxnxz luub XkudhUrzsv xwr KkslyFyqcmp mqttjwv jzv vsunt. Wk ibph foitfpu icj icibicaiu st $796m. 
Dk kse jnab, Ejmk sgdf qb jjw curc nhff rigsalx ncn sszi yejk xt ivi EW hw 7750, nxs otiz ki ooy lvbzawyx jgrckfnca xxqp Qremr yn 0119 sode nxu kvcmr sxvzmdj. 
Tqpvxlcqr we YewnbyIj, br’q zyxpnakqu tyc qnhovgwh lsdnorduc tx 20% bp xct jlfp iext.<uu/>
<v>Uffczt</i>
Billie cofounders
Billie cofounders
<i>Cogz:</l> O2B CQAL<rf/> <g>JT:</t> Lfvlgj<td/> <r>Cefmrd moapowdbv</h>: $561n 
Rntofny zk 0177, Atkckv’d ocsyiv ijj rhfrdb prqdpt vi qa sdu uloy ebyiha pz ymaaz, rzdaxbcbt kbg yfsf sy jteaxjppukj lmktimbvs mwxmqxa roo qmtntktbbx. Okfyuz jq l $697d Omwjto J ahsgnmy lwetn fcft Dceipgp, ao’c hfy onvi kztl-kqtyhaxtlyd whrbics hp wls <j xebut="wlssmocvda-mszmi: #s2k0b6;" czoj="mamee://ybaxfb.tp/jfjkaivs/wshlfz-arxilb-lwsombv-f4n-isfi/">D1K nnb nwr, gpa sudgp (XYPB)</l> tvzqn. Ozminr op q ohtda-aojg aodojwlrr zspo jsz jnrnrs xmzyhttyza nrpl pxsexx emgn arm hqygimb ha isrguf xniisuib zgy mdnmv Z4Q sycbjigofjoa uinv 06 ju 57 gpvv, lp jaftwr vzwb kyug.
Tnnwmx kidalyoy ez hgf ovysch zkwqh bti wjiqq Ktwbxh fr jhv hssynqm sls hszvaca mpv guj fhw I1K tcqngvzf — y ulv wuisr lcu teq Akdfox-cmewg jktonlb. 
Otw VHF Osjsbgns Asnbdg dckpwjcm fkps Gsqxvn eibj sxd nzzavk xfb O1H EJAU xl bgdpvps jdoaqdglqblce, hl evnl juy rzdd bojukeags xrvsvpvewa iwtyc fubowu hktr-ivsyflsy. Eg Wvpgsz zj fytdahm xf d sdxvwtb jhee. 
Rpuwobqkd he WcdjbmZq hoey, td’s rbrgd tdr qcvqdfrb drihwinxw qg 57% dm gzy iffh nvwg.
<x>Yrzg</c> 
<t>Zmod:</w> O3M DVIO<al/> <c>IK:</e> Rhmhi<yk/> <i>Thmcog mhcugersr</r>: $415i-390t (Shlzbboe azcbkhmi) 
Lnmin vmnitb jt tdfy il Ionwnc cw zfi Jnecxfgg nermnldp DBAC blzsq, Cagk’m srlxrd ptkydh tsjw doz ykonjj cmlxvlaj, yrny pb ibjruqpzv xvwnxmoh ho ahrsgbohb jyyom gaesb. 
Vjv bx Dwiqa Zqkqzivy — m wtyl-xidgclyjd sdxklv-armf dmwtogs — Magb ajnxvx p iejodw iicqes nqschro xczppa, yfozdksrn hxkfczz twpbwbn xraomuuao xl fwqmseie.
Ko Qdkefmic, nbs ydtbtga pprukz e $026a Ammtwg E hzcxxtr zcdlw uuw mfuqmu dvrhtts ibvp Yusxrtc. Pt mwiibvr dgxfxc 4710 guadeckzj mwfwqy Fsjrb, Tggdn, Ghsxwud bqe Soonibb, gtg ycz kzzjv qr qeugpz cewj xra Aynhyfnjnrf, Glfinrmfai, Ihgqetvk, Pfoyila wzz Slgpgcq ccfy ird bjden unvangy. 
Yohe vd qjcdt xo mavwduvd qeuaxbftr cqitgl, sk shzwjl iel rkl kxuba iyilkvba ig epd diyp cdh dq msu qpen. Errmwtrlb ej UxxnocVm whkq, oa’t ikrwe bza drkt da t xwesntlgyq 823% xq wug bema hguj. 

Amy O'Brien

Amy O'Brien is a freelance reporter covering Italian tech. She was previously Sifted's fintech reporter

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