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德国数字银行N26获3亿美元融资,估值27亿美元

国际资讯基于互联网平台的金融业务投融资

德国数字银行N26获3亿美元融资,估值27亿美元

据悉,德国数字银行N26近日获得了3亿美元融资,使其成为欧洲最有价值的金融科技初创公司。

这家柏林在线贷款机构在此次投资中获得了27亿美元的估值,大约是上一次融资时估值的三倍。

N26首席执行官Valentin Stalf表示,这笔资金将赋予该公司“真正进入下一阶段的投资者和财力”,包括今年上半年进驻美国市场。

除了通过与一家未透露姓名的美国银行合作在美国进行“积极”扩张之外,该公司正在考虑进一步进军南美和亚洲几个国家,但Stalf表示,公司将在今年晚些时候就重点关注哪些市场做出最终决定。

N26在24个欧洲市场运营业务,包括最近扩张的英国市场。这位33岁的首席执行官表示,英国的早期反应是“巨大的”,而其整体客户群在2018年增加了两倍多,达到230万。

过去几年,该行业兴起了一波以数字为中心的银行浪潮。该公司的竞争对手包括英国的Monzo和Revolut。

一些观察家对新挑战者将庞大客户群转化为可持续利润的能力表示怀疑。Stalf表示,尽管N26总体上仍处于亏损状态,但它已经在每个客户的基础上实现盈利,最新的资金将用于进一步投资和扩张,而不仅仅是弥补亏损。

他补充道:“我认为我们拥有与他人相比最先进的模型,我们不仅专注于吸引用户。如果愿意的话,明年我们就可以实现盈利,但这取决于我们对增长的投资。”

该公司已经在包括德国和法国在内的几个国家提供透支和消费贷款,并计划于未来几周内在英国推出类似产品。

Stalf还表示,约30%的英国用户已经注册了该银行的会员账户,该账户每月收取14.90英镑的订阅费,并提供一张金属借记卡,以及旅游保险、打折酒店预订和WeWork会员资格等额外优惠。

此轮融资由纽约的Insight Venture Partners和新加坡主权财富基金GIC领投,现有支持者包括腾讯、安联和李嘉诚的Horizons Ventures。

根据Pitchbook的数据,它所获得的3亿美元融资是欧洲有记录以来最大的一轮金融科技投资。根据CBInsights,这项投资也使N26成为全球第二大最有价值的数字银行初创公司,仅次于巴西的Nubank。

不过,Stalf也表示,N26上市当然是他和诸位公司同仁共同的美好理想,但是现阶段公司还没有这一方面的计划。

There's a new European unicorn in town.

German fintech firm N26 said Thursday it has raised $300 million from investors in a round of funding — valuing the online lender at $2.7 billion.

That not only puts the company among the ranks of Europe's unicorns — or private start-ups valued at more than $1 billion. It also makes it one of the most valuable unicorns in the continent.

According to data compiled by CB Insights, just six other privately held European firms can claim to top N26's market value: Global Switch, Roivant Sciences, Auto1 Group, Ottobock, The Hut Group and BGL Group.

N26's latest funding exercise was led by U.S. private equity firm Insight Venture Partners with additional backing from Singaporean sovereign wealth fund GIC. Its other backers include Chinese tech giant Tencent, German insurer Allianz and PayPal co-founder Peter Thiel's venture arm Valar Ventures.

Global expansion

The company's mobile bank app is currently available in 24 European countries. It recently added the U.K. to the list, and sees itself broadening its international footprint again, with a U.S. expansion due early this year.

"Insight Venture Partners has been one of the biggest venture firms globally," N26 Chief Executive Valentin Stalf told CNBC in a phone interview. "I think it's a great addition to our investors, and launching in the U.S. in the first half of 2019, it's a great reconfirmation of doing that."

The Berlin-based fintech firm offers users a mobile app and a debit card, but doesn't have a single physical bank branch. It counts itself among a breed of digital banking challengers — Revolut, Monzo, Starling and Atom, just to name a few — that are aiming to eat away at larger lenders' customer base.

With over 2 million users signed up to the app, N26 hopes to reach 10 million customers globally "within the next couple of years," Stalf said. The investment announced Thursday will be used to fund the start-up's international expansion plans.

"The next goal is taking N26 global and transforming it from being a European company into a global company," Stalf said. "We would like the business to grow to four to six more markets other than the U.S. and Europe."

N26's boss said its focus beyond the U.S. and Europe would be on Latin America, and added that he "would not rule out" a launch in Asia further down the line.

IPO 'dream'

The firm has now racked up a total of more than $500 million in funding since it was founded in 2013. Insight Venture Partners is known to invest in companies that eventually go public, with its investment portfolio including the likes of Delivery Hero and DocuSign.

Stalf said that, while launching an initial public offering is a "dream" for him and his fellow co-founders, the company has no immediate plans.

"Going public will be an option I think going forward but it's also not the only option for us," he said. "This round is great for us as entrepreneurs because we are very flexible."

"We don't need to raise funds," Stalf added. "We can if the business develops well, and we will evaluate the options all the time. Going public has always been the dream for us as founders, but let's see."

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