FintechOS valuation, funding and investors

FintechOS works in financial product management platform development, based in Bucharest, Romania. Founded in 2017, it has about 222 employees.

Tech Companies Bucharest Growth Equity

VALUATION · TODAY

$287M +5% after Growth

Range $188M – $463M · Grade B

TODAY

+12 MO

$200M

$400M

$600M

$800M

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

Series A $14.0M

Series B $60.0M

Growth $28.0M

ValuationBefore first round12-month outlook: where it points, how wide it fansHover the past: the outlook shows what was predicted then

HEADCOUNT · TODAY222 employees

−5%6m growth

−4%1y growth

−3%2y growth

250

500

Data from Jan 2021

TODAY

Predicted in 1 yr $301M +5% vs today

Predicted next raise $30.8M if a round comes

Winding-down probability 33%

Last round: Growth · $28.0M · Sep 2026
Valuation at last round: $285M · implied
Headcount: 222 · flat
Grade: B
Founded: 2017

How VCMC values companies →

FintechOS valuation today

VCMC values FintechOS at $287M today, with a range of $188M to $463M and a grade of B. The valuation starts from its last funding round, a growth round in Sep 2026.

Valuation by date (122 rows)

Each point is what the model would have shown on that date, using only what was known then; before its first round, a company is valued as a startup because it later raised.

FintechOS: valuation by date, as the model would have shown it on each date
Date	Valuation	Range	Predicted in 1 yr	Phase	Headcount	Trend	Grade	Winding-down probability
1 Jan 2017	$4.06M	$1.48M – $11.2M	$5.57M (+37%)	before first round	–	unknown	D	0%
1 Feb 2017	$4.17M	$1.52M – $11.5M	$5.72M (+37%)	before first round	–	unknown	D	0%
1 Mar 2017	$4.27M	$1.56M – $11.7M	$5.86M (+37%)	before first round	–	unknown	D	0%
1 Apr 2017	$4.39M	$1.60M – $12.1M	$6.02M (+37%)	before first round	–	unknown	D	0%
1 May 2017	$4.51M	$1.64M – $12.4M	$6.18M (+37%)	before first round	–	unknown	D	0%
1 Jun 2017	$4.63M	$1.68M – $12.7M	$6.34M (+37%)	before first round	–	unknown	D	0%
1 Jul 2017	$4.75M	$1.73M – $13.0M	$6.51M (+37%)	before first round	–	unknown	D	0%
1 Aug 2017	$4.88M	$1.78M – $13.4M	$6.69M (+37%)	before first round	–	unknown	D	0%
1 Sep 2017	$5.01M	$1.82M – $13.8M	$6.87M (+37%)	before first round	–	unknown	D	0%
1 Oct 2017	$5.14M	$1.87M – $14.1M	$7.05M (+37%)	before first round	–	unknown	D	0%
1 Nov 2017	$5.28M	$1.92M – $14.5M	$7.24M (+37%)	before first round	–	unknown	D	0%
1 Dec 2017	$5.42M	$1.97M – $14.9M	$7.43M (+37%)	before first round	–	unknown	D	0%
1 Jan 2018	$5.57M	$2.03M – $15.3M	$7.63M (+37%)	before first round	–	unknown	D	0%
1 Feb 2018	$5.72M	$2.08M – $15.7M	$7.84M (+37%)	before first round	–	unknown	D	0%
1 Mar 2018	$5.86M	$2.13M – $16.1M	$8.03M (+37%)	before first round	–	unknown	D	0%
1 Apr 2018	$6.02M	$2.19M – $16.5M	$8.25M (+37%)	before first round	–	unknown	D	0%
1 May 2018	$6.18M	$2.25M – $17.0M	$8.47M (+37%)	before first round	–	unknown	D	0%
1 Jun 2018	$6.34M	$2.31M – $17.4M	$8.70M (+37%)	before first round	–	unknown	D	0%
1 Jul 2018	$6.51M	$2.37M – $17.9M	$8.93M (+37%)	before first round	–	unknown	D	0%
1 Aug 2018	$6.69M	$2.43M – $18.4M	$9.02M (+35%)	before first round	–	unknown	D	0%
1 Sep 2018	$6.87M	$2.50M – $18.9M	$9.10M (+32%)	before first round	–	unknown	D	0%
1 Oct 2018	$7.05M	$2.57M – $19.4M	$9.18M (+30%)	before first round	–	unknown	D	0%
1 Nov 2018	$7.24M	$2.64M – $19.9M	$9.27M (+28%)	before first round	–	unknown	D	0%
1 Dec 2018	$7.43M	$2.71M – $20.4M	$9.35M (+26%)	before first round	–	unknown	D	0%
1 Jan 2019	$7.63M	$2.78M – $21.0M	$9.43M (+24%)	before first round	–	unknown	D	0%
1 Feb 2019	$7.84M	$2.85M – $21.5M	$9.52M (+21%)	before first round	–	unknown	D	0%
1 Mar 2019	$8.03M	$2.92M – $22.1M	$9.60M (+19%)	before first round	–	unknown	D	0%
1 Apr 2019	$8.25M	$3.00M – $22.7M	$9.69M (+17%)	before first round	–	unknown	D	0%
1 May 2019	$8.47M	$3.08M – $23.3M	$9.77M (+15%)	before first round	–	unknown	D	0%
1 Jun 2019	$8.70M	$3.17M – $23.9M	$9.86M (+13%)	before first round	–	unknown	D	0%
1 Jul 2019	$8.93M	$3.25M – $24.5M	$9.95M (+11%)	before first round	–	unknown	D	0%
1 Aug 2019	$9.02M	$3.28M – $24.8M	$10.0M (+11%)	before first round	–	unknown	D	0%
1 Sep 2019	$9.10M	$3.31M – $25.0M	$10.1M (+11%)	before first round	–	unknown	D	0%
1 Oct 2019	$9.18M	$3.34M – $25.2M	$10.2M (+11%)	before first round	–	unknown	D	0%
1 Nov 2019	$9.27M	$3.37M – $25.5M	$10.3M (+11%)	before first round	–	unknown	D	0%
1 Dec 2019	$9.35M	$3.40M – $25.7M	$10.4M (+11%)	before first round	–	unknown	D	0%
11 Dec 2019	$71.5M	$46.9M – $195M	$128M (+80%)	after a round	–	unknown	C	0%
1 Jan 2020	$73.9M	$46.9M – $195M	$128M (+74%)	after a round	–	unknown	C	0%
1 Feb 2020	$77.7M	$46.9M – $195M	$128M (+65%)	after a round	–	unknown	C	0%
1 Mar 2020	$81.4M	$46.9M – $195M	$128M (+58%)	after a round	–	unknown	C	0%
1 Apr 2020	$85.6M	$46.9M – $195M	$128M (+50%)	after a round	–	unknown	C	0%
1 May 2020	$89.8M	$46.9M – $195M	$128M (+43%)	after a round	–	unknown	C	0%
1 Jun 2020	$94.4M	$46.9M – $195M	$128M (+36%)	after a round	–	unknown	C	0%
1 Jul 2020	$99.1M	$46.9M – $195M	$128M (+30%)	after a round	–	unknown	C	0%
1 Aug 2020	$104M	$46.9M – $195M	$128M (+23%)	after a round	–	unknown	C	0%
1 Sep 2020	$109M	$46.9M – $195M	$128M (+17%)	after a round	–	unknown	C	0%
1 Oct 2020	$115M	$46.9M – $195M	$128M (+12%)	after a round	–	unknown	C	0%
1 Nov 2020	$121M	$46.9M – $195M	$128M (+6%)	after a round	–	unknown	C	0%
1 Dec 2020	$127M	$46.9M – $195M	$128M (+1%)	after a round	–	unknown	C	0%
1 Jan 2021	$128M	$45.2M – $195M	$128M (0%)	after a round	130	unknown	C	0%
1 Feb 2021	$128M	$42.9M – $195M	$128M (0%)	after a round	130	unknown	C	0%
1 Mar 2021	$128M	$41.0M – $195M	$128M (0%)	after a round	130	unknown	C	0%
1 Apr 2021	$128M	$39.0M – $195M	$128M (0%)	after a round	130	unknown	C	0%
21 Apr 2021	$290M	$204M – $617M	$434M (+50%)	after a round	130	unknown	B	0%
1 May 2021	$293M	$204M – $617M	$434M (+48%)	after a round	130	unknown	B	0%
1 Jun 2021	$303M	$204M – $617M	$434M (+43%)	after a round	130	unknown	B	0%
1 Jul 2021	$314M	$204M – $617M	$434M (+38%)	after a round	130	unknown	B	0%
1 Aug 2021	$325M	$204M – $617M	$434M (+34%)	after a round	130	unknown	B	0%
1 Sep 2021	$336M	$204M – $617M	$434M (+29%)	after a round	130	unknown	B	0%
1 Oct 2021	$347M	$204M – $617M	$434M (+25%)	after a round	130	unknown	B	0%
1 Nov 2021	$360M	$204M – $617M	$434M (+21%)	after a round	130	unknown	B	0%
1 Dec 2021	$372M	$204M – $617M	$434M (+17%)	after a round	130	unknown	B	0%
1 Jan 2022	$385M	$204M – $617M	$434M (+13%)	after a round	130	unknown	B	0%
1 Feb 2022	$477M	$257M – $776M	$547M (+15%)	after a round	370	growing	B	0%
1 Mar 2022	$501M	$257M – $776M	$547M (+9%)	after a round	370	growing	B	0%
1 Apr 2022	$529M	$257M – $776M	$547M (+3%)	after a round	370	growing	B	0%
1 May 2022	$547M	$258M – $776M	$547M (0%)	after a round	370	growing	B	0%
1 Jun 2022	$547M	$261M – $776M	$547M (0%)	after a round	370	growing	B	0%
1 Jul 2022	$547M	$264M – $776M	$547M (0%)	after a round	370	growing	B	0%
1 Aug 2022	$547M	$222M – $776M	$547M (0%)	after a round	370	unknown	C	0%
1 Sep 2022	$547M	$212M – $776M	$547M (0%)	after a round	370	unknown	C	0%
1 Oct 2022	$547M	$203M – $776M	$547M (0%)	after a round	370	unknown	C	0%
1 Nov 2022	$547M	$195M – $776M	$547M (0%)	after a round	370	unknown	C	0%
1 Dec 2022	$547M	$186M – $776M	$547M (0%)	after a round	370	unknown	C	0%
1 Jan 2023	$547M	$178M – $776M	$547M (0%)	after a round	370	unknown	C	0%
1 Feb 2023	$420M	$163M – $686M	$364M (-13%)	after a round	340	flat	C	42%
1 Mar 2023	$417M	$156M – $691M	$360M (-14%)	after a round	340	flat	C	42%
1 Apr 2023	$414M	$149M – $696M	$356M (-14%)	after a round	340	flat	C	42%
1 May 2023	$399M	$136M – $701M	$326M (-18%)	after a round	340	flat	C	42%
1 Jun 2023	$395M	$129M – $706M	$319M (-19%)	after a round	340	flat	C	42%
1 Jul 2023	$391M	$123M – $711M	$313M (-20%)	after a round	340	flat	C	42%
1 Aug 2023	$397M	$117M – $720M	$325M (-18%)	after a round	340	unknown	C	39%
1 Sep 2023	$403M	$111M – $727M	$334M (-17%)	after a round	340	unknown	C	36%
1 Oct 2023	$409M	$106M – $734M	$343M (-16%)	after a round	340	unknown	C	33%
1 Nov 2023	$264M	$97.1M – $682M	$169M (-36%)	after a round	290	down	C	80%
1 Dec 2023	$259M	$92.4M – $691M	$164M (-37%)	after a round	290	down	D	80%
1 Jan 2024	$254M	$87.8M – $701M	$159M (-38%)	after a round	290	down	D	80%
1 Feb 2024	$249M	$83.5M – $710M	$154M (-38%)	after a round	290	down	D	80%
1 Mar 2024	$244M	$79.6M – $720M	$149M (-39%)	after a round	290	down	D	80%
1 Apr 2024	$143M	$73.2M – $430M	$76.9M (-46%)	after a round	250	shrinking	C	97%
1 May 2024	$124M	$69.7M – $296M	$68.6M (-45%)	after a round	250	shrinking	C	97%
1 Jun 2024	$119M	$66.2M – $288M	$65.6M (-45%)	after a round	250	shrinking	C	97%
1 Jul 2024	$114M	$63.0M – $281M	$62.7M (-45%)	after a round	250	shrinking	C	97%
1 Aug 2024	$141M	$58.8M – $625M	$81.1M (-42%)	after a round	230	down	D	97%
1 Sep 2024	$136M	$55.9M – $623M	$78.0M (-43%)	after a round	230	down	D	97%
1 Oct 2024	$131M	$53.2M – $621M	$75.1M (-43%)	after a round	230	down	D	97%
1 Nov 2024	$127M	$50.6M – $619M	$72.2M (-43%)	after a round	230	down	D	97%
1 Dec 2024	$122M	$48.1M – $617M	$69.6M (-43%)	after a round	230	down	D	97%
1 Jan 2025	$118M	$45.7M – $615M	$66.9M (-43%)	after a round	230	down	D	97%
1 Feb 2025	$114M	$43.5M – $613M	$64.4M (-43%)	after a round	230	down	D	97%
1 Mar 2025	$110M	$41.5M – $611M	$62.9M (-43%)	after a round	230	down	D	97%
1 Apr 2025	$106M	$39.5M – $609M	$62.9M (-41%)	after a round	230	down	D	97%
1 May 2025	$103M	$37.6M – $454M	$72.9M (-29%)	after a round	230	flat	D	89%
1 Jun 2025	$112M	$35.7M – $461M	$83.4M (-26%)	after a round	230	flat	D	82%
1 Jul 2025	$121M	$34.0M – $468M	$94.4M (-22%)	after a round	230	flat	D	76%
1 Aug 2025	$131M	$32.4M – $474M	$106M (-19%)	after a round	232	flat	D	70%
1 Sep 2025	$140M	$30.8M – $480M	$117M (-16%)	after a round	232	flat	D	64%
1 Oct 2025	$149M	$29.3M – $485M	$129M (-14%)	after a round	232	flat	D	59%
1 Nov 2025	$158M	$27.8M – $489M	$140M (-11%)	after a round	232	flat	D	54%
1 Dec 2025	$167M	$26.5M – $493M	$152M (-10%)	after a round	232	flat	D	50%
1 Jan 2026	$177M	$25.2M – $498M	$163M (-8%)	after a round	234	flat	D	46%
1 Feb 2026	$186M	$24.0M – $501M	$174M (-6%)	after a round	234	flat	D	42%
1 Mar 2026	$195M	$23.2M – $504M	$184M (-6%)	after a round	234	flat	D	39%
1 Apr 2026	$206M	$23.2M – $508M	$194M (-6%)	after a round	234	flat	D	36%
1 May 2026	$217M	$23.2M – $511M	$200M (-8%)	after a round	234	flat	D	33%
1 Jun 2026	$222M	$22.9M – $501M	$203M (-8%)	after a round	218	flat	D	30%
1 Jul 2026	$214M	$22.9M – $496M	$197M (-8%)	after a round	218	flat	D	32%
1 Aug 2026	$189M	$22.9M – $482M	$174M (-8%)	after a round	218	flat	D	38%
1 Sep 2026	$200M	$23.0M – $487M	$184M (-8%)	after a round	223	flat	D	35%
22 Sep 2026	$285M	$188M – $462M	$304M (+6%)	after a round	223	flat	B	34%
1 Oct 2026	$286M	$188M – $463M	$303M (+6%)	after a round	222	flat	B	33%
24 Oct 2026	$287M	$188M – $463M	$301M (+5%)	after a round	222	flat	B	33%

Key facts about FintechOS

Founded: 2017
Headquarters: Bucharest, Romania
Employees: about 222 -4% in a year
Total raised: $102M
Funding rounds: 3
Last round: Growth Equity Sep 2026

FintechOS was founded in 2017 by Sergiu Negut and Teodor Blidarus.

FintechOS funding history

FintechOS has 3 funding rounds on record, from Dec 2019 to Sep 2026, $102M in total. None disclosed a valuation.

Growth Equity 21 Sep 2026
With Bek Ventures, IFC, Cipio Partners, Molten Ventures, Santander Corporate & Investment Banking.
Sources: finsmes.com, finovate.com, renascence.io and 1 more
$28M
Series B 20 Apr 2021
Led by Molten Ventures; with Earlybird, GapMinder, LAUNCHub, OTB Ventures, BlackRock, Cipio Partners, 75 & Sunny, Acequia Capital, Founders' Co-op, Iterative, Prefix Capital.
Sources: fintechmagazine.com, trendingtopics.eu, fstech.co.uk and 3 more
$60M
Series A 10 Dec 2019
Led by Earlybird, OTB Ventures; with GapMinder, LAUNCHub.
Sources: prnewswire.com, techcrunch.com, coverager.com and 1 more
$14M

FintechOS investors

15 investors have backed FintechOS; Earlybird, Molten Ventures and OTB Ventures led at least one round.

What FintechOS does

FintechOS works in tech companies, with 15 recorded offerings and customers in financial services.

Fintech OS SRL, known as FintechOS, is a Romanian fintech company engaged in fintech enablement, providing a platform that simplifies the launch and service of financial products such as deposits, account opening, lending, embedded finance, personal lines, specialty lines, and embedded insurance. The company serves financial services companies globally and operates in multiple locations, including Romania, New York, and London. FintechOS is ISO 27001 and SOC 2 Type 2 certified.

Description from Veridion's company data.

Products and services

Financial Product Management Platform Development
Banking Product Development
Insurance Product Development
Embedded Finance Solutions Development
Lending Solutions Development
Deposit Solutions Development
Account Opening Solutions Development
Personal Lines Insurance Solutions Development
Specialty Lines Insurance Solutions Development
AI-Driven Financial Automation Solutions
No-Code Financial Platform Development
Data-Driven Financial Process Solutions
Financial Technology Enablement Services
Professional Financial Services Consulting
Online Financial Enablement and Certification Services

Markets

Financial Services

Technology

AI-Driven Automation
No-Code/low-code capabilities

Certifications

ISO 27001
SOC 2 Type 2

Business model

Business-to-Business
Service Provider
Software-as-a-Service
Enterprise

Industry codes (NAICS)

513210 Software Publishers 70% match
541512 Computer Systems Design Services 30% match

Questions about FintechOS

What is FintechOS worth?

Valuation $287M (range $188M to $463M), as of 24 Oct 2026.

Has FintechOS raised money?

FintechOS has 3 funding rounds on record, from Dec 2019 to Sep 2026, $102M in total. None disclosed a valuation.

Who has invested in FintechOS?

Earlybird, Molten Ventures, OTB Ventures, Cipio Partners, GapMinder and LAUNCHub, and 9 more. Lead investors include Earlybird, Molten Ventures and OTB Ventures.

How many people work at FintechOS?

About 222, down 4% over the last year. Headcount rose from 130 in Jan 2021 to 370 in Jan 2022, then fell to 222 in Sep 2026.

What does FintechOS do?

FintechOS works in tech companies, with 15 recorded offerings and customers in financial services. Its main offerings are financial product management platform development, banking product development and insurance product development.

When was FintechOS founded, and where is it based?

FintechOS was founded in 2017 and is based in Bucharest, Romania. It has about 222 employees, down 4% over the last year.

How we value companies Report an issue