TLDR Tech / Fintech
The algorithm that keeps compounding: Inside Revolut's 2025 annual report
Revolut is emerging as one of the fastest-growing and most profitable financial institutions globally, with £4.5B revenue, 38% margins, and 35% ROE, driven by diversified revenue streams and strong product velocity. Its growth engine is a combination of rapid user expansion, rising ARPU, and increasing primary account adoption, with significant upside from lending and global expansion. Revolut is no longer a challenger fintech but a scaled, compounding banking platform with a credible path to becoming a top global bank.
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