Monzo: Estimated Financial Model
2020 Back of the envelope
Economic model
Monzo is a top UK neobank with 4 million customers.
Unlike the American private companies, it has to report results. That means we can calculate ratios and run scenarios, as well as break down its business into component parts (for fun). We can also take a guess at what year end 2020 could look like.
Obvious disclaimer -- this is not investment advice, not that any of us can act on that. And, we don't have any information about Monzo other than what their annual report website provides.
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