Companies · Fintech
Africa · Fintech
Diligence memoA one-page analyst read on Yoco — recommendation, valuation, rhythm, risks.→Yoco has raised $16M over 1 round; too few niche peers to rank its valuation yet.
Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.
Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.
No named principal in this company's public records yet — see all operators below.
Yoco is one of 1063 Fintech companies tracked from Africa. By capital raised it ranks among the largest (ahead of 92% of sector peers), and among the largest by modeled valuation est..
Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.
SA fintech startup Yoco secures $16m Series B funding 0 By Tom Jackson on September 6, 2018 News , Southern Africa South African point of sale (PoS) payments provider Yoco has raised a Series B round of US$16 million, which it will use to grow its network of small business merchants, invest in product development, scale its operations and attract top-tier fintech talent. Yoco builds tools and services to help small businesses accept card payments and manage their day to day activities.
SA fintech startup Yoco secures $16m Series B funding 0 By Tom Jackson on September 6, 2018 News , Southern Africa South African point of sale (PoS) payments provider Yoco has raised a Series B round of US$16 million, which it will use to grow its network of small business merchants, invest in product development, scale its operations and attract top-tier fintech talent. Yoco builds tools and services to help small businesses accept card payments and manage their day to day activities.
As reported in public records reported — not modeled.
Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.
The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.
Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed, Seed, Series A — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 25%.
Round size and date are reported; the stage label is inferred from round size (latest is Series B — a $15M–$40M round). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.
Not enough modeled valuation points to chart a trajectory.
Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.
Raised more than 92% of sector peers (real $). Modeled value above 96% of peers (estimate).
A tighter cohort than the sector chart above — only companies at the same stage (Series B) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful.
| Company | Stage | Raised · real | Value · est | vs peer med. |
|---|---|---|---|---|
| Cheddar Inc. | Series B | $44.5M | $708.9M | 1.25× |
| Razorpay, Inc. | Series B | $31.6M | $629.7M | 1.11× |
| Yoco this company | Series B | $16.0M | $503.7M | 0.89× |
| CORD:USE Cord Blood Bank Inc | Series B | $19.4M | $7.9M | 0.01× |
Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.
| Stage | Amount · real | Announced | Post-money · est | Value · est | Conf. |
|---|---|---|---|---|---|
| Series B | $16.0M | 2018-09-06 | $88.9M | $503.7M | 45% |
Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.
Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.
Yoco is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.
Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.
| Company | Sector | Stage | Raised · real | Value · est | Why similar |
|---|---|---|---|---|---|
| Female Invest Inc. | Fintech | Series B | $15.8M | $115.7M | same sector · same stage |
| PayAll Payment Systems, Inc. | Fintech | Series B | $17.2M | $240.9M | same sector · same stage |
| Saturn Fintech, Inc. | Fintech | Series B | $17.2M | $82.8M | same sector · same stage |
| Veryfi, Inc. | Fintech | Series B | $18.8M | $456.2M | same sector · same stage |
| CORD:USE Cord Blood Bank Inc | Fintech | Series B | $19.4M | $7.9M | same sector · same stage |
| Alphaeon Credit HoldCo LLC | Fintech | Series B | $19.5M | $560.9M | same sector · same stage |
| AZA Finance | Fintech | Series B | $20.0M | $464.0M | same sector · same stage |
| LAGO Apex Credit Corp | Fintech | Series B | $20.0M | $107.0M | same sector · same stage |
Public records name issuer insiders, not the funds in a round — these investor links come from corroborating sources.
| Firm | Round | Confidence |
|---|---|---|
| Orange Digital Ventures | Series B | 55% |
| Partech | Series B | 55% |
| Quona Capital | Series B | 55% |
| Velocity Capital | Series B | 55% |
See where Yoco sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.
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