Diligence memo · auto-generated · as of July 2, 2026
Zoe Financial, Inc.
Zoe Financial, Inc. looks fair against its niche peers and is quiet on financing cadence.
Businessfiled
Zoe Financial, Inc. operates in Other, based in NEW YORK.
Sector still resolves to a broad 'Other' bucket, so operating comparables below are weaker than for a tightly-classified peer.
No verified homepage on file yet — operating evidence is limited to the public record.
Capital & rounds (filed)filed
Zoe Financial, Inc. has raised $46M in disclosed capital across 3 recorded rounds, aggregated from public filings. Its latest round is modeled as Series B (a $15M–$40M round).
Largest single filing: $20M on 2025-04-14.
Most recent recorded round closed around 2025-04-14.
Valuation (modeled)modeled
Provath models Zoe Financial, Inc. at approximately $102M (range $50M–$157M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Fair. Modeled value is 1.20× the median modeled value of Series B Other companies in 2025–2027 (207 peers) — value vs value, same stage and era. Within the normal band (120% of peer median) for its niche.
Financing rhythm & timingmixed
Historic cadence: a new round about every 24 months.
Last raise 15 mo ago; this sector typically re-raises about every 11 months.
Slightly overdue versus sector cadence.
The last round stepped up 2.1× from the prior — scaling.
Comparablesmixed
Capital scale ranks ahead of 92% of Other peers (25015 compared).
Modeled value ranks above 83% of those peers.
Closest niche peers: Acorn Sim Investor Holdings, LLC, Aircapture, Inc., Bathhouse Holdings Inc., Chlorum Solutions USA LLC, Olympus Pines LLC.
Peoplefiled
3 named people on file across officers, directors and signatories.
Risks & flagsmixed
Broad sector classification weakens peer comparison.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.