valuation_fintech

io.github.simonmak-ascent/startup-valuation · Verify this server

Value and size fintech business models: payment revenue, lending valuation, payment-processor DCF, and neobank customer-based valuation. Method selects the model. Use for payments, lending, and neobanks; for SaaS-style unit economics use valuation_saas. Parameters apply per method: payment_revenue needs transaction_volume + take_rate; lending needs loan_book + roe + pe_multiple; payment_processor adds growth_rate + discount_rate + terminal_multiple; neobank needs customers + arpu + gross_margin + churn_rate + pe_multiple. Only method is required; all other parameters are method-dependent, so supply those the selected method names and omit the rest (defaults apply where defined). Rate and decimal inputs are fractions (0.10 = 10%); probability and weight lists are in [0,1] and sum to 1. Returns value, method, inputs, assumptions, chapter, formula_number and calculation steps; pure arithmetic — no I/O and no external calls — rounded to 2 decimals, with no auth or rate limits. An unknown method, or a missing method-required parameter, returns an error instead of a value.