Private Markets, Angel and Secondary Investing, Sacra

Sacra

Private Markets, Angel and Secondary Investing

Bringing transparency to private markets so investors, founders, and employees can build on conviction. Sacra delivers deeply researched insights on the private companies shaping tomorrow's markets. By surfacing the data, context, and operator perspective that are missing from private markets today, we help secondary buyers and sellers price equity accurately and unlock liquidity for the people building these businesses.

Private Capital Markets

<ul><li>Sacra estimates Cleo hit $280M in annual recurring revenue (ARR) in July 2025, up from $185M at the end of 2024.</li><li>Cleo&#39;s revenue is primarily driven by its consumer-facing AI financial assistant app, which has facilitated over 74 million conversations with users in 2024, representing 2.5x year-over-year growth.</li><li>The company&#39;s strategic focus on the US market has been key to its growth.</li></ul>

Sacra estimates Cleo hit $280M in annual recurring revenue (ARR) in July 2025, up from $185M at the end of 2024.Cleo&#39;s revenue is primarily driven by its consumer-facing AI financial assistant app, which has facilitated over 74 million conversations with users in 2024, representing 2.5x year-over-year growth.The company&#39;s strategic focus on the US market has been key to its growth.

<ul><li>After raising $152M and pushing past $1B in annual travel GMV in 2024, Super.com's aim is to build the core membership-based product for financial wellness.</li><li>Seeking deeper engagement & share-of-wallet and higher LTV, low-to-mid-income fintech apps like Cash App (NYSE: XYZ), Rocket Money (NYSE: RKT) and Chime ($1.7B revenue in 2024, up 31% YoY) are bundling together coupons & discounts, cash advance, credit-builder card, budgeting, micro-earnings, and cash-back all into one app & wallet.</li><li>We are trying to build the world's most valuable membership program for the everyday American. I would love every American to have three memberships: Amazon Prime, Costco, and Super+.</li></ul>

After raising $152M and pushing past $1B in annual travel GMV in 2024, Super.com's aim is to build the core membership-based product for financial wellness.Seeking deeper engagement & share-of-wallet and higher LTV, low-to-mid-income fintech apps like Cash App (NYSE: XYZ), Rocket Money (NYSE: RKT) and Chime ($1.7B revenue in 2024, up 31% YoY) are bundling together coupons & discounts, cash advance, credit-builder card, budgeting, micro-earnings, and cash-back all into one app & wallet.We are trying to build the world's most valuable membership program for the everyday American. I would love every American to have three memberships: Amazon Prime, Costco, and Super+.

Hussein Fazal, CEO Of Super.Com, On The paycheck-to-paycheck Super App

<ul><li>Now, Sacra estimates that Cleo is at $150M annualized recurring revenue (ARR), up 97% YoY, with LLMs more than 2x’ing their engagement and 3x’ing their revenue from upselling high-margin financial products.</li><li>In 2019, Cleo pivoted from the UK to the United States, launched a mobile app, and shifted their core demographic to Gen Z after noticing higher engagement from younger users—with Sacra estimating that Cleo hit $150M ARR in October 2024, up 97% YoY.</li><li>After the launch of ChatGPT in late 2022, Cleo integrated OpenAI’s GPT-* models into its core chat interface, driving increased engagement with their chatbot (85% YoY growth in unique conversations in 2023) and higher velocity of upsells to their cash advance and credit builder products.</li></ul>

Now, Sacra estimates that Cleo is at $150M annualized recurring revenue (ARR), up 97% YoY, with LLMs more than 2x’ing their engagement and 3x’ing their revenue from upselling high-margin financial products.In 2019, Cleo pivoted from the UK to the United States, launched a mobile app, and shifted their core demographic to Gen Z after noticing higher engagement from younger users—with Sacra estimating that Cleo hit $150M ARR in October 2024, up 97% YoY.After the launch of ChatGPT in late 2022, Cleo integrated OpenAI’s GPT-* models into its core chat interface, driving increased engagement with their chatbot (85% YoY growth in unique conversations in 2023) and higher velocity of upsells to their cash advance and credit builder products.

United Kingdom

Chatbot-based personal finance tool for Gen Z offering credit coaching and cash advances

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Cleo (CLEO GB)

Primer: Cleo - 22 Mar 2026

Chatbot-based personal finance tool for Gen Z offering credit coaching and cash advances

Sacra

Hussein Fazal, CEO Of Super.Com, On The paycheck-to-paycheck Super App

Tell us about the original founding insight behind Super.com—what was the wedge, and what early product-market fit told you that there was...

Sacra

Cleo At $150M ARR

TL;DR: While other personal finance chatbots from the 2015-6 messaging boom pivoted, Cleo doubled down on AI chat. Now, Sacra estimates that Cleo...

Sacra

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