Fintech fans, take note, there's buzz in the air about a potential Zopa IPO, and it's not just another City rumour. Zopa, the British digital bank once known for pioneering peer-to-peer (P2P) lending, has been making quiet but steady moves that suggest it's getting IPO-ready.
With a transformation from a lending platform into a fully-fledged digital bank, a profitable 2023 under its belt, and recent private capital raises, the chatter about a Zopa stock market debut on the London Stock Exchange (LSE) is getting louder. This guide walks you through what we know - and what we don't - about the long-anticipated Zopa IPO.
Once Zopa goes public, you'll need a brokerage account to invest. Consider opening a brokerage account today so you're ready as soon as the stock hits the market.
There's no news yet about how much the stock will cost when it goes public. No date has been set for when the stock will be publicly available. The shares will be available on the LSE.
Zopa’s valuation has hovered around the £750 million to £1 billion mark in recent years. In 2021, a SoftBank-led funding round valued the company at approximately £750 million, positioning it as a strong IPO candidate.
Since then, Zopa has raised additional funds, including £75 million in 2023 and $87 million in 2024, with insiders suggesting its valuation now exceeds $1 billion (around £800 million). While the company hasn’t confirmed a current figure, the consistent investor interest and recent capital raises suggest it remains a fintech unicorn, IPO-ready and financially solid.
If Zopa does go public, it would be one of the few UK fintech IPOs in recent years, and a welcome shot in the arm for the LSE, which has seen several high-profile listings (like ARM) head abroad.
It would also be a confidence boost for the UK fintech sector, especially after a few wobbles from other digital banks and lenders (rumours are that Wise will be re-listing in the US). So, investors will be watching Zopa closely as a potential bellwether for future fintech listings.
Zopa isn’t your average fintech, it’s one of the OGs. Founded in 2005, Zopa was a pioneer of P2P lending in the UK, helping to kickstart the alternative finance movement. Fast forward to 2020, and Zopa received its full UK banking license, pivoting from lending-only into full-service digital banking. Since then, it's built up a solid offering, including savings accounts, credit cards, and personal loans.
This strategic shift paid off. Zopa reported profitability in 2023, a rare feat among new, digital banks. That’s a green flag for potential investors and a key step toward an IPO. It also acquired the buy-now-pay-later (BNPL) platform DivideBuy in 2023, expanding its product base and giving it more fintech firepower. It recently managed to raise £80 million in an LSE bond listing back in May 2025 to help it meet capital requirements.
It's impossible to predict how any stock will perform — and IPOs can be particularly volatile. But evaluating the performance of companies like Zopa can be useful in determining how the market is performing and whether now is a good time to invest in this industry. Select a company to learn more about what it does and how its stock performs, including market capitalisation, the price-to-earnings (P/E) ratio, price/earnings-to-growth (PEG) ratio and dividend yield. While this list includes a selection of the most well-known and popular stocks, it doesn't include every stock available.
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