Chime is expected to raise a massive $1 billion, making it one of the largest IPOs in the fintech sector for 2025. Meanwhile, eToro is targeting $620 million, leveraging its international user base and strong brand identity in online trading.
San Francisco-based digital banking platform Chime and global trading platform eToro have officially filed for their Initial Public Offerings (IPOs), signaling renewed confidence in the public markets. These moves come after a period of slowdown in IPO activity due to economic uncertainties and market volatility.
These IPOs are being viewed as a turning point in the fintech and broader tech sector, with many industry watchers calling it the beginning of a market thaw for public offerings.
Founded in 2012, Chime has quickly risen to become one of the top neobanks in the U.S., offering no-fee banking services, early paycheck access, and an app-first approach that appeals to younger, mobile-first customers.
Chime’s decision to go public was widely anticipated. The company had initially planned an IPO in 2022, but postponed it due to unfavorable market conditions. With this latest move, Chime aims to boost its valuation and compete more aggressively in the digital banking space.
According to reports, Chime’s IPO will be underwritten by major players including Goldman Sachs and Morgan Stanley. The neobank’s valuation is expected to exceed $25 billion, a number that underscores its massive growth and user trust.
You can read more about Chime’s services and growth journey on their official site.
On the other hand, eToro, an Israel-based social trading platform, is going forward with its U.S. IPO after a failed SPAC merger attempt in 2022. The company is seeking to raise $620 million, making this one of the most significant cross-border listings in 2025.
eToro is known for blending social media with trading, allowing users to copy the trades of successful investors. This innovative model has helped the platform gain over 30 million registered users globally, making it a strong competitor to platforms like Robinhood and Webull.
The company plans to use the IPO proceeds to expand further in the U.S. and develop new AI-driven investment tools. eToro’s filing has already attracted interest from institutional investors and retail traders alike.
To explore eToro’s platform features and user interface, visit etoro.com.
Both IPOs are being seen as pioneers in a slowly recovering market. After a major slowdown in IPO activity through 2022 and 2023, investors are showing renewed interest in high-growth companies with solid fundamentals.
According to a report by Renaissance Capital, IPO volumes dropped by over 80% in 2022, but experts now say that 2025 might witness a resurgence, especially in sectors like fintech, AI, and green energy.
The timing of these filings is no coincidence. The Federal Reserve’s shift towards stable interest rates, a slight economic recovery, and increased tech optimism have helped stabilize investor sentiment. Chime and eToro are entering the public markets at a moment when the appetite for risk is returning.
The IPOs of Chime and eToro mark a significant milestone for the fintech sector. These filings could open the door for other fintech unicorns like Stripe, Plaid, and Robinhood to revisit their own IPO plans.
For consumers, these IPOs indicate that digital banking and trading platforms are here to stay. The funding raised will help both companies enhance services, expand operations, and innovate faster, possibly leading to better products and user experiences.
Moreover, these filings also boost investor confidence in the long-term viability of fintech startups, which were previously seen as volatile or overvalued during the pandemic-era funding boom.
Market analyst Sarah Greene from TechView Markets commented,
“Chime and eToro stepping forward with IPOs shows the market has finally found its footing. These are not just big filings; they’re symbolic of a tech revival that many had been waiting for.”
Investor and fintech advisor Daniel Brooks added,
“The success of these IPOs could influence the timing of other major fintech listings. Everyone is watching how well Chime and eToro perform on the public market.”
With Chime and eToro stepping boldly into the IPO arena, fintech is once again in the spotlight. As these companies move from private giants to publicly traded firms, they bring with them the promise of transparency, innovation, and massive scalability.
Investors, consumers, and tech enthusiasts alike will be closely watching how the market receives these IPOs. One thing is clear — the era of digital finance is far from over, and this could just be the beginning of a long-awaited IPO boom.
Stay updated with more fintech IPO news and tech market trends at TechCrunch and Bloomberg Technology.
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