All I am trying to understand is how can a company grow 6-fold but the share price only increases less than x1. That is some serious dilution,I just hope their is no more.
Because that’s how investment in general works, there’s always the risk of investments reducing in value and/or investors being pushed out by better offers if and when an organisation goes to IPO.
I’d be happy to see a return of £1.6k on top of what you invested, that’s like an 80% return on investment.
Of course there will be additional dilution, it’s almost always what happens as a company gets towards IPO and it’s real value gets worked out.
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but you are conflating a customer growth of 6 fold and hoping / expecting a share price growth of the same, when 4.7 million of those customers could initially be a drain
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Is He ??
" I am just flummoxed about the whole thing. How come the share price has only doubled,when the valuation is between £6-£8 billion also they have onboarded at least 7 million customers since then "
Not the way I read it , you may have interpreted it differently ? the joys of typed answers / questions 
Also why @Juno17 thinks the valuation is / should be £6-8bn I dont know - unless Brian knows how many shares Capital G got for their investment ?
Wait till June 2024 and come back to this thread and I guarantee the valuation will be £6-£8 billion. No scientific calculations just a good old fashioned GUESS!
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Gentle nudge
This discussion is wildly off topic now, which is against the code of conduct
Please either bring discussion of investments in Monzo to a soft landing this morning, or ask Alan or I to split it out to a new/different topic
I did not mention it yesterday as I hoped it would peter out, but here we are again this morning
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Is your new years resolution to threaten to be overly heavy handed for no reason?
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Nobody is discussing paper towels or the latest tv show. This thread has nearly 5000 posts, a 20 or so about Monzo investments isn’t the end of the world is it?
It’ll die off and the topic will continue in a day or so of its own accord.
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Challenge accepted.
The missing factor here is the “down round”. Others have mentioned the normal dilution, which also happened, but at the beginning of the pandemic Monzo (very very closely) failed to close a round of funding. They subsequently took on investment at a punitive valuation in order to survive the pandemic. This has hurt your investment. But you’re still up 80%, and you should be happy about that.
Additionally 2018 was the third crowdfunding round and therefore there was less upside to be had than if you had invested in the two previous rounds.
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Thank you for finally answering my post 
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Hooray, a Monzo technology session this side of the pandemic!
Thanks for sharing
Edit: Added it to the wiki along with other previous sessions and presentations from Miles and others:
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What is the latest news on the purported £300 million investment in Monzo. I thought it was meant to be finalised before year end 2023
Need to ask Mark Kleinman of Sky News about that. No one else has mentioned it as far as I know, other than in reference to his splash.
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The replies make this place look like Mensa.
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I don’t get this.
“My money is stuck, I need money for food”
“Your account is under review as per terms, you mention you’re struggling for food, here’s a temporary solution to your problem”
People moan about being helped.
To add, it’s usually offered to customers before just sending the link, they accept, so monzo sends the support they asked for.
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that’s like me coming to your house, taking a dump on your living room floor, and telling you that it would smell less if you opened a window.
it’s not “being helpful”
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Agreed! Surprised that someone with £20k in a current account wouldn’t have another account/credit card with which to buy some grub whilst she sorted out a misunderstanding with her bank.
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Not really no, I wouldnt agree to you having a shit in my house, so not really the same.
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Who give a toss about some random on Twitter?
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