Umba

Active#9 in Kenya

Estimated valuation · Digital bank · Kenya

Operates a digital bank in Kenya offering savings, payments and secured loans, mainly vehicle and small-business credit, to consumers and entrepreneurs through a mobile app.

Fintech›digital bank umba.com

Founded2018

HQNairobi

Raisedabout USD 20M (incl. 2025 debt)

Last roundSeries A · Apr 2022

LicenceHolds a Kenyan microfinance banking licence (via acquisition) and focuses on secured lending

Country of originKenyaListed in the Kenya ranking

Where would you invest?KenyaJurisdiction as cited by the ranking

Estimated valuation

AI · Kenya ranking

≈ USD 77MUSD 52–120M · Tens of M$

Hundreds of k$

Millions $

Tens of M$

Hundreds of M$

Unicorn

Decacorn

Hectocorn

Anchor: Last known equity round: Series A · USD 15M · Apr 2022
AI adjustment: None

An indicative editorial estimate produced by AI, imperfect by nature: neither a financial valuation nor investment advice. Only the market sets a company’s value. Method

Uback rankings

How the AI ranks →

Ranking	Tier	Rank	Edition	Next update
Kenya · all sectors	Top 20	#9	Edition 0 · October 2026	23 Jan 2027

Rank historyOct 2026 · #9First edition: no movements yet.

Funding history

about USD 20M (incl. 2025 debt) raised in total

Date	Round	Amount	Type	Investors
Apr 2022	Series A	USD 15M	Equity	Costanoa Ventures, Lux Capital, ACT Ventures, Palm Drive Capital, Banana Capital

Rounds as cited by Uback’s rankings. Equity, debt and grants are shown separately; only equity rounds count towards the valuation anchor.

Independent analyses

By industry professionals & analysts

Industry professionals and financial analysts can publish their own analysis of Umba as a PDF. It must answer at least one of these four questions, and stick to them:

AI valuation: $77MUndervalued or overvalued?

Versus competitorsHow does it compare?

Who should acquire itStrategic buyers, and why

Who should it acquireAcquisition targets, and why

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What the AI reads

Read by the AI at the next edition.

Comparable companies in Kenya

Full Kenya ranking →

M-KOPA#2Fintech › pay-as-you-go asset financingHundreds of M$Cellulant#3Fintech › paymentsHundreds of M$Turaco#13Fintech › insurtechTens of M$Pezesha#15Fintech › SME lendingTens of M$

Last updated: Oct 2026Report an error

Uback is a content publisher and an aggregator of non-binding expressions of interest. It provides no investment advice, receives no mandate and takes part in no transaction. Rankings, ranges and brackets are editorial estimates produced by AI, purely indicative.