Divvy Homes is a real estate technology company that offers a new pathway to homeownership through its rent-to-own model.

Brian Ma

Adena Hefets

Alex Klarfeld

Nicholas Clark

Divvy Homes

VCI Global Limited provides consulting services in Malaysia, China, Singapore, and the United States. It offers business strategy consultancy, including listing solutions, corporate finance, legal, investors relations, and boardroom strategies consultancy. The company also technology consultancy, including software solutions that comprise artificial intelligence, analytics, and robotics, as well as a range of blockchain technology solutions. It delivers its services to small-medium enterprises and government-linked agencies, as well as to publicly traded conglomerates across various industries. The company was founded in 2013 and is based in Kuala Lumpur, Malaysia.

VCI Global Limited

Vintage Capital is a real estate lending and investment company that lends to strategic real estate entrepreneurs, home builders, commercial developers, real estate professionals, and private individuals.

Vintage Capital

Qonto provides an online business account that helps businesses manage finances, including paying, invoicing, bookkeeping, managing expenses, and finding financing. The company is self-described as offering banking services to various business sizes and types.

Qonto

We're building a different pathway to homeownership –– one that's more affordable, more flexible, and a better fit for the modern American family.

At Divvy, we empower renters to become homeowners. We’re in the business of financial equality. Divvy represents an entirely new way to think about homeownership in America –– re-igniting the dream of homeownership and providing a real wealth-building opportunity along the way. 

We've raised over $100M in funding –– from Max Levchin, Caffeinated Capital, and Andreessen Horowitz, among others –– and could use your help to scale our efforts from the hundreds of homes we own today to the tens of thousands we'll own tomorrow.

Caffeinated Capital

Andreessen Horowitz

Lennar Corporation

Max Levchin

Tiger Global Management

GGV Capital

Jaws Ventures

Moore Capital

Congrats to our CEO, Adena Hefets, on being recognized as a 'Best of Proptech' winner by Inman!
 
We're so proud to see her named among the most influential leaders in the industry and grateful for her leadership as we work to make homeownership more accessible to everyone.

🌟 Our agents share why they love Divvy Realty! 🏡

Don’t just take our word for it; hear it straight from them, in their own words, as they explain why they love being part of our team.

🌟 Top-Notch Technology: We provide you the best tools to make you successful. Our AI, automated drip campaigns, and lead matching are cutting edge and help you be more efficient.

🌟 Turnkey Marketing: Create and post directly to your socials in just a few clicks!
 
🌟 Family Culture: We’re more than just a brokerage; we’re a family. Together, we celebrate successes, bounce ideas off one another, and support each to grow our businesses.

Are you ready for a change? 🔑 Learn more about how you can join the Divvy Realty family at divvyrealty.com/careers 🏠 


Meet Sugean Marcus from Georgia, who successfully completed the Divvy program and closed on her home in 2022. See how she went from skeptical renter to happy homeowner with Divvy's help.

The power of what's possible via Divvy Homes' rent-to-own program is best showcased by the stories of real Divvy customers achieving their dreams of homeownership. 

Today, we're thrilled to share the story of Kimberly Rudy, a lifelong renter who always dreamed of owning a home of her own, but it always felt out of reach. Via Divvy, she successfully became a homeowner at 51, all while going through treatment for breast cancer. 

Thank you for letting us help you reach your dream, Kimberly. 💛

We're proud that Divvy Homes was named to the prestigious Real Simple 'Smart Money Awards' list this year. Divvy was founded in 2017 with the mission of making homeownership accessible to everyone. With mortgage rates at all-time highs and home affordability at all-time lows, our mission is more critical than ever. Divvy gives renters the power of ownership: pick out a home, build savings, and have the option to make it your forever home. It's working. After 3 years, ~60% of Divvy’s customers have either bought back their home or are continuing to rent and build savings. ✨🏡

Metric
Company Name	Divvy Homes	VCI Global Limited	Vintage Capital	Qonto
Symbol		VCIG
MSH ID	COM:DIVVYHOMES	CO:V-CAPITAL	COM:VINTAGECAPITAL	EU:QONTO
Market	PRIVATE	STOCKS	PRIVATE	PRIVATE
Sector	Real Estate	Industrials	Financial Services & Finance	Financial Services & Finance
Industry	Real Estate Technology	Consulting Services	Real Estate	Fintech
Country	US	MY	US	FR
Stage				Venture Round
Employee Count	158	102
Website	divvyhomes.com	v-capital.co	vintagecapital.com	qonto.eu
LinkedIn	divvy-homes
Founders

Metric
Market Cap		30.36M
Enterprise Value
Monthly Web Traffic	65.98K		99	4.60M
Web Traffic Growth	-0.30		1.61	0.11
Valuation
Raised Capital	735M			200K

Metric
Revenue		20.10M
Revenue (LTM)
Revenue (NTM)
Gross Profit		16.63M
EBITDA		8.03M
Operating Income		7.22M
Net Income		8.07M
EPS		0.22
Diluted EPS		0.22
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin		0.78
Operating Profit Margin		0.44
EBITDA Margin		0.40
Net Profit Margin		0.61
Return on Equity		0.95
Return on Assets		0.52
Return on Capital Employed		0.46

COM:DIVVYHOMES

Divvy Homes

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio		6.51
P/B Ratio		5.42
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		5.10
EV Multiple		13.60

Metric
Days Sales Outstanding		159.49
Days Payables Outstanding		6.63
Days Inventory Outstanding		958.20
Operating Cycle		1.07K
Cash Conversion Cycle		1.05K
Asset Turnover		0.85

Metric
Operating Cash Flow		1.19M
Free Cash Flow		719.21K
Cash Flow to Debt		6.37
Operating Cash Flow/Sales		0.20
Free Cash Flow Yield		-0.02

Metric
Cash & Equivalents		1.05M
Accounts Receivable		-3.24M
Inventory		-2.44M
Goodwill
Debt to Capitalization		0.07
Debt to Assets		0.04
Current Ratio		1.49
Quick Ratio		7.80

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue		0.31