PH fintech IPOs are set to take center stage in 2026, as the country’s digital banks and fintech startups gear up for a wave of public listings.
After years of rapid growth in payments, lending, and digital financial services, Philippine fintechs are finally approaching a breakthrough moment in the public markets. Analysts from Citi and other local financial institutions are predicting a surge in fintech IPOs, signaling a tipping point for the industry.
Leading platforms such as GoTyme and Maya are not only preparing to list on the Philippine Stock Exchange (PSE) but are also exploring opportunities in U.S. markets.
These moves reflect growing confidence in their operational scale, revenue growth, and overall profitability, while highlighting the increasing appetite of investors eager to gain exposure to the next generation of Filipino fintech leaders.
Why 2026 is a turning point
The Philippine fintech ecosystem has matured significantly in recent years. Digital banks now boast multi-million customer bases, diversified services, and more predictable revenue streams.
This growth makes them attractive candidates for public listings, as investors increasingly seek businesses with proven scale and profitability.
Regulatory shifts have also opened doors. The Bangko Sentral ng Pilipinas (BSP) has relaxed some restrictions on digital banks, enabling innovation and competition. These developments give fintechs a stronger foundation to demonstrate sustainable growth — a key narrative for successful PH fintech IPOs.
Major players leading the IPO wave
Maya and GoTyme are emerging as frontrunners in this upcoming wave. Maya has achieved both growth and profitability, with offerings spanning payments, lending, and deposits, giving investors a compelling, diversified story.
GoTyme has been aggressively expanding its customer base while launching new products, including cryptocurrency access and other non-traditional financial services. The company has hinted at dual listings in both the Philippines and the U.S., highlighting its ambition to tap global investor audiences.
These moves show Philippine fintechs’ increasing confidence in their ability to scale and meet international standards, signaling that local startups are ready for major market validation.
Implications for liquidity and ecosystem growth
A surge in PH fintech IPOs could deepen liquidity in Philippine capital markets, historically limited in tech-oriented public offerings. Fresh listings would attract capital, generate analyst coverage, and draw international funds to the PSE.
Beyond financial impacts, successful exits would validate the maturity of the local startup ecosystem. They would signal that Filipino fintechs can build scalable, investible businesses, encouraging venture capital and private equity to fuel innovation across financial services and adjacent tech sectors.
The big picture
2026 could well be remembered as the year PH fintech IPOs went public in force.
With platforms like GoTyme and Maya leading the charge, the local startup ecosystem is not only proving its maturity but also opening doors to global markets and deeper investor participation.
