# Revolut Gets First Investment-Grade Rating From S&P, Plans 2027 Bond Sale

> S&P Global Ratings gave the UK digital bank a BBB+ rating and expects it to issue senior unsecured bonds next year to build capital buffers as its loan book expands rapidly.

- Source: Principle Post
- Canonical URL: https://principlepost.com/article/revolut-sp-investment-grade-rating-2027-bond-sale
- Author: Principle Post Staff
- Section: Markets
- Published: 2026-10-22T18:27:00.000Z
- Updated: 2026-10-22T18:27:00.000Z
- Tags: Revolut, S&P Global Ratings, fintech, United Kingdom, banking

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Revolut has received its first investment-grade credit rating, with S&P Global Ratings assigning the UK digital bank a BBB+ grade as it pushes to expand beyond its home market. S&P expects Revolut to tap bond investors for the first time in 2027, issuing senior unsecured debt to meet regulatory capital requirements and build a buffer against potential loan losses.

## A balance sheet growing fast

Revolut's balance sheet has now topped £40 billion, and S&P forecasts its loan portfolio will double in 2027 and double again in 2028, as the company pushes further into unsecured consumer lending and mortgages. That kind of rapid loan growth typically requires a bank to raise additional capital to stay within regulatory limits, which is part of why S&P expects Revolut to turn to the bond market rather than relying solely on retained earnings or equity.

The investment-grade rating is a milestone for a company that built its business as a consumer fintech app before expanding into full banking services, since an S&P grade of this level can lower the cost of future borrowing and make Revolut's debt eligible for a broader pool of institutional investors once it does come to market.

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Originally published by Principle Post. Free to cite with attribution and a link to https://principlepost.com/article/revolut-sp-investment-grade-rating-2027-bond-sale.