Grab Agrees to Buy 60% of Atome Financial for $1.49 Billion

# Grab Agrees to Buy 60% of Atome Financial for $1.49 Billion

> Evidence tier: B1
> Evidence type: Independent payments-trade report corroborated by Grab's primary transaction announcement
> Source: [PYMNTS](https://www.pymnts.com/bnpl/2026/grab-enters-bnpl-space-with-1-4-billion-atome-acquisition)
> Published: 2026-09-15
> Captured: 2026-09-15T13:26:49.714Z

## Source summary

PYMNTS reports, and Grab's primary announcement confirms, that Grab entered definitive agreements to acquire a controlling 60% cash stake in Atome Financial for USD 1.49 billion, including USD 260 million of primary growth capital. The first phase is expected to close by the third quarter of 2027, subject to regulatory approvals and customary conditions. Grab also agreed to buy the remaining 40% about two years after that closing under a performance-based valuation framework with a USD 2.0 billion floor and USD 4.5 billion cap. Atome operates in Singapore, Malaysia, the Philippines, Indonesia and Thailand, reports 25 million cumulative transacted users, more than 30,000 brands and a USD 1 billion gross loan portfolio, and offers BNPL loans and cards, consumer cash loans and digital lending.

## Why it matters

The signed deal would materially expand Grab's consumer-credit and installment-payment reach across five Southeast Asian markets and connect Atome's merchant network and underwriting infrastructure with Grab's payments, banking and lending ecosystem. It is not completed: phase one depends on regulatory approvals, is not expected before the third quarter of 2027, and the later 40% purchase has a performance-based price rather than a fixed consideration. User, merchant, loan-book and delinquency figures are company-reported; the sources provide no independent credit-loss validation, integration plan, product pricing, cross-border payment volume, realized synergies or post-close operating result. Grab's 2028 EBITDA, revenue-growth and loan-portfolio figures are forward-looking targets.

## Key numbers

- **Phase-one equity stake:** 60%
- **Phase-one cash consideration:** USD 1.49 billion
- **Primary growth capital included:** USD 260 million
- **Expected phase-one completion:** by Q3 2027, subject to approvals
- **Atome cumulative transacted users:** 25 million (company-reported)

## Topics and entities

- Industry lane: Payment infrastructure
- Entities: Grab / Atome Financial
- Payment infrastructure
- Cross-border payments
- Company intelligence

## Evidence and credibility note

Readable PYMNTS report checked against Grab's September 15 primary announcement. The definitive agreements, 60% phase-one stake, cash amount and conditional timetable are company-confirmed; completion, later consideration, synergies, credit performance and 2028 targets remain conditional or forward-looking.

Date evidence: PYMNTS article metadata records 2026-09-15T13:21:09+00:00; Grab's primary transaction announcement is dated September 15, 2026

## First-party corroboration

- [https://investors.grab.com/news-and-events/news-details/2026/Grab-to-acquire-majority-stake-in-Atome-Financial-accelerating-growth-and-profitability-of-Financial-Services-segment-2026-DVr9ZLrZC9/default.aspx](/en/items/https://investors.grab.com/news-and-events/news-details/2026/Grab-to-acquire-majority-stake-in-Atome-Financial-accelerating-growth-and-profitability-of-Financial-Services-segment-2026-DVr9ZLrZC9/default.aspx)

## Original-source traceback

[Open the original PYMNTS report](https://www.pymnts.com/bnpl/2026/grab-enters-bnpl-space-with-1-4-billion-atome-acquisition)

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This is a structured Payments Hot Markdown source summary derived from external reporting. Use the original link above to read the publisher's article; copyright remains with the original publisher.