Zest AI
Zest AI provides machine learning software for financial institutions, offering solutions for underwriting, fraud detection, and borrower risk assessment.
Secondary Market Price
Secondary Market Price
How Zest AI Measures Up
To help you manage your Zest AI equity, Prospect has run the company through our machine learning model.
Prospect Rating
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This rating reflects our belief in this company's potential to grow to that many times its current value in 4 years. For an employee with stock, this rating suggests a potential return on equity, but it also comes with some risk.
Exit Risk
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Our rating is a reflection of the likelihood of this company achieving a liquidity event for its employees based on the quality of investors, funding stage, founders, and more.
Funding Stage
Series H
A company’s funding stage reflects how established it is, how quickly it is scaling, and the average impact an employee may have when joining.
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Prospect Projected Future Zest AI Prices
Prospect’s machine learning model has been trained on the same data top-tier investors use to project the likely range of outcomes for Zest AI's equity. Create a free account to view 10th-90th percentile projections over 2, 4, and 6 years.
Powerful tools to earn more from your equity
Company Description
Zest AI is a financial technology company that develops artificial intelligence software for the lending industry. It provides solutions to banks, credit unions, and other lenders for use in marketing, underwriting, fraud detection, and overall lending intelligence. The company's machine learning software is used to assess borrower risk and automate credit decisions, with its platform managing over $5.6 trillion in assets across more than 600 active models. Founded in 2009 and formerly known as ZestFinance, the company has focused on using AI to make lending more efficient and accessible. It holds over 50 patents in areas including automation, performance, and model explainability.
Looking forward, Zest AI plans to continue advancing its technology with an emphasis on real-time risk detection and supporting community banks in their adoption of AI. Recent announcements underscore the company's activity in the market; in January 2025, Zest AI raised $200 million in a Series G funding round. Company executives have also contributed to industry discussions, with its CEO publishing predictions on the future of AI in banking and its CTO speaking on the impact of alternative data for applicants with limited credit histories. These activities align with industry reports cited by the company, such as a Celent survey indicating that 80% of lenders are increasing their IT spending for consumer loan origination.
- Insight Partners
- CMFG Ventures
- CU Direct
- Curql
- Suncoast Credit Union
- Golden1 Credit Union
- Hawaii USA Federal Credit Union
- NorthGate Capital
- SchoolsFirst Federal Credit Union
- Members 1st Federal Credit Union
- ORNL Federal Credit Union
- Truliant Federal Credit Union
- Citi Ventures
- Matrix Partners
- Lightspeed Venture Partners
- Upfront Ventures
- Flybridge Capital Partners
- Northgate Capital
- Suncoast Credit Union
- Thiel Capital
- Co-Founder, Douglas Merrill
- Co-Founder, Shawn Budde
Peer Group Comparison
Vs Peer Group of >$4B Startups
Frequently Asked Questions
Joining Anduril as an employee is another way to acquire equity, typically through stock options included in compensation packages.
Is Zest AI worth joining?
Deciding to join a startup like Zest AI depends on your personal career goals, risk tolerance, and belief in the company's mission. A key part of your compensation is equity, and tools like Prospect can help you analyze its potential value to make a more informed decision.
What should I do with my Zest AI stock?
Managing your Zest AI stock effectively requires a personalized strategy that considers your financial goals, tax liabilities, and the company's outlook. Platforms like Prospect provide customized strategies for exercising options and planning for liquidity to help maximize your post-tax equity value.
Can you sell Zest AI stock?
As Zest AI is a private company, you can generally only sell stock during specific liquidity events, such as tender offers or on secondary markets. Prospect offers tender offer tools that help you determine how much to sell and which shares are the most tax-optimal.
How can I find the value of my Zest AI stock?
The value of private stock is formally determined by a 409A valuation, but you can also track its price on secondary markets for a current estimate. To help you understand its potential, Prospect provides predictive models and secondary market price tracking to forecast your equity's future value.
What is Zest AI's equity worth?
The precise worth of Zest AI's equity is not public information and changes based on factors like company performance and new funding rounds. You can use a platform like Prospect to model different scenarios and project the potential future value of your personal holdings.
What is Zest AI's stock ticker symbol?
Zest AI does not have a stock ticker symbol because it is a private company. Ticker symbols are only assigned to companies once they begin trading publicly on a stock exchange.
Can I buy or sell Zest AI stock?
Since Zest AI is a private company, opportunities to buy or sell its stock are limited to specific events like tender offers or secondary market transactions. For employees holding equity, Prospect provides tools to optimize selling decisions during these liquidity windows, but does not facilitate buying stock.
What is the criteria to buy or invest in Zest AI stock?
Investing in a private company like Zest AI is typically restricted to accredited investors who participate in organized funding rounds or approved secondary sales. Prospect's platform is designed for employees who have already been granted equity to help them manage their holdings, not for outside investors looking to buy in.
