Naranja X is an Argentine fintech that evolved from Tarjeta Naranja into a digital financial platform. It offers accounts, cards, loans, investments, and merchant payment services to consumers and small businesses.
Access to pre-IPO shares is available to accredited investors through UpMarket.
Naranja X shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
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Full offering memoranda and risk disclosures provided before any commitment is required.
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Pre-IPO investments are illiquid, speculative, and involve risk of total loss of capital.
| Date | Round | PPS (split-adj.) | Valuation |
|---|---|---|---|
| Mar 2026 | Debt - Conventional | $140M |
Naranja X reported an ARS 18.6 billion loss in Q1 2026, a roughly 60% improvement from the prior quarter’s ARS 50 billion loss. Management said delinquency trends improved since September 2025, supporting a recovery in earnings.
The Naranja X app bundles high-yield savings, credit cards, instant loans, dollar purchases and payment tools into one consumer platform. Its Google Play listing was updated on Jul 26, 2026, showing continued product iteration.
An industry profile says Naranja X has 9.5M+ customers and 150K+ merchants, making it a major digital finance platform in Argentina. The same profile says it now offers accounts, cards, loans, investments and merchant acquiring across consumer and SMB segments.
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No. As of August 2026, Naranja X is a private company and does not trade on any public stock exchange. Accredited investors can access Naranja X shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Naranja X does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Naranja X shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered more than $500M in alternative investments since 2019.
Pre-IPO investments carry significant risks. Naranja X shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Naranja X is an Argentine fintech offering accounts, cards, loans, investments, and merchant payment services, with $1.2B in 2024 revenue, as Q1 loss narrows and deposits and growth improve, accredited investors can access Naranja X stock through UpMarket.