B
BrightsteadINTELLIGENCE
US Market Opportunity
Integrated Impact: Retention, Fintech & Graduate Acquisition
Total Annual Value Creation
$489M
Combined impact of reduced churn, new fintech revenue, and capturing the Class of 2026.
Annual Risk (Cost of Inaction)
$352M
Projected revenue loss if a competitor (e.g. T-Mobile) deploys this Sovereign Stack first.
Firm Baseline
Subscribers87M
ARPU$65
Monthly Churn0.9%
SAC (Cost)$500
Performance Levers
App Adoption25%
Churn Reduction15%
Wallet Spend/Mo$350
Grad Capture Rate6%
Capturing 4M annual HS grads via FAFSA integration.
Retention Savings
$176M
Churn Reduced by 15%
Fintech Revenue
$126M
Interchange Share
Graduate Revenue
$187M
240K New Subs/Yr
Strategic ESG Impact
22M
Households Empowered
Families receiving financial stability through their connectivity provider.
$104.4B
Customer Capital Unlocked
Total volume of aid, wages, and credit flowing through the rail.
The Math Behind the Model
Retention Savings
22M Users × 0.9% Churn × 15% Reduction = 29K Saved/Mo
29K × $500 SAC × 12 Months = $176M
29K × $500 SAC × 12 Months = $176M
Graduate Acquisition
4M Grads × 6% Capture = 240K New Subscribers
240K × $65 ARPU × 12 Months = $187M
240K × $65 ARPU × 12 Months = $187M
Fintech Revenue
$350/mo × 12 × 1.35% (Gross) × 51% (Net) × 20% (Share)
= $126M / Yr (Across 22M users)
= $126M / Yr (Across 22M users)