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FinTech / InsurTech benchmarks · 2026

Banking, lending, investing, insurance, payments. Highly regulated. Compliance reviews gate every creative. Approval-to-funded conversion is the gating metric.

Snapshot

Banking, lending, investing, insurance, payments. Highly regulated. Compliance reviews gate every creative. Approval-to-funded conversion is the gating metric.

Key benchmarks · 2026

Avg blended CVR
0.8–2.0%
Approval-to-funded CVR
35–62%
Target CAC
$120–450
CAC payback
6–18 months
LTV multiplier (vs first-year revenue)
4–8x
Avg AOV/loan size
Gross margin
60–85%

Channel mix notes

Compliance is the rate-limiter — creative review cycles 2–3x longer than DTC. Trust signals (reviews, partnerships) outperform discounts on CVR.

Primary channels for this industry

Build a media plan for this industry: Use the budget allocator, CAC payback calculator, and LTV:CAC calculator.

How to read these benchmarks

Read FinTech / InsurTech against your own account, not as a target to copy. With avg blended cvr reaching 0.8–2.0%, a result inside the range usually means the constraint is elsewhere - offer, landing experience, or measurement - while a result well outside it points straight at targeting, creative, or bid strategy. Compare like with like - same funnel stage, same objective, same season - because a top-of-funnel number judged against a bottom-of-funnel benchmark will always mislead.

How to use this page. Find the funnel stage you are buying, read the range, and calculate the gap to your live numbers. Model the revenue impact of closing that gap with the break-even ROAS and CAC payback calculators, then pressure-test the plan against the full 2026 benchmarks compendium.

Sourcing. Ranges are RGM's 2026 synthesis of platform-reported figures and aggregated account data, expressed as medians and typical spreads rather than single points. They move with season, auction pressure, and creative quality, so re-check them each quarter.