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💻 SaaS

Unit Economics for SaaS

The central indicator is LTV:CAC. With low churn and account expansion (NRR > 100%), a customer's value can be worth several times what it cost to acquire them — but only if you measure it per customer, not on total MRR.

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Metrics and LATAM benchmarks — SaaS

ARPU — Average Revenue per User

StatusRange
HealthySaaS B2B: > $80/mo · Fintech: > $15/mo · Edtech: > $30/mo
AlertSaaS B2B: $30–$80/mo · Fintech: $5–$15/mo · Edtech: $12–$30/mo
CriticalSaaS B2B: < $30/mo · Fintech: < $5/mo · Edtech: < $12/mo

Monthly Churn — Cancellation Rate

StatusRange
Healthy< 2%/mo (< 21% annual)
Alert2–4%/mo (21–40% annual)
Critical> 4%/mo (> 40% annual)

NRR — Net Revenue Retention

StatusRange
Healthy> 105% annual
Alert95–105% annual
Critical< 95% annual

CAC — Customer Acquisition Cost

StatusRange
HealthyLTV:CAC > 3× and payback < 12 months
AlertLTV:CAC 1.5–3× or payback 12–18 months
CriticalLTV:CAC < 1.5× or payback > 18 months

Gross Margin — % remaining after direct costs

StatusRange
HealthySaaS: > 70% · Fintech: > 50% · Ecommerce: > 35%
AlertSaaS: 50–70% · Fintech: 35–50% · Ecommerce: 20–35%
CriticalSaaS: < 50% · Fintech: < 35% · Ecommerce: < 20%

Monthly Expansion Rate

StatusRange
Healthy> 1% monthly on the installed base
Alert0.3–1% monthly
Critical< 0.3% monthly (no real upsell)

Other verticals: 💳 Fintech · 🛒 E-commerce · 🏢 Proptech · 🎓 Edtech