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MoneyHero Limited (MNY)
NASDAQ:MNY
US Market

MoneyHero Limited (MNY) AI Stock Analysis

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MoneyHero Limited

(NASDAQ:MNY)

56Neutral
MoneyHero Limited's overall score reflects solid revenue growth and strategic improvements in high-margin areas. However, profitability challenges, negative technical indicators, and valuation concerns weigh on the stock. Addressing these challenges and enhancing cash flow are key to improving stability and investor confidence.

MoneyHero Limited (MNY) vs. S&P 500 (SPY)

MoneyHero Limited Business Overview & Revenue Model

Company DescriptionMoneyHero Limited operates as a personal finance company. The company was founded in 2014 and is headquartered in Singapore.
How the Company Makes MoneyMoneyHero Limited generates revenue primarily through subscription fees for its premium services and products. Users can access basic features for free, but advanced tools such as detailed financial analytics, personalized financial coaching, and premium credit monitoring require a subscription. Additionally, the company earns money through partnerships with financial institutions and banks, earning commissions or referral fees for directing customers to their financial products, such as credit cards or loans. Advertising revenue from targeted financial product promotions within their app and website also contributes to the company's earnings.

MoneyHero Limited Financial Statement Overview

Summary
MoneyHero Limited demonstrates promising revenue growth and maintains a strong equity position. However, significant profitability challenges, such as negative EBIT and net profit margins, and reliance on financing for cash flow are concerns. Improvement in operational cash flow and addressing operating losses are crucial for future stability.
Income Statement
55
Neutral
Revenue has grown steadily over the years, showing a 18.4% increase from 2022 to 2023. However, the company is facing profitability challenges, with a negative EBIT margin of -37.2% and a net profit margin of -213.9% for 2023. The gross profit margin remains relatively healthy at 45.5%, indicating some efficiency in operations. Despite revenue growth, the company needs to address high operating losses to improve financial health.
Balance Sheet
60
Neutral
The company maintains a low debt-to-equity ratio of 0.01, indicating minimal leverage. The equity ratio is strong at 68.7%, reflecting a solid equity base. However, there is a significant decrease in stockholders' equity from 2021 to 2023, which could pose future risks. The improvement in cash and short-term investments from 2022 to 2023 is a positive sign for liquidity.
Cash Flow
50
Neutral
Operating cash flow remains negative, highlighting challenges in generating cash from operations. The free cash flow has slightly improved but is still negative. The company has shown improvement in managing capital expenditures. However, the reliance on financing cash flows indicates a need for operational cash flow improvement.
Breakdown
Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
80.67M68.13M61.88M0.00
Gross Profit
36.74M34.25M32.00M0.00
EBIT
-30.03M-40.97M-29.23M-238.20K
EBITDA
-87.44M-37.11M-25.37M-238.20K
Net Income Common Stockholders
-172.60M-49.44M-30.93M-90.42M
Balance SheetCash, Cash Equivalents and Short-Term Investments
68.64M24.08M156.13K1.50M
Total Assets
115.05M64.25M596.16M597.06M
Total Debt
606.06K9.53M800.00K300.00K
Net Debt
-68.03M-14.55M643.87K-1.20M
Total Liabilities
35.96M48.43M45.32M135.26M
Stockholders Equity
79.08M15.82M550.84M461.80M
Cash FlowFree Cash Flow
-19.26M-19.60M-19.83M-32.55K
Operating Cash Flow
-17.04M-14.61M-14.39M-32.55K
Investing Cash Flow
-1.34M-4.98M-5.48M-594.99M
Financing Cash Flow
63.06M34.79M11.58M596.53M

MoneyHero Limited Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price0.84
Price Trends
50DMA
0.80
Positive
100DMA
0.95
Negative
200DMA
1.10
Negative
Market Momentum
MACD
<0.01
Negative
RSI
57.60
Neutral
STOCH
88.89
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNY, the sentiment is Neutral. The current price of 0.84 is above the 20-day moving average (MA) of 0.75, above the 50-day MA of 0.80, and below the 200-day MA of 1.10, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 57.60 is Neutral, neither overbought nor oversold. The STOCH value of 88.89 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MNY.

MoneyHero Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (59)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
59
Neutral
$26.49M-6.60%4.26%88.30%
59
Neutral
$13.74B6.91-2.67%3.82%2.33%-34.79%
MNMNY
56
Neutral
$32.26M-218.25%345.36%-650.95%
45
Neutral
$25.11M-27.19%-4.12%22.94%
45
Neutral
$32.98M-33.05%-0.92%-140.08%
43
Neutral
$22.58M-4.47%0.22%49.14%
43
Neutral
$29.96M-129.17%-20.55%57.03%
* Communication Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
MNY
MoneyHero Limited
0.84
-1.16
-58.00%
SCOR
comScore
4.85
-9.10
-65.23%
FENG
Phoenix New Media
2.20
0.07
3.29%
IZEA
IZEA Worldwide
2.04
-0.83
-28.92%
ZDGE
Zedge
2.53
0.13
5.42%
BODI
Beachbody Company
4.25
-5.05
-54.30%

MoneyHero Limited Earnings Call Summary

Earnings Call Date:Apr 29, 2025
(Q4-2024)
|
% Change Since: 6.33%|
Next Earnings Date:Jun 30, 2025
Earnings Call Sentiment Neutral
The earnings call presented a mixed picture with significant improvements in adjusted EBITDA, gross margin, and growth in high-margin verticals such as insurance and wealth products. However, total revenue declined considerably year-over-year, and the company still reported a substantial net loss. The company’s strategic shift towards higher-margin products is yielding results, but the overall financial health is still challenged by declining total revenue.
Q4-2024 Updates
Positive Updates
Improvement in Adjusted EBITDA
Adjusted EBITDA loss during the quarter improved substantially to $2.9 million from losses of $6.4 million in Q1, $9.3 million in Q2, and $5 million in Q3.
Gross Margin Expansion
Gross margin expanded by 25 percentage points year-over-year.
Increase in Registered Members
Registered members reached 7.5 million, up 42% year-over-year.
Insurance Revenue Growth
Insurance revenue grew by 40% to $8.2 million in 2024, now accounting for a double-digit share of total revenue.
Wealth Revenue Surge
Wealth revenue surged by 138% to $8.5 million in 2024, driven by deepening banking relationships and robust demand for investment products.
Cost Reduction and Efficiency
Operating expenses decreased with employee-related expenses decreasing by approximately 45% year-over-year.
Strong Cash Position
The company maintains a debt-free balance sheet with $42.5 million in cash.
Negative Updates
Total Revenue Decline
Total revenue during the quarter fell by 40% year-over-year to $15.7 million, driven mainly by a shift in focus on diversifying revenue mix and the high base effect set during the same period last year.
Net Loss
Net loss narrowed to $18.8 million from $94.3 million during the same period last year, but it still represents a significant loss.
Company Guidance
During the call, MoneyHero provided guidance highlighting their strategic focus on improving profitability and revenue quality. The company reported an adjusted EBITDA loss of $2.9 million in Q4 2024, a significant improvement from previous quarters, with losses of $6.4 million in Q1, $9.3 million in Q2, and $5 million in Q3. Gross margin expanded by 25 percentage points year-over-year, and net loss narrowed to $18.8 million from $94.3 million the previous year. Registered members grew by 42% to 7.5 million, while approved applications increased by 21% year-over-year to 767,000. MoneyHero aims to achieve $100 million in revenue in 2025 and a positive adjusted EBITDA in the second half of the year. The company is focusing on high-margin verticals like insurance, which grew by 40% to $8.2 million, and wealth products, which surged by 138% to $8.5 million. Additionally, MoneyHero is leveraging AI and automation to enhance operational efficiency and reduce costs, with a current cash position of $42.5 million and no debt, positioning them well for future growth.
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.