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MoneyHero Limited (MNY)
NASDAQ:MNY
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MoneyHero Limited
(NASDAQ:MNY)
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Select Model
Rating:47Neutral
Price Target:
$1.50
▲(0.00% Upside)
MoneyHero Limited's overall stock score reflects significant financial challenges and a bearish technical outlook, partially offset by positive earnings call sentiment and strategic initiatives. The company's focus on profitability and high-margin sectors provides a potential path to improvement, but current financial and valuation metrics remain concerning.
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$64.81M
Dividend YieldN/A
Average Volume (3M)361.02K
Price to Earnings (P/E)―
Beta (1Y)1.83
Revenue Growth-22.90%
EPS Growth88.91%
CountryUS
Employees286
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)0.00
Shares Outstanding29,949,192
10 Day Avg. Volume688,621
30 Day Avg. Volume361,023
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap0.03
Enterprise Value/Revenue0.02
Enterprise Value/Gross Profit0.05
Enterprise Value/Ebitda-0.05
Forecast
1Y Price Target
$4.00Price Target Upside166.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
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 affiliate marketing and lead generation for financial products. The company partners with banks, credit card issuers, and insurance companies to provide users with personalized product recommendations. When users apply for or purchase these financial products through MoneyHero's platform, the company earns a commission or referral fee. Additionally, MoneyHero may monetize its platform through advertising, where financial service providers pay to display targeted ads to the platform's users. Strategic partnerships with major financial institutions enhance MoneyHero's market reach and contribute significantly to its earnings.
MoneyHero Limited Earnings Call Summary
Earnings Call Date:Sep 19, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Dec 03, 2025
Earnings Call Sentiment Positive
The earnings call highlighted strong sequential revenue growth, significant improvements in adjusted EBITDA, cost management, and strategic shifts towards higher-margin verticals. Despite a year-over-year revenue decline, the sentiment remains positive due to the company's clear path to achieving profitability and effective use of AI to enhance operations.Q2-2025 Updates
Positive Updates
Revenue Growth and Positive Net Income
Quarterly revenue grew over 20% sequentially from Q1 to Q2, reaching $80 million. The company also reported a net income of $0.2 million for the quarter.
Improved Adjusted EBITDA
Adjusted EBITDA loss improved to $1.95 million, showing a narrowing from previous quarters, and the company is on track for positive adjusted EBITDA in the second half of 2025.
Cost Management and Margin Expansion
Cost of revenue decreased to 51% from 67% year-over-year, and operating expenses fell by 37%. Gross margins and profitability have improved significantly.
Growth in High-Margin Verticals
Insurance and wealth segments contributed 27% of total revenue, up from 22% the previous year, indicating a successful shift towards higher-margin verticals.
Strong AI Integration
AI is being used for customer support and competitive intelligence, leading to reduced service costs and better conversion rates without increasing headcount.
Negative Updates
Year-over-Year Revenue Decline
Revenue for the quarter was down 13% year-over-year as a result of shifting focus to higher-margin products and away from lower-margin credit card volume.
Company Guidance
In the second quarter earnings call for MoneyHero in 2025, CEO Rohith Murthy and CFO Danny Leung outlined the company's strategic focus on driving profitability and growth through key initiatives and metrics. The company reported a revenue of $80 million with an adjusted EBITDA loss of $1.95 million, marking a sequential revenue growth of over 20% from Q1 to Q2. The cost of revenue decreased significantly to 51% of total revenue, while insurance and wealth sectors contributed 27% of the revenue. MoneyHero achieved a net income of $0.2 million for the quarter. The guidance for the second half of 2025 includes continued revenue growth of over 20% sequentially, targeting positive adjusted EBITDA by the end of the year. The company is leveraging AI for operational efficiencies and enhancing customer journeys, aiming for a 30% contribution from insurance and wealth sectors to its revenue mix. With over 8.6 million members and 260-plus provider partnerships, MoneyHero is positioned to capitalize on the growing digital finance market while maintaining a disciplined approach to cost management and strategic expansion.MoneyHero Limited Financial Statement Overview
Summary
MoneyHero Limited faces substantial financial challenges with negative profitability and cash flow metrics. While maintaining a decent equity base and low debt, the company must address operational inefficiencies and improve profitability for long-term sustainability.Income Statement
MoneyHero Limited shows consistent revenue generation but suffers from significant negative net income and EBIT margins. Despite a slight revenue growth in recent years, the persistent negative profitability metrics indicate challenges in cost management and operational efficiency.40
Negative
Balance Sheet
The company has a reasonable equity ratio, indicating a solid capital base. However, the balance sheet is strained by high liabilities relative to assets and negative net equity. Debt levels remain low, which mitigates financial risk, but the company needs to improve its asset management to enhance financial stability.50
Neutral
Cash Flow
Cash flow from operations remains negative, reflecting ongoing operational challenges. Free cash flow has not shown improvement, impacting the company's ability to reinvest or reduce debt. The low operating cash flow to net income ratio signals inefficiencies in converting revenue into cash.35
Negative
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 79.51M | 80.67M | 68.13M | 61.88M | 0.00 |
| Gross Profit | 29.29M | 36.74M | 34.25M | 32.00M | 0.00 |
| EBITDA | -33.61M | -87.44M | -37.11M | -25.37M | -238.20K |
| Net Income | -37.79M | -172.60M | -49.44M | -30.93M | -90.42M |
Balance Sheet | |||||
| Total Assets | 79.78M | 115.05M | 64.25M | 596.16M | 597.06M |
| Cash, Cash Equivalents and Short-Term Investments | 42.71M | 70.11M | 24.08M | 156.13K | 1.50M |
| Total Debt | 736.00K | 606.06K | 9.53M | 800.00K | 300.00K |
| Total Liabilities | 31.55M | 35.96M | 48.43M | 45.32M | 135.26M |
| Stockholders Equity | 48.23M | 79.08M | 15.82M | 550.84M | 461.80M |
Cash Flow | |||||
| Free Cash Flow | -26.62M | -19.26M | -19.60M | -19.83M | -32.55K |
| Operating Cash Flow | -24.89M | -17.04M | -14.61M | -14.39M | -32.55K |
| Investing Cash Flow | -256.82K | -1.34M | -4.98M | -5.48M | -594.99M |
| Financing Cash Flow | -721.73K | 63.06M | 34.79M | 11.58M | 596.53M |
MoneyHero Limited Technical Analysis
Neutral
1.50
Price Trends
1.82
Negative
1.33
Positive
1.13
Positive
Market Momentum
-0.06
Positive
41.10
Neutral
17.43
Positive
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 1.5 is below the 20-day moving average (MA) of 1.78, below the 50-day MA of 1.82, and above the 200-day MA of 1.13, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 41.10 is Neutral, neither overbought nor oversold. The STOCH value of 17.43 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MNY.
MoneyHero Limited Peers Comparison
UnderperformOutperform
Sector (60)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
58 Neutral | $40.76M | -22.23 | ― | ― | 1.27% | 78.96% | |
54 Neutral | $64.29M | -5.18 | -24.97% | ― | 12.49% | -30.99% | |
52 Neutral | $42.19M | -0.70 | -288.76% | ― | -31.96% | 56.06% | |
49 Neutral | $30.69M | -0.35 | -38.20% | ― | -0.06% | -87.64% | |
48 Neutral | $34.60M | -4.03 | -4.56% | ― | 5.72% | -39.22% | |
47 Neutral | $64.81M | ― | -29.56% | ― | -22.90% | 88.91% | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% |
* Communication Services Sector Average
MNY
MoneyHero Limited
1.50
0.41
37.61%
SCOR
comScore
6.12
-0.67
-9.87%
FENG
Phoenix New Media
2.88
-0.31
-9.72%
IZEA
IZEA Worldwide
3.78
1.03
37.45%
ZDGE
Zedge
2.99
-0.71
-19.19%
BODI
Beachbody Company
5.97
0.25
4.37%
MoneyHero Limited Corporate Events
MoneyHero Limited to Release Q2 2025 Financial Results on September 19
Sep 2, 2025
On September 2, 2025, MoneyHero Limited announced its plan to release its second quarter 2025 financial results on September 19, 2025, before the market opens. The company will also host a conference call on the same day to discuss the results. This announcement is significant as it provides stakeholders with insights into the company’s financial health and performance, potentially impacting its market positioning and investor relations.
MoneyHero Limited Regains Nasdaq Compliance
Jul 18, 2025
On July 18, 2025, MoneyHero Limited announced it has regained compliance with Nasdaq’s Minimum Bid Price Requirement. The company had previously fallen out of compliance on April 7, 2025, when its share price dropped below $1.00 for 30 consecutive business days. However, by maintaining a closing bid price of at least $1.00 for 10 consecutive business days from July 2 to July 16, 2025, MoneyHero has resolved the issue, closing the matter with Nasdaq. This development is significant for MoneyHero as it stabilizes its market position and reassures stakeholders about its adherence to Nasdaq’s listing standards.
MoneyHero Limited Reports Improved Q1 2025 Financial Results
Jun 13, 2025
MoneyHero Limited announced its financial results for the first quarter of 2025, highlighting significant improvements in financial metrics. The company reduced its net loss to $2.4 million from $13.1 million in the previous year, improved its Adjusted EBITDA loss to $3.3 million, and lowered its cost of revenue by 20 percentage points to 44% of total revenue. The strategic focus on high-margin verticals such as insurance and wealth has led to a more diversified revenue mix, with these segments now accounting for 25% of total revenue. Operational efficiencies were achieved through AI integration, resulting in a 26% reduction in operating expenses. The company also secured new partnerships in the Philippines, enhancing its market position and anticipating a rebound in performance in the latter half of 2025.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.