MoneyHero Limited (MNY) AI Stock Analysis

• Market Cap: $55.17M
• Dividend Yield: N/A
• Average Volume (3M): 106.50K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.70
• Revenue Growth: -23.29%
• EPS Growth: 80.29%
• Country: US
• Employees: 286
• Sector: Communication Services
• Sector Strength: 97
• Industry: Internet Content & Information
• EPS (TTM): -0.10
• Shares Outstanding: 30,533,953
• 10 Day Avg. Volume: 71,817
• 30 Day Avg. Volume: 106,495
• PEG Ratio: 0.02
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 0.59
• P/FCF Ratio: -1.76
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $3.00
• Price Target Upside: 140.00% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 49 Neutral
• Price Target: $1.50 ▲(20.00% Upside)

MoneyHero Limited's overall score is primarily impacted by its financial challenges, with negative profitability and cash flow metrics weighing heavily. However, the optimistic earnings call guidance and improvements in operational efficiency provide some positive outlook. Technical analysis and valuation remain weak, reflecting ongoing market and profitability challenges.

Positive Factors

AI-Driven Efficiency

AI-driven efficiencies from Project Odyssey enhance operational performance, reduce costs, and improve customer experience, supporting long-term profitability.

Strategic Partnerships

The partnership with HashKey Group strengthens MoneyHero's product portfolio and market position in digital assets, enhancing its competitive edge and revenue potential.

Revenue Mix Improvement

A shift towards higher-margin products like insurance and wealth improves profitability and aligns with strategic goals for sustainable growth.

Negative Factors

Negative Cash Flow

Persistent negative cash flow indicates operational inefficiencies, limiting the company's ability to invest in growth and manage financial obligations effectively.

Internal Control Weaknesses

Weak internal controls can undermine financial reporting reliability, potentially affecting investor confidence and increasing regulatory scrutiny.

Flat Year-over-Year Revenue Growth

Minimal year-over-year revenue growth suggests challenges in expanding market share and scaling operations, impacting long-term growth prospects.

MoneyHero Limited Business Overview & Revenue Model

Company Description

MoneyHero Limited operates as a personal finance company. The company was founded in 2014 and is headquartered in Singapore.

How the Company Makes Money

MoneyHero Limited generates revenue primarily through affiliate marketing and referral fees from financial institutions. When users compare and apply for financial products through the MoneyHero platform, the company earns a commission from the banks and financial service providers for each successful application or lead generated. Additionally, MoneyHero may also offer premium services or advertisements on its platform, contributing to its revenue streams. Strategic partnerships with various financial institutions enhance its offerings and broaden its user base, further boosting earnings potential.

MoneyHero Limited Financial Statement Overview

Summary

MoneyHero Limited faces significant financial challenges, with negative profitability and cash flow metrics. Despite a solid equity base and low debt levels, the company struggles with operational inefficiencies and needs to improve profitability for 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.

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.

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	69.18M	79.51M	80.67M	68.13M	61.88M	0.00
Gross Profit	27.16M	29.29M	36.74M	-38.87K	32.00M	0.00
EBITDA	-25.36M	-33.61M	-146.35M	-37.11M	-25.37M	-90.22M
Net Income	-24.46M	-37.79M	-172.60M	-49.44M	-30.93M	-90.42M
Balance Sheet
Total Assets	75.90M	79.78M	115.05M	64.25M	596.16M	597.06M
Cash, Cash Equivalents and Short-Term Investments	27.92M	42.71M	68.64M	24.08M	156.13K	1.50M
Total Debt	1.14M	736.00K	606.06K	9.53M	800.00K	300.00K
Total Liabilities	37.48M	31.55M	35.96M	48.43M	45.32M	135.26M
Stockholders Equity	38.42M	48.23M	79.08M	15.82M	550.84M	461.80M
Cash Flow
Free Cash Flow	0.00	-26.62M	-19.26M	-19.60M	-19.83M	-32.55K
Operating Cash Flow	0.00	-24.89M	-17.04M	-14.61M	-14.39M	-32.55K
Investing Cash Flow	0.00	-256.82K	-1.34M	-4.98M	-5.48M	-594.99M
Financing Cash Flow	0.00	-721.73K	63.06M	34.79M	11.58M	596.53M

MoneyHero Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.25
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNY, the sentiment is Negative. The current price of 1.25 is below the 20-day moving average (MA) of 1.29, below the 50-day MA of 1.30, and above the 200-day MA of 1.25, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 44.87 is Neutral, neither overbought nor oversold. The STOCH value of 12.82 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MNY.

MoneyHero Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
ZDGE	57 Neutral	$49.96M	-41.13	-4.52%	―	-1.29%	86.87%
SCOR	56 Neutral	$41.33M	-1.48	-5.12%	―	0.77%	74.60%
PODC	51 Neutral	$70.24M	-12.23	-34.22%	―	20.01%	27.28%
BODI	50 Neutral	$75.03M	-1.60	-102.66%	―	-37.41%	60.58%
MNY	49 Neutral	$55.17M	-2.16	-51.45%	―	-23.29%	80.29%
BZFD	41 Neutral	$35.72M	53.51	-45.88%	―	―	―

MoneyHero Limited Corporate Events

MoneyHero Limited Appoints Deloitte as New Auditor Amid Internal Control Concerns

On December 1, 2025, MoneyHero Limited’s Audit Committee decided to replace Ernst & Young with Deloitte Touche Tohmatsu as their independent registered public accounting firm, effective December 5, 2025. This change follows the identification of material weaknesses in the company’s internal controls over financial reporting for the fiscal years ending in 2023 and 2024, which were reported in their annual reports. Despite these issues, there were no disagreements between MoneyHero Limited and Ernst & Young regarding accounting principles or practices during the relevant periods.

The most recent analyst rating on (MNY) stock is a Buy with a $3.00 price target. To see the full list of analyst forecasts on MoneyHero Limited stock, see the MNY Stock Forecast page.

MoneyHero Limited Reports Strong Q3 2025 Financial Performance

MoneyHero Limited reported its third quarter 2025 financial results, highlighting a 17% sequential revenue increase and a 1% year-over-year growth to $21.1 million. The company has significantly narrowed its adjusted EBITDA loss by 68% year-over-year to $1.8 million, with improvements driven by a strategic shift towards higher-margin revenue streams such as insurance and wealth products. Operating costs have been reduced by 13% year-over-year due to disciplined cost management and AI-driven efficiencies. The company anticipates its first quarter of positive adjusted EBITDA in Q4 2025, reflecting ongoing operational improvements and strategic focus on high-value revenue streams.

The most recent analyst rating on (MNY) stock is a Buy with a $3.00 price target. To see the full list of analyst forecasts on MoneyHero Limited stock, see the MNY Stock Forecast page.

MoneyHero Limited to Release Q3 2025 Financial Results

On November 21, 2025, MoneyHero Limited announced that it will release its third quarter 2025 financial results on December 5, 2025. The company will host a conference call to discuss these results, which may impact its market positioning and provide insights into its operational performance. This announcement is significant for stakeholders as it may influence perceptions of the company’s growth and strategy in the competitive fintech landscape.

The most recent analyst rating on (MNY) stock is a Hold with a $1.50 price target. To see the full list of analyst forecasts on MoneyHero Limited stock, see the MNY Stock Forecast page.

MoneyHero Limited Reports Q2 2025 Profitability and Strategic AI Initiatives

MoneyHero Limited has reported significant progress in its financial performance and strategic initiatives over the past 18 months, with a focus on quality over quantity and AI integration. The company achieved a net income of $0.2 million in Q2 2025, marking a return to profitability, and improved its adjusted EBITDA loss. Key operational advancements include the launch of AI-driven products and expansion into new markets, which have strengthened its market position and user engagement. The introduction of Project Odyssey aims to further embed AI in operations, aligning with user behavior trends and enhancing efficiency. These efforts are expected to sustain revenue growth and profitability, reinforcing MoneyHero’s strategic focus on quality and AI-driven efficiency.

The most recent analyst rating on (MNY) stock is a Hold with a $1.50 price target. To see the full list of analyst forecasts on MoneyHero Limited stock, see the MNY Stock Forecast page.

MoneyHero Launches Project Odyssey to Drive AI-Driven Growth

On October 24, 2025, MoneyHero Limited announced the launch of Project Odyssey, a company-wide AI transformation initiative aimed at accelerating revenue growth and expanding operating margins through intelligent automation. This follows a strong financial performance in Q2 2025, with over 20% quarter-on-quarter revenue growth, positioning the company on track for positive Adjusted EBITDA by the end of 2025. As part of this initiative, MoneyHero has introduced the Car Insurance SaverBot Beta on WhatsApp in Singapore, designed to reduce customer friction and enhance insurance conversions. The company anticipates that these AI-driven innovations will significantly contribute to its growth strategy, particularly in the insurance vertical, and expects these efforts to drive measurable revenue impact through 2026.

The most recent analyst rating on (MNY) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on MoneyHero Limited stock, see the MNY Stock Forecast page.