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MoneyHero Limited
(NASDAQ:MNY)
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Rating:47Neutral
Price Target:
$0.95
▼(-26.92% Downside)
Action:Reiterated
Date:06/25/26
The score is held down mainly by weak financial performance (ongoing losses and negative free cash flow) and bearish technicals (price below major moving averages with negative MACD). Offsetting this, the latest earnings call indicates meaningful operational progress toward profitability (improving adjusted EBITDA, higher-margin mix, and cost leverage) and the balance sheet leverage remains very low.
Positive Factors
Market leadership in core markets
Heavy concentration in Hong Kong and Singapore reflects a strong, defensible position in two high-value markets where MoneyHero has scale, partnerships and distribution density. That entrenched footprint supports durable lead flow and monetization versus nascent competitors over the coming 2–6 months.
Negative Factors
Persistent negative cash flow
Despite narrowing losses, ongoing negative operating and free cash flow mean MoneyHero remains dependent on existing cash reserves or external capital if improvements stall. Prolonged cash burn can constrain product investment, slow expansion, or force dilutive financing if adjusted EBITDA recovery is delayed.
Read all positive and negative factors
Positive Factors
Negative Factors
Market leadership in core markets
Heavy concentration in Hong Kong and Singapore reflects a strong, defensible position in two high-value markets where MoneyHero has scale, partnerships and distribution density. That entrenched footprint supports durable lead flow and monetization versus nascent competitors over the coming 2–6 months.
Read all positive factors
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$40.32M
Dividend YieldN/A
Average Volume (3M)106.50K
Price to Earnings (P/E)―
Beta (1Y)1.54
Revenue Growth5.55%
EPS Growth67.29%
CountryUS
Employees286
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)-0.14
Shares Outstanding30,572,252
10 Day Avg. Volume71,817
30 Day Avg. Volume106,495
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.37
Price to Sales (P/S)0.73
P/FCF Ratio-5.20
Enterprise Value/Market Cap0.93
Enterprise Value/Revenue0.51
Enterprise Value/Gross Profit1.17
Enterprise Value/Ebitda-8.84
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.03
Revenue Forecast (FY)$92.52M
MoneyHero Limited Business Overview & Revenue Model
Company Description
MoneyHero Limited, a personal finance firm, was established in 2014 and operates from its main office in Singapore....
How the Company Makes Money
MoneyHero primarily makes money by acting as a digital customer-acquisition and distribution partner for banks, insurers, and other financial product providers. Its main revenue stream is performance-based marketing/affiliate and referral income: ...
MoneyHero Limited Earnings Call Summary
Earnings Call Date:Jun 24, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Sep 18, 2026
Earnings Call Sentiment Positive
Overall the call communicated meaningful operational progress: double-digit organic revenue growth, strong expansion in higher-margin verticals (wealth and insurance), significant cost reductions, AI-driven productivity gains, and a strengthened balance sheet. Key concerns are a wider statutory net loss driven by non-cash and one-time items, top-of-funnel traffic declines in secondary markets (intentional strategic pullbacks), and concentration risk with ~85% of revenue from Hong Kong and Singapore. Management frames traffic declines as deliberate quality-focused optimization and highlighted a clear path to sustainable profitability (adjusted EBITDA nearly breakeven) supported by $28M cash and a debt-free balance sheet.Positive Updates
Double-digit Group Revenue Growth
Total revenue of $16.5M in Q1 2026, up 15% year-over-year, driven by disciplined monetization and higher-margin mix.
Negative Updates
Widening Statutory Net Loss
Statutory net loss widened to $6.7M in Q1 2026 from $2.4M prior year. The increase was driven by non-cash and one-time items including a $1.1M fair value warrant adjustment, $2.4M unrealized FX loss, and ~$1.6M in non-recurring legal/professional fees.
Read all updates
Q1-2026 Updates
Positive
Negative
Double-digit Group Revenue Growth
Total revenue of $16.5M in Q1 2026, up 15% year-over-year, driven by disciplined monetization and higher-margin mix.
Read all positive updates
Company Guidance
Management's guidance for 2026 is to prioritize profitable scaling and push to sustainable positive adjusted EBITDA by shifting mix toward higher‑margin wealth and insurance (combined $4.7M, +31% YoY; wealth $2.5M, +53%; insurance $2.1M, +12%, now >28% of group revenue vs 25% a year ago) while maintaining double‑digit top‑line growth (Q1 revenue $16.5M, +15% YoY). The plan leans on AI-driven cost leverage—tech/employee/marketing costs fell 13% to $8.5M, ~90% of new code is AI‑generated, and AI handles up to 70% of frontline inquiries—plus improved unit economics (approval rate 36%→48%, approved applications 156,000, members 9.8M, +24%) and tighter marketing (applications 434k→329k; clicks 2.1M→1.4M; Philippines marketing cut 57% to ≈$400k). Management expects to fund the group‑wide AI rollout and insurance initiatives from a debt‑free balance sheet with $28M cash and $32.8M net current assets, remain disciplined on M&A, and continue driving adjusted EBITDA from a Q1 loss of $1.1M (down 68% YoY) toward breakeven despite a statutory net loss of $6.7M that included a $1.1M warrant fair‑value adj, $2.4M unrealized FX loss and $1.6M one‑time fees.MoneyHero Limited Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
62
Positive
Cash Flow
21
Negative
| Breakdown | Mar 2026 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 73.43M | 79.51M | 80.67M | 68.13M | 61.88M |
| Gross Profit | 36.14M | 29.29M | 36.74M | -38.87K | 32.00M |
| EBITDA | -4.07M | -33.61M | -146.35M | -37.11M | -25.37M |
| Net Income | -5.18M | -37.79M | -172.60M | -49.44M | -30.93M |
Balance Sheet | |||||
| Total Assets | 76.65M | 79.78M | 115.05M | 64.25M | 596.16M |
| Cash, Cash Equivalents and Short-Term Investments | 31.37M | 42.71M | 68.64M | 24.08M | 156.13K |
| Total Debt | 941.96K | 736.00K | 606.06K | 9.53M | 800.00K |
| Total Liabilities | 37.23M | 31.55M | 35.96M | 48.43M | 45.32M |
| Stockholders Equity | 39.41M | 48.23M | 79.08M | 15.82M | 550.84M |
Cash Flow | |||||
| Free Cash Flow | -10.37M | -26.62M | -19.26M | -19.60M | -19.83M |
| Operating Cash Flow | -10.25M | -24.89M | -17.04M | -14.61M | -14.39M |
| Investing Cash Flow | -258.32K | -256.82K | -1.34M | -4.98M | -5.48M |
| Financing Cash Flow | -724.60K | -721.73K | 63.06M | 34.79M | 11.58M |
MoneyHero Limited Technical Analysis
Negative
1.30
Price Trends
1.24
Negative
1.30
Negative
1.31
Negative
Market Momentum
-0.11
Positive
29.82
Positive
25.93
Neutral
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 1.3 is above the 20-day moving average (MA) of 1.08, above the 50-day MA of 1.24, and below the 200-day MA of 1.31, indicating a bearish trend. The MACD of -0.11 indicates Positive momentum. The RSI at 29.82 is Positive, neither overbought nor oversold. The STOCH value of 25.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | $40.64M | -33.48 | -4.53% | ― | 6.14% | 35.52% | |
62 Neutral | $123.27M | -39.83 | -26.67% | ― | 18.33% | 59.23% | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% | |
58 Neutral | $73.36M | 13.94 | 18.73% | ― | -37.04% | ― | |
58 Neutral | $109.58M | 1.41 | -8.83% | ― | 0.60% | ― | |
49 Neutral | $58.84M | -1.01 | -99.42% | ― | 3.13% | -550.90% | |
47 Neutral | $40.32M | -3.90 | -12.51% | ― | 5.55% | 67.29% |
* Communication Services Sector Average
MNY
MoneyHero Limited
0.91
-0.11
-10.78%
SCOR
comScore
6.90
1.88
37.45%
ZDGE
Zedge
3.01
-0.92
-23.33%
BODI
Beachbody Company
10.04
6.09
154.18%
BZFD
BuzzFeed
1.61
-0.41
-20.30%
PODC
Courtside Group Inc
4.11
1.99
93.87%
MoneyHero Limited Corporate Events
MoneyHero Delivers Double-Digit Q1 2026 Growth as AI-Driven Cost Cuts Narrow Losses
Jun 24, 2026
On June 24, 2026, MoneyHero Group reported unaudited results for the quarter ended March 31, 2026, showing revenue up 15% year over year to US$16.5 million, led by its core Hong Kong and Singapore markets and a 31% uplift in higher-margin wealth a...
MoneyHero to Unveil First-Quarter 2026 Results on June 24
Jun 10, 2026
MoneyHero Limited, a Nasdaq-listed fintech platform, leverages AI and data intelligence to help consumers discover and compare personal finance products across insurance and banking in key Asian markets. The group’s portfolio spans several B...
MoneyHero Group Director Rohith Murthy Resigns as Board Marks Governance Shift
May 29, 2026
MoneyHero Group, a fintech platform specializing in AI-driven personal finance comparison and digital insurance brokerage across markets including Singapore, Hong Kong, Taiwan and the Philippines, reported over 300 commercial partners and about 5....
MoneyHero Revamps Board Leadership With New Chairman and Director
May 22, 2026
MoneyHero Limited, a Nasdaq-listed fintech platform focused on personal finance aggregation and digital insurance brokerage in Greater Southeast Asia, operates consumer brands including MoneyHero, SingSaver, Money101, Moneymax and Seedly, alongsid...
MoneyHero Posts First Profitable Quarter as Cost Cuts and AI Drive 2025 Turnaround
Apr 30, 2026
MoneyHero Group reported on April 30, 2026 that it achieved its first profitable quarter as a listed company in the three months ended December 31, 2025, posting Q4 net profit of US$0.5 million and an Adjusted EBITDA gain of US$0.7 million. Fourth...
MoneyHero to Report Q4 and Full-Year 2025 Results on April 30
Apr 16, 2026
MoneyHero Limited, a Nasdaq-listed fintech company, operates AI-powered platforms that help consumers compare and select financial products such as insurance and banking offerings across Singapore, Hong Kong, Taiwan and the Philippines. Its portfo...
MoneyHero Names CFO Danny Leung as Interim CEO in April 2026 Leadership Shake-Up
Apr 2, 2026
On 2 April 2026, MoneyHero Limited announced a leadership shake-up in which Chief Financial Officer Danny Leung was appointed Interim Chief Executive Officer, succeeding outgoing CEO Rohith Murthy, who remains on the board as a director. The board...
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.