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MoneyHero Limited (MNY)
NASDAQ:MNY
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MoneyHero Limited
(NASDAQ:MNY)
Rating:58Neutral
Price Target:
$2.00
▲(2.04%Upside)
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$84.68M
Dividend YieldN/A
Average Volume (3M)447.81K
Price to Earnings (P/E)―
Beta (1Y)1.53
Revenue Growth4.11%
EPS Growth78.58%
CountryUS
Employees286
SectorCommunication Services
Sector Strength83
IndustryInternet Content & Information
Share Statistics
EPS (TTM)N/A
Shares Outstanding29,949,192
10 Day Avg. Volume1,007,395
30 Day Avg. Volume447,815
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)1.23
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap0.21
Enterprise Value/Revenue0.08
Enterprise Value/Gross Profit0.55
Enterprise Value/Ebitda-0.19
Forecast
1Y Price Target
$4.00Price Target Upside104.08% 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:Jun 13, 2025
(Q1-2025)
| % Change Since: 141.98%|
Next Earnings Date:Sep 18, 2025
Earnings Call Sentiment Positive
The earnings call indicates a strategic shift towards sustainable, high-margin growth with significant improvements in cost management and gross margins. While revenue has declined due to a strategic pivot, the company is on a clear path to profitability with strong execution on new initiatives and partnerships.Q1-2025 Updates
Positive Updates
Significant Gross Margin Improvement
Gross margins improved substantially due to strategic initiatives, including a reduction in low ROI paid marketing and a focus on higher-margin verticals. The cost of revenue dropped by 55% year-over-year, accounting for just 44% of revenue.
Diversification Towards High-Margin Verticals
Revenue from wealth and insurance verticals increased to approximately 25% of total revenue in Q1, an increase of 11 percentage points year-over-year. This diversification supports the $100 million revenue target for 2025.
Reduction in Operating Expenses
Operating expenses declined 26% year-over-year, with specific reductions in employee costs and marketing spend. This is attributed to the adoption of AI-driven automation and strategic cost management.
Improved Net Loss and Adjusted EBITDA
Net loss narrowed sharply to $2.4 million from $13.1 million a year ago. Adjusted EBITDA loss improved significantly, underscoring a clear path towards sustainable profitability.
Successful Partnerships and Strategic Initiatives
Strategic partnerships, such as with bolttech for car insurance and TransUnion for the Credit Hero Club, have been launched to enhance user engagement and drive growth in high-margin segments.
Negative Updates
Decline in Overall Revenue
Revenue declined 35% year-over-year to $14.3 million due to a strategic pivot to reduce marketing spend and focus on higher-margin products.
Credit Card Revenue Decline
Credit card revenue, while still the largest revenue driver, decreased from over 70% to 57% of total revenue, reflecting a shift in focus towards other verticals.
Challenges in the Philippines Market
The exit of a major banking partner in the Philippines impacted revenue. Although new partnerships have been formed, performance improvement is expected only in the latter half of the year.
Company Guidance
During the MoneyHero Group's Q1 2025 earnings call, the company provided guidance indicating a strong focus on achieving profitability. They are on track to reach positive adjusted EBITDA in the latter half of 2025, marking a significant milestone in their transition to a self-sustaining, profitable growth trajectory. The company reported a narrowing adjusted EBITDA loss to $2.9 million in Q4 2024 and continued this momentum into Q1. MoneyHero is targeting $100 million in revenue for the full year 2025, driven by high-margin verticals such as insurance and wealth, which contributed 25% of Q1 revenue, up 11 percentage points year-over-year. The company also highlighted the strategic reduction in low ROI paid marketing, leading to improved gross margins. Operational efficiency gains have resulted in a 26% year-over-year reduction in employee-related costs, further supporting their profitability goals. Additionally, MoneyHero maintains a strong cash position with $36.6 million and no debt, allowing them flexibility in capital allocation and strategic opportunities.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
Positive
1.96
Price Trends
0.93
Positive
0.85
Positive
0.98
Positive
Market Momentum
0.26
Negative
80.07
Negative
88.30
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNY, the sentiment is Positive. The current price of 1.96 is above the 20-day moving average (MA) of 1.18, above the 50-day MA of 0.93, and above the 200-day MA of 0.98, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 80.07 is Negative, neither overbought nor oversold. The STOCH value of 88.30 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNY.
MoneyHero Limited Peers Comparison
Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $64.75M | ― | -6.29% | ― | 1.27% | 78.96% | |
62 Neutral | $41.97B | -1.66 | -12.07% | 3.33% | 2.07% | -69.32% | |
58 Neutral | $84.68M | ― | -48.12% | ― | 4.11% | 78.58% | |
56 Neutral | $69.23M | ― | -28.40% | ― | 7.16% | -90.90% | |
51 Neutral | $27.84M | ― | -4.89% | ― | 0.38% | 19.52% | |
50 Neutral | $29.56M | ― | -130.56% | ― | -26.11% | 57.68% | |
47 Neutral | $28.20M | ― | -29.17% | ― | -3.17% | 13.15% |
* Communication Services Sector Average
Performance Comparison
MNY
MoneyHero Limited
1.96
0.35
21.74%
SCOR
comScore
5.54
-8.58
-60.76%
FENG
Phoenix New Media
2.30
-1.03
-30.93%
IZEA
IZEA Worldwide
4.09
1.65
67.62%
ZDGE
Zedge
4.75
0.90
23.38%
BODI
Beachbody Company
4.69
-3.10
-39.79%
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.