MoneyHero Limited (MNY)
NASDAQ:MNY
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MoneyHero Limited
(NASDAQ:MNY)
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Rating:49Neutral
Price Target:
$1.50
▲(15.38% Upside)
Action:ReiteratedDate:12/06/25
MoneyHero Limited's overall stock score of 49 reflects significant challenges in financial performance, with persistent losses and negative cash flows weighing heavily. A neutral technical outlook and speculative valuation add to the risk profile. However, positive earnings call guidance, including expected Q4 profitability and operational improvements, provides a glimmer of hope for future recovery.
Positive Factors
AI-Driven Efficiency
AI-driven efficiencies from Project Odyssey enhance operational performance, reduce costs, and improve customer experience, supporting long-term profitability.
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.
Read all positive and negative factors
Positive Factors
Negative Factors
AI-Driven Efficiency
AI-driven efficiencies from Project Odyssey enhance operational performance, reduce costs, and improve customer experience, supporting long-term profitability.
Read all positive factors
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$59.11M
Dividend YieldN/A
Average Volume (3M)106.50K
Price to Earnings (P/E)―
Beta (1Y)1.57
Revenue Growth-23.29%
EPS Growth80.29%
CountryUS
Employees286
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)-0.10
Shares Outstanding30,533,953
10 Day Avg. Volume71,817
30 Day Avg. Volume106,495
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.97
Price to Sales (P/S)0.59
P/FCF Ratio-1.76
Enterprise Value/Market Cap0.53
Enterprise Value/Revenue0.46
Enterprise Value/Gross Profit1.16
Enterprise Value/Ebitda-1.25
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 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 ba...
MoneyHero Limited Earnings Call Summary
Earnings Call Date:Dec 05, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:May 04, 2026
Earnings Call Sentiment Positive
The earnings call highlighted significant progress in operational efficiency, cost reductions, and revenue mix improvements, setting the company on a path to profitability. However, challenges remain in achieving substantial year-over-year revenue growth and market recovery in certain regions.Positive Updates
Sequential Revenue Growth
Q3 delivered $21.1 million in revenue, up 17% quarter-on-quarter and 1% year-on-year, marking the second consecutive quarter of double-digit sequential revenue growth.
Negative Updates
Flat Year-over-Year Revenue Growth
Despite sequential growth, year-over-year revenue growth was only 1%, indicating challenges in expanding beyond previous levels.
Read all updates
Q3-2025 Updates
Positive
Negative
Sequential Revenue Growth
Q3 delivered $21.1 million in revenue, up 17% quarter-on-quarter and 1% year-on-year, marking the second consecutive quarter of double-digit sequential revenue growth.
Read all positive updates
Company Guidance
During the MoneyHero Group's Third Quarter 2025 Earnings Conference Call, the company provided optimistic guidance, emphasizing a strategic reset to enhance profitability. MoneyHero reported a 17% quarter-on-quarter revenue growth to $21.1 million, with adjusted EBITDA loss improving 68% year-on-year to negative $1.8 million. The revenue mix showcased a 13% year-on-year increase in insurance and a 5% increase in wealth, contributing 23% of the total revenue. Operating costs were reduced by 13% year-on-year, reflecting efficiencies from Project Odyssey, which automates over 60% of service interactions. The company expects Q4 to be its first profitable quarter on an adjusted EBITDA basis since listing, forecasting sustainable growth through AI-driven efficiencies and strategic investments in high-margin verticals like insurance and wealth.MoneyHero Limited Financial Statement Overview
Summary
Income Statement
25
Negative
Balance Sheet
60
Neutral
Cash Flow
30
Negative
| Breakdown | TTM | Dec 2024 | Mar 2024 | 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
Positive
1.30
Price Trends
1.35
Positive
1.32
Positive
1.42
Negative
Market Momentum
-0.02
Positive
50.69
Neutral
61.15
Neutral
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 1.3 is below the 20-day moving average (MA) of 1.35, below the 50-day MA of 1.35, and below the 200-day MA of 1.42, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 50.69 is Neutral, neither overbought nor oversold. The STOCH value of 61.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
64 Neutral | $37.95M | -4.41 | -7.19% | ― | -1.29% | 86.87% | |
61 Neutral | $62.47M | -107.86 | -26.67% | ― | 20.01% | 27.28% | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% | |
59 Neutral | $112.38M | 2.99 | -7.21% | ― | 0.77% | 74.60% | |
51 Neutral | $74.67M | -25.25 | -175.73% | ― | -37.41% | 60.58% | |
49 Neutral | $59.11M | -3.58 | -56.10% | ― | -23.29% | 80.29% | |
42 Neutral | $23.20M | -0.61 | -76.93% | ― | ― | ― |
* Communication Services Sector Average
MNY
MoneyHero Limited
1.35
0.61
82.43%
SCOR
comScore
7.48
1.85
32.86%
ZDGE
Zedge
2.91
1.03
54.95%
BODI
Beachbody Company
10.40
5.50
112.24%
BZFD
BuzzFeed
0.62
-1.09
-63.98%
PODC
Courtside Group Inc
2.30
0.33
16.75%
MoneyHero Limited Corporate Events
MoneyHero Limited Appoints Deloitte as New Auditor Amid Internal Control Concerns
Dec 5, 2025
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...
MoneyHero Limited Reports Strong Q3 2025 Financial Performance
Dec 5, 2025
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-y...
MoneyHero Limited to Release Q3 2025 Financial Results
Nov 21, 2025
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 prov...
MoneyHero Limited Reports Q2 2025 Profitability and Strategic AI Initiatives
Oct 30, 2025
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 2...
MoneyHero Launches Project Odyssey to Drive AI-Driven Growth
Oct 24, 2025
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 ...
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.