MoneyHero Limited (MNY) AI Stock Analysis

• Market Cap: $48.82M
• Dividend Yield: N/A
• Average Volume (3M): 391.55K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.85
• Revenue Growth: -22.90%
• EPS Growth: 88.91%
• Country: US
• Employees: 286
• Sector: Communication Services
• Sector Strength: 97
• Industry: Internet Content & Information
• EPS (TTM): 0.00
• Shares Outstanding: 29,949,192
• 10 Day Avg. Volume: 161,329
• 30 Day Avg. Volume: 391,554
• 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: 0.04
• Enterprise Value/Revenue: 0.03
• Enterprise Value/Gross Profit: 0.06
• Enterprise Value/Ebitda: -0.13
• 1Y Price Target: $4.00
• Price Target Upside: 205.34% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 47 Neutral
• Price Target: $1.00 ▼(-23.66% Downside)

MoneyHero Limited's overall stock score is primarily impacted by its financial performance challenges, including negative profitability and cash flow. While the earnings call provided positive guidance and strategic improvements, the technical analysis and valuation remain weak, reflecting ongoing operational and market challenges.

MoneyHero Limited Business Overview & Revenue Model

Company Description

MoneyHero Limited (MNY) is a leading financial services platform based in Hong Kong, specializing in providing consumers with a comprehensive suite of financial products and services. The company operates in the fintech sector, offering tools for users to compare and select various financial products, including personal loans, credit cards, insurance policies, and savings accounts. Through its user-friendly platform, MoneyHero aims to empower consumers to make informed financial decisions and optimize their financial well-being.

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 decent equity base and low debt levels, the company struggles with operational inefficiencies and needs to 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.

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	69.00M	79.51M	80.67M	68.13M	61.88M	0.00
Gross Profit	31.21M	29.29M	36.74M	-38.87K	32.00M	0.00
EBITDA	-13.19M	-33.61M	-146.35M	-37.11M	-25.37M	-90.42M
Net Income	-15.27M	-37.79M	-172.60M	-49.44M	-30.93M	-90.42M
Balance Sheet
Total Assets	77.42M	79.78M	115.05M	64.25M	596.16M	597.06M
Cash, Cash Equivalents and Short-Term Investments	30.17M	42.71M	68.64M	24.08M	156.13K	1.50M
Total Debt	903.00K	736.00K	606.06K	9.53M	800.00K	300.00K
Total Liabilities	34.49M	31.55M	35.96M	48.43M	45.32M	135.26M
Stockholders Equity	42.93M	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: Neutral
• Last Price: 1.31
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 1.31 is below the 20-day moving average (MA) of 1.32, below the 50-day MA of 1.62, and above the 200-day MA of 1.15, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 45.80 is Neutral, neither overbought nor oversold. The STOCH value of 54.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	58 Neutral	$44.37M	-25.06	-6.29%	―	1.27%	78.96%
PODC	52 Neutral	$50.45M	―	-38.57%	―	17.74%	65.18%
SCOR	52 Neutral	$35.71M	-0.42	-33.83%	―	-0.06%	-87.64%
MNY	47 Neutral	$48.82M	―	-29.56%	―	-22.90%	88.91%
BZFD	44 Neutral	$61.48M	―	―	―	―	―
BODI	43 Neutral	$36.61M	―	-133.94%	―	-31.96%	56.06%

MoneyHero Limited Corporate Events

MoneyHero Limited Promotes Danny Leung to CFO Amidst Profitable Growth

On October 3, 2025, MoneyHero Limited announced the promotion of Danny Leung to Chief Financial Officer, effective October 1, 2025. Leung, who had been serving as interim CFO since December 15, 2024, has been instrumental in driving the company’s focus on sustainable profitable growth. His leadership has been pivotal in improving revenue quality and expanding gross margins, aligning with MoneyHero’s goal of achieving Adjusted EBITDA profitability by the end of 2025. This appointment follows MoneyHero’s first quarterly net profit reported in Q2 2025 and sequential revenue growth in Q1 and Q2, highlighting the company’s successful transformation strategy.

MoneyHero Limited Reports Profitable Q2 2025 with Strategic Revenue Shift

MoneyHero Limited announced its financial results for the second quarter of 2025, highlighting a significant turnaround with a net income of $0.2 million compared to a net loss of $12.2 million in the same period last year. The company achieved a 79% improvement in adjusted EBITDA loss, driven by a stronger revenue mix, AI-driven efficiency gains, and a growing partnership ecosystem. Revenue from higher-margin insurance and wealth products increased, contributing to 27% of total revenue, while cost optimization efforts led to a 34% reduction in the cost of revenue. The company’s strategic focus on higher-margin verticals and disciplined cost management positions it for sustainable profitability and long-term growth.

MoneyHero Limited to Release Q2 2025 Financial Results on September 19

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.