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MoneyHero Limited (MNY)
NASDAQ:MNY
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MoneyHero Limited
(NASDAQ:MNY)
Rating:58Neutral
Price Target:
$2.00
▲(18.34% Upside)
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$72.58M
Dividend YieldN/A
Average Volume (3M)171.42K
Price to Earnings (P/E)―
Beta (1Y)1.73
Revenue Growth4.11%
EPS Growth78.58%
CountryUS
Employees286
SectorCommunication Services
Sector Strength96
IndustryInternet Content & Information
Share Statistics
EPS (TTM)N/A
Shares Outstanding29,949,192
10 Day Avg. Volume143,000
30 Day Avg. Volume171,422
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap-0.03
Enterprise Value/Revenue-0.03
Enterprise Value/Gross Profit-0.07
Enterprise Value/Ebitda0.06
Forecast
1Y Price Target
$4.00Price Target Upside136.69% 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: |
Next Earnings Date:Sep 19, 2025
Earnings Call Sentiment Neutral
The earnings call reflects a strategic pivot towards profitability and efficiency, with substantial improvements in operational costs and diversification into higher-margin verticals. However, the significant revenue decline and challenges in the Philippines market are notable concerns.Q1-2025 Updates
Positive Updates
Achievement of Improved Profitability
MoneyHero Group is on track to achieve positive adjusted EBITDA in the latter half of 2025, showing a narrowed adjusted EBITDA loss of $2.9 million in Q4 2024 and continued improvement in Q1 2025.
Diversification into High-Margin Verticals
Revenue from wealth and insurance verticals increased to approximately 25% of total revenue in Q1 2025, marking an 11 percentage point increase year-over-year.
Operational Efficiency Gains
Operating expenses declined by 26% year-over-year in Q1, driven by reductions in paid marketing, technology spend, employee costs, and general and administrative expenses.
Strong Cash Position
MoneyHero maintains a strong cash position with $36.6 million on hand and no debt, positioning the company well for strategic investments.
Successful Launch of Car Insurance Platform
Partnership with bolttech in Hong Kong and Singapore led to the launch of an end-to-end car insurance purchase journey, resulting in higher conversion rates and a new revenue stream.
Negative Updates
Revenue Decline
Top-line revenue declined by 35% year-over-year to $14.3 million in Q1 2025, attributed to a strategic pivot away from aggressive marketing spend.
Credit Card Revenue Drop
The contribution of credit cards to total revenue decreased to 57% in Q1 2025, down from over 70% in previous years.
Challenges in the Philippines
Operations in the Philippines faced headwinds due to a major banking partner exiting the market, though recovery efforts are underway.
Company Guidance
In the MoneyHero Group's first quarter 2025 earnings call, the company provided robust guidance focused on profitability and revenue diversification. MoneyHero is on track to achieve positive adjusted EBITDA in the latter part of 2025, with a goal of reaching $100 million in revenue for the full year. The company has successfully narrowed its net loss and adjusted EBITDA loss, with Q1 reflecting a strategic pivot to emphasize higher-margin verticals like wealth and insurance, which now constitute approximately 25% of total revenue, up from 14% year-over-year. Personal loans accounted for 17% of revenue, while insurance contributed 13%, both showing significant growth. The credit card segment remains the largest revenue driver at 57%, down from over 70% in previous years, indicating successful diversification. Operational efficiency has been enhanced through an AI-first strategy, resulting in a 26% reduction in employee-related costs. MoneyHero is leveraging strategic partnerships, such as with bolttech for car insurance and TransUnion for the upcoming Credit Hero Club, to enhance user experience and capitalize on growth opportunities. With $36.6 million in cash and no debt, the company is well-positioned for disciplined capital allocation, focusing on sustainable growth and improving shareholder value.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
1.69
Price Trends
1.60
Positive
1.18
Positive
1.09
Positive
Market Momentum
0.03
Positive
45.38
Neutral
15.76
Positive
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 1.69 is below the 20-day moving average (MA) of 1.84, above the 50-day MA of 1.60, and above the 200-day MA of 1.09, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 45.38 is Neutral, neither overbought nor oversold. The STOCH value of 15.76 is Positive, 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 (60)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
60 Neutral | $46.29B | 4.07 | -13.11% | 4.12% | 1.85% | -42.71% | |
58 Neutral | $32.85M | ― | -33.83% | ― | -0.06% | -87.64% | |
58 Neutral | $40.62M | ― | -6.29% | ― | 1.27% | 78.96% | |
58 Neutral | $72.58M | ― | -48.12% | ― | 4.11% | 78.58% | |
54 Neutral | $61.57M | ― | -22.39% | ― | 12.49% | -30.99% | |
52 Neutral | $40.71M | ― | -133.94% | ― | -31.96% | 56.06% | |
48 Neutral | $31.43M | ― | -5.32% | ― | 5.72% | -39.22% |
* Communication Services Sector Average
Performance Comparison
MNY
MoneyHero Limited
1.69
0.65
62.50%
SCOR
comScore
6.41
-0.26
-3.90%
FENG
Phoenix New Media
2.31
-0.30
-11.49%
IZEA
IZEA Worldwide
3.57
1.43
66.82%
ZDGE
Zedge
3.04
0.03
1.00%
BODI
Beachbody Company
5.77
-0.41
-6.63%
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.