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MoneyHero Limited (MNY)
NASDAQ:MNY
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MoneyHero Limited
(NASDAQ:MNY)
Rating:56Neutral
Price Target:―
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$31.11M
Dividend YieldN/A
Average Volume (3M)47.37K
Price to Earnings (P/E)―
Beta (1Y)1.34
Revenue Growth345.36%
EPS Growth-650.95%
CountryUS
Employees366
SectorCommunication Services
Sector Strength81
IndustryInternet Content & Information
Share Statistics
EPS (TTM)-0.94
Shares Outstanding29,949,192
10 Day Avg. Volume26,099
30 Day Avg. Volume47,365
Financial Highlights & Ratios
PEG Ratio-0.03
Price to Book (P/B)0.57
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
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 subscription fees for its premium services and products. Users can access basic features for free, but advanced tools such as detailed financial analytics, personalized financial coaching, and premium credit monitoring require a subscription. Additionally, the company earns money through partnerships with financial institutions and banks, earning commissions or referral fees for directing customers to their financial products, such as credit cards or loans. Advertising revenue from targeted financial product promotions within their app and website also contributes to the company's earnings.
MoneyHero Limited Financial Statement Overview
Summary
MoneyHero Limited demonstrates promising revenue growth and maintains a strong equity position. However, significant profitability challenges, such as negative EBIT and net profit margins, and reliance on financing for cash flow are concerns. Improvement in operational cash flow and addressing operating losses are crucial for future stability.Income Statement
Revenue has grown steadily over the years, showing a 18.4% increase from 2022 to 2023. However, the company is facing profitability challenges, with a negative EBIT margin of -37.2% and a net profit margin of -213.9% for 2023. The gross profit margin remains relatively healthy at 45.5%, indicating some efficiency in operations. Despite revenue growth, the company needs to address high operating losses to improve financial health.55
Neutral
Balance Sheet
The company maintains a low debt-to-equity ratio of 0.01, indicating minimal leverage. The equity ratio is strong at 68.7%, reflecting a solid equity base. However, there is a significant decrease in stockholders' equity from 2021 to 2023, which could pose future risks. The improvement in cash and short-term investments from 2022 to 2023 is a positive sign for liquidity.60
Neutral
Cash Flow
Operating cash flow remains negative, highlighting challenges in generating cash from operations. The free cash flow has slightly improved but is still negative. The company has shown improvement in managing capital expenditures. However, the reliance on financing cash flows indicates a need for operational cash flow improvement.50
Neutral
| Breakdown | ||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 52.47M | 80.67M | 68.13M | 61.88M | 0.00 | Gross Profit |
| 26.91M | 36.74M | 34.25M | 32.00M | 0.00 | EBIT |
| -19.93M | -30.03M | -40.97M | -29.23M | -238.20K | EBITDA |
| -18.51M | -87.44M | -37.11M | -25.37M | -238.20K | Net Income Common Stockholders |
| -22.36M | -172.60M | -49.44M | -30.93M | -90.42M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 156.13K | 68.64M | 24.08M | 156.13K | 1.50M | Total Assets |
| 596.16M | 115.05M | 64.25M | 596.16M | 597.06M | Total Debt |
| 800.00K | 606.06K | 9.53M | 800.00K | 300.00K | Net Debt |
| 643.87K | -68.03M | -14.55M | 643.87K | -1.20M | Total Liabilities |
| 45.32M | 35.96M | 48.43M | 45.32M | 135.26M | Stockholders Equity |
| 550.84M | 79.08M | 15.82M | 550.84M | 461.80M |
| Cash Flow | Free Cash Flow | |||
| -2.09M | -19.26M | -19.60M | -19.83M | -32.55K | Operating Cash Flow |
| -2.09M | -17.04M | -14.61M | -14.39M | -32.55K | Investing Cash Flow |
| 448.14M | -1.34M | -4.98M | -5.48M | -594.99M | Financing Cash Flow |
| -446.38M | 63.06M | 34.79M | 11.58M | 596.53M |
MoneyHero Limited Technical Analysis
Negative
0.72
Price Trends
0.76
Negative
0.89
Negative
1.02
Negative
Market Momentum
-0.01
Positive
44.01
Neutral
18.48
Positive
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 0.72 is below the 20-day moving average (MA) of 0.76, below the 50-day MA of 0.76, and below the 200-day MA of 1.02, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 44.01 is Neutral, neither overbought nor oversold. The STOCH value of 18.48 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
61 Neutral | $47.22M | ― | -28.40% | ― | 7.16% | -90.90% | |
60 Neutral | $14.06B | 6.51 | -3.76% | 3.69% | 2.48% | -35.40% | |
56 Neutral | $31.11M | ― | -60.26% | ― | 345.36% | -650.95% | |
54 Neutral | $31.76M | ― | -6.60% | ― | 4.26% | 88.30% | |
46 Neutral | $24.75M | ― | -29.17% | ― | -3.17% | 13.15% | |
41 Neutral | $25.82M | ― | -4.89% | ― | 0.38% | 19.52% | |
40 Underperform | $27.60M | ― | -130.56% | ― | -26.11% | 57.68% |
* Communication Services Sector Average
Performance Comparison
MNY
MoneyHero Limited
0.72
-1.49
-67.42%
SCOR
comScore
4.76
-8.88
-65.10%
FENG
Phoenix New Media
2.22
0.39
21.31%
IZEA
IZEA Worldwide
2.81
0.06
2.18%
ZDGE
Zedge
2.17
-0.38
-14.90%
BODI
Beachbody Company
3.77
-4.76
-55.80%
MoneyHero Limited Earnings Call Summary
Earnings Call Date:Apr 29, 2025
(Q4-2024)
| % Change Since: -8.86%|
Next Earnings Date:Jun 30, 2025
Earnings Call Sentiment Neutral
The earnings call presented a mixed picture with significant improvements in adjusted EBITDA, gross margin, and growth in high-margin verticals such as insurance and wealth products. However, total revenue declined considerably year-over-year, and the company still reported a substantial net loss. The company’s strategic shift towards higher-margin products is yielding results, but the overall financial health is still challenged by declining total revenue.Q4-2024 Updates
Positive Updates
Improvement in Adjusted EBITDA
Adjusted EBITDA loss during the quarter improved substantially to $2.9 million from losses of $6.4 million in Q1, $9.3 million in Q2, and $5 million in Q3.
Gross Margin Expansion
Gross margin expanded by 25 percentage points year-over-year.
Increase in Registered Members
Registered members reached 7.5 million, up 42% year-over-year.
Insurance Revenue Growth
Insurance revenue grew by 40% to $8.2 million in 2024, now accounting for a double-digit share of total revenue.
Wealth Revenue Surge
Wealth revenue surged by 138% to $8.5 million in 2024, driven by deepening banking relationships and robust demand for investment products.
Cost Reduction and Efficiency
Operating expenses decreased with employee-related expenses decreasing by approximately 45% year-over-year.
Strong Cash Position
The company maintains a debt-free balance sheet with $42.5 million in cash.
Negative Updates
Total Revenue Decline
Total revenue during the quarter fell by 40% year-over-year to $15.7 million, driven mainly by a shift in focus on diversifying revenue mix and the high base effect set during the same period last year.
Net Loss
Net loss narrowed to $18.8 million from $94.3 million during the same period last year, but it still represents a significant loss.
Company Guidance
During the call, MoneyHero provided guidance highlighting their strategic focus on improving profitability and revenue quality. The company reported an adjusted EBITDA loss of $2.9 million in Q4 2024, a significant improvement from previous quarters, with losses of $6.4 million in Q1, $9.3 million in Q2, and $5 million in Q3. Gross margin expanded by 25 percentage points year-over-year, and net loss narrowed to $18.8 million from $94.3 million the previous year. Registered members grew by 42% to 7.5 million, while approved applications increased by 21% year-over-year to 767,000. MoneyHero aims to achieve $100 million in revenue in 2025 and a positive adjusted EBITDA in the second half of the year. The company is focusing on high-margin verticals like insurance, which grew by 40% to $8.2 million, and wealth products, which surged by 138% to $8.5 million. Additionally, MoneyHero is leveraging AI and automation to enhance operational efficiency and reduce costs, with a current cash position of $42.5 million and no debt, positioning them well for future growth.Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.