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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
$37.76M
Dividend YieldN/A
Average Volume (3M)140.42K
Price to Earnings (P/E)―
Beta (1Y)1.32
Revenue Growth345.36%
EPS Growth-650.95%
CountryUS
Employees286
SectorCommunication Services
Sector Strength87
IndustryInternet Content & Information
Share Statistics
EPS (TTM)N/A
Shares Outstanding29,949,192
10 Day Avg. Volume110,113
30 Day Avg. Volume140,423
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)15.60
Price to Sales (P/S)0.00
P/FCF Ratio-12.59
Enterprise Value/Market Cap6.55
Enterprise Value/Revenue1.37
Enterprise Value/Gross Profit10.47
Enterprise Value/Ebitda-3.28
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 (MNY) is a financial technology company specializing in providing innovative personal finance solutions. The company operates within the fintech sector, offering a range of digital tools and services designed to help individuals manage their financial health. MoneyHero Limited focuses on simplifying financial decision-making through its core products, which include budgeting applications, credit score monitoring, and personalized financial advice.
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 Earnings Call Summary
Earnings Call Date:Jun 13, 2025
(Q1-2025)
| % Change Since: 27.16%|
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 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 | 63.79M | 80.67M | 68.13M | 61.88M | 0.00 |
| Gross Profit | 23.64M | 36.74M | 34.25M | 32.00M | 0.00 |
| EBITDA | -18.41M | -87.44M | -37.11M | -25.37M | -238.20K |
| Net Income | -19.60M | -172.60M | -49.44M | -30.93M | -90.42M |
Balance Sheet | |||||
| Total Assets | 91.00M | 115.05M | 64.25M | 596.16M | 597.06M |
| Cash, Cash Equivalents and Short-Term Investments | 47.66M | 70.11M | 24.08M | 156.13K | 1.50M |
| Total Debt | 241.00K | 606.06K | 9.53M | 800.00K | 300.00K |
| Total Liabilities | 34.33M | 35.96M | 48.43M | 45.32M | 135.26M |
| Stockholders Equity | 56.67M | 79.08M | 15.82M | 550.84M | 461.80M |
Cash Flow | |||||
| Free Cash Flow | 0.00 | -19.26M | -19.60M | -19.83M | -32.55K |
| Operating Cash Flow | 0.00 | -17.04M | -14.61M | -14.39M | -32.55K |
| Investing Cash Flow | 0.00 | -1.34M | -4.98M | -5.48M | -594.99M |
| Financing Cash Flow | 0.00 | 63.06M | 34.79M | 11.58M | 596.53M |
MoneyHero Limited Technical Analysis
Positive
1.03
Price Trends
0.77
Positive
0.80
Positive
0.96
Positive
Market Momentum
0.02
Negative
74.63
Negative
72.74
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 1.03 is above the 20-day moving average (MA) of 0.79, above the 50-day MA of 0.77, and above the 200-day MA of 0.96, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 74.63 is Negative, neither overbought nor oversold. The STOCH value of 72.74 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
Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $761.56M | 18.36 | 9.35% | ― | 2.24% | -57.33% | |
69 Neutral | $44.86B | 79.37 | -47.82% | ― | 14.72% | 21.81% | |
61 Neutral | $41.01B | -0.64 | -14.21% | 3.80% | 2.39% | -73.52% | |
59 Neutral | $129.19M | ― | 3.19% | ― | 17.04% | 74.07% | |
56 Neutral | $37.76M | ― | -48.12% | ― | 345.36% | -650.95% | |
56 Neutral | $30.65B | 68.51 | 0.45% | ― | 24.58% | -88.86% | |
55 Neutral | $524.49M | ― | -46.84% | ― | 51.96% | 60.33% |
* Communication Services Sector Average
Performance Comparison
MNY
MoneyHero Limited
1.03
-0.81
-44.02%
EHTH
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4.26
-0.14
-3.18%
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1,842.78
291.23
18.77%
TREE
Lendingtree
38.75
-2.42
-5.88%
CARS
Cars
12.34
-6.59
-34.81%
RKT
Rocket Companies
14.57
1.39
10.55%
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.