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MoneyHero Limited
(NASDAQ:MNY)
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Rating:46Neutral
Price Target:
$0.66
▼(-24.37% Downside)
Action:Reiterated
Date:10/05/26
The score is held down primarily by weak financial performance (continued losses and negative free cash flow despite improvement) and bearish technicals (below key moving averages with negative MACD). The earnings call provides some support through improving EBITDA trends, strong liquidity/no debt, and identified growth catalysts, but valuation remains difficult to support with a negative P/E and no dividend yield provided.
Positive Factors
Debt-free balance sheet and liquidity
A debt-free balance sheet and substantial cash position give MoneyHero financial flexibility while it invests in product development and automation. This reduces refinancing pressure and provides a meaningful buffer as management works toward sustained profitability and internally funded growth.
Negative Factors
Persistent unprofitability and negative cash generation
Continued negative operating and free cash flow means MoneyHero has not yet demonstrated a self-sustaining financial model. Even with improved cash burn and no debt, ongoing outflows can consume reserves and constrain investment capacity if profitability does not become durable.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet and liquidity
A debt-free balance sheet and substantial cash position give MoneyHero financial flexibility while it invests in product development and automation. This reduces refinancing pressure and provides a meaningful buffer as management works toward sustained profitability and internally funded growth.
Read all positive factors
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$28.93M
Dividend YieldN/A
Average Volume (3M)27.42K
Price to Earnings (P/E)―
Beta (1Y)1.39
Revenue Growth6.32%
EPS Growth31.20%
CountryUS
Employees240
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)-0.27
Shares Outstanding30,572,252
10 Day Avg. Volume17,450
30 Day Avg. Volume27,419
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.37
Price to Sales (P/S)0.73
P/FCF Ratio-5.20
Enterprise Value/Market Cap0.36
Enterprise Value/Revenue0.14
Enterprise Value/Gross Profit0.45
Enterprise Value/Ebitda-1.75
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.12
Revenue Forecast (FY)$89.90M
MoneyHero Limited Business Overview & Revenue Model
Company Description
MoneyHero Limited operates a personal finance aggregation and comparison platform for banking, insurance, and other financial products. Its online financial comparison platform provides services for credit cards, personal loans, mortgages, wealth,...
How the Company Makes Money
MoneyHero primarily makes money by acting as a performance marketing and customer-acquisition partner for banks, insurers, and other financial product providers. Revenue is typically earned when a user who originates from MoneyHero’s websites comp...
MoneyHero Limited Earnings Call Summary
Earnings Call Date:Sep 11, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Dec 03, 2026
Earnings Call Sentiment Positive
The call was predominantly positive. Management highlighted improving adjusted and constant FX EBITDA losses, strong cost discipline, a debt-free balance sheet, higher transaction value, stronger approval rates, market-level profitability improvements, AI-driven efficiency initiatives, partner wins, and multiple product expansion opportunities. These positives were partly offset by lower reported quarterly revenue, softer application volumes, declines in credit card and quarterly insurance revenue, a foreign-exchange-driven net loss, and volume challenges in Singapore and Taiwan.Positive Updates
Improved EBITDA and Operating Discipline
Adjusted EBITDA loss narrowed 17% year-over-year to $1.6 million in the second quarter and 49% year-over-year to $2.7 million for the first half of 2026. Constant FX EBITDA loss narrowed 64% year-over-year to $900 thousand in the quarter, reflecting continued cost-of-revenue efficiency and lower operating spend.
Negative Updates
Quarterly Revenue Decline
Revenue was $15.8 million in the second quarter, down 13% year-over-year. Revenue for the first six months remained essentially flat year-over-year at $32.3 million.
Read all updates
Q2-2026 Updates
Positive
Negative
Improved EBITDA and Operating Discipline
Adjusted EBITDA loss narrowed 17% year-over-year to $1.6 million in the second quarter and 49% year-over-year to $2.7 million for the first half of 2026. Constant FX EBITDA loss narrowed 64% year-over-year to $900 thousand in the quarter, reflecting continued cost-of-revenue efficiency and lower operating spend.
Read all positive updates
Company Guidance
Looking ahead through the remainder of 2026, MoneyHero remains focused on translating structural efficiencies into continued full year adjusted EBITDA improvement, with second half catalysts including the home loan launch in Singapore, the rollout of its AI-assisted natural language search experience, the critical illness launched in Hong Kong during third quarter, the rebuilt member dashboard rollout to Hong Kong, and extension of its voucher management system to additional markets and reward types; the AI-assisted conversational experience and product-data work will roll out market by market within compliance and control frameworks in Q4 this year, while the online life insurance marketplace is expected to add critical illness in Q3, along with short term saving tax deductible medical, and personal accident insurance, and its 2026 run-rate is roughly to double that of last year; the company also plans to stabilize and reaccelerate volume in Singapore and review underlying volume in Taiwan on a more profitable basis, while serving its 10 million-plus members.MoneyHero Limited Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
62
Positive
Cash Flow
21
Negative
| Breakdown | TTM | Mar 2026 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 73.36M | 73.43M | 79.51M | 80.67M | 68.13M | 61.88M |
| Gross Profit | 23.16M | 36.14M | 29.29M | 36.74M | -38.87K | 32.00M |
| EBITDA | -5.99M | -4.07M | -33.61M | -146.35M | -37.11M | -25.37M |
| Net Income | -10.89M | -5.18M | -37.79M | -172.60M | -49.44M | -30.93M |
Balance Sheet | ||||||
| Total Assets | 68.00M | 76.65M | 79.78M | 115.05M | 64.25M | 596.16M |
| Cash, Cash Equivalents and Short-Term Investments | 28.16M | 31.37M | 42.71M | 68.64M | 24.08M | 156.13K |
| Total Debt | 558.00K | 941.96K | 736.00K | 606.06K | 9.53M | 800.00K |
| Total Liabilities | 33.52M | 37.23M | 31.55M | 35.96M | 48.43M | 45.32M |
| Stockholders Equity | 34.47M | 39.41M | 48.23M | 79.08M | 15.82M | 550.84M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -10.37M | -26.62M | -19.26M | -19.60M | -19.83M |
| Operating Cash Flow | 0.00 | -10.25M | -24.89M | -17.04M | -14.61M | -14.39M |
| Investing Cash Flow | 0.00 | -258.32K | -256.82K | -1.34M | -4.98M | -5.48M |
| Financing Cash Flow | 0.00 | -724.60K | -721.73K | 63.06M | 34.79M | 11.58M |
MoneyHero Limited Technical Analysis
Negative
0.87
Price Trends
0.82
Negative
0.96
Negative
1.14
Negative
Market Momentum
-0.05
Negative
29.49
Positive
8.03
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 0.87 is above the 20-day moving average (MA) of 0.71, above the 50-day MA of 0.82, and below the 200-day MA of 1.14, indicating a bearish trend. The MACD of -0.05 indicates Negative momentum. The RSI at 29.49 is Positive, neither overbought nor oversold. The STOCH value of 8.03 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
UnderperformOutperform
Sector (60)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $45.96M | -32.59 | -4.53% | 2.46% | 6.14% | 35.52% | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% | |
57 Neutral | $34.31M | 2.68 | 39.07% | ― | -32.49% | ― | |
57 Neutral | $65.04M | -19.63 | -16.51% | ― | 16.40% | 52.51% | |
50 Neutral | $61.19M | 0.61 | -9.29% | ― | -3.23% | ― | |
46 Neutral | $28.93M | -2.46 | -29.62% | ― | 6.32% | 31.20% | |
43 Neutral | $106.31M | -0.77 | -115.62% | ― | -5.48% | -660.53% |
* Communication Services Sector Average
MNY
MoneyHero Limited
0.67
-0.60
-47.32%
SCOR
comScore
3.93
-3.84
-49.42%
ZDGE
Zedge
2.93
-0.26
-8.27%
BODI
Beachbody Company
4.73
-0.67
-12.41%
BZFD
BuzzFeed
1.17
-0.49
-29.52%
PODC
Courtside Group Inc
2.09
0.45
27.44%
MoneyHero Limited Corporate Events
MoneyHero Posts Q2 2026 Loss But Strengthens Margins and Cash-Fueled Growth Strategy
Sep 11, 2026
MoneyHero Group reported unaudited second-quarter 2026 results on September 11, 2026, showing Q2 revenue of US$15.8 million, down 13% year-on-year, and first-half revenue flat at US$32.3 million amid a deliberate shift toward cash rewards that dep...
MoneyHero Group Sets Date for Second-Quarter 2026 Earnings Release
Aug 28, 2026
MoneyHero Limited, a tech- and AI-led personal finance comparison and digital insurance brokerage platform focused on Greater Southeast Asia, connects retail users with banking and insurance solutions across markets including Singapore, Hong Kong,...
MoneyHero Receives Nasdaq Minimum Bid Price Deficiency Notice, Given Until February 2027 to Regain Compliance
Aug 13, 2026
MoneyHero Limited, a Nasdaq-listed fintech firm, runs AI-driven comparison platforms that connect consumers with insurance and banking products across Singapore, Hong Kong, Taiwan and the Philippines. It operates multiple consumer brands and a B2B...
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.