MoneyHero Limited (MNY)
NASDAQ:MNY
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MoneyHero Limited
(NASDAQ:MNY)
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Rating:51Neutral
Price Target:
$1.00
▼(-23.08% Downside)
Action:Reiterated
Date:06/16/26
The score is held back primarily by weak financial performance (ongoing losses and negative free cash flow) and bearish technicals (below key moving averages with negative MACD). These are partially offset by a strong balance sheet (low leverage) and a materially improved operational trajectory highlighted on the earnings call, including Q4 profitability and positive 2026 adjusted EBITDA guidance.
Positive Factors
Debt-free balance sheet and cash runway
A debt-free balance sheet with $31.2M cash and positive net current assets provides durable financial flexibility. This reduces refinancing and solvency risk while funding AI rollouts and vertical expansion, giving the company runway to convert Q4 operational gains into sustained profitability.
Negative Factors
Persistent negative free cash flow
Negative operating and free cash flow across multiple years means the business still depends on external funding or existing cash reserves. Even with improved burn in 2025, ongoing outflows limit reinvestment capacity and raise execution risk if revenue or partner payments weaken long-term.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet and cash runway
A debt-free balance sheet with $31.2M cash and positive net current assets provides durable financial flexibility. This reduces refinancing and solvency risk while funding AI rollouts and vertical expansion, giving the company runway to convert Q4 operational gains into sustained profitability.
Read all positive factors
MoneyHero Limited (MNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$51.70M
Dividend YieldN/A
Average Volume (3M)106.50K
Price to Earnings (P/E)―
Beta (1Y)1.42
Revenue Growth-7.65%
EPS Growth87.30%
CountryUS
Employees286
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)-0.14
Shares Outstanding30,572,252
10 Day Avg. Volume71,817
30 Day Avg. Volume106,495
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 Cap0.73
Enterprise Value/Revenue0.51
Enterprise Value/Gross Profit1.17
Enterprise Value/Ebitda-7.53
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.03
Revenue Forecast (FY)$92.52M
MoneyHero Limited Business Overview & Revenue Model
Company Description
MoneyHero Limited, a personal finance firm, was established in 2014 and operates from its main office in Singapore....
How the Company Makes Money
MoneyHero primarily makes money by acting as a digital customer-acquisition and distribution partner for banks, insurers, and other financial product providers. Its main revenue stream is performance-based marketing/affiliate and referral income: ...
MoneyHero Limited Earnings Call Summary
Earnings Call Date:Apr 30, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Jun 24, 2026
Earnings Call Sentiment Positive
The call conveyed a clear positive shift in the company’s financial and operating profile: a Q4 profitability inflection, first positive adjusted EBITDA, meaningful cost and technology savings, strong AI-driven operational leverage, improved margins and a stronger cash position. These achievements were balanced by a full-year revenue decline (-8%) and remaining full-year losses (adjusted EBITDA loss of $6.4M; net loss $5.2M), increased geographic concentration in Singapore and Hong Kong, a leadership transition (interim CEO), and a restatement of historical operational metrics. Overall, the progress toward sustainable, capital-light, AI-enabled profitable growth is substantial and management provided constructive 2026 guidance, though execution and concentration risks remain.Positive Updates
Quarterly Profitability Turnaround
Q4 2025 net profit of $0.5M versus a net loss of $18.8M in Q4 2024; first-ever positive adjusted EBITDA of $0.7M. Sequential adjusted EBITDA improvement each quarter in 2025 (Q1 -$3.3M, Q2 -$2.0M, Q3 -$1.8M, Q4 +$0.7M) demonstrating execution toward profitability.
Negative Updates
Full-Year Revenue Decline
Full-year 2025 revenue fell 8% year-over-year to $73.4M. Management frames this as deliberate mix pruning (shedding low-margin volume) but it remains a top-line decline for the year.
Read all updates
Q4-2025 Updates
Positive
Negative
Quarterly Profitability Turnaround
Q4 2025 net profit of $0.5M versus a net loss of $18.8M in Q4 2024; first-ever positive adjusted EBITDA of $0.7M. Sequential adjusted EBITDA improvement each quarter in 2025 (Q1 -$3.3M, Q2 -$2.0M, Q3 -$1.8M, Q4 +$0.7M) demonstrating execution toward profitability.
Read all positive updates
Company Guidance
Guidance for 2026 emphasizes scaling profitable growth with AI-driven operating leverage: management expects full‑year 2026 adjusted EBITDA to exceed 2025, aims to raise 0‑touch resolution to ~60% (from December 2025’s 47% fully resolved and AI already touching up to 70% of service queries), anticipates no outsized CapEx as AI-funded savings drive innovation, and plans continued expansion of high‑margin insurance and wealth verticals. Key 2025 baselines to watch: Q4 revenue $20.0M (+27% YoY) and full‑year revenue $73.4M (‑8% YoY); Q4 adjusted EBITDA $0.7M and net profit $0.5M (full‑year adjusted EBITDA loss narrowed 73% to $6.4M and net loss narrowed 86% to $5.2M); cost of revenue improved to 51% ($37.3M, down 19%), tech costs $3.0M for the year (‑59%, Q4 $0.4M, ‑71%), total operating expenses ex‑FX $84.2M (‑27% YoY, Q4 $21.4M, ‑15%), employee benefits $16.2M for the year (‑33%, Q4 $4.0M, ‑32%), marketing $17.3M (‑20% YoY), cash $31.2M (debt‑free; up $3.3M sequentially), approved applications grew 12% in Q4 to 190,000, and Q4 geographic/product mix highlights include Singapore $7.9M (+56%) and Hong Kong $9.4M (+27%) (together 86% of Q4 revenue), Taiwan $1.2M, Philippines $1.5M, and insurance+wealth $5.9M in Q4 (+31%, ~30% of Q4 revenue; FY wealth $10.1M +19%, FY insurance $9.1M +11%, together 26% of FY revenue).MoneyHero Limited Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
62
Positive
Cash Flow
21
Negative
| Breakdown | Mar 2026 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 73.43M | 79.51M | 80.67M | 68.13M | 61.88M |
| Gross Profit | 36.14M | 29.29M | 36.74M | -38.87K | 32.00M |
| EBITDA | -4.07M | -33.61M | -146.35M | -37.11M | -25.37M |
| Net Income | -5.18M | -37.79M | -172.60M | -49.44M | -30.93M |
Balance Sheet | |||||
| Total Assets | 76.65M | 79.78M | 115.05M | 64.25M | 596.16M |
| Cash, Cash Equivalents and Short-Term Investments | 31.37M | 42.71M | 68.64M | 24.08M | 156.13K |
| Total Debt | 941.96K | 736.00K | 606.06K | 9.53M | 800.00K |
| Total Liabilities | 37.23M | 31.55M | 35.96M | 48.43M | 45.32M |
| Stockholders Equity | 39.41M | 48.23M | 79.08M | 15.82M | 550.84M |
Cash Flow | |||||
| Free Cash Flow | -10.37M | -26.62M | -19.26M | -19.60M | -19.83M |
| Operating Cash Flow | -10.25M | -24.89M | -17.04M | -14.61M | -14.39M |
| Investing Cash Flow | -258.32K | -256.82K | -1.34M | -4.98M | -5.48M |
| Financing Cash Flow | -724.60K | -721.73K | 63.06M | 34.79M | 11.58M |
MoneyHero Limited Technical Analysis
Negative
1.30
Price Trends
1.32
Negative
1.33
Negative
1.36
Negative
Market Momentum
-0.04
Positive
34.56
Neutral
31.57
Neutral
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 1.3 is above the 20-day moving average (MA) of 1.29, below the 50-day MA of 1.32, and below the 200-day MA of 1.36, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 34.56 is Neutral, neither overbought nor oversold. The STOCH value of 31.57 is Neutral, 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 | $39.08M | -34.28 | -4.53% | ― | 6.14% | 35.52% | |
66 Neutral | $112.70M | -27.41 | -26.67% | ― | 20.86% | 37.40% | |
62 Neutral | $119.99M | -9.82 | -8.83% | ― | 0.60% | ― | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% | |
58 Neutral | $63.44M | 12.04 | 18.73% | ― | -37.04% | ― | |
51 Neutral | $51.70M | -9.98 | -12.51% | ― | -7.65% | 87.30% | |
46 Neutral | $56.46M | -0.94 | -99.42% | ― | 3.13% | -550.90% |
* Communication Services Sector Average
MNY
MoneyHero Limited
1.18
0.48
68.43%
SCOR
comScore
7.95
3.11
64.26%
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2.99
-0.93
-23.78%
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8.76
5.09
138.69%
BZFD
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1.50
-0.53
-26.11%
PODC
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4.10
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MoneyHero Limited Corporate Events
MoneyHero to Unveil First-Quarter 2026 Results on June 24
Jun 10, 2026
MoneyHero Limited, a Nasdaq-listed fintech platform, leverages AI and data intelligence to help consumers discover and compare personal finance products across insurance and banking in key Asian markets. The group’s portfolio spans several B...
MoneyHero Group Director Rohith Murthy Resigns as Board Marks Governance Shift
May 29, 2026
MoneyHero Group, a fintech platform specializing in AI-driven personal finance comparison and digital insurance brokerage across markets including Singapore, Hong Kong, Taiwan and the Philippines, reported over 300 commercial partners and about 5....
MoneyHero Revamps Board Leadership With New Chairman and Director
May 22, 2026
MoneyHero Limited, a Nasdaq-listed fintech platform focused on personal finance aggregation and digital insurance brokerage in Greater Southeast Asia, operates consumer brands including MoneyHero, SingSaver, Money101, Moneymax and Seedly, alongsid...
MoneyHero Posts First Profitable Quarter as Cost Cuts and AI Drive 2025 Turnaround
Apr 30, 2026
MoneyHero Group reported on April 30, 2026 that it achieved its first profitable quarter as a listed company in the three months ended December 31, 2025, posting Q4 net profit of US$0.5 million and an Adjusted EBITDA gain of US$0.7 million. Fourth...
MoneyHero to Report Q4 and Full-Year 2025 Results on April 30
Apr 16, 2026
MoneyHero Limited, a Nasdaq-listed fintech company, operates AI-powered platforms that help consumers compare and select financial products such as insurance and banking offerings across Singapore, Hong Kong, Taiwan and the Philippines. Its portfo...
MoneyHero Names CFO Danny Leung as Interim CEO in April 2026 Leadership Shake-Up
Apr 2, 2026
On 2 April 2026, MoneyHero Limited announced a leadership shake-up in which Chief Financial Officer Danny Leung was appointed Interim Chief Executive Officer, succeeding outgoing CEO Rohith Murthy, who remains on the board as a director. The board...
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.