MoneyHero Limited (MNY) AI Stock Analysis

MoneyHero Limited, headquartered in Singapore, operates online personal finance comparison platforms and related consumer services. Established in 2014, the company offers comparison tools under brands including Money Hero, SingSaver, Money101, MoneyMax, CompareHero, Seedly, and Creatory. Its platforms operate across Singapore, Hong Kong, Taiwan, the Philippines, Malaysia, and Thailand. MoneyHero facilitates consumer financial decisions by offering comparisons of credit cards, personal loans, insurance plans, and investment options, aiming to enhance financial literacy and transparency through technology-driven solutions across key Asian markets.

Between FY2021 and FY2025, MoneyHero's revenue increased from $61.9M to $73.4M, representing a 4-year CAGR of 4.4%. Revenue peaked at $80.7M in FY2023 before contracting by 1.4% in FY2024 and 7.7% in FY2025. The company's net margin improved from -214.0% in FY2023 to -7.1% in FY2025, as net income reached -$5.2M compared to -$172.6M in FY2023. Gross margin rebounded to 49.2% in FY2025 from 36.8% in FY2024. For the trailing twelve months ended June 30, 2026, revenue stood at $73.4M with an operating margin of -15.5%, while quarterly revenue declined 12.6% year-over-year.

As of June 30, 2026, MoneyHero held $28.2M in cash and short-term investments against $558,000 in total debt, resulting in a net cash position of $27.6M. The company had a current ratio of 1.98 and a debt-to-equity ratio of 0.02, supported by $34.5M in shareholders' equity. Operating cash flow in FY2025 was -$10.2M, with free cash flow at -$10.4M. Capital expenditures totaled $122,640 during FY2025, while the share count decreased 46.1% over a 5-year period.

MoneyHero trades at a forward P/E of 7.1x, below the 14.1x median of its US-listed Communication Services peers. Its price-to-sales multiple is 0.4x compared to the peer median of 0.8x, and its enterprise value is $3.7M. Over the past year, MoneyHero's stock fell 45.4%, underperforming the S&P 500 (SPY), which gained 16.8%. Over a 5-year period, the stock dropped 93.8% while the S&P 500 advanced 83.0%. MoneyHero closed at $0.61 on October 16, 2026, positioned 45.7% below its 200-day average.

Wall Street coverage includes 1 analyst with a Strong Buy rating. The mean price target is $2.25, representing an upside of 267.6% above the last close of $0.61. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $72.5M and an EPS of -$0.17. For the next fiscal year, the analyst forecasts revenue of $85.2M and positive EPS of $0.03. MoneyHero has beaten EPS estimates in 1 of the last 4 quarters, and its next earnings date is December 4, 2026.

This page is an AI-written research summary of MoneyHero Limited (MNY). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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