Logo

MNY

MoneyHero Limited Class A Ordinary Shares

MNY

MoneyHero Limited Class A Ordinary Shares • NASDAQ
$1.31 ▼ -0.76% (-0.01)
Market Cap $56.66 M
52w High $2.40
52w Low $0.55
Dividend Yield 0%
P/E -3.54
Volume 11.21K
Outstanding Shares 43.25M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $18.022M ▲ $8.555M ▼ $216K ▲ 1.199% ▲ $0.005 ▲ $243K ▲
Q1-2025 $14.314M ▼ $10.991M ▼ $-2.449M ▲ -17.109% ▲ $-0.057 ▲ $-2.358M ▲
Q4-2024 $15.723M ▼ $21.726M ▲ $-18.756M ▼ -119.29% ▼ $-0.45 ▼ $-17.835M ▼
Q3-2024 $20.939M ▲ $5.041M ▼ $5.721M ▲ 27.322% ▲ $0.14 ▲ $6.842M ▲
Q2-2024 $20.674M $20.558M $-12.223M -59.123% $-0.3 $-11.146M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $30.173M ▼ $77.422M ▲ $34.49M ▲ $42.932M ▼
Q1-2025 $36.634M ▼ $76.531M ▼ $31.69M ▲ $44.841M ▼
Q4-2024 $42.707M ▼ $79.775M ▼ $31.548M ▼ $48.227M ▼
Q3-2024 $47.657M ▼ $90.998M ▼ $34.325M ▼ $56.673M ▼
Q2-2024 $56.497M $98.244M $37.858M $60.386M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $216K ▲ $0 $0 $0 $0 $0
Q1-2025 $-2.449M ▲ $0 $0 $0 $0 $0
Q4-2024 $-18.186M ▼ $0 $0 $0 $0 $0
Q3-2024 $5.721M ▲ $0 $0 $0 $0 $0
Q2-2024 $-12.223M $0 $0 $0 $0 $0

Five-Year Company Overview

Income Statement

Income Statement MoneyHero is still very much in a build‑out phase: revenue has been edging up each year from a low base, but the business has not yet moved close to profitability. Gross profit exists and suggests there is an underlying margin in the model, yet operating costs more than absorb it, keeping operating income and net income in the red. Losses widened sharply in the recent past and have only started to narrow a bit from that low point, so the track record shows volatility rather than a smooth improvement. Overall, the story here is early growth with persistent losses and a need to translate user and partner growth into operating leverage.

Balance Sheet

Balance Sheet The balance sheet is light and relatively simple, with a small asset base and very little financial debt. Cash now represents a meaningful share of total assets, which gives some flexibility but is not abundant given the ongoing losses. Equity has shrunk compared with a few years ago, suggesting prior cash burn and possibly write‑downs or restructuring, and the capital cushion is now thinner. In short, the company is not over‑levered, but it also does not have a lot of balance‑sheet strength to absorb extended periods of weak performance.

Cash Flow

Cash Flow Cash flow from operations has been consistently negative, showing that the business is not yet self‑funding and still relies on external capital or existing cash reserves. Free cash flow has also been negative each year, but the outflows are modest in size, helped by very low spending on long‑lived assets. This “asset‑light but cash‑consuming” pattern is typical of online platforms in growth mode. The key risk is duration: if losses persist for too long without a clear path to scale benefits, the company could face pressure to raise funds or cut back on growth initiatives.

Competitive Edge

Competitive Edge MoneyHero operates in a favorable niche as a leading personal finance comparison platform in several Southeast Asian markets, with millions of users and hundreds of financial partners. Its localized brands and country‑specific platforms create a strong fit with local regulations and consumer habits, which can be hard for global generic competitors to match. The network of many financial partners on one side and a large audience of users on the other creates a reinforcing loop that strengthens its position over time. However, the broader fintech and comparison space is very competitive, and maintaining this edge will depend on execution quality, user trust, and continued product differentiation rather than scale alone.

Innovation and R&D

Innovation and R&D The company is leaning heavily into AI and partnerships as its core innovation strategy. Project Odyssey and tools like the AI insurance chatbot and three‑click insurance purchase flow show a focus on making complex financial decisions feel simple and fast, which can materially lift conversion rates. MoneyHero is also willing to “buy rather than build” technology when that speeds time to market, as seen with InsureMO and other partners, keeping its platform modern without huge in‑house development costs. Expansion into areas like digital assets, end‑to‑end insurance journeys, and B2B solutions (through Creatory) suggests an ambition to become a broader financial ecosystem rather than just a comparison site, though these bets also add execution risk.

Summary

MoneyHero combines a promising strategic position in a growing fintech region with a financial profile that still reflects an early‑stage, loss‑making platform. Revenue is climbing from a small base, but costs remain high and profits are not yet in sight, leaving the business dependent on its limited cash cushion. On the positive side, the company has minimal debt, an asset‑light model, and a clear plan centered on AI, user experience, and higher‑margin products like insurance and wealth management. The main questions ahead are whether its innovation and network advantages can translate into sustained operating leverage and positive cash flow before balance‑sheet flexibility becomes constrained, and how well it can defend its niche in a crowded, fast‑moving fintech landscape.

NEWS

November 21, 2025 · 6:00 AM UTC

MoneyHero Group to Announce Third Quarter 2025 Results

Read more

November 19, 2025 · 9:00 PM UTC

MoneyHero and Coinbase Jointly Publish Pulse of Crypto — Singapore 2025 Survey Report

Read more

October 29, 2025 · 11:20 PM UTC

MoneyHero Officially Launches Credit Hero Club in Hong Kong, Powered by TransUnion

Read more

October 20, 2025 · 10:00 PM UTC

The 6th Annual Seedly Personal Finance Festival Rallies Over 3,800 Singaporeans to Offer Insights into Economic Volatility

Read more

October 3, 2025 · 6:00 AM UTC

MoneyHero Appoints Danny Leung as Chief Financial Officer to Drive Next Phase of Profitable Growth

Read more