Comprehensive Stock Comparison
Compare MoneyHero Limited Class A Ordinary Shares (MNY) vs Twilio Inc. (TWLO) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | TWLO | 13.7% revenue growth vs MNY's -1.4% |
| Quality / Margins | TWLO | 0.7% net margin vs MNY's -22.1% |
| Stability / Safety | MNY | Beta 1.24 vs TWLO's 1.56, lower leverage |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | MNY | +62.9% vs TWLO's +0.9% |
| Efficiency (ROA) | TWLO | 0.3% ROA vs MNY's -19.7%, ROIC 1.5% vs -344.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
MoneyHero is a digital personal finance platform that helps consumers compare and apply for financial products like credit cards, loans, and insurance across Southeast Asia. It generates revenue primarily through performance-based marketing fees — earning commissions when users successfully apply for products through its platform — supplemented by advertising and lead generation services. Its key advantage is its established brand recognition and extensive network of financial institution partnerships across multiple Southeast Asian markets.
Twilio is a cloud communications platform that enables developers to embed voice, messaging, video, and email capabilities into their applications through APIs. It generates revenue primarily from usage-based fees for its communication services — messaging (~60% of revenue), voice (~20%), and email/other services — with developers paying per message, minute, or email sent. Its key advantage is its developer-first platform with comprehensive APIs that create switching costs and network effects as more applications build on its infrastructure.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
TWLO leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). MNY leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
TWLO is the larger business by revenue, generating $5.1B annually — 73.4x MNY's $69M. TWLO is the more profitable business, keeping 0.7% of every revenue dollar as net income compared to MNY's -22.1%. On growth, TWLO holds the edge at +14.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | MNYMoneyHero Limited… | TWLOTwilio Inc. |
|---|---|---|
| RevenueTrailing 12 months | $69M | $5.1B |
| EBITDAEarnings before interest/tax | -$7M | $380M |
| Net IncomeAfter-tax profit | -$15M | $34M |
| Free Cash FlowCash after capex | $0 | $1.1B |
| Gross MarginGross profit ÷ Revenue | +45.2% | +49.0% |
| Operating MarginEBIT ÷ Revenue | -12.4% | +3.2% |
| Net MarginNet income ÷ Revenue | -22.1% | +0.7% |
| FCF MarginFCF ÷ Revenue | -33.5% | +21.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | -12.8% | +14.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +101.6% | -2.8% |
Valuation Metrics
| Metric | MNYMoneyHero Limited… | TWLOTwilio Inc. |
|---|---|---|
| Market CapShares × price | $43M | $18.3B |
| Enterprise ValueMkt cap + debt − cash | $813,591 | $18.8B |
| Trailing P/EPrice ÷ TTM EPS | -1.58x | 576.00x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 22.30x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 47.92x |
| Price / SalesMarket cap ÷ Revenue | 0.54x | 3.62x |
| Price / BookPrice ÷ Book value/share | 1.23x | 2.47x |
| Price / FCFMarket cap ÷ FCF | — | 17.75x |
Profitability & Efficiency
TWLO delivers a 0.4% return on equity — every $100 of shareholder capital generates $0 in annual profit, vs $-36 for MNY. MNY carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to TWLO's 0.15x. On the Piotroski fundamental quality scale (0–9), TWLO scores 6/9 vs MNY's 3/9, reflecting solid financial health.
| Metric | MNYMoneyHero Limited… | TWLOTwilio Inc. |
|---|---|---|
| ROE (TTM)Return on equity | -35.6% | +0.4% |
| ROA (TTM)Return on assets | -19.7% | +0.3% |
| ROICReturn on invested capital | -3.4% | +1.5% |
| ROCEReturn on capital employed | -62.8% | +1.9% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 6 |
| Debt / EquityFinancial leverage | 0.02x | 0.15x |
| Net DebtTotal debt minus cash | -$42M | $453M |
| Cash & Equiv.Liquid assets | $43M | $682M |
| Total DebtShort + long-term debt | $736,000 | $1.1B |
| Interest CoverageEBIT ÷ Interest expense | -402.20x | — |
Total Returns (with DRIP)
A $10,000 investment in TWLO five years ago would be worth $2,909 today (with dividends reinvested), compared to $2,142 for MNY. Over the past 12 months, MNY leads with a +62.9% total return vs TWLO's +0.9%. The 3-year compound annual growth rate (CAGR) favors TWLO at 21.6% vs MNY's -40.2% — a key indicator of consistent wealth creation.
| Metric | MNYMoneyHero Limited… | TWLOTwilio Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +13.6% | -12.6% |
| 1-Year ReturnPast 12 months | +62.9% | +0.9% |
| 3-Year ReturnCumulative with dividends | -78.6% | +80.0% |
| 5-Year ReturnCumulative with dividends | -78.6% | -70.9% |
| 10-Year ReturnCumulative with dividends | -78.6% | +320.1% |
| CAGR (3Y)Annualised 3-year return | -40.2% | +21.6% |
Risk & Volatility
MNY is the less volatile stock with a 1.24 beta — it tends to amplify market swings less than TWLO's 1.56 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TWLO currently trades 82.9% from its 52-week high vs MNY's 59.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MNYMoneyHero Limited… | TWLOTwilio Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.24x | 1.56x |
| 52-Week HighHighest price in past year | $2.40 | $145.90 |
| 52-Week LowLowest price in past year | $0.55 | $77.51 |
| % of 52W HighCurrent price vs 52-week peak | +59.2% | +82.9% |
| RSI (14)Momentum oscillator 0–100 | 65.5 | 52.2 |
| Avg Volume (50D)Average daily shares traded | 39K | 2.2M |
Analyst Outlook
| Metric | MNYMoneyHero Limited… | TWLOTwilio Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $141.75 |
| # AnalystsCovering analysts | — | 52 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +4.7% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Oct 23 | Feb 26 | Change |
|---|---|---|---|
| MoneyHero Limited C… (MNY) | 100 | 18.17 | -81.8% |
| Twilio Inc. (TWLO) | 100 | 237.67 | +137.7% |
Twilio Inc. (TWLO) returned -71% over 5 years vs MoneyHero Limited C… (MNY)'s -79%.
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| MoneyHero Limited C… (MNY) | $0.00 | $80M | — |
| Twilio Inc. (TWLO) | $277M | $5.1B | +1727.1% |
Twilio Inc.'s revenue grew from $277M (2016) to $5.1B (2025) — a 38.1% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| MoneyHero Limited C… (MNY) | -50.0% | -47.5% | +4.9% |
| Twilio Inc. (TWLO) | -14.9% | 0.7% | +104.5% |
Twilio Inc.'s net margin went from -15% (2016) to 1% (2025).
Chart 4EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| MoneyHero Limited C… (MNY) | -1.22 | -0.9 | +26.2% |
| Twilio Inc. (TWLO) | -0.47 | 0.21 | +144.7% |
Twilio Inc.'s EPS grew from $-0.47 (2016) to $0.21 (2025).
Chart 5Free Cash Flow — 5 Years
MoneyHero Limited Class A Ordinary Shares generated $-27M FCF in 2024 (-34% vs 2021). Twilio Inc. generated $1B FCF in 2025 (+797% vs 2021).
MNY vs TWLO: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is MNY or TWLO a better buy right now?
Twilio Inc. (TWLO) offers the better valuation at 576.0x trailing P/E (22.3x forward), making it the more compelling value choice. Analysts rate Twilio Inc. (TWLO) a "Buy" — based on 52 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — MNY or TWLO?
Over the past 5 years, Twilio Inc. (TWLO) delivered a total return of -70.9%, compared to -78.6% for MoneyHero Limited Class A Ordinary Shares (MNY). A $10,000 investment in TWLO five years ago would be worth approximately $3K today (assuming dividends reinvested). Over 10 years, the gap is even starker: TWLO returned +320.1% versus MNY's -78.6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — MNY or TWLO?
By beta (market sensitivity over 5 years), MoneyHero Limited Class A Ordinary Shares (MNY) is the lower-risk stock at 1.24β versus Twilio Inc.'s 1.56β — meaning TWLO is approximately 26% more volatile than MNY relative to the S&P 500. On balance sheet safety, MoneyHero Limited Class A Ordinary Shares (MNY) carries a lower debt/equity ratio of 2% versus 15% for Twilio Inc. — giving it more financial flexibility in a downturn.
04Which has better profit margins — MNY or TWLO?
Twilio Inc. (TWLO) is the more profitable company, earning 0.7% net margin versus -47.5% for MoneyHero Limited Class A Ordinary Shares — meaning it keeps 0.7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TWLO leads at 3.4% versus -50.5% for MNY. At the gross margin level — before operating expenses — TWLO leads at 48.0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
05Which pays a better dividend — MNY or TWLO?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
06Is MNY or TWLO better for a retirement portfolio?
For long-horizon retirement investors, MoneyHero Limited Class A Ordinary Shares (MNY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.24)). Twilio Inc. (TWLO) carries a higher beta of 1.56 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (MNY: -78.6%, TWLO: +320.1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
07What are the main differences between MNY and TWLO?
Both stocks operate in the Communication Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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- Sector: Communication Services
- Market Cap > $100B
- Revenue Growth > 7%
- Gross Margin > 29%