Comprehensive Stock Comparison
Compare MoneyHero Limited Class A Ordinary Shares (MNY) vs Upexi, Inc. (UPXI) 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 | MNY | -1.4% revenue growth vs UPXI's -39.2% |
| Quality / Margins | MNY | -22.1% net margin vs UPXI's -496.9% |
| Stability / Safety | MNY | Beta 1.24 vs UPXI's 2.24, lower leverage |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | MNY | +62.9% vs UPXI's -79.3% |
| Efficiency (ROA) | MNY | -19.7% ROA vs UPXI's -45.3%, ROIC -344.7% vs -14.0% |
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.
Upexi is an e-commerce company that sells branded consumer products across health, wellness, pet, and beauty categories through online marketplaces. It generates revenue primarily from direct-to-consumer sales through Amazon and other digital platforms, supplemented by its own e-commerce websites. The company's competitive advantage lies in its data-driven approach to identifying trending products and its multi-brand portfolio strategy that diversifies risk across consumer segments.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
MNY leads in 5 of 6 categories — strongest in Financial Metrics and Valuation Metrics.
Financial Metrics (TTM)
MNY is the larger business by revenue, generating $69M annually — 2.8x UPXI's $25M. Profitability is closely matched — net margins range from -22.1% (MNY) to -5.0% (UPXI). On growth, UPXI holds the edge at +101.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | MNYMoneyHero Limited… | UPXIUpexi, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $69M | $25M |
| EBITDAEarnings before interest/tax | -$7M | -$116M |
| Net IncomeAfter-tax profit | -$15M | -$123M |
| Free Cash FlowCash after capex | $0 | -$18M |
| Gross MarginGross profit ÷ Revenue | +45.2% | +80.7% |
| Operating MarginEBIT ÷ Revenue | -12.4% | -4.7% |
| Net MarginNet income ÷ Revenue | -22.1% | -5.0% |
| FCF MarginFCF ÷ Revenue | -33.5% | -71.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | -12.8% | +101.0% |
| EPS Growth (YoY)Latest quarter vs prior year | +101.6% | -137.1% |
Valuation Metrics
| Metric | MNYMoneyHero Limited… | UPXIUpexi, Inc. |
|---|---|---|
| Market CapShares × price | $43M | $42M |
| Enterprise ValueMkt cap + debt − cash | $813,591 | $67M |
| Trailing P/EPrice ÷ TTM EPS | -1.58x | -0.38x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 0.54x | 2.65x |
| Price / BookPrice ÷ Book value/share | 1.23x | 0.06x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
MNY delivers a -35.6% return on equity — every $100 of shareholder capital generates $-36 in annual profit, vs $-3 for UPXI. MNY carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to UPXI's 0.31x. On the Piotroski fundamental quality scale (0–9), UPXI scores 5/9 vs MNY's 3/9, reflecting solid financial health.
| Metric | MNYMoneyHero Limited… | UPXIUpexi, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | -35.6% | -2.5% |
| ROA (TTM)Return on assets | -19.7% | -45.3% |
| ROICReturn on invested capital | -3.4% | -14.0% |
| ROCEReturn on capital employed | -62.8% | -24.5% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 |
| Debt / EquityFinancial leverage | 0.02x | 0.31x |
| Net DebtTotal debt minus cash | -$42M | $25M |
| Cash & Equiv.Liquid assets | $43M | $3M |
| Total DebtShort + long-term debt | $736,000 | $28M |
| Interest CoverageEBIT ÷ Interest expense | -402.20x | -10.65x |
Total Returns (with DRIP)
A $10,000 investment in MNY five years ago would be worth $2,142 today (with dividends reinvested), compared to $59 for UPXI. Over the past 12 months, MNY leads with a +62.9% total return vs UPXI's -79.3%. The 3-year compound annual growth rate (CAGR) favors MNY at -40.2% vs UPXI's -80.9% — a key indicator of consistent wealth creation.
| Metric | MNYMoneyHero Limited… | UPXIUpexi, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +13.6% | -65.3% |
| 1-Year ReturnPast 12 months | +62.9% | -79.3% |
| 3-Year ReturnCumulative with dividends | -78.6% | -99.3% |
| 5-Year ReturnCumulative with dividends | -78.6% | -99.4% |
| 10-Year ReturnCumulative with dividends | -78.6% | -99.4% |
| CAGR (3Y)Annualised 3-year return | -40.2% | -80.9% |
Risk & Volatility
MNY is the less volatile stock with a 1.24 beta — it tends to amplify market swings less than UPXI's 2.24 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MNY currently trades 59.2% from its 52-week high vs UPXI's 2.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MNYMoneyHero Limited… | UPXIUpexi, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.24x | 2.24x |
| 52-Week HighHighest price in past year | $2.40 | $22.57 |
| 52-Week LowLowest price in past year | $0.55 | $0.54 |
| % of 52W HighCurrent price vs 52-week peak | +59.2% | +2.9% |
| RSI (14)Momentum oscillator 0–100 | 65.5 | 32.9 |
| Avg Volume (50D)Average daily shares traded | 39K | 3.5M |
Analyst Outlook
| Metric | MNYMoneyHero Limited… | UPXIUpexi, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
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% |
| Upexi, Inc. (UPXI) | 100 | 7.86 | -92.1% |
MoneyHero Limited C… (MNY) returned -79% over 5 years vs Upexi, Inc. (UPXI)'s -99%.
Chart 2Revenue Growth — 10 Years
| Stock | 2019 | 2025 | Change |
|---|---|---|---|
| MoneyHero Limited C… (MNY) | $0.00 | $80M | — |
| Upexi, Inc. (UPXI) | $2M | $16M | +616.1% |
Upexi, Inc.'s revenue grew from $2M (2019) to $16M (2025) — a 38.8% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2019 | 2025 | Change |
|---|---|---|---|
| MoneyHero Limited C… (MNY) | -50.0% | -47.5% | +4.9% |
| Upexi, Inc. (UPXI) | -26.6% | -86.5% | -225.5% |
Upexi, Inc.'s net margin went from -27% (2019) to -87% (2025).
Chart 4EPS Growth — 10 Years
| Stock | 2019 | 2025 | Change |
|---|---|---|---|
| MoneyHero Limited C… (MNY) | -1.22 | -0.9 | +26.2% |
| Upexi, Inc. (UPXI) | -0.04 | -1.73 | -4203.5% |
Upexi, Inc.'s EPS grew from $-0.04 (2019) to $-1.73 (2025).
Chart 5Free Cash Flow — 5 Years
MoneyHero Limited Class A Ordinary Shares generated $-27M FCF in 2024 (-34% vs 2021). Upexi, Inc. generated $-9M FCF in 2025 (-681% vs 2021).
MNY vs UPXI: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Which is the better long-term investment — MNY or UPXI?
Over the past 5 years, MoneyHero Limited Class A Ordinary Shares (MNY) delivered a total return of -78.6%, compared to -99.4% for Upexi, Inc. (UPXI). A $10,000 investment in MNY five years ago would be worth approximately $2K today (assuming dividends reinvested). Over 10 years, the gap is even starker: MNY returned -78.6% versus UPXI's -99.4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
02Which is safer — MNY or UPXI?
By beta (market sensitivity over 5 years), MoneyHero Limited Class A Ordinary Shares (MNY) is the lower-risk stock at 1.24β versus Upexi, Inc.'s 2.24β — meaning UPXI is approximately 81% 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 31% for Upexi, Inc. — giving it more financial flexibility in a downturn.
03Which has better profit margins — MNY or UPXI?
MoneyHero Limited Class A Ordinary Shares (MNY) is the more profitable company, earning -47.5% net margin versus -86.5% for Upexi, Inc. — meaning it keeps -47.5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MNY leads at -50.5% versus -79.1% for UPXI. At the gross margin level — before operating expenses — UPXI leads at 68.7%, 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.
04Which pays a better dividend — MNY or UPXI?
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.
05Is MNY or UPXI 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)). Upexi, Inc. (UPXI) carries a higher beta of 2.24 — 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%, UPXI: -99.4%), 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.
06What are the main differences between MNY and UPXI?
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 > 50%
- Gross Margin > 48%