Comprehensive Stock Comparison
Compare Lottery.com Inc. (SEGG) vs MoneyHero Limited Class A Ordinary Shares (MNY) 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 SEGG's -84.8% |
| Quality / Margins | MNY | -22.1% net margin vs SEGG's -23.1% |
| Stability / Safety | SEGG | Beta 0.93 vs MNY's 1.24 |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | MNY | +62.9% vs SEGG's -92.8% |
| Efficiency (ROA) | MNY | -19.7% ROA vs SEGG's -28.4%, ROIC -344.7% vs -38.5% |
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
Lottery.com operates a digital platform that enables users to remotely purchase legally sanctioned lottery tickets online. It generates revenue primarily through commissions on ticket sales — typically taking a percentage of each transaction — and may also earn from advertising or other platform services. Its key advantage is being an early mover in the digital lottery space with established partnerships with state and international lottery operators.
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.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
MNY leads in 4 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 1 category is tied.
Financial Metrics (TTM)
MNY is the larger business by revenue, generating $69M annually — 76.5x SEGG's $902,106. Profitability is closely matched — net margins range from -22.1% (MNY) to -23.1% (SEGG). On growth, MNY holds the edge at -12.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SEGGLottery.com Inc. | MNYMoneyHero Limited… |
|---|---|---|
| RevenueTrailing 12 months | $902,106 | $69M |
| EBITDAEarnings before interest/tax | -$9M | -$7M |
| Net IncomeAfter-tax profit | -$21M | -$15M |
| Free Cash FlowCash after capex | -$13M | $0 |
| Gross MarginGross profit ÷ Revenue | +29.3% | +45.2% |
| Operating MarginEBIT ÷ Revenue | -16.7% | -12.4% |
| Net MarginNet income ÷ Revenue | -23.1% | -22.1% |
| FCF MarginFCF ÷ Revenue | -14.3% | -33.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | -31.4% | -12.8% |
| EPS Growth (YoY)Latest quarter vs prior year | +91.9% | +101.6% |
Valuation Metrics
| Metric | SEGGLottery.com Inc. | MNYMoneyHero Limited… |
|---|---|---|
| Market CapShares × price | $4M | $43M |
| Enterprise ValueMkt cap + debt − cash | $10M | $813,591 |
| Trailing P/EPrice ÷ TTM EPS | -0.03x | -1.58x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 4.18x | 0.54x |
| Price / BookPrice ÷ Book value/share | 0.04x | 1.23x |
| 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 $-48 for SEGG. MNY carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to SEGG's 0.27x. On the Piotroski fundamental quality scale (0–9), MNY scores 3/9 vs SEGG's 2/9, reflecting mixed financial health.
| Metric | SEGGLottery.com Inc. | MNYMoneyHero Limited… |
|---|---|---|
| ROE (TTM)Return on equity | -47.9% | -35.6% |
| ROA (TTM)Return on assets | -28.4% | -19.7% |
| ROICReturn on invested capital | -38.5% | -3.4% |
| ROCEReturn on capital employed | -61.4% | -62.8% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 3 |
| Debt / EquityFinancial leverage | 0.27x | 0.02x |
| Net DebtTotal debt minus cash | $6M | -$42M |
| Cash & Equiv.Liquid assets | $68,035 | $43M |
| Total DebtShort + long-term debt | $6M | $736,000 |
| Interest CoverageEBIT ÷ Interest expense | -86.34x | -402.20x |
Total Returns (with DRIP)
A $10,000 investment in MNY five years ago would be worth $2,142 today (with dividends reinvested), compared to $195 for SEGG. Over the past 12 months, MNY leads with a +62.9% total return vs SEGG's -92.8%. The 3-year compound annual growth rate (CAGR) favors MNY at -40.2% vs SEGG's -73.1% — a key indicator of consistent wealth creation.
| Metric | SEGGLottery.com Inc. | MNYMoneyHero Limited… |
|---|---|---|
| YTD ReturnYear-to-date | +46.9% | +13.6% |
| 1-Year ReturnPast 12 months | -92.8% | +62.9% |
| 3-Year ReturnCumulative with dividends | -98.0% | -78.6% |
| 5-Year ReturnCumulative with dividends | -98.0% | -78.6% |
| 10-Year ReturnCumulative with dividends | -98.0% | -78.6% |
| CAGR (3Y)Annualised 3-year return | -73.1% | -40.2% |
Risk & Volatility
SEGG is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than MNY's 1.24 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 SEGG's 3.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SEGGLottery.com Inc. | MNYMoneyHero Limited… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 1.24x |
| 52-Week HighHighest price in past year | $26.40 | $2.40 |
| 52-Week LowLowest price in past year | $0.46 | $0.55 |
| % of 52W HighCurrent price vs 52-week peak | +3.8% | +59.2% |
| RSI (14)Momentum oscillator 0–100 | 42.3 | 65.5 |
| Avg Volume (50D)Average daily shares traded | 14.2M | 39K |
Analyst Outlook
| Metric | SEGGLottery.com Inc. | MNYMoneyHero Limited… |
|---|---|---|
| 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 | Nov 23 | Feb 26 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | 100 | 8.44 | -91.6% |
| MoneyHero Limited C… (MNY) | 20.97 | 18.17 | -13.3% |
MoneyHero Limited C… (MNY) returned -79% over 5 years vs Lottery.com Inc. (SEGG)'s -98%.
Chart 2Revenue Growth — 10 Years
| Stock | 2020 | 2024 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | $16M | $1M | -93.5% |
| MoneyHero Limited C… (MNY) | $0.00 | $80M | — |
MoneyHero Limited Class A Ordinary Shares's revenue grew from $0M (2020) to $80M (2024) — a 0.0% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2021 | 2024 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | -3.2% | -26.9% | -735.4% |
| MoneyHero Limited C… (MNY) | -50.0% | -47.5% | +4.9% |
Lottery.com Inc.'s net margin went from -3% (2021) to -27% (2024). MoneyHero Limited Class A Ordinary Shares's net margin went from -50% (2021) to -48% (2024).
Chart 4EPS Growth — 10 Years
| Stock | 2020 | 2024 | Change |
|---|---|---|---|
| Lottery.com Inc. (SEGG) | -72 | -33.2 | +53.9% |
| MoneyHero Limited C… (MNY) | -1.22 | -0.9 | +26.2% |
MoneyHero Limited Class A Ordinary Shares's EPS grew from $-1.22 (2020) to $-0.90 (2024).
Chart 5Free Cash Flow — 5 Years
Lottery.com Inc. generated $-3M FCF in 2024 (+87% vs 2021). MoneyHero Limited Class A Ordinary Shares generated $-27M FCF in 2024 (-34% vs 2021).
SEGG vs MNY: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Which is the better long-term investment — SEGG or MNY?
Over the past 5 years, MoneyHero Limited Class A Ordinary Shares (MNY) delivered a total return of -78.6%, compared to -98.0% for Lottery.com Inc. (SEGG). 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 SEGG's -98.0%. 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 — SEGG or MNY?
By beta (market sensitivity over 5 years), Lottery.com Inc. (SEGG) is the lower-risk stock at 0.93β versus MoneyHero Limited Class A Ordinary Shares's 1.24β — meaning MNY is approximately 34% more volatile than SEGG 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 27% for Lottery.com Inc. — giving it more financial flexibility in a downturn.
03Which has better profit margins — SEGG or MNY?
MoneyHero Limited Class A Ordinary Shares (MNY) is the more profitable company, earning -47.5% net margin versus -26.9% for Lottery.com 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 -1704.1% for SEGG. At the gross margin level — before operating expenses — SEGG leads at 69.9%, 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 — SEGG or MNY?
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 SEGG or MNY better for a retirement portfolio?
For long-horizon retirement investors, Lottery.com Inc. (SEGG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.93)). Both have compounded well over 10 years (SEGG: -98.0%, MNY: -78.6%), 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 SEGG and MNY?
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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