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MoneyHero Limited Class A Ordinary Shares (MNY) 10-Year Financial Performance & Capital Metrics

MNY • • Industrial / General
Communication ServicesInternet ServicesSpecialized Digital ServicesInsurance & Financial Services
AboutMoneyHero Limited operates as a personal finance company. The company was founded in 2014 and is headquartered in Singapore.Show more
  • Revenue $80M -1.4%
  • EBITDA -$36M -58.1%
  • Net Income -$38M +78.1%
  • EPS (Diluted) -0.90 +82.5%
  • Gross Margin 36.84% -19.1%
  • EBITDA Margin -45.46% -60.4%
  • Operating Margin -50.55% -35.8%
  • Net Margin -47.52% +77.8%
  • ROE -59.36% +83.7%
  • ROIC -344.69% +5.7%
  • Debt/Equity 0.02 +99.2%
  • Interest Coverage -1577.88 -99891.5%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9
  • ✗Negative free cash flow
  • ✗Shares diluted 24.4% in last year
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y-
3Y8.71%
TTM-22.15%

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM87.96%

EPS CAGR

10Y-
5Y-
3Y-
TTM89.92%

ROCE

10Y Avg-27.68%
5Y Avg-27.68%
3Y Avg-44.49%
Latest-62.76%

Peer Comparison

Insurance & Financial Services
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Technical
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Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
MAXMediaAlpha, Inc.535.32M11.5837.35122.78%-0.1%8.52%
EVEREverQuote, Inc.813.32M25.1428.5773.72%8.36%30.79%7.68%0.03
ATHMAutohome Inc.2.75B23.241.75-2.01%23.62%6.31%44.8%0.00
JFINJiayin Group Inc.184.85M7.010.356.11%26.17%39.74%100%0.02
CCGCheche Group Inc.53.99M0.83-1.175.2%-1%-9.35%0.10
MNYMoneyHero Limited Class A Ordinary Shares37.5M1.25-1.39-1.44%-22.13%-35.56%0.02

Profit & Loss

Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Sales/Revenue+061.88M68.13M80.67M79.51M
Revenue Growth %--0.1%0.18%-0.01%
Cost of Goods Sold+029.88M33.88M43.93M50.22M
COGS % of Revenue-0.48%0.5%0.54%0.63%
Gross Profit+032M-38.87K36.74M29.29M
Gross Margin %-0.52%-0%0.46%0.37%
Gross Profit Growth %---1%946.21%-0.2%
Operating Expenses+238.2K61.23M40.93M66.77M64.7M
OpEx % of Revenue-0.99%0.6%0.83%0.81%
Selling, General & Admin238.2K53.18M64.62M124.93M61.31M
SG&A % of Revenue-0.86%0.95%1.55%0.77%
Research & Development05.06M6.55M07.43M
R&D % of Revenue-0.08%0.1%-0.09%
Other Operating Expenses02.99M-30.24M-58.16M-4.04M
Operating Income+-238.2K-29.23M-40.97M-30.03M-40.19M
Operating Margin %--0.47%-0.6%-0.37%-0.51%
Operating Income Growth %--121.71%-0.4%0.27%-0.34%
EBITDA+-31.9K-25.33M-36.18M-22.86M-36.15M
EBITDA Margin %--0.41%-0.53%-0.28%-0.45%
EBITDA Growth %--792.95%-0.43%0.37%-0.58%
D&A (Non-Cash Add-back)206.3K3.9M4.79M7.16M4.04M
EBIT-90.42M-29.27M-41.9M-153.51M-37.65M
Net Interest Income+126.56K-1.69M-7.77M-18.16M1.45M
Interest Income126.56K14.73K28.04K872.5K1.48M
Interest Expense01.7M7.8M19.03M25.47K
Other Income/Expense-90.19M-1.74M-8.72M-142.51M2.51M
Pretax Income+-90.42M-30.97M-49.69M-172.54M-37.68M
Pretax Margin %--0.5%-0.73%-2.14%-0.47%
Income Tax+0-38.17K-251.78K62.98K109K
Effective Tax Rate %1%1%0.99%1%1%
Net Income+-90.42M-30.93M-49.44M-172.6M-37.79M
Net Margin %--0.5%-0.73%-2.14%-0.48%
Net Income Growth %-0.66%-0.6%-2.49%0.78%
Net Income (Continuing)-90.42M-30.93M-49.44M-172.6M-37.79M
Discontinued Operations00000
Minority Interest00000
EPS (Diluted)+-1.22-0.42-1.33-5.13-0.90
EPS Growth %-0.66%-2.17%-2.86%0.82%
EPS (Basic)-1.22-0.42-1.33-5.13-0.90
Diluted Shares Outstanding74.37M74.37M37.23M33.68M41.91M
Basic Shares Outstanding74.37M74.37M37.23M33.68M41.91M
Dividend Payout Ratio-----

Balance Sheet

Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Total Current Assets+1.94M712.79K48.64M106.95M77.17M
Cash & Short-Term Investments1.5M156.13K24.08M68.64M42.71M
Cash Only1.5M156.13K24.08M68.64M42.52M
Short-Term Investments0000185K
Accounts Receivable023.99M24.37M33.26M25.43M
Days Sales Outstanding-141.52130.56150.49116.72
Inventory00-3.33M00
Days Inventory Outstanding-----
Other Current Assets0-23.99M3.52M1.65M9.04M
Total Non-Current Assets+595.12M595.45M15.61M8.1M2.6M
Property, Plant & Equipment001.07M780.21K959K
Fixed Asset Turnover--63.55x103.40x82.91x
Goodwill04.34M000
Intangible Assets01.67M14.41M7.29M1.02M
Long-Term Investments595.12M595.45M152.36M53.4M600K
Other Non-Current Assets0-6.01M-152.23M-53.37M24K
Total Assets+597.06M596.16M64.25M115.05M79.78M
Asset Turnover-0.10x1.06x0.70x1.00x
Asset Growth %--0%-0.89%0.79%-0.31%
Total Current Liabilities+1.25M3.95M39.01M35.71M31.04M
Accounts Payable016.17M16.65M23.84M29.1M
Days Payables Outstanding-197.49179.41198.08211.49
Short-Term Debt300K800K492.74K0442K
Deferred Revenue (Current)00301.99K1000K0
Other Current Liabilities952.42K-13.02M14.82M1.91M1.02M
Current Ratio1.55x0.18x1.25x3.00x2.49x
Quick Ratio1.55x0.18x1.33x3.00x2.49x
Cash Conversion Cycle-----
Total Non-Current Liabilities+134.01M41.37M9.42M254.96K509K
Long-Term Debt008.75M00
Capital Lease Obligations00292.95K31.43K294K
Deferred Tax Liabilities0035.54K29.27K30K
Other Non-Current Liabilities134.01M41.37M344.98K194.26K185K
Total Liabilities135.26M45.32M48.43M35.96M31.55M
Total Debt+300K800K9.53M606.06K736K
Net Debt-1.2M643.87K-14.55M-68.03M-41.79M
Debt / Equity0.00x0.00x0.60x0.01x0.02x
Debt / EBITDA-----
Net Debt / EBITDA-----
Interest Coverage--17.19x-5.26x-1.58x-1577.88x
Total Equity+461.8M550.84M15.82M79.08M48.23M
Equity Growth %-0.19%-0.97%4%-0.39%
Book Value per Share6.217.410.432.351.15
Total Shareholders' Equity461.8M550.84M15.82M79.08M48.23M
Common Stock594.99M594.99M2.02K4.2K4K
Retained Earnings-133.2M-44.15M-165.82M-338.42M-376.21M
Treasury Stock00000
Accumulated OCI002.56M14.08M55.16M
Minority Interest00000

Cash Flow

Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+-32.55K-14.39M-14.61M-17.04M-24.89M
Operating CF Margin %--0.23%-0.21%-0.21%-0.31%
Operating CF Growth %--440.88%-0.02%-0.17%-0.46%
Net Income-90.42M-30.97M-49.44M-172.6M-37.68M
Depreciation & Amortization03.9M4.79M7.16M4.04M
Stock-Based Compensation09.35M15.31M67.03M3.18M
Deferred Taxes00000
Other Non-Cash Items90.19M9.85M12.88M85.06M6.35M
Working Capital Changes200.64K-6.51M1.85M-3.69M-781.43K
Change in Receivables0-11.14M2.73M-7.4M7.2M
Change in Inventory00000
Change in Payables00736.26K6.96M-2.34M
Cash from Investing+-594.99M-5.48M-4.98M-1.34M-256.82K
Capital Expenditures0-5.45M-4.99M-2.21M-337.51K
CapEx % of Revenue-0.09%0.07%0.03%0%
Acquisitions-----
Investments-----
Other Investing0-27.22K5.13K872.7K80.69K
Cash from Financing+596.53M11.58M34.79M63.06M-721.73K
Debt Issued (Net)-----
Equity Issued (Net)-----
Dividends Paid00000
Share Repurchases-----
Other Financing257.27K-779.7K000
Net Change in Cash-----
Free Cash Flow+-32.55K-19.83M-19.6M-19.26M-26.62M
FCF Margin %--0.32%-0.29%-0.24%-0.33%
FCF Growth %--608.22%0.01%0.02%-0.38%
FCF per Share-0.00-0.27-0.53-0.57-0.64
FCF Conversion (FCF/Net Income)0.00x0.47x0.30x0.10x0.66x
Interest Paid00000
Taxes Paid00000

Key Ratios

Metric20202021202220232024
Return on Equity (ROE)-19.58%-6.11%-17.45%-363.73%-59.36%
Return on Invested Capital (ROIC)--4.33%-11.12%-365.45%-344.69%
Gross Margin-51.71%-0.06%45.54%36.84%
Net Margin--49.99%-72.57%-213.96%-47.52%
Debt / Equity0.00x0.00x0.60x0.01x0.02x
Interest Coverage--17.19x-5.26x-1.58x-1577.88x
FCF Conversion0.00x0.47x0.30x0.10x0.66x
Revenue Growth--10.1%18.4%-1.44%

Revenue by Geography

2024
SINGAPORE30.89M
SINGAPORE Growth-
HONG KONG30.44M
HONG KONG Growth-
PHILIPPINES12.84M
PHILIPPINES Growth-
TAIWAN5.14M
TAIWAN Growth-
MALAYSIA196.69K
MALAYSIA Growth-

Frequently Asked Questions

Growth & Financials

MoneyHero Limited Class A Ordinary Shares (MNY) reported $69.0M in revenue for fiscal year 2024.

MoneyHero Limited Class A Ordinary Shares (MNY) saw revenue decline by 1.4% over the past year.

MoneyHero Limited Class A Ordinary Shares (MNY) reported a net loss of $15.3M for fiscal year 2024.

Dividend & Returns

MoneyHero Limited Class A Ordinary Shares (MNY) has a return on equity (ROE) of -59.4%. Negative ROE indicates the company is unprofitable.

MoneyHero Limited Class A Ordinary Shares (MNY) had negative free cash flow of $26.6M in fiscal year 2024, likely due to heavy capital investments.

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