MoneyHero Limited Class A Ordinary Shares(MNY)Earnings, Financials & Key Ratios
MNY•NASDAQ
$1.33
$58M mkt cap·Price updated May 6, 2026
SectorCommunication ServicesIndustryInternet ServicesSub-IndustryConsumer Apps and Utility Platforms
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 Margin36.84%-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/Equity0.02+99.2%
- Interest Coverage-1478.21-18222.4%
MNY Key Insights
MoneyHero Limited Class A Ordinary Shares (MNY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Trading at only 1.2x 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.
MNY Price & Volume
MoneyHero Limited Class A Ordinary Shares (MNY) stock price & volume — 10-year historical chart
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MNY Growth Metrics
MoneyHero Limited Class A Ordinary Shares (MNY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years8.71%
TTM-22.54%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM78.52%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM81.54%
Return on Capital
10 Years-27.68%
5 Years-27.68%
3 Years-44.49%
Last Year-62.76%
MNY Peer Comparison
MoneyHero Limited Class A Ordinary Shares (MNY) competitors in Consumer Apps and Utility Platforms — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TREE | 549.66M | 39.67 | 3.68 | 24.12% | 85.96% | 1.52 | ||
 UPST | 2.74B | 28.68 | 63.73 | 58.87% | 6.59% | 2.32 | ||
 NRDS | 832.14M | 11.20 | 17.50 | 21.67% | 18.34% | |||
 LC | 1.96B | 17.06 | 14.83 | 14.97% | 9.47% | 0.01 | ||
 SOFI | 20.79B | 16.30 | 41.79 | 28.78% | 5.87% | 0.17 | ||
 AFRM | 21.85B | 65.58 | 437.20 | 38.8% | 7.6% | 8.83% | 2.56 | |
 OPFI | 258.44M | 9.75 | 9.85 | 13.52% | 4.41% | 10.12% | 1.10 | |
 DAVE | 3.27B | 246.37 | 18.21 | 47.49% | 40.81% | 84.53% | 0.21 |
Compare MNY vs Peers
MoneyHero Limited Class A Ordinary Shares (MNY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MNY Income Statement
MoneyHero Limited Class A Ordinary Shares (MNY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|
| Sales/Revenue | 0 | 61.88M | 68.13M | 80.67M | 79.51M | 69.18M |
| Revenue Growth % | - | - | 10.1% | 18.4% | -1.44% | -22.54% |
| Cost of Goods Sold | 0 | 29.88M | 33.88M | 43.93M | 50.22M | 42.02M |
| COGS % of Revenue | - | 48.29% | 49.73% | 54.46% | 63.16% | - |
| Gross Profit | 0▲ 0% | 32M▲ 0% | -38.87K▼ 100.1% | 36.74M▲ 94620.6% | 29.29M▼ 20.3% | 27.16M▲ 0% |
| Gross Margin % | - | 51.71% | -0.06% | 45.54% | 36.84% | 39.26% |
| Gross Profit Growth % | - | - | -100.12% | 94620.59% | -20.29% | - |
| Operating Expenses | 238.2K | 61.23M | 40.93M | 66.77M | 64.7M | 47.82M |
| OpEx % of Revenue | - | 98.95% | 60.08% | 82.77% | 81.37% | - |
| Selling, General & Admin | 238.2K | 53.18M | 64.62M | 124.93M | 61.31M | 46.39M |
| SG&A % of Revenue | - | 85.94% | 94.84% | 154.86% | 77.11% | - |
| Research & Development | 0 | 5.06M | 6.55M | 0 | 7.43M | 869K |
| R&D % of Revenue | - | 8.18% | 9.62% | - | 9.34% | - |
| Other Operating Expenses | 0 | 2.99M | -30.24M | -58.16M | -4.04M | -1.14M |
| Operating Income | -238.2K▲ 0% | -29.23M▼ 12171.0% | -40.97M▼ 40.2% | -30.03M▲ 26.7% | -40.19M▼ 33.9% | -14.1M▲ 0% |
| Operating Margin % | - | -47.23% | -60.14% | -37.22% | -50.55% | -20.38% |
| Operating Income Growth % | - | -12171.03% | -40.18% | 26.72% | -33.85% | - |
| EBITDA | -31.9K | -25.33M | -36.18M | -22.86M | -36.15M | -12.92M |
| EBITDA Margin % | - | -40.93% | -53.11% | -28.34% | -45.46% | -18.68% |
| EBITDA Growth % | - | -79294.54% | -42.86% | 36.82% | -58.12% | 61.43% |
| D&A (Non-Cash Add-back) | 206.3K | 3.9M | 4.79M | 7.16M | 4.04M | 1.18M |
| EBIT | -90.42M | -29.27M | -41.9M | -153.51M | -37.65M | -26.54M |
| Net Interest Income | 126.56K | -1.69M | -7.77M | -18.16M | 1.45M | 1.43M |
| Interest Income | 126.56K | 14.73K | 28.04K | 872.5K | 1.48M | 0 |
| Interest Expense | 0 | 1.7M | 7.8M | 19.03M | 25.47K | 46.7K |
| Other Income/Expense | -90.19M | -1.74M | -8.72M | -142.51M | 2.51M | -10.33M |
| Pretax Income | -90.42M▲ 0% | -30.97M▲ 65.8% | -49.69M▼ 60.5% | -172.54M▼ 247.2% | -37.68M▲ 78.2% | -24.43M▲ 0% |
| Pretax Margin % | - | -50.05% | -72.94% | -213.88% | -47.39% | -35.31% |
| Income Tax | 0 | -38.17K | -251.78K | 62.98K | 109K | 34K |
| Effective Tax Rate % | 0% | 0.12% | 0.51% | -0.04% | -0.29% | -0.14% |
| Net Income | -90.42M▲ 0% | -30.93M▲ 65.8% | -49.44M▼ 59.8% | -172.6M▼ 249.1% | -37.79M▲ 78.1% | -24.46M▲ 0% |
| Net Margin % | - | -49.99% | -72.57% | -213.96% | -47.52% | -35.36% |
| Net Income Growth % | - | 65.79% | -59.84% | -249.1% | 78.11% | 78.52% |
| Net Income (Continuing) | -90.42M | -30.93M | -49.44M | -172.6M | -37.79M | -24.46M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -1.22▲ 0% | -0.42▲ 65.6% | -1.33▼ 216.7% | -5.13▼ 285.7% | -0.90▲ 82.5% | -0.70▲ 0% |
| EPS Growth % | - | 65.57% | -216.67% | -285.71% | 82.46% | 81.54% |
| EPS (Basic) | -1.22 | -0.42 | -1.33 | -5.13 | -0.90 | - |
| Diluted Shares Outstanding | 74.37M | 74.37M | 37.23M | 33.68M | 41.91M | 34.74M |
| Basic Shares Outstanding | 74.37M | 74.37M | 37.23M | 33.68M | 41.91M | 34.74M |
| Dividend Payout Ratio | - | - | - | - | - | - |
MNY Balance Sheet
MoneyHero Limited Class A Ordinary Shares (MNY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|
| Total Current Assets | 1.94M | 712.79K | 48.64M | 106.95M | 77.17M | 72.37M |
| Cash & Short-Term Investments | 1.5M | 156.13K | 24.08M | 68.64M | 42.71M | 27.92M |
| Cash Only | 1.5M | 156.13K | 24.08M | 68.64M | 42.52M | 27.92M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 185K | 0 |
| Accounts Receivable | 0 | 23.99M | 24.37M | 33.26M | 25.43M | 36.87M |
| Days Sales Outstanding | - | 141.52 | 130.56 | 150.49 | 116.72 | 162.58 |
| Inventory | 0 | 0 | -3.33M | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - |
| Other Current Assets | 0 | -23.99M | 3.52M | 1.65M | 9.04M | 7.57M |
| Total Non-Current Assets | 595.12M | 595.45M | 15.61M | 8.1M | 2.6M | 3.53M |
| Property, Plant & Equipment | 0 | 0 | 1.07M | 780.21K | 959K | 1.32M |
| Fixed Asset Turnover | - | - | 63.55x | 103.40x | 82.91x | 60.47x |
| Goodwill | 0 | 4.34M | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 1.67M | 14.41M | 7.29M | 1.02M | 0 |
| Long-Term Investments | 595.12M | 595.45M | 152.36M | 53.4M | 600K | 2.4M |
| Other Non-Current Assets | 0 | -6.01M | -152.23M | -53.37M | 24K | 282K |
| Total Assets | 597.06M▲ 0% | 596.16M▼ 0.1% | 64.25M▼ 89.2% | 115.05M▲ 79.1% | 79.78M▼ 30.7% | 75.9M▲ 0% |
| Asset Turnover | - | 0.10x | 1.06x | 0.70x | 1.00x | 0.89x |
| Asset Growth % | - | -0.15% | -89.22% | 79.06% | -30.66% | -98.56% |
| Total Current Liabilities | 1.25M | 3.95M | 39.01M | 35.71M | 31.04M | 36.86M |
| Accounts Payable | 0 | 16.17M | 16.65M | 23.84M | 29.1M | 33.12M |
| Days Payables Outstanding | - | 197.49 | 179.41 | 198.08 | 211.49 | 268.58 |
| Short-Term Debt | 300K | 800K | 492.74K | 0 | 442K | 0 |
| Deferred Revenue (Current) | 0 | 0 | 301.99K | 1.31M | 0 | 0 |
| Other Current Liabilities | 952.42K | -13.02M | 14.82M | 1.91M | 1.02M | 2.98M |
| Current Ratio | 1.55x | 0.18x | 1.25x | 3.00x | 2.49x | 2.49x |
| Quick Ratio | 1.55x | 0.18x | 1.33x | 3.00x | 2.49x | 2.49x |
| Cash Conversion Cycle | - | - | - | - | - | -106 |
| Total Non-Current Liabilities | 134.01M | 41.37M | 9.42M | 254.96K | 509K | 619K |
| Long-Term Debt | 0 | 0 | 8.75M | 0 | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 292.95K | 31.43K | 294K | 1.37M |
| Deferred Tax Liabilities | 0 | 0 | 35.54K | 29.27K | 30K | 128K |
| Other Non-Current Liabilities | 134.01M | 41.37M | 344.98K | 194.26K | 185K | 846K |
| Total Liabilities | 135.26M | 45.32M | 48.43M | 35.96M | 31.55M | 37.48M |
| Total Debt | 300K | 800K | 9.53M | 606.06K | 736K | 1.14M |
| Net Debt | -1.2M | 643.87K | -14.55M | -68.03M | -41.79M | -26.79M |
| Debt / Equity | 0.00x | 0.00x | 0.60x | 0.01x | 0.02x | 0.02x |
| Debt / EBITDA | - | - | - | - | - | -0.09x |
| Net Debt / EBITDA | - | - | - | - | - | 2.07x |
| Interest Coverage | - | -17.22x | -5.37x | -8.07x | -1478.21x | -568.32x |
| Total Equity | 461.8M▲ 0% | 550.84M▲ 19.3% | 15.82M▼ 97.1% | 79.08M▲ 399.8% | 48.23M▼ 39.0% | 38.42M▲ 0% |
| Equity Growth % | - | 19.28% | -97.13% | 399.84% | -39.02% | -136.37% |
| Book Value per Share | 6.21 | 7.41 | 0.43 | 2.35 | 1.15 | 1.11 |
| Total Shareholders' Equity | 461.8M | 550.84M | 15.82M | 79.08M | 48.23M | 38.42M |
| Common Stock | 594.99M | 594.99M | 2.02K | 4.2K | 4K | 5K |
| Retained Earnings | -133.2M | -44.15M | -165.82M | -338.42M | -376.21M | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | 0 | 2.56M | 14.08M | 55.16M | 38.41M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
MNY Cash Flow Statement
MoneyHero Limited Class A Ordinary Shares (MNY) cash flow — operating, investing & free cash flow history
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|
| Cash from Operations | -32.55K | -14.39M | -14.61M | -17.04M | -24.89M | -24.89M |
| Operating CF Margin % | - | -23.25% | -21.44% | -21.13% | -31.3% | - |
| Operating CF Growth % | - | -44087.8% | -1.56% | -16.66% | -46.03% | 0% |
| Net Income | -90.42M | -30.97M | -49.44M | -172.6M | -37.68M | -24.46M |
| Depreciation & Amortization | 0 | 3.9M | 4.79M | 7.16M | 4.04M | 0 |
| Stock-Based Compensation | 0 | 9.35M | 15.31M | 67.03M | 3.18M | 2.45M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 90.19M | 9.85M | 12.88M | 85.06M | 6.35M | 21.45M |
| Working Capital Changes | 200.64K | -6.51M | 1.85M | -3.69M | -781.43K | 0 |
| Change in Receivables | 0 | -11.14M | 2.73M | -7.4M | 7.2M | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 0 | 0 | 736.26K | 6.96M | -2.34M | 0 |
| Cash from Investing | -594.99M | -5.48M | -4.98M | -1.34M | -256.82K | 0 |
| Capital Expenditures | 0 | -5.45M | -4.99M | -2.21M | -337.51K | 0 |
| CapEx % of Revenue | - | 8.8% | 7.32% | 2.75% | 0.42% | - |
| Acquisitions | 0 | 0 | 9K | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - |
| Other Investing | 0 | -27.22K | 5.13K | 872.7K | 80.69K | 0 |
| Cash from Financing | 596.53M | 11.58M | 34.79M | 63.06M | -721.73K | 0 |
| Debt Issued (Net) | 0 | 12.36M | 34.79M | -28.45M | -721.89K | 0 |
| Equity Issued (Net) | 596.27M | -300 | 0 | 91.51M | 159 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | 257.27K | -779.7K | 0 | 0 | 0 | 0 |
| Net Change in Cash | 1.5M▲ 0% | -8.42M▼ 661.2% | 14.89M▲ 276.8% | 44.56M▲ 199.3% | -26.12M▼ 158.6% | 0▲ 0% |
| Free Cash Flow | -32.55K▲ 0% | -19.83M▼ 60822.2% | -19.6M▲ 1.2% | -19.26M▲ 1.7% | -26.62M▼ 38.2% | 0▲ 0% |
| FCF Margin % | - | -32.05% | -28.77% | -23.87% | -33.48% | - |
| FCF Growth % | - | -60822.22% | 1.18% | 1.74% | -38.25% | - |
| FCF per Share | -0.00 | -0.27 | -0.53 | -0.57 | -0.64 | -0.64 |
| FCF Conversion (FCF/Net Income) | 0.00x | 0.47x | 0.30x | 0.10x | 0.66x | -0.00x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 |
MNY Key Ratios
MoneyHero Limited Class A Ordinary Shares (MNY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|
| Return on Equity (ROE) | -6.11% | -17.45% | -363.73% | -59.36% | -56.1% |
| Return on Invested Capital (ROIC) | -4.33% | -11.12% | -365.45% | -344.69% | -344.69% |
| Gross Margin | 51.71% | -0.06% | 45.54% | 36.84% | 39.26% |
| Net Margin | -49.99% | -72.57% | -213.96% | -47.52% | -35.36% |
| Debt / Equity | 0.00x | 0.60x | 0.01x | 0.02x | 0.02x |
| Interest Coverage | -17.22x | -5.37x | -8.07x | -1478.21x | -568.32x |
| FCF Conversion | 0.47x | 0.30x | 0.10x | 0.66x | -0.00x |
| Revenue Growth | - | 10.1% | 18.4% | -1.44% | -22.54% |
MNY Frequently Asked Questions
MoneyHero Limited Class A Ordinary Shares (MNY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
MoneyHero Limited Class A Ordinary Shares (MNY) reported $69.2M 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 $24.5M 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.
Explore More MNY
MoneyHero Limited Class A Ordinary Shares (MNY) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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