MoneyHero Limited Class A Ordinary Shares(MNY)Earnings, Financials & Key Ratios

MNY•NASDAQ

Price updated Jun 19, 2026

SectorCommunication Services IndustryInternet Services Sub-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$73M-7.7%
EBITDA-$10M+72.9%
Net Income-$5M+86.3%
EPS (Diluted)-0.12+86.7%
Gross Margin49.22%+33.6%
EBITDA Margin-13.34%+70.7%
Operating Margin-14.72%+70.9%
Net Margin-7.05%+85.2%
ROE-11.82%+80.1%

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
✓Strong 5Y profit CAGR of 43.6%
✓High quality earnings: Operating CF exceeds net income
✓Trading at only 1.3x book value

✗Weaknesses

✗Weak Piotroski F-Score: 2/9
✗Negative free cash flow
✗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.

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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 Years2.53%

TTM-7.65%

Profit CAGR

10 Years-

5 Years-

3 Years-

TTM86.5%

EPS CAGR

10 Years-

5 Years-

3 Years-

TTM84.63%

Return on Capital

10 Years-27.14%

5 Years-32.56%

3 Years-48.2%

Last Year-24.41%

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
TREELendingTree, Inc.Direct Competitor	541.35M	39.07	3.62	24.12%	15.02%	85.96%	1.52
UPSTUpstart Holdings, Inc.Direct Competitor	3.1B	32.43	72.07	58.87%	4.25%	6.59%	2.32
NRDSNerdWallet, Inc.Direct Competitor	610.08M	8.38	13.09	21.67%	8.11%	18.34%
LCLendingClub CorporationProduct Competitor	2.21B	19.21	16.70	14.97%	10.17%	9.47%	0.01
SOFISoFi Technologies, Inc.Product Competitor	22.84B	17.91	45.92	28.78%	10.09%	5.87%	0.17
AFRMAffirm Holdings, Inc.Product Competitor	24.62B	73.92	492.80	38.8%	11.95%	11.17%	2.56
OPFIOppFi Inc.Product Competitor	726.63M	8.43	8.52	13.52%	10.86%	23.06%	1.08
DAVEDave Inc.Product Competitor	4.23B	314.44	23.24	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.

Closest Rival

vs TREE

Most directly comparable listed peer for MNY.

Scale Benchmark

vs GOOGL

Larger-name benchmark to compare MNY against a more recognizable public peer.

Peer Set

Compare Top 5

vs TREE, UPST, NRDS, LC

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

Metric	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Sales/Revenue	0	61.88M	68.13M	80.67M	79.51M	73.43M
Revenue Growth %	-	-	10.1%	18.4%	-1.44%	-7.65%
Cost of Goods Sold	0	29.88M	33.88M	43.93M	50.22M	37.28M
COGS % of Revenue	-	48.29%	49.73%	54.46%	63.16%	50.78%
Gross Profit	0▲ 0%	32M▲ 0%	-38.87K▼ 100.1%	36.74M▲ 94620.6%	29.29M▼ 20.3%	36.14M▲ 23.4%
Gross Margin %	-	51.71%	-0.06%	45.54%	36.84%	49.22%
Gross Profit Growth %	-	-	-100.12%	94620.59%	-20.29%	23.4%
Operating Expenses	238.2K	61.23M	40.93M	66.77M	64.7M	46.95M
OpEx % of Revenue	-	98.95%	60.08%	82.77%	81.37%	63.94%
Selling, General & Admin	238.2K	53.18M	64.62M	124.93M	61.31M	43.94M
SG&A % of Revenue	-	85.94%	94.84%	154.86%	77.11%	59.85%
Research & Development	0	5.06M	6.55M	0	7.43M	0
R&D % of Revenue	-	8.18%	9.62%	-	9.34%	-
Other Operating Expenses	0	2.99M	-30.24M	-58.16M	-4.04M	3.01M
Operating Income	-238.2K▲ 0%	-29.23M▼ 12171.0%	-40.97M▼ 40.2%	-30.03M▲ 26.7%	-40.19M▼ 33.9%	-10.81M▲ 73.1%
Operating Margin %	-	-47.23%	-60.14%	-37.22%	-50.55%	-14.72%
Operating Income Growth %	-	-12171.03%	-40.18%	26.72%	-33.85%	73.11%
EBITDA	-31.9K	-25.33M	-36.18M	-22.86M	-36.15M	-9.8M
EBITDA Margin %	-	-40.93%	-53.11%	-28.34%	-45.46%	-13.34%
EBITDA Growth %	-	-79294.54%	-42.86%	36.82%	-58.12%	72.9%
D&A (Non-Cash Add-back)	206.3K	3.9M	4.79M	7.16M	4.04M	1.01M
EBIT	-90.42M	-29.27M	-41.9M	-153.51M	-37.65M	-5.08M
Net Interest Income	126.56K	-1.69M	-7.77M	-18.16M	1.45M	528.14K
Interest Income	126.56K	14.73K	28.04K	872.5K	1.48M	581.77K
Interest Expense	0	1.7M	7.8M	19.03M	25.47K	53.63K
Other Income/Expense	-90.19M	-1.74M	-8.72M	-142.51M	2.51M	5.67M
Pretax Income	-90.42M▲ 0%	-30.97M▲ 65.8%	-49.69M▼ 60.5%	-172.54M▼ 247.2%	-37.68M▲ 78.2%	-5.14M▲ 86.4%
Pretax Margin %	-	-50.05%	-72.94%	-213.88%	-47.39%	-7%
Income Tax	0	-38.17K	-251.78K	62.98K	109K	40.41K
Effective Tax Rate %	0%	0.12%	0.51%	-0.04%	-0.29%	-0.79%
Net Income	-90.42M▲ 0%	-30.93M▲ 65.8%	-49.44M▼ 59.8%	-172.6M▼ 249.1%	-37.79M▲ 78.1%	-5.18M▲ 86.3%
Net Margin %	-	-49.99%	-72.57%	-213.96%	-47.52%	-7.05%
Net Income Growth %	-	65.79%	-59.84%	-249.1%	78.11%	86.29%
Net Income (Continuing)	-90.42M	-30.93M	-49.44M	-172.6M	-37.79M	-5.18M
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%	-0.12▲ 86.7%
EPS Growth %	-	65.57%	-216.67%	-285.71%	82.46%	86.67%
EPS (Basic)	-1.22	-0.42	-1.33	-5.13	-0.90	-0.12
Diluted Shares Outstanding	74.37M	74.37M	37.23M	33.68M	41.91M	42.81M
Basic Shares Outstanding	74.37M	74.37M	37.23M	33.68M	41.91M	42.81M
Dividend Payout Ratio	-	-	-	-	-	-

MNY Balance Sheet

MoneyHero Limited Class A Ordinary Shares (MNY) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Total Current Assets	1.94M	712.79K	48.64M	106.95M	77.17M	74.31M
Cash & Short-Term Investments	1.5M	156.13K	24.08M	68.64M	42.71M	31.37M
Cash Only	1.5M	156.13K	24.08M	68.64M	42.52M	12.25M
Short-Term Investments	0	0	0	0	185K	19.12M
Accounts Receivable	0	23.99M	24.37M	33.26M	25.43M	36.69M
Days Sales Outstanding	-	141.52	130.56	150.49	116.72	182.37
Inventory	0	0	-3.33M	0	0	974.79K
Days Inventory Outstanding	-	-	-	-	-	9.54
Other Current Assets	0	-23.99M	3.52M	1.65M	9.04M	1.53M
Total Non-Current Assets	595.12M	595.45M	15.61M	8.1M	2.6M	2.33M
Property, Plant & Equipment	0	0	1.07M	780.21K	959K	1.11M
Fixed Asset Turnover	-	-	63.55x	103.40x	82.91x	66.40x
Goodwill	0	4.34M	0	0	0	0
Intangible Assets	0	1.67M	14.41M	7.29M	1.02M	625.86K
Long-Term Investments	595.12M	595.45M	152.36M	53.4M	600K	544K
Other Non-Current Assets	0	-6.01M	-152.23M	-53.37M	24K	58.2K
Total Assets	597.06M▲ 0%	596.16M▼ 0.1%	64.25M▼ 89.2%	115.05M▲ 79.1%	79.78M▼ 30.7%	76.65M▼ 3.9%
Asset Turnover	-	0.10x	1.06x	0.70x	1.00x	0.96x
Asset Growth %	-	-0.15%	-89.22%	79.06%	-30.66%	-3.92%
Total Current Liabilities	1.25M	3.95M	39.01M	35.71M	31.04M	36.81M
Accounts Payable	0	16.17M	16.65M	23.84M	29.1M	34.3M
Days Payables Outstanding	-	197.49	179.41	198.08	211.49	335.81
Short-Term Debt	300K	800K	492.74K	574.63K	442K	702.29K
Deferred Revenue (Current)	0	0	301.99K	1.31M	0	633.78K
Other Current Liabilities	952.42K	-13.02M	14.82M	1.91M	1.02M	1.17M
Current Ratio	1.55x	0.18x	1.25x	3.00x	2.49x	2.02x
Quick Ratio	1.55x	0.18x	1.33x	3.00x	2.49x	1.99x
Cash Conversion Cycle	-	-	-	-	-	-143.9
Total Non-Current Liabilities	134.01M	41.37M	9.42M	254.96K	509K	420.48K
Long-Term Debt	0	0	8.75M	0	0	0
Capital Lease Obligations	0	0	292.95K	31.43K	294K	239.68K
Deferred Tax Liabilities	0	0	35.54K	29.27K	30K	39.31K
Other Non-Current Liabilities	134.01M	41.37M	344.98K	194.26K	185K	141.49K
Total Liabilities	135.26M	45.32M	48.43M	35.96M	31.55M	37.23M
Total Debt	300K	800K	9.53M	606.06K	736K	941.96K
Net Debt	-1.2M	643.87K	-14.55M	-68.03M	-41.79M	-11.31M
Debt / Equity	0.00x	0.00x	0.60x	0.01x	0.02x	0.02x
Debt / EBITDA	-	-	-	-	-	-
Net Debt / EBITDA	-	-	-	-	-	-
Interest Coverage	-	-17.22x	-5.37x	-8.07x	-1478.21x	-94.82x
Total Equity	461.8M▲ 0%	550.84M▲ 19.3%	15.82M▼ 97.1%	79.08M▲ 399.8%	48.23M▼ 39.0%	39.41M▼ 18.3%
Equity Growth %	-	19.28%	-97.13%	399.84%	-39.02%	-18.28%
Book Value per Share	6.21	7.41	0.43	2.35	1.15	0.92
Total Shareholders' Equity	461.8M	550.84M	15.82M	79.08M	48.23M	39.41M
Common Stock	594.99M	594.99M	2.02K	4.2K	4K	4.59K
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	39.41M
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

Metric	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	-32.55K	-14.39M	-14.61M	-17.04M	-24.89M	-10.25M
Operating CF Margin %	-	-23.25%	-21.44%	-21.13%	-31.3%	-13.96%
Operating CF Growth %	-	-44087.8%	-1.56%	-16.66%	-46.03%	58.82%
Net Income	-90.42M	-30.97M	-49.44M	-172.6M	-37.68M	-5.18M
Depreciation & Amortization	0	3.9M	4.79M	7.16M	4.04M	1.01M
Stock-Based Compensation	0	9.35M	15.31M	67.03M	3.18M	0
Deferred Taxes	0	0	0	0	0	0
Other Non-Cash Items	90.19M	9.85M	12.88M	85.06M	6.35M	-2.67M
Working Capital Changes	200.64K	-6.51M	1.85M	-3.69M	-781.43K	-3.42M
Change in Receivables	0	-11.14M	2.73M	-7.4M	7.2M	-10.95M
Change in Inventory	0	0	0	0	0	0
Change in Payables	0	0	736.26K	6.96M	-2.34M	3.9M
Cash from Investing	-594.99M	-5.48M	-4.98M	-1.34M	-256.82K	-258.32K
Capital Expenditures	0	-5.45M	-4.99M	-2.21M	-337.51K	-786.6K
CapEx % of Revenue	-	8.8%	7.32%	2.75%	0.42%	1.07%
Acquisitions	0	0	9K	0	0	5.11K
Investments	-	-	-	-	-	-
Other Investing	0	-27.22K	5.13K	872.7K	80.69K	523.17K
Cash from Financing	596.53M	11.58M	34.79M	63.06M	-721.73K	-724.6K
Debt Issued (Net)	0	12.36M	34.79M	-28.45M	-721.89K	-724.63K
Equity Issued (Net)	596.27M	-300	0	91.51M	159	34
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%	-10.57M▲ 59.5%
Free Cash Flow	-32.55K▲ 0%	-19.83M▼ 60822.2%	-19.6M▲ 1.2%	-19.26M▲ 1.7%	-26.62M▼ 38.2%	-10.37M▲ 61.0%
FCF Margin %	-	-32.05%	-28.77%	-23.87%	-33.48%	-14.12%
FCF Growth %	-	-60822.22%	1.18%	1.74%	-38.25%	61.04%
FCF per Share	-0.00	-0.27	-0.53	-0.57	-0.64	-0.24
FCF Conversion (FCF/Net Income)	0.00x	0.47x	0.30x	0.10x	0.66x	1.98x
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	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-19.58%	-6.11%	-17.45%	-363.73%	-59.36%	-11.82%
Return on Invested Capital (ROIC)	-	-4.33%	-11.12%	-365.45%	-344.69%	-46.94%
Gross Margin	-	51.71%	-0.06%	45.54%	36.84%	49.22%
Net Margin	-	-49.99%	-72.57%	-213.96%	-47.52%	-7.05%
Debt / Equity	0.00x	0.00x	0.60x	0.01x	0.02x	0.02x
Interest Coverage	-	-17.22x	-5.37x	-8.07x	-1478.21x	-94.82x
FCF Conversion	0.00x	0.47x	0.30x	0.10x	0.66x	1.98x
Revenue Growth	-	-	10.1%	18.4%	-1.44%	-7.65%

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 $73.4M in revenue for fiscal year 2025.

MoneyHero Limited Class A Ordinary Shares (MNY) saw revenue decline by 7.7% over the past year.

MoneyHero Limited Class A Ordinary Shares (MNY) reported a net loss of $5.2M for fiscal year 2025.

Dividend & Returns

MoneyHero Limited Class A Ordinary Shares (MNY) has a return on equity (ROE) of -11.8%. Negative ROE indicates the company is unprofitable.

MoneyHero Limited Class A Ordinary Shares (MNY) had negative free cash flow of $10.4M in fiscal year 2025, likely due to heavy capital investments.

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MoneyHero Limited Class A Ordinary Shares(MNY)Earnings, Financials & Key Ratios

MNY•NASDAQ

Price updated Jun 19, 2026

SectorCommunication Services IndustryInternet Services Sub-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$73M-7.7%
EBITDA-$10M+72.9%
Net Income-$5M+86.3%
EPS (Diluted)-0.12+86.7%
Gross Margin49.22%+33.6%
EBITDA Margin-13.34%+70.7%
Operating Margin-14.72%+70.9%
Net Margin-7.05%+85.2%
ROE-11.82%+80.1%