Latest Ratios: P/E Ratio -6.9x · EV/EBITDA N/A · ROE -11.8%. (2020–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Market Cap | $37M | $54M | $47M | $58M | — | — | — |
| Enterprise Value | $25M | $43M | $5M | $-10110269 | — | — | — |
| P/E Ratio → | -6.92 | — | — | — | — | — | — |
| P/S Ratio | 0.50 | 0.73 | 0.59 | 0.72 | — | — | — |
| P/B Ratio | 0.90 | 1.37 | 0.97 | 0.73 | — | — | — |
| P/FCF | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.58 | 0.06 | -0.13 | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 49.2% | 49.2% | 36.8% | 45.5% | -0.1% | 51.7% | — |
| Operating Margin | -14.7% | -14.7% | -50.5% | -37.2% | -60.1% | -47.2% | — |
| Net Profit Margin | -7.1% | -7.1% | -47.5% | -214.0% | -72.6% | -50.0% | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| ROE | -11.8% | -11.8% | -59.4% | -363.7% | -17.5% | -6.1% | -19.6% |
| ROA | -6.6% | -6.6% | -38.8% | -192.5% | -15.0% | -5.2% | -15.1% |
| ROIC | -46.9% | -46.9% | -344.7% | -365.4% | -11.1% | -4.3% | — |
| ROCE | -24.4% | -24.4% | -62.8% | -57.4% | -13.3% | -4.9% | -0.0% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | 0.02 | 0.02 | 0.01 | 0.60 | 0.00 | 0.00 |
| Debt / EBITDA | — | — | — | — | — | — | — |
| Net Debt / Equity | — | -0.29 | -0.87 | -0.86 | -0.92 | 0.00 | -0.00 |
| Net Debt / EBITDA | — | — | — | — | — | — | — |
| Debt / FCF | — | — | — | — | — | — | — |
| Interest Coverage | -94.82 | -94.82 | -1478.21 | -8.07 | -5.37 | -17.22 | — |
Net cash position: cash ($12M) exceeds total debt ($941964)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 2.02 | 2.02 | 2.49 | 3.00 | 1.25 | 0.18 | 1.55 |
| Quick Ratio | 1.99 | 1.99 | 2.49 | 3.00 | 1.33 | 0.18 | 1.55 |
| Cash Ratio | 0.85 | 0.85 | 1.38 | 1.92 | 0.62 | 0.04 | 1.20 |
| Asset Turnover | — | 0.96 | 1.00 | 0.70 | 1.06 | 0.10 | — |
| Inventory Turnover | 38.25 | 38.25 | — | — | — | — | — |
| Days Sales Outstanding | — | 182.37 | 116.72 | 150.49 | 130.56 | 141.52 | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | — | — | — |
| Shares Outstanding | — | $43M | $42M | $34M | $37M | $74M | $74M |
Insufficient liquidity and runway
Based on current market data, MNY trades at a price-to-sales multiple of 0.50, which appears to discount the company's lack of profitability and suggests that investors are pricing the entity as a distressed asset rather than a high-growth fintech platform within the Southeast Asian market.
The low P/S ratio relative to more established peers like NerdWallet indicates that the market is skeptical of the company's ability to achieve sustainable margins. This valuation level implies that the market is prioritizing the risk of capital impairment over potential long-term growth, warranting caution until a clear path to positive EBITDA is demonstrated.
As reported in financial statements, MNY's ROIC has remained consistently negative, reaching -5.4% in 2025Q4, which highlights a fundamental inability to generate returns on invested capital that exceed the cost of funding in the current high-CAC environment across its core regional markets.
The persistent decay in return metrics suggests that the company's capital allocation strategy has not yet translated into a compounding business model. Investors should monitor whether management can pivot toward higher-margin organic traffic, as the current reliance on paid acquisition appears to be destroying shareholder value rather than building it.
According to recent quarterly filings, MNY's DSO remains elevated at 169 days, suggesting significant friction in the collection of commissions from partner banks and indicating that the company lacks the bargaining power to enforce shorter payment cycles within the fragmented Southeast Asian financial services landscape.
The extended collection period, combined with a volatile cash conversion cycle, implies that the company is effectively financing its banking partners' operations. This structural inefficiency places additional pressure on the firm's already constrained liquidity position and limits its operational flexibility.
Based on the provided balance sheet figures, MNY's cash and equivalents have dwindled to approximately $12.2 million, a level that appears inadequate given the company's history of negative operating margins and the absence of consistent free cash flow generation over the last ten quarters.
The current liquidity position suggests that the company may face a binary outcome regarding its ability to continue as a going concern without external financing. Investors should be wary of the potential for dilutive capital raises, as the current cash buffer provides little margin for error in a volatile advertising market.
Market participants frequently misapply the price-to-sales ratio to MNY, which obscures the underlying reality that the company's revenue is highly sensitive to variable customer acquisition costs and does not necessarily correlate with long-term, high-margin recurring cash flow generation for the business.
Because MNY operates as a performance-based marketing entity, revenue growth can be misleading if it is achieved through unprofitable ad spend. Analysts should instead focus on contribution margin per user or the ratio of lifetime value to customer acquisition cost to better assess the true economic viability of the platform.
Includes 30+ ratios · 6 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying MNY stock.
MoneyHero Limited Class A Ordinary Shares's current P/E ratio is -6.9x. This places it at the 50th percentile of its historical range.
MoneyHero Limited Class A Ordinary Shares's return on equity (ROE) is -11.8%. The historical average is -79.7%.
Based on historical data, MoneyHero Limited Class A Ordinary Shares is trading at a P/E of -6.9x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
MoneyHero Limited Class A Ordinary Shares has 49.2% gross margin and -14.7% operating margin.