MoneyHero Limited Class A Ordinary Shares
- Open
- 0.95
- Day high
- 1.00
- Day low
- 0.94
- Prev close
- 0.97
- Volume
- 7K
- Mkt cap
- $45M
- P/E (TTM)
- —
- EPS (TTM)
- —
- P/B
- 1.3
- P/S
- 0.6
- Yield
- —
- Per share
- —
MoneyHero Limited Class A Ordinary Shares (MNY) is a Communication Services company listed on NASDAQ. The stock is down 46% over the past year.
MoneyHero Limited Class A Ordinary Shares (MNY) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
MNY earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jun 24, 2026 | $-0.06 | $-0.11 | -83.3% | $17M | +2.1% |
| Dec 5, 2025 | $-0.02 | $-0.10 | -400.0% | $21M | — |
| Sep 19, 2025 | $-0.02 | $0.01 | +125.4% | $18M | -22.8% |
| Jun 13, 2025 | — | $-0.10 | — | $14M | — |
| Dec 10, 2024 | — | $0.10 | — | $21M | — |
| Apr 4, 2024 | — | $0.04 | — | $22M | -78.8% |
| Dec 6, 2023 | — | $-1.50 | — | $20M | — |
| Aug 11, 2023 | — | $-0.00 | — | — | — |
| Sep 29, 2022 | — | $-0.45 | — | $17M | — |
MNY insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Oct 8, 2003 | HOLLAND ROBERT JRdirector | Grant | 592 | $32.72 |
| Aug 7, 2003 | HOLLAND ROBERT JRdirector | Grant | 538 | $26.95 |
Source: MNY SEC Form 4 filings, latest Oct 8, 2003. For informational purposes only — not investment advice.
See the full MNY insider & 13F page →MoneyHero Limited Class A Ordinary Shares company profile
Overview
MoneyHero Limited (NASDAQ:MNY) is a Singapore-based personal finance company founded in 2014 that operates digital financial comparison platforms across Southeast Asia. The company went public in 2000 and has evolved into a leading financial technology aggregator serving consumers in Singapore, Hong Kong, and the Philippines. MoneyHero connects consumers with financial products through its online platforms while also operating a business-to-business content creator network called Creatory.
Business
MoneyHero operates in the financial technology sector as a financial product aggregation platform, functioning similarly to how travel booking sites compare flights and hotels, but for financial services. The company's core business involves operating comparison websites where consumers can research, compare, and apply for various financial products including credit cards, personal loans, insurance policies, and investment products. The company's primary platform allows users to compare financial products side-by-side, read reviews, and access educational content about personal finance. When users apply for products through MoneyHero's platform, the company earns commissions from financial institutions. This model serves as a digital intermediary between consumers seeking financial products and banks, insurers, and other financial service providers looking for customers. MoneyHero operates across multiple geographic markets with varying revenue contributions. Singapore represents the largest market generating approximately $12.1 million in 2023, followed by Hong Kong at $8.4 million, and the Philippines at $3.9 million. The company has also developed Creatory, a business-to-business platform that connects content creators with financial products, which generated $4.6 million in 2023 and represented about 17% of group revenue. Additionally, MoneyHero has been expanding into direct insurance sales, generating $1.9 million in insurance revenue in 2023. The financial comparison industry serves consumers who are often overwhelmed by the complexity and variety of financial products available in the market. Traditional methods of researching financial products typically involve visiting multiple bank websites, calling customer service lines, or visiting physical branches. MoneyHero's platform streamlines this process by aggregating product information, providing standardized comparisons, and offering educational resources to help consumers make informed decisions.
Revenue model
MoneyHero generates revenue primarily through a commission-based model where financial institutions pay the company when consumers successfully apply for and are approved for financial products through its platform. This performance-based revenue model aligns MoneyHero's interests with both consumers seeking suitable financial products and financial institutions seeking qualified customers. The company's revenue streams include commissions from credit card applications, personal loans, insurance policies, and investment products. When a user applies for a credit card through MoneyHero's platform and gets approved, the issuing bank pays MoneyHero a commission fee. Similarly, insurance companies pay commissions for successful policy sales, and loan providers compensate MoneyHero for qualified borrowers. The Creatory platform represents a secondary revenue model where MoneyHero operates as a marketplace connecting financial service providers with content creators and influencers. This B2B platform generates revenue through service fees and commissions when creators successfully promote financial products to their audiences. Several factors influence MoneyHero's profit margins. Positive margin drivers include increasing consumer adoption of digital financial services, growing trust in online financial platforms, and the company's market-leading position in its core markets which provides pricing power with financial institutions. The low penetration of online insurance sales in Southeast Asia presents significant growth opportunities. Margin pressures come from intense competition in the financial comparison space, rising customer acquisition costs due to increased digital marketing competition, and the need for continuous technology investment to maintain platform competitiveness. Economic downturns can reduce consumer demand for credit products, directly impacting commission revenue. Additionally, regulatory changes in financial services marketing could affect the company's business model, and financial institutions may seek to reduce commission rates as they develop their own digital capabilities.
Competitive moat
MoneyHero's competitive moat appears moderately strong but not insurmountable. The company benefits from significant first-mover advantages in its core Southeast Asian markets, having established itself as a trusted brand when digital financial comparison was still emerging in the region. This early market entry has allowed MoneyHero to build valuable relationships with both consumers and financial institutions, creating a network effect where more financial products attract more consumers, which in turn attracts more financial providers. The company's market leadership position in Singapore, Hong Kong, and the Philippines provides economies of scale in marketing and technology development that smaller competitors struggle to match. MoneyHero has also built proprietary technology platforms and accumulated substantial consumer data that helps optimize product recommendations and improve conversion rates. However, the moat faces several vulnerabilities. The financial comparison business has relatively low barriers to entry from a technology perspective, and large technology companies or financial institutions could potentially launch competing platforms with significant resources. Regulatory risks pose another threat, as changes in financial services marketing regulations could disrupt the commission-based model. Competition comes from multiple directions including direct competition from other comparison platforms, financial institutions developing their own direct-to-consumer digital channels, and large technology platforms expanding into financial services. Additionally, the rise of embedded finance - where financial products are integrated directly into other services - could potentially bypass comparison platforms entirely. The company's expansion into the Creatory B2B platform and direct insurance sales represents efforts to diversify and strengthen its competitive position, but these newer business lines have yet to prove their defensibility against established players in content marketing and insurance distribution.
Risks & safety
MoneyHero presents a mixed margin of safety profile with strong liquidity but concerning profitability trends. **Cash Position and Solvency:** - Strong cash position of $68.6 million with minimal debt ($0.3 million) - Current ratio of 3.0 indicates solid short-term liquidity - Negative operating cash flow of $17.0 million in 2023 suggests ongoing cash burn - At current burn rate, company has approximately 3-4 years of runway **Profitability Metrics:** - Negative EBITDA of $87.4 million in 2023 despite revenue growth - Net loss of $172.6 million in 2023 shows significant unprofitability - Management targets EBITDA profitability in Q3-Q4 2024 **Valuation Considerations:** - Price-to-book ratio of 0.73 suggests trading below book value - Negative earnings make traditional P/E ratios meaningless - Small market cap of $34 million creates liquidity concerns - Graham net-net ratio of 1.75 indicates potential asset value **Other Risk Factors:** - Heavy dependence on commission-based revenue model - Exposure to economic cycles affecting consumer credit demand - Regulatory risks in financial services marketing - Execution risk on path to profitability
Recent development
Over the past few years, MoneyHero has undergone significant strategic evolution focused on geographic expansion, product diversification, and technological advancement. The company has aggressively expanded its market presence, achieving substantial revenue growth in Singapore (94% year-over-year), Hong Kong (46%), and the Philippines (64%) in 2023. A key strategic pivot has been the development of the Creatory platform, which launched as a B2B marketplace connecting content creators with financial service providers. This platform generated $4.6 million in revenue in 2023, representing 117% year-over-year growth and accounting for 17% of total group revenue. Creatory addresses the growing influencer marketing trend while providing MoneyHero with a new revenue stream less dependent on direct consumer traffic. The company has also made significant investments in artificial intelligence and technology infrastructure. MoneyHero is developing an AI-powered mobile application called ShopHero and implementing machine learning for content categorization and operational efficiency. These technological enhancements aim to improve user experience and operational scalability. Insurance expansion represents another major strategic initiative, with insurance revenue growing 106% year-over-year to $1.9 million in 2023. This move into direct insurance sales diversifies MoneyHero's revenue model beyond pure comparison services and taps into the low online insurance penetration rates in Southeast Asian markets. Management has set ambitious targets including reaching $100 million in revenues for 2024 and achieving adjusted EBITDA profitability by Q3-Q4 2024. The company has also strengthened its leadership team with new hires and increased marketing investments in core markets to defend and expand market share.
MNY company profile · for informational purposes only — not investment advice.
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