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Company Analysis

MoneyHero Limited MNY

A comprehensive view of key metrics, scores, and financial health for MoneyHero Limited

Overview of MoneyHero Limited

MNY NGM
Communication Services Internet Content & Information Framework: Software & SaaS Micro Cap
MoneyHero Limited (MNY), is a Micro Cap company, in the Internet Content & Information industry, last closed at $0.56, about 562.5% undervalued vs fair value, -58.6% 1Y return, ranked 153/271 in sector.
Metrics Rev Growth -7.6% ROE -11.8% Gross Margin 49.2%
USD 0.56
-0.18%
(Delayed)
• Vol 90d: 68.5%
52-Week Range
Market Cap
$24.84M
Enterprise Value
$-3.32M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 87%
Updated: Oct 24
Top Beats

Quick Facts

Website https://www.moneyherogroup.com
HQ Singapore
Employees 286
Fiscal year Dec 31

Next Events

Earnings Dec 3 Estimated

Fair Value Snapshot

Bear Base Bull
$3
$4
$4
Current: $0.56 +563% vs base

Engine Room Money Flow™

Micro Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$73.4M
-7.7%%
Gross Profit
$36.1M
8.4%%
Operating Income (GAAP)
-$6.0M
85.1%%
Operating Cash Flow
-$10.2M
58.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
49.2%

Gross Profit / Revenue — context only; ad platforms typically 60–80%, marketplaces and streaming lower by design

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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating MoneyHero Limited's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
42
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Consistent Subscription Growth Revenue consistency is strong (score 0.79), pointing to a sticky customer base.
  • Deferred Revenue Momentum Contracted demand signals are healthy (score 0.68), consistent with recurring revenue strength.

Key risks

  • Margin Compression Risk Margin quality is below peer norms (score 0.37), suggesting pricing pressure.
  • Weak Cash Conversion Cash conversion is weak (score 0.20), limiting evidence of scalable cash generation.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Developing
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 90% Coverage
Trade-Off Triangle Visualization A ternary plot showing MNY's balance between Growth (37.0%), Profitability (25.2%), and Safety (37.8%). Growth 37% Safety 38% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
Def Rev Growth 3.35 95p EPS Growth YoY 86.6% 74p Revenue CAGR 3Y 2.5% 32p Rev Growth YoY -7.6% 16p Buyback % 5.5% 33p
Strengths
  • Def Rev Growth in top 20% of peers (3.35, 95th percentile)
  • Cash to Debt Ratio in top 20% of peers (33.11, 91th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks
  • Rev Growth YoY in bottom 20% of peers (-7.6%)

Profitability

30th percentile vs peers
31
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for MoneyHero Limited.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$3.71
- - -
+562.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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