Business Summary
MoneyHero Limited (Nasdaq: MNY) is a leading personal finance company focused on aggregation and comparison services in Greater Southeast Asia.
It helps consumers easily compare and apply for financial products like credit cards, loans, mortgages, insurance, and investments. The company operates mainly in Singapore, Hong Kong, Taiwan, the Philippines, and Malaysia, serving a market of over 150 million people. Revenue comes from partnerships with financial providers, where MoneyHero earns fees for leads and applications. It also runs a digital insurance brokerage and a B2B arm called Creatory for content creators and advertisers that want to reach within that network.
Key Stats: Attracts 5.7 million unique monthly users, has 8.1 million members, and handles over 1.9 million product applications yearly.
Brands: Includes MoneyHero, SingSaver, Seedly, and others tailored to local markets.
Mission: Make financial decisions simple, rewarding, and accessible using tech and data.
What’s Unique About Them
MoneyHero stands out in a crowded fintech space for blending comparison tools with rewards and content to engage users. It’s AI-first, using technology for better efficiency and personalized experiences.
Unlike global giants, it dominates in Southeast Asia with localized expertise and strong partnerships (over 260 financial providers).
High-Margin Focus: 25% of Q1 2025 revenue from insurance and wealth products, which grew fast (insurance up 40% in 2024).
Ecosystem Building: Partners with key opinion leaders (KOLs) and affiliates via Creatory for wider reach.
Data-Driven: Turns user insights into tools, with 80 million articles read annually.
Regional Leader: Largest platform in its markets, filling a gap for underserved consumers in emerging economies.
Stock Performance
Created with TradingView MoneyHero’s stock has been volatile but shows signs of recovery. As of September 17, 2025, it closed at $1.98, down 6.25% from the previous day's 11.25% gain.
Year-to-date performance is positive but modest, with gains from a low base. Beta of 1.29 indicates higher volatility than the market.
52-Week Range: $0.551 to $2.38
Market Cap: ~$85M
Average Volume: 343,770 shares (3-month average).
Analyst View: Strong Buy rating, with a $4.00 price target (potential 100% upside).
Forecast: Analysts expect an average price of $1.98 by end of 2025, with highs up to $3.98. Short interest is low at only 0.24% of shares.
Float: 19.67M
Insider Ownership: ~57%
Overall, it’s a small-cap growth stock with upside potential but sensitivity to market swings.
Financial Highlights
MoneyHero is improving efficiency but still reporting losses as it invests in growth. Latest data is from Q1 2025 (ended March 31, 2025), with Q2 results due September 19, 2025, BMO (before market opens). Trailing twelve-month figures show ongoing challenges but better margins.
Revenue: TTM: $71.65 million; Q1 2025: $14.3M (down 35% YoY); Full 2024: $79.51 million.
Net Income: TTM: -$27.14 million; Q1 2025: -$2.4 million (improved from -$13.1 million YoY); Full 2024: -$37.39 million.
EBITDA: TTM: -$27.05 million (adjusted); Q1 2025 adjusted loss: -$3.3 million (49% better YoY).
Balance Sheet: Total cash: $36.63 million; Total debt: $1.05 million; Current ratio: 2.37 (solid liquidity).
Key Ratios: Profit Margin: -$37.87%; ROA: -17.93%; ROE: -47.13% ; P/S: 1.24; Forward P/E: 12.24
EPS (Diluted): TTM: -$0.74; Full 2024: -$0.90
Cash Flow: Not detailed in recent reports, but low debt supports stability.
Expect breakeven by 2026, with projected profit of $4.2 million.
Competitive MOAT
MoneyHero has a solid moat from its regional dominance and network effects. As the top player in Southeast Asia, it benefits from a large user base (34.8 million members) and partnerships, creating barriers for new entrants. AI-driven efficiency and data insights give it an edge in personalization.
Strengths: Strong brands, high-margin verticals (e.g., insurance at 10% of revenue), and B2B expansion via Creatory.
Challenges: Faces competition from local fintechs, but its scale and tech focus provide durability.
Overall: Moat is moderate and built on market position and growth in underserved areas, but still maturing as a public company.
Other Insights
Risks: Ongoing losses, stock volatility, and economic sensitivity in Asia. 56.63% insider ownership shows alignment but low institutional interest (0.53%) and this could also be because it is a small cap under $5. Most institutions will not consider a stock under $5 and so hunting for small caps turning around is what our goal is here.
Outlook: Strategic shift to high-margin products is paying off, with Q1 improvements. Path to profitability looks promising by 2026.
Recommendation: I’d rate it a speculative buy for growth-oriented portfolios, given the upside potential and regional fintech boom. Watch Q2 results closely, which are set to be released on Friday, September 19, at 7 AM EST.
I’d consider this a stock to have great mid to long-term potential when you look at comparables in the USA like Nerdwallet NRDS 0.00%↑ - similar products/services, insider ownership, larger float, but a much larger market cap. Owning the stock ($MNY) outright seems the best option here vs derivatives as well. Not enough liquidity there for now.
As always do your own research and this is not investment advice.