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MONEYHERO LTD-A (MNY) Stock Fundamental Analysis

NASDAQ:MNY - Nasdaq - KYG6202B1014 - Common Stock - Currency: USD

1.76  +0.04 (+2.33%)

After market: 1.9 +0.14 (+7.95%)

Fundamental Rating

2

MNY gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 70 industry peers in the Interactive Media & Services industry. Both the profitability and financial health of MNY have multiple concerns. While showing a medium growth rate, MNY is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

MNY had negative earnings in the past year.
In the past year MNY has reported a negative cash flow from operations.
MNY Yearly Net Income VS EBIT VS OCF VS FCFMNY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 -50M -100M -150M

1.2 Ratios

With a Return On Assets value of -46.72%, MNY is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
MNY has a Return On Equity of -78.36%. This is in the lower half of the industry: MNY underperforms 77.14% of its industry peers.
Industry RankSector Rank
ROA -46.72%
ROE -78.36%
ROIC N/A
ROA(3y)-91.23%
ROA(5y)N/A
ROE(3y)-203.04%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
MNY Yearly ROA, ROE, ROICMNY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 -100 -200 -300

1.3 Margins

Looking at the Gross Margin, with a value of 41.92%, MNY is doing worse than 71.43% of the companies in the same industry.
In the last couple of years the Gross Margin of MNY has declined.
The Profit Margin and Operating Margin are not available for MNY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 41.92%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.76%
GM growth 5YN/A
MNY Yearly Profit, Operating, Gross MarginsMNY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 50 -50 -100 -150 -200

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2. Health

2.1 Basic Checks

MNY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MNY has been increased compared to 1 year ago.
MNY has a worse debt/assets ratio than last year.
MNY Yearly Shares OutstandingMNY Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 10M 20M 30M 40M
MNY Yearly Total Debt VS Total AssetsMNY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

Based on the Altman-Z score of -4.07, we must say that MNY is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -4.07, MNY is not doing good in the industry: 84.29% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.01 indicates that MNY is not too dependend on debt financing.
MNY has a Debt to Equity ratio (0.01) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z -4.07
ROIC/WACCN/A
WACC8.82%
MNY Yearly LT Debt VS Equity VS FCFMNY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 20M -20M 40M 60M

2.3 Liquidity

A Current Ratio of 2.44 indicates that MNY has no problem at all paying its short term obligations.
MNY has a Current ratio (2.44) which is comparable to the rest of the industry.
MNY has a Quick Ratio of 2.44. This indicates that MNY is financially healthy and has no problem in meeting its short term obligations.
With a Quick ratio value of 2.44, MNY perfoms like the industry average, outperforming 55.71% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.44
Quick Ratio 2.44
MNY Yearly Current Assets VS Current LiabilitesMNY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 20M 40M 60M 80M 100M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 76.70% over the past year.
The Revenue has decreased by -1.44% in the past year.
The Revenue has been growing by 8.72% on average over the past years. This is quite good.
EPS 1Y (TTM)76.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%82.14%
Revenue 1Y (TTM)-1.44%
Revenue growth 3Y8.72%
Revenue growth 5YN/A
Sales Q2Q%-40.45%

3.2 Future

Based on estimates for the next years, MNY will show a very strong growth in Earnings Per Share. The EPS will grow by 55.39% on average per year.
Based on estimates for the next years, MNY will show a small growth in Revenue. The Revenue will grow by 3.31% on average per year.
EPS Next Y90.24%
EPS Next 2Y55.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.71%
Revenue Next 2Y7.76%
Revenue Next 3Y3.55%
Revenue Next 5Y3.31%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MNY Yearly Revenue VS EstimatesMNY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 20M 40M 60M 80M 100M
MNY Yearly EPS VS EstimatesMNY Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0 0.1 -0.1 -0.2 -0.3 -0.4

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4. Valuation

4.1 Price/Earnings Ratio

MNY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year MNY is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
MNY Price Earnings VS Forward Price EarningsMNY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MNY Per share dataMNY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1

4.3 Compensation for Growth

MNY's earnings are expected to grow with 55.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y55.39%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for MNY!.
Industry RankSector Rank
Dividend Yield N/A

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MONEYHERO LTD-A

NASDAQ:MNY (8/8/2025, 8:00:00 PM)

After market: 1.9 +0.14 (+7.95%)

1.76

+0.04 (+2.33%)

Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryInteractive Media & Services
Earnings (Last)06-13 2025-06-13/bmo
Earnings (Next)N/A N/A
Inst Owners1.87%
Inst Owner Change0%
Ins Owners9.07%
Ins Owner ChangeN/A
Market Cap76.03M
Analysts80
Price Target4.69 (166.48%)
Short Float %1.82%
Short Ratio0.68
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-11.54%
PT rev (3m)-11.54%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-300%
EPS NY rev (3m)-300%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-11.38%
Revenue NY rev (3m)-22.06%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.96
P/FCF N/A
P/OCF N/A
P/B 1.58
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)-1.17
EYN/A
EPS(NY)-0.04
Fwd EYN/A
FCF(TTM)-0.62
FCFYN/A
OCF(TTM)-0.58
OCFYN/A
SpS1.84
BVpS1.12
TBVpS1.09
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -46.72%
ROE -78.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 41.92%
FCFM N/A
ROA(3y)-91.23%
ROA(5y)N/A
ROE(3y)-203.04%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.76%
GM growth 5YN/A
F-Score3
Asset Turnover0.98
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.91%
Cap/Sales 2.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.44
Quick Ratio 2.44
Altman-Z -4.07
F-Score3
WACC8.82%
ROIC/WACCN/A
Cap/Depr(3y)59.33%
Cap/Depr(5y)N/A
Cap/Sales(3y)4.08%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)76.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%82.14%
EPS Next Y90.24%
EPS Next 2Y55.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.44%
Revenue growth 3Y8.72%
Revenue growth 5YN/A
Sales Q2Q%-40.45%
Revenue Next Year-2.71%
Revenue Next 2Y7.76%
Revenue Next 3Y3.55%
Revenue Next 5Y3.31%
EBIT growth 1Y-15.61%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year75.5%
EBIT Next 3Y29.49%
EBIT Next 5Y21.48%
FCF growth 1Y-38.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-46.03%
OCF growth 3YN/A
OCF growth 5YN/A